Resolved Question: Can I refinance my home if my credit score goes up ?

I am not a real estate pro but I do believe I can figure most things out. So This is what I have and I am looking for suggestions to help grow my Real Estate portfolio.

I bought my first home 8 years ago and now own four homes. Here is the breakdown.

Value Payoff
140,000 79,000
95,000 54,000
250,000 180,000
490,000 314,000
___________________________________________
975,000 627,000

I rent out 3 of the homes and I only make about $50 a month per home after I pay the mortgage, taxes, insurance, and repairs that may come up. I have conv. 30 year mortgages on all 4 homes and have never refinanced or borrowed more money against any of them. I also have about $35k in cash. I am 28 yrs old, any tips to help me grow would b

Resolved Question: Is anyone else having problems with the increase in mortgage rates? I'm looking to see what my options might

be such as refinancing at a fixed rate. I have thinking about foreclosure and it stays on your credit report forever. Any suggestions out there?
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Resolved Question: Can I refinance my home if my credit score goes up ?

If I buy a house now, and in a few months my credit score goes up significantly, can I refinance my mortgage to get a better interest rate?
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Resolved Question: Question about Lease w/ Option to Purchase?

7 yrs. ago my husband and I bought our 1st home thru a mortgage broker. We refinanced to get our payments lowered 4 yrs. later. We were uninformed at the time and the shady mortgage broker we went thru appraised our house for more than what it was actually worth then on top of that we got an adjustable rate loan. Now to the present, our interest rate is 12.9%, we our in a house that is not worth what we owe, and it was supposed to be a stepping stone not our dream home, which it is NOT at all. My husbands grandfather is giving us his house and property when he is gone. He has decided that we can move in now with no strings. My husbands name is already on the property. We are thinking we should just let this house forclose but we don't know what happens to people when they do this. Do you end up having to pay huge amounts of money to the lender? If they sue you what can they get? What is the worst case senerio?

Resolved Question: The Bank loans officer lied about the interest rate & the locked in lower repayments on my home loan !?

I recently refinanced with the National Australia Bank at North Sydney on an investment property, previously mortgaged with a non-bank lender. At the time of application I was assured the interest rate was locked in at the "introductory rate" of 6.99%. The loans officer set up my repayment schedule at $620.00 per fortnight to cover the monthly repayments. I found out today that this amount was insufficient and that the rate was variable NOT fixed and will be increasing. I was assured this would NOT be so ! Please advise me how to proceed with a misleading loans officer who lied to me and set up an insufficient repayment schedule ! Am I really liable for their mistakes ?

Resolved Question: Question about Lease w/ Option to Purchase?

We are going to lease for six months. If we like the house we can enter into a lease w/ option to purchase. I read on a website that with certain paperwork, when the time comes to get a mortgage, you can refinance it instead. Has anyone heard of this? Does it have to do with how much money has accumalated towards the principal? Is there a website with more info on this? Thanks I am just looking at all our options.

Resolved Question: How long after you purchase a home, can you refinance your mortgage for?

Hi, I need to refinance my mortage. I have the paperwork in and our mortgage broker locked us in last week at 5 7/8. He is nuts for closing this deal (I think he is hurting because of the slow market). We never authorized the lock in, but he said rates had gone up since last week and we had 30 days for rates to change.

Can someone explain why rates are going up for a 25 year fixed mortgage if the fed is once again about to lower the prime rate? Are they not related? What moves the mortgage rate market. Thank you! btw, my credit score is excellent and we are not getting a jumbo mortgage

Resolved Question: Unable to make mortgage payments?

I was recently laid off and cannot make my mortgage payments. My financial counselor has not been able to secure an equity loan or refinance due to my poor credit rating and the lender's say that the house needs too much work. It has now been suggested to me that i let an investor buy the house. I would receive some money up front, the investor would make the monthly payments while making repairs to the house. When the house was ready to be sold I would receive additional money. Does anyone have first hand knowledge of this program and whether it is a good deal for someone like me?

Resolved Question: Do you have to pay any closing costs when you refinance your home?

I've been in my home for about a year, and with the fed cutting interest rates I've been thinking about trying to consolidate my two loans into one low interest mortgage. I've got 25% through Chase at 8.75% and the remaining 75% through Wells Fargo at 6.25%. I'm thinking about refinancing, but am wondering if I'd have to pay closing costs again. Does anybody know about the process involved? Thanks.

