Open Question: urgent loan/finance needed?

My credit is bad because last year my husband became ill with liver cancer. We have been trying to get back on our feet. we can afford a mortgage but no one will give us one because of our credit. The house we are living in was damaged by a flood. we live in the state of Kansas.
Does anyone know of a legal lending company that would be willing to help? we are trying to get a loan for $55,000. for the house we found.

Open Question: how do you get back into employment and paying your mortgage and bills after having been sacked?

has this ever happened to you? iwould like to see this as an opportunity rather than a crisis
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Open Question: Ask to work Part time?? Please help?

i work for a very small mortgage company and as everyone knows the buisness is doing really bad.. i have nothing to do all day and i am so worried about losing my job... i feel like its coming any day.. I want to ask my boss if i can work part time like 3 days a week until things pick up again.. i am worried she will just say to leave completly.. what should i do.. i cant take not working and feeling like i am getting paid for nothing.. and she is usally in a bad mood because i am sure she is frusterated.. please help.. i want to talk to her today.. thanks..

Open Question: urgent loan/finance needed?

i need urgent loan /finance for personal & my sons education. i can mortgage my home . but i cant show my pay slip as i dont have job. i want to know any private banks /nationalised bank or any other financial organisations give quick loan by pledging my home without showing my occupation. pls mention some in tamilnadu.thank you!!!

Open Question: Mortgage for begginer?

Let’s say I want to buy a commercial property for 200K and don’t want to put do 30% and get into an 8 - 10% interest rate commercial mortgage. I own a very profitable company which grosses 1M per year, Bank are always offering this company large loans or equity lines on the business. What is my company borrow me some money, at a fair interest rate of say 5% simple interest and I use it to buy this property ?

What are the advantages and disadvantages? From what I can see. I will have lots of money on the loan (interest) and not have to make a large down-payment and I’ll own the properly free and clear.

Thanks guys.

Open Question: I've figured out a way to buy a property w/o having to get a mortgage. Tell me what you think?

Let’s say I want to buy a commercial property for 200K and don’t want to put do 30% and get into an 8 - 10% interest rate commercial mortgage. I own a very profitable company which grosses 1M per year, Bank are always offering this company large loans or equity lines on the business. What if my company borrow me some money, at a fair interest rate of say 5% simple interest and I use it to buy this property ?

What are the advantages and disadvantages? From what I can see. I will have lots of money on the loan (interest) and not have to make a large down-payment and I’ll own the properly free and clear.

Thanks guys.

Open Question: Will Construction and Real Estate inevitably be effected by the recent decline in bank issued mortgages?

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Open Question: Mortgage for begginer?

Id like to borrow around 200,000-250,000 for an apartment. I have no experience in this so id like to know is how much will i have to pay each month-week, do i need a downpayemtn and anything else you might think i need to know

Open Question: Why don't the McCanns re-mortgage their house to pay for their defence instead of setting up a new fund?

What tax deductions are available to me? Will this be treated as a purchase or refinance? Thank you.
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Open Question: Second mortgage goes unpaid?

If you have taken out a second mortgage on your home and it goes unpaid, can they "reclaim" your home?
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Open Question: there are so many High Speed Satellite Internet companies today, if you had to go with one, who would you pick

the home that is needing this feature is way out in west virginia, zip code 25503. no other service is availible to it, other than dial up.

who is cheapest? who offers the most bandwith, for the cheapest price?

wild blue looks like its more trouble than its worth. so expensive. right now they have soemthing they got through direcTV. the modem they have been provided with through this company has failed twice now. it is very important we get their internet up and working again, because they work for an online database taking photos for mortgage companies, and this job relies on them having a working internet connection. the modem that keeps failing them is the only modem compadable with the dish, and the software required to run the internet.

Open Question: Why don't the McCanns re-mortgage their house to pay for their defence instead of setting up a new fund?

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Open Question: If the Fed drops the int. rate, how soon before the consumers reap the rewards in re. to a Mortgage?

Plz explain the meaning of mortgage in this context:
"The man sends his paycheck to the bank for the mortgage payment on his house."

Thanks.
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Open Question: Taking too long to refinance!!?

I started the refinancing process August 4th. Appraisal has been done, paper work done, lots of documents signed and sent. And here we sit. No word from the mortgage company.......waiting waiting waiting. I was told we'd close by the end of August. Nope. Now we're being told we'll close by the end of September. I ended up paying August's late, and September is quickly becoming close to past due. Our taxes are also due and will be paid with our "new" mortgage. I call the refi company at least once a week. My calls are seldom returned. I was told by them "no news is good news", and they even told me I can cancel and try to go with another company if I wanted. I found that rude. As time ticks on I hate to have to start from scratch with another company. I really need some advise!! I feel like I am being bullied. Help!

Open Question: Who will give a Mortgage loan for a credit score of 613?

please help me find a loan program that help people with 613 score
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Open Question: If the Fed drops the int. rate, how soon before the consumers reap the rewards in re. to a Mortgage?

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Resolved Question: Anyone know anything about HUD Rehabilitation 203(k) loans?

I know nothing about mortgage...and how all of that works.

Would the entire mortgage have to be under one person's name officially? Or can you combine the credit of all 5 individuals to get the loan for the required amount?

What would need to be done to get all 5 guys into the house? ahhh so we could RENT a 5 bedroom house? Is this realistic? How can I look into doing this? I never thought about RENTING a house....but we want to stay away from apartments for sure.

Open Question: Can a parent assume my student loan?

I am looking to apply for a mortgage next year, and my current student loan payment is about $250, which may negatively impact the amount of loan I am eligible for. My parents make the payments on the loan anyway, can they assume the loan entirely so it is not part of my credit report?

Open Question: what is a subprime mortgage?

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Open Question: Reverse Mortgage In Texas?

I reseraching this for my Mother who is divorced 71 retired and will be needing some help to suplement her mmedicare
Value 150,000
balance 92,000
Lives in Georgetown texas, the house looks as though it may need a new roof - any ideas so that i may help/guide her?
How should I start I prefer to deal with someone local.

Resolved Question: Anyone know anything about HUD Rehabilitation 203(k) loans?

I have a condo in the SF Bay area and really just want to put some new floors down, and buy a couple of updated appliances. I couldn't get a HELOC from my credit union unfortuantely, because I have 1st time homebuyer loans from my state and city that are considered 2nd & 3rd mortgages. I'm wondering if a 203(k) might be a decent alternative. Specifically I'm curious about the interest rates, and whether or not refinancing my condo will constitute a sale and I'll lose Prop. 13 protection for the stated value of my condo and taxes. But any other info would be appreciated.

Open Question: i am looking for a mortgage with a 5% deposit, i have bad credit and defaults, does anyone know any lenders?

he rarely wears a suit, actually havent seen him in one for the past decade. usually wears a sweater and blue jeans, and that old raggy hat.
took too many pay cuts to count.
donates over half of his salary to charity.
drives a Ford Expedition, nothing fancy.
lives in a house with a mortgage of maybe only $250,000
willing to block for his rb's.
plays for the love of the game.

who is this player?

Open Question: What is a black out dealing with income/finance or mortgages?

She says she gave her independent mortgage broker, a relative, proof of her income and its source. But loan documents show that her monthly income was reported to be $1,100, more than twice the real amount. A letter from the Social Security Administration served as backup documentation, but the amount of income had been (((blacked out))).

what does this mean????

Open Question: Should I file bankruptcy in my situation?

I make a good salary, but our home moretgage is too much for us to handle (it was a teaser rate and we are not even covering the interest). It is causing us not to have ANY money to do anything else. Considering I am the only one on the mortgage, would it be wise to go ahead and just file for bankruptcy and leave the home?

What happens to my other debts (credit cards, personal loans, rental property, etc)?????

Will it negatively affect my wife's credit profile?

Will I still be able to finance cars, future homes, etc?

How long does it remain on my report?

Open Question: i am looking for a mortgage with a 5% deposit, i have bad credit and defaults, does anyone know any lenders?

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Open Question: Okay this is a real question about immigration and I want a real anwer.?