Resolved Question: How long after you purchase a home, can you refinance your mortgage for?

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Resolved Question: how much should the interest rate on my mortgage drop before refinancing?

I am 2 months behind on my mortgage and I just got divorced. I would be able to make the payments if I could get the payment lowered but my mortgage company dosent do loan remodifacation and I dont want to lose my house, I tried to refinance but was told my credit was bad. if anyone knows of a program that will help me to get my mortgage current so I wont get forclosed on or a company that might help me refinance even with bad credit I would love to know. I have tried everything that I can think of and need help or I will lose my house. I live in missouri and am not sure when they can start the forclosure process. HELP!!!!!!!!!

Resolved Question: Mortgage company wants my 2005 and 2006 income tax returns. Is it required?

I applying for a home refinance loan. Mortgage company want me to sign a form to obtain my 05 and 06 income tax returns. Is it required?
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Voting Question: Any daycare providers that file W2's to show earnings? How is it done and how does it affect taxes?

My husband and I are trying to refinance our home mortgage with some other credit cards. We were approved by a bank and then they saw our tax returns that show my income after deductions for my in home daycare. Debt to income was too high and loan was not finished. Loan officer said I need to give myself a W2 for earnings and then I would be approved. So, how is that done and does it affect our taxes in the end? Also, is it possible to get W2's made for previous tax years?

Resolved Question: how much should the interest rate on my mortgage drop before refinancing?

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Voting Question: Removal of my name off a mortgage loan for property awarded my ex?

Hello,
I am a single mother and in 23k in creidt card debt seems like i cant get out. It all started little over a year ago when my mortgage payment went from 750 dollars to 1434 dollars. I tried to refinance however i owe 30k more than its worth. I am forced to use credit cards for grocery, household items and other bills. To make matters worse my boss pull me aside today and told me that the company cutting holiday bonuses out thats 3k i expect!!! and he told me that there are looking at cutting positions next year and the title i have is one in question. He told me that they would not term me i would get get a new job lower capicty. Anyone else in this mess.

Voting Question: Removal of my name off a mortgage loan for property awarded my ex?

Divorced in 2005, my x was awarded home & all encumbrances but she didnt refinance or assume the mortgage. 2 years later she quit paying the mortgage, we went to court & I'm awarded control over paying & deducting that amount from her maintenance & the judge forced sale of the home. The home isnt selling & soon my financial obligations to her will be paid so not only will I not owe her money, I will be stuck on the mortgage that she is trying to foreclose on. The judge cant force my name off the mortgage so I'm in a bad spot. now my x has an attorney & they are trying to extend the terms of the mortgage loan out another 20 years, leaving me on the hook forever. the home is forced to be sold but my X is doing all she can to make it a non-salable home. not only that but her attorney is trying to turn around the judgment awarding me control of paying that loan & deducting it from my X, they are trying to destroy me & leave me responsible for a home awarded my X.. HELP!!!!

Resolved Question: Refinancing?

my banker has changed my fixed loan to a balloon because i was late a few times after my wife was killed in an train/auto wreck. this happend july 3, '02.in may of '03 i lost my teaching job to staff reduction. my loan officer delayed my refinance ,i feel certain becuse he knew of my job situation before i did. i have since lost a second job to corporate bankrupsy. the loan officer is the vice president of the local bank and for some reason has always made my mortgage difficult to manange due to my incopetence in finantial and other copeing situations my deceased soulmate mananged. most recently my mortgage went up $21.32 per month. also im pretty sure Im paying close to 75% intest overall each time the balloon note comes back for re-structure.????

Resolved Question: Simultaneous sale and refinance or stay put?

I have a dilema. I am in an ARM set to adjust in August 2008. I have a 12,500+ prepayment penalty that falls off in June 2007. If I refinance and keep the house I would have to get a new mortgage at around $400k. If I sell the house outright I could sell it for $430k. Should I sell take the profit and move into an apartment for a little while and save as I want to move out of state within 2-3 years. Sell my existing home and purchase a cheaper home by rolling the profit from the sale of the home I am in now. Or should I stay in my existing home by refinancing and getting an FHA loan. My motivation to stay is to keep my daughter in her school which she loves and doesn't want to leave. The purchase of a new home in the area and an apartment would allow me to do so. Once she finishes 5th grade I plan on moving to the NC area.