If there are 12 million or more illegal immigrants living in the USA and they do find a way to get them all kicked out. What happens to all the homes, apartments, mobile homes they own or rent. I live in apartments and they are not bad apartments. I would say about 30 percent of the tenants are hispanic. There are 4 complexes on my street and in all 4 complexes I would say at least 40 percent is hispanic. Which would mean part of that would probably be illegal. Would the prices go up there too? I mean most people have a place to live what would happen to landlords or mortgages? This question is not about should they stay or should they go its about what would happen to real estate and housing if they were to go. I am just wondering what would happen with so many landlords not being able to cover their mortgages or rents. It seems like it would cost the government alot to get that worked out. I am sure that some of those apartments would open up to other people to rent them but not all 12 million of them. And even if the prices went down the aparment complex or the mortgage would still be the same and they would still have to make money that way. I think that the cost to america would be higher just based on this issue. 12 million people would be out of the country that means that at least 8 million homes would go into default either by apartment complex or mortgages. On top of that there is 12 million people not purchasing into the US economy. For some reason I think getting 12 million out of the economy would hurt us more then help us. Once again the only answer I wanted in this question is how it would impact the economy and the real estate market not if they should stay or not. To the lady who said isn't it better to get rid of the criminals. Coming into this country illegally is not a crime you can not face criminal charges for coming here illegally.

Open Question: Meridian Home Mortgage?

However, as things have changed the current market forces 1 to seek alternative ways of income. I happened to come across a group of investors who negotiate short sales N buy these properties in distress. They offer a 2% finder's fee of the settlement price reached through negotiations with the bank on deals up to $500,000 N the percentage changes if the deals are larger. I would like any advice available on a scenario that follows as such:
I am cold calling my mortgage leads, N I come across a client in NY who's 4 months behind on her mortgage N facing foreclosure. So I get all the client's information gather his/her documents N take the client to these investors who have the liquid cash N whom would negotiate with the bank for the short sale. Upon reaching a settlement price of lets say $500,000 I receive a check for $10,000.
Now remember I am not a licensed real estate agent. Is this legal in any way?Is there anything I can do to make it an acceptable practice?

Open Question: My mortgage is about to increase due to an adjustable rate, is there anthing I can do to avoide this?

The problem is that 2yrs ago I made the mistake of getting a loan for my sister who did not have any credit. She wasn't able to pay the mortgage and now the house is under forclosure. The adjustable rate increase is on a condominium that I am leasing out, not on the house that is under foreclosure I have always kept up with my payments and was unaware of my sisters defult on the mortgage until recently. My question is: Is there anyway that I can stop or atleast postpone this increase eventhough I am in forclosure status on another property? I can't afford this increase right now, I am only 24yrs old in college and don't have any savings to help me out thru this dilema. Any advice would be sooooo greatly appreciated.

Open Question: buying a home in this market?

There are so many foreclosure and for sale signs in my immediate neighborhoos .. folks are tring to get to get out of mortgages they can no longer afford. i was wondering if this is actually agood time to buy properties? since the prices seem to be a little cheaper and buyers want to unload at almost any price. is it worth taking a financial hit now and hoping to resale later?

Open Question: I have a conv. loan & a 2nd mortgage should I go for a Va and combine both mortgages?

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Open Question: Meridian Home Mortgage?

Are they a good comapny to refinance with? Anyone use them?
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Open Question: Does anyone know about sellers rights when a house is turned over to an investor?

Ok, so I work in a small mortgage office. I work under three different managers (2 male and 1 female) and a broker (owner). One of the male managers, let's just call him Jerk, is a big jerk! He is a complete control freak! He makes my life at work a living hell. Everyone in the office is convinced that he has something on the owner because for some reason the owner lets him do whatever he wants. He over rides the other two managers...even the owner. So many people have quit because of him. But the owner won't fire him. He allows it and his company is downsizing because of him. He bullies all of the loan officers here. Everyone hates him here. You get the point.

Well, I am the receptionist here at the office. He HATES it when I engage in any type or form of conversation with anyone. He always "butts" in and says it's time to break it up or asks what do you have to be doing right now kind of question. Like if I am talking to my direct manager about work related stuff, he'll interrupt and say, "do you want me to answer the phones because they keep ringing?" or he'll say, "someone is at the front" and I'll go to the front and no one is there. He does the shadiest things imaginable.