Resolved Question: Refinancing?

Ok, so one of my friends just turned 18 (3 days ago)
Her mom is now saying that she needs to be added to the mortgage or whatever so that they can refinance the house.

So i have a few questions ..
Why exactly do people refinance their homes? And ..
Is it a good idea for my friend to do that?
Her mom is not very trustworthy and pretty sneaky

Resolved Question: Can you help me find a refinance loan without a credit check?

The Fed is considering:

_barring lenders from penalizing subprime borrowers — those with spotty credit or low incomes — who pay their loans off early.

_forcing lenders to make sure that borrowers, especially subprime borrowers, set aside money to pay for taxes and insurance.

_restricting loans that do not require proof of a borrower's income.

_examining lenders' failure, in some cases, to consider a borrower's ability to repay a home loan.

_improving financial disclosure so people better understand the terms and conditions of their mortgages and get this information when it is most useful.

_curtailing abuses in mortgage advertising.

"We have an obligation to prevent fraud and abusive lending," the Fed chairman, Ben Bernanke, said earlier this year. "At the same time, we must tread carefully so as not to suppress responsible lending or eliminate refinancing opportunities for subprime borrowers.'

--ALSO prepayment penalties was mentioned I dont. It seems to me that the politicians are intent on making it look like they are addressing the problem while totally avoiding discussing all the real major reasons people are struggling at record levels to pay for their homes. You got to see bigger people.....see the whole picture, not the obvious.

Voting Question: NY mortgage refinance, what fees are required?

do you have to pay another mortgage tax, title etc?
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Resolved Question: Can you help me find a refinance loan without a credit check?

Can you please help? Do you know of any mortgage brokers that can do a refinance without a credit check. I am not a deadbeat, but have been trying to pay medical billls and got behind on my mortgage and would like to refinance. Please do not reply to call me "deadbeat", loser, etc. I really need help, and don't know what to do. Thank you kindly for your time.

Resolved Question: What does it mean to have a balloon mortgage fixed for 5 years?

My husband and I are moving out of the country, we want to lower our payments for the next 3 years so we can rent our home out and not be burdened by such high payments. We currently have a 30 yr fixed at 6.5%. Our home is worth 360,000. Is it feasible to refinance after owning our home for only a year and a half and get a lower interest rate/lower payments? It's our first home and we need professional advice. Who would we ask for real advice, we live in the DC Nova area and the market is in bad shape. also, my parents live 5 minutes away so they would deal with my renters

Voting Question: Our mistake in our loan was paying the minimum payment option ...?

...Our mistake in our loan was paying the minimum payment option and even though I haven't been late on our mortgage it will go up significantly if I don't start paying the principle. I am now doing that, is there hope to refinance if there is hardly any equity? I have had it for more than a year and like everyone around who has this kind of loan there is just not enough equity for me to get a better interest rate or even just to lower the payments...my current balance at 540000 and it will recast at 570000 then if i reach that which i don't plan on reaching my payments will then be much higher.. i just can't believe i got stuck with this kind of loan and made bad decisions...regrets...

Resolved Question: What does it mean to have a balloon mortgage fixed for 5 years?

I had a hard time getting a mortgage because my better half's credit was not so good so they had to base everything on me. The only type of loan we good get was a loan they called a balloon mortgage. It is fixed for 5 years at 7.25 and we were told we would be able to refinance after a couple of years. What happens if we don't refinance. Will my monthly payment go alot higher.

Resolved Question: Refinance a home loan?

I want to refinance my current home, but I am also planning to purchase a new home as my primary residence.The broker handling the refinance told me not to mention anywhere that I would no longer be living in the home, and that as long as I occupied the house until closing, it would be okay to call it my primary residence. While reviewing the closing documents I realized that I signed papers stating that I would occupy the home, and that I would not rent it out. (Renting the home is in fact my intention). I don't know if this is illegal, or if so, how serious it is. I have until midnight on 12/18 to cancel the refinance, should I?

Resolved Question: Refinance a home loan?

We have an adjustable mortgage w/a balloon at the end. Our current interest rate is 7%. We pay $2119 a month ($1654 plus $465 for taxes). Beneficial is trying to get us to refinance with them. They have offered us a fixed rate loan at 11% with $9,000 cash out, a $15,000 "personal credit line" and they will pay off $14,000 in bills ($3k for our car, $1k NYS taxes, $10k student loans). The problem is the new payment will be $2828 and that DOES NOT include our taxes. Beneficial keeps making it sound like it is a big help to us but I don't see it. I think $2828 a month is a HUGE payment that we might not be able to make. The $10k in student loans they are paying are not even due for another 2 years so that isn't reducing my monthly debt. I guess my question is ...does anyone here think this is a better situation than what we have now? The current loan amount is $259,622 and the balloon is not due for 30 years. The new loan amount would be $288,000 with no balloon. Our credit scores are only 600 so not sure if Beneficial would consider a lower interest rate for a fixed mortgage. The loan Beneficial is offering is a 90% loan to value. They claim they have to pay off the student loans to get our debt to income ratio in line. I called our current mortgage holder this a.m. and they agreed to cancel our escrow lowering our payment to $1653 a month. We have enough in our escrow remaining to pay the taxes coming up in 2/08 so we have 9 months before the next tax bill is due. Beneficial also told me last night that the "origination fee" is $12,500!! They say it is a standard fee that is spread out over the 40 year loan. Plus they had a bunch of other fees that added up to a bundle. Our house appraised at $325k so we still have equity in it.

Resolved Question: mortgage refinance right for us?

Our Chapter 7 bankruptcy was discharged 5.5 years ago leaving a $47000-plus lean on the home, but the appraisal said that the home wasn't worth more than the primary. We could not afford to continue paying both so we paid only the primary. Then we forgot about it and refinanced. The title search did not bring it up, so it was not addressed. However, it had been sold, and the buyer has reinscribed it. The new refinanced mortgage is an arbitrarily raised ARM, that we thought we'd refinance out of before they started raising it. Now we can't do that and they are not in 1st place although we did not realize it. We are trying to sell the home and will intend to split the proceeds between them. We might be able to get the lion share of the two mortgages now that the market is better, but that is just the original principle, not the unpaid interest, which we have no idea the value. It does behoove them to let us sell it, rather than foreclose in most cases, right?

Resolved Question: How does bankruptcy affect an adjustable rate mortgage???

My friend cannot keep up on bills her mortgage just rose -She was advised to go bankrupt -how can she keep her home?? And will the rates continue to rise as contracted.??? She is planning a chapter 13. She has no equity built up. Her condo's value has dropped and is not able to refinance. She cannot sell without a loss.

Voting Question: If I get cash out money due to refinance by brother, is it taxable?

I am going to quitclaim my property to my brother. My mortgage broker has told me that I can sign on the deed and he can then refinance. I’ve bought the house for 200K and it is now worth $300K. but I wanted to get some money from the house as because I owe $180K. my mortgage broker told me that brother can refinance for 250K and then give me the extra 70K. do I have to pay income tax for 50K.

Resolved Question: mortgage refinance right for us?

I have a 1.30% negative am loan that i need to get out of, i currently owe 650,000.00 for both my first and my second, my question is can i get a loan that is not a negative am loan and have my payments at 2,450.00 including my taxes? Even if i have to get myself into an interest only loan for the first 3-5 years or so, by then my wife and i would be off better financially and can refinance into something fixed. My home is worth about 750,000 so i still have some equity in it and have had this negative am loan for about 2 1/2 years now. I was on lending tree and put my info in the mortgage calculator and it brought out different scenarios and one did have a payment of 2,450.00 is this realistic? i pay 8,200.00 in real estate taxes a year.

Resolved Question: Will refinancing my car loan to a lower monthly payment and less interest paid out, hurt my credit score?

Ihave a high interest rate that I need to lower in order to pay mortgage and other bills. Please get back to me with a honest and truthful mortgage lender.

Thank You.

Voting Question: Should I pay credit card down or mortgage (still paying PMI) to get mortgage out the way?

I got my mortgage in July 2007 putting 10% down.