Well, lately he has been making me feel very uncomfortable. Yesterday he saw me talking to one of the loan officers because the loan officer asked for help on something and walked by and gave me the ugliest look and just stood there. I walked away and looked at him and rolled my eyes. The look that he gave me made me feel so uncomfortable because he always does this to me. He's even gone as far as taking the loan officer a side and told him the can not talk to me at all! Not even a "Hi, how are you?" Everytime he sees me talking to him, he'll stand there, fold his arms and give us a dirty look until we walk away. He takes it to personal that I feel like he likes me.

I should mention that we were good friends until he started to behave this way. I stopped being friends with him. I told him that I treat him the way I treat everyone else. He said that loan officers take time away from my work, but then yet he would call me into his office and tell me about his weekend. I told him that that would have to stop because I would have to treat everyone the same, including him. His behavior really freaks me out and scares me.
Now he is a HUGE jerk to me!

I complained to my Manager and told her that he makes me feel uncomfortable and she said, "It's just Jerk". What makes me feel uncomfortable is that not only does he control the office, the managers, the loan officers here....he tries to control me and not let anyone talk to me or me talk to anyone else.

That look and stares that he gives me makes me feel so uncomfortable! *********I do my job and I do it very well. I don't put work a side to chit chat. Work comes first. If and when I talk to loan officers...I can hear my phone ring and I am quick to answer it and greet clients*******

Open Question: Does anyone know about sellers rights when a house is turned over to an investor?

I "sold" my house to an investor in 2006. I was verbally told that the house would be "re-financed" within 2 years. However, since the market has taken a turn for the worse, and I believe the people in the home are having trouble refinancing. I was assured by the investor that all payments would be made on time. I have received no late pays to date. However, I recieved a call from my mortgage company stating that this months payment is already 10 days past due. I am getting really concerned. I am planning on contacting an attorney in the morning, but wondered if any of you have had any similar dealings. I just wonder what my rights are and if I am protected in any way incase the investor defaults on our deal. you are correct in that I did not "sell" my house. The investors are now on the deed and I can't do anything without their approval. They do have tenants living in the house that are on a contract deed type of arrangement. I do not have a formal contract with the investor. However, I do have a HUD-1 and I signed some seller certifications. There were no buyer certifications included. I was in a rush when I agreed to the transaction. Now I am wondering if I have any recourse.

Open Question: My Credit Score is 734. Is this good enough to buy a house during the mortgage crises?

A friend of mine is married but has not seen her husband in 4 years. He now lives in another county with his girlfriend. She just found out that he signed on a Mortgage with his girlfriend as a "Single Man" and on the Quit Claim Deed as an "Unmarried Man". She has been asking for a divorce for 3 years now and just found this out. Does anyone know the recourse of this and because she lives in a "Community Property" state, is she entitled to either money or some of this property. I know she needs to see an attorney for a consultation. She just needs to know where to start and was it fraud on the Mortgage. I am sure the Mortgage Company does not know that he is still married and put down that he is unmarried and single. Please help! If she doesn't need an atty, then what does she do? Packinrat... It is COUNTY NOT COUNTRY. thank you O.K., seeing how this might NOT be Mortgage fraud, I know she may be responsible if he defaults. He lied saying he was single to get on the Mortgage. He probably thought she would never find out about this. Now, she is a nervous wreck and wants the divorce more than ever. She cannot afford an atty. What can she tell him in regards to what he did that was illegal?

Open Question: My Credit Score is 734. Is this good enough to buy a house during the mortgage crises?

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Open Question: My Credit Score is 734. Is this good enough to buy a house during the mortgage crises?

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Open Question: My Credit Score is 734. Is this good enough to buy a house during the mortgage crises?

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Open Question: What should i do?

I made a mortgage loan payment after the due date which the bank charged me a $50.00 late fee. That is cool. I expected it. They claimed I skipped a payment because I went past 30 days between payments. They wanted a double payment at which I couldn't swing. The late fee rose up to $150.00 a month and now is up to $254.00 a month. My payment is $500.00 a month. I paid them $1000.00 in July to bring my payment up to date and to meet my monthly mortgage payment requirement for July. However, I did not pay the late fee in full. Many banks will tack on the fees to the end of the balance. My bank is not and is charging me $254.00 late fee on top of a late fee. Is this legal? Are there limits to what they can charge? One late fee has grown to $550.00 for the month which is more than my regular mortgage loan payment. This makes it impossible to catch up. I tried to work with my bank, but the right hand does not know what the left is doing. Any suggestions? This is maddening! Help!

Open Question: What should i do?

me and my wife are not getting along very well these days because she spends too much money for spa and for other fancy things to make her look beautiful which i dont like at all.And before our marriage i used to get involved in many charities to help poor children from africa and asia .before our marriage i somehow forced her to sign a prenup after a big drama in which it states whatever she makes its hers and whatever i make its mine even after marriage in case if we get seperated .now we have a 2 year old daughter.for the past six months she dint share any of her salary for our mortgages and she is spending all her money and she asks for more from me ,well i make 5 to 6 times more than her annually .the real problem is i cant donate much money for the past 6 months which i used to donate.and i have to save for my daughter as well and i dont believe in divorce coz my daughter needs her mom and now she dont want me to donate at all what should i do andif i dont give her moneyshe cries

Open Question: My home is worth 200K and all paid off.. I'd like to get a mortgage for 200K?

Are there any mortgage programs in my area (California) that will help me buy a new house and get away from my spouse?

Both of us on home loan currently. This is keeping me from prequalifying on another home loan. Rent in the area is as high or higher than current monthly mortgage payments in my range. I can afford it, but noone wants to loan me?

(She and I will eventually sell our house, but right now we can't just yet and I need another place to live stat!)

Open Question: My homeowners assoc. keeps sending me notices in the mail about me having weeds in my yard and the cracks in?

my driveway having grass in them... I pull my weeds as soon as possible and for the grass in my cracks??? what can I do( besides spending every day off pulling weeds) to get them off my back??? Im not retired and I do have to work!!! I heard if you tell your mortgage co. theyll do something for you? Is that true?

Open Question: Am I selfish.........?

Am I selfish to want to act my age?
I sometimes wish that I didn't have all these responsibilities... I don't have any kids, but I am taking care of my family. I work full time and go to school. But sometimes I just want to go away and get lost in a bunch of bad ideas.
I don't want sympathy because I hate pity.... But I feel so bad for wanting to just run away, in a sense, and get crazy and let go and just do something totaly crazy. Like run off to Vegas and not worry about bills, mortgage payments, no making ends meat and how the hell I will pay for books.....
Is that selfish?
why, do you think, can't I stop thinking this way?


Just wanted to add that I don't regret helping out and I don't resent my family, but I don't know why I am feeling this way.......

Open Question: My home is worth 200K and all paid off.. I'd like to get a mortgage for 200K?

House is not selling and I'd like to get my hands on 150 - 200K and do undisclosed things with the money. How can I get my hands on the cash and what type of loan should I go for? My house is not on the market. I meant homes are not moving in this area.

Open Question: sequences and series question:?

I used to have a few houses that an investor took "subject to" and I hold the mortgage .Now, this investor is starting to default on the mortgage of at least one house that I know of, and the house is in foreclosure. I also get calls from the codes violations department about possible liens on the other properties. My credit is shot as a result of this investor (and my own bad choices), and I also have a couple of houses on my own . One homesteaded (with not much equity) and one rented that is $300 a month upside down. I also have credit card debts, an upaid car and no job (I'm on unemployment)... so, as you can see I fee I'm heading to a disaster. I'm willing to let everything go for the peace of mind! Can liens be attached to my homestead home? I feel that chapter 7 is my answer, considering I cannot pay anything, really... My money is running out, and I can't take the stress anymore. Any ideas of relief? Foreclosures? Banktrupcies?

Open Question: can someone help me find a good article to summarize?

In my accounting class i have to find a recent article on a business or accounting firm. One person wrote about the drop in price in the iphone. Another wrote about a major mortgage accounting scam. I can't find anything interesting so do you have any ideas. Thanks for your help!!

Open Question: can anybody tell me of a Mortgage free house?

Adobe or domes and plastic houses might do.
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Open Question: sequences and series question:?

What is the monthly payment on a 30-yr mortgage of $120,000 at 12% interest?

a. $941.11
b. $967.13
c. $1033.42
d. $1234.34
e. $1440.20
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