I have one cc that is almost maxed out. I want to get my mortgage paid off in full as soon as possible -my goal is 10 years. Am still paying pmi my question is -is it better to knock the high interest cc out first since I hope to Refinance in late 2008 at a lower interest rate or should I try to knock out the PMI and ignore the high interest credit card? I have been paying a little extra each month towards principal but its really slow going barely making a dent on the principal.

Thanks! Thanks for all the answers. My credit card interest rate is 12%. My PMI is $68 a month. My interest rate for the mortgage is 6.85% (am pissed initially was 6.55 and mortgage person at bank did not lock in rate so 2 1/2 weeks later I found out, thus higher rate). I have $4000 that I can either put on mortgage or credit card or split it. Really want to get PMI knocked out-someone told me can write PMI off taxes first year only. Have made 4 payments but additional principal with each payment paid so have made an additional full month principal payment already.

Resolved Question: Will refinancing my car loan to a lower monthly payment and less interest paid out, hurt my credit score?

I'm preparing to buy a house next year and doing everything in my power to increase my credit score when the mortgage process starts. I have an car loan @ 6.24% interest rate, and my truck will be paid off in 3 years. I've pretty good credit right now. However, if I decide to refinance my car loan for a lower interest rate and monthly payments, will that hurt my credit score?

Voting Question: Questions about Refinancing or home equity loans?

How do i go about doing this. Can i refinance my house get more money, pay the 17,000. Get about 60,000 move into a better house and Rent the other house to make some extra cash to may for new home.

Voting Question: Besides closing cost, what do I need to refinance my First Mortgage?

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Voting Question: my mortgage payment on my house is about to reset and i would like to refinance it. The thing is I would like?

add my brother in the title . Can i possibly do that?
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Voting Question: What is considered a closing cost in a mortgage refinance?

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Voting Question: Questions about Refinancing or home equity loans?

So, I have read some really negative about refinancing... My husband and I can pay our mortgage we just want to roll our credit cards into one low payment. We ended rolling some our credits cards into one low interest cc last year but not all of them. We are not sure what to really do.. is a home equity better? or do we refinance? does this hurt our credit scores? whats the negative and positive sides?
We don't have more than 10k worth of cc debit, we are just sick of paying different interest rates and want to try to save a little $$$.

I would love to hear your opinions and suggestions. :) thanks! i forgot to add we have an 80/20 mortgage

Resolved Question: It's unavoidable - we're gonna miss a mortgage payment. How badly will that affect our credit?

My husband and I have been approved on a fha loan to refinance our house and pay off a chapter 13 that we only owe three months on. The court signed off on this. We have been at it since November 8, 2007 and today is December 21 and they are telling us that it is still being underwritten and the only way they can communicate is through e-mail. The mortgage company assured us we would be closed by now. They cannot give us anything concrete when we speak with them. Our credit score is low but we have made all our chapter 13 payments every month and we had our house appraised over a month ago. plus my husband is self employed and we have supplied them with everything they have asked for.Is it normal for them to be taking so long??

Voting Question: Mortgage Refinance right for mom?

My mom has a house worth about $130 k. She has about $50 k equity. She needs a lower payment because my dad died and he was the main income provider. Is there a way to get her payments down?

Resolved Question: To refinance or not?

I have an ARM mortgage on my house, that rate is about to change in 90 days, it will be $107 higher. Part of me wants to sell the house and just relocate, but the sellers' market around here is pretty slow. Can I refinance the house to a fixed rate and if I need to try and sell the house later down the road? or will I be stuck here for 2 more years like with the ARM? I'm sure it depends on what type of refi I am looking at, to be honest I am not sure yet, but just wondered if I decided to refi to a fixed rate can I sell the house afterwards?

Resolved Question: It's unavoidable - we're gonna miss a mortgage payment. How badly will that affect our credit?

We can't make our December motgage. We can't borrow from anywhere and all our savings are depleted because my spouse has been out of work for most of the year. He's the only person on the loan and we plan to refinance next year, with both of us on the loan. We both have 'good' credit, in the upper 600's. What's our damage? And how will one late payment over two years of the life of the loan affect us?

Open Question: How can I lower my new mortgage payment without refinancing? HELP!?

The title to my house has my 1st married name. I'm divorced and remarried. I would like to get the right name and add my husband to the title. His name is on the mortgage because we refinanced 7 years ago, but I think it annoys him that his name is not on the title. Do I need a lawyer or can I do this myself?

Open Question: Irresponsible Ex Wife !?

My husband's ex never pay the mortgage from the house were she lives with their kids the bad thing is my husbands name still on that mortgage, she never refinance the house to take his name off. She has not say anything about this to us, we just find out, she also owe money to other companies. My husband work to jobs to pay always on time child support, plus day care and we have the kids every weekend with us. We cant affford a lawyer! someone can help us with some advice!! where is justice!

Open Question: How can I lower my new mortgage payment without refinancing? HELP!?

I just got a statement in the mail that my property taxes were short approx. $3,000 for the year AND my taxes went up so the company which holds my mortgage has raised my mortgage payment up $500 starting in Feb. 08 to cover the back due taxes as well as the new escrow amount...one option they are giving me is to pay the past due taxes and my mortgage will only go up $250 to cover the new amount needed for escrow...either way wether my new mortgage payment is $1880 or $1630, I am budgeted and used to paying $1380...any increase is going to affect my finances big time and I am afraid of losing my home, what do I do? I am going to pay the past due taxes with a credit card but still I will have that debt to pay just on a credit card. Is it possible for the lender to lower my interest rate without refinancing so my payment will be more affordable? I'm sure lenders dont want another forclosure..please give me some advice on what to do Oh and I forgot to mention that I do not have equity in my home..I bought my home last year in 06 for a great price at the time..since then the builder who sold me my home is selling the same model for $40,000 less..

Open Question: My Fico score is 655. Will I have a problem refinancing my mortgage?

Pelosi opposes EPA clean air decision
WASHINGTON - House Speaker Nancy Pelosi told the Environmental Protection Agency on Friday that Congress would closely scrutinize its decision to reject California's request to tighten rules on greenhouse gas emissions.
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Pelosi, D-Calif., said she strongly disagreed with the agency's rationale for the decision and would support an investigation by Rep. Henry Waxman, D-Calif. He is seeking all documents related to the state's request for a waiver to implement fuel efficiency rules for vehicles that it says will work faster than the federal government's.

"The actions of the EPA in denying the California request cannot help but raise serious questions about the support of the Bush administration for state efforts to safeguard the environment and the health of their residents," Pelosi wrote in a letter to EPA Administrator Stephen L. Johnson.

EPA's announcement Wednesday that it would bar California and at least 16 other states from regulating tailpipe emissions from new cars and trucks was swiftly criticized by state leaders and environmental groups. Several states have said they will appeal the decision.

Johnson said California's emissions limits were not needed because Congress approved energy legislation raising fuel efficiency standards nationwide to an average of 35 miles per gallon by 2020. California officials say their state's law was tougher and acted faster.

White House deputy press secretary Tony Fratto defended Johnson's decision Friday: "He made that based on what he thought was best for the nation in addressing this issue, and he pointed to the really significant policy changes that are going to come through from the energy bill that we signed last week."

"There's always a balance, and he (the president) does have a healthy respect for states' rights," Fratto added, "but these decisions need to be made in terms of what is best for the country."

It was the first time the agency had completely denied a Clean Air Act waiver request from California after granting more than 50. The state adopted tailpipe standards in 2004 that would have required car makers to reduce greenhouse gas emissions by 30 percent in new cars and light trucks by 2016.

Under the Clean Air Act, California needed a waiver to put in place the rules, and other states could then adopt them, too.

Twelve other states — Connecticut, Maine, Maryland, Massachusetts, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Rhode Island, Vermont and Washington — have adopted the standards. The governors of Arizona, Colorado, Florida and Utah have said they also plan to adopt them. The rules are under consideration in Iowa.

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Speaker of the House Nancy Pelosi, D- Calif., pauses during a news conference on Capitol Hill Wednesday, Dec. 19, 2007 in Washington. Congressional Democrats are planning to take on a broader policy focus next year on the Iraq debate after failing repeatedly to pass anti-war spending legislation this year, Pelosi said (AP Photo/Evan Vucci)

Open Question: My Fico score is 655. Will I have a problem refinancing my mortgage?

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