Tuesday, September 11, 2007

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425 Financial, Inc. 3650 248th Ave SE, Issaquah, WA 98029 (888) 429-9482 (425) 651-2011 x11 FAX 425-961-0530 Apply Online Today by Clicking Here!





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tbbaby.mov


Available Videoclips Quotes from T. Boone Pickens, CEO of MESA Inc. T. Boone Pickens on if he were a baby again (QuickTime: 2.6MB)
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WINONLOANLOGO.swf

Quicken Loans knows when your mortgage payment is too big, it follows you everywhere... Author: sthomson Keywords: Mortgage Mortgages Car Shopping Refinance Refinancing Purchase Home Loan Quicken Loans Added: November 30, 2006





NMI_B2C.swf


To be placed on our Internal Do-Not-Call list and removed from marketing lists. Opt-Out Terms and Conditions | Disclosures | Copyright NovaStar 2003-2005





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swmodig.mov


On the Cost of Capital and Debt What We Think of Modigliani/Miller Around Here
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lux_audio.ram


Greg Papa Play Using: Real Audio Windows Media
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swglobal.mov


Maintaining Good Supplier Relations The Global Financial Marketplace
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COASTAL-quick.mov


Coastal TV
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steve01.wmv

Interest Only Loans are not for everyone 17 sec - Dec 3, 2006 20 fixed mortgage rate year 3 month cd rates 5 year adjustable rate mortgage 7 1 adjustable mortgage rate adjustable mortgage calculator adjustable rate mortgage adjustable rate mortgage advice adjustable rate mortgage basics adjustable rate mortgage calculator adjustable rate mortgage calculators adjustable rate mortgage information adjustable rate mortgage loan adjustable rate mortgage loans amortization calculator arm fixed rate vs arm interest only mortgage arm mortgage arm mortgage loan bank cd interest rates bank of ireland mortgage banks cd rates best cd interest rates calculate adjustable rate mortgage california interest only mortgage cd interest cd interest rate cd interest rates cd rate calculator cd rate comparison cd rates certificate of deposits certificates of deposit certificates of deposits rates cibc mortgage calculator compare cd rates compare mortgage rate for refinance connecticut interest rate current interest rate mortgage current mortgage rates debt consolidation finance mortgage rates financing mortgage rates fixed rate interest only loan fixed rate interest only mortgage fixed versus adjustable rate mortgage florida mortgage rates high cd rates highest cd rates house loan rate interest calculator interest only interest only house loans interest only jumbo mortgage interest only loan calculator interest only loan interest rate interest only loan mortgage calculator interest only loan rate interest only loan rates interest only mortage interest only mortgage interest only mortgage calc interest only mortgage calculation interest only mortgage calculator interest only mortgage calculators interest only mortgage florida interest only mortgage interest rate interest only mortgage interest rates interest only mortgage loan interest only mortgage loan calculator interest only mortgage loans interest only mortgage payment calculator interest only mortgage payments interest only mortgag

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wizards_beast_v1.swf


Watch as the mortgage beast shows you the benefits of refinancing your home loan with Wizard . (Requires Flash)





sarniamap.swf


City of Sarnia Map County of Lambton Map The City of Sarnia, Ontario's beautiful Blue Water Country. Located on the south shore of Lake Huron, just across the St. Clair River from





swsuplir.mov


Working in the Retail Industry Maintaining Good Supplier Relations
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clip02.wmv

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refinance.swf


Start receiving leads in less than 15 minutes. No waiting, accounts are activated immediately. Simply fund your account and buy!





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The Key to Getting Promoted in a Large Organization How to Stand Out in an Interview
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How to Stand Out in an Interview What Kinds of Positions are Available in Insurance?
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PMI is expensive and easy to avoid


Private Mortgage Insurance is expensive and only benefits the lender. But you can refinance, or avoid PMI by obtaining two mortgages.




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Zoom Credit TV Commercial

الهدف الاول محمد بركات الهدف الثاني محمد بركات الهدف الثالث محمد بركات




clip01.wmv







r44319_114476.asx


met today, the Prime Minister embarked on a last minute lobbying effort against an increase in rates saying record oil prices were already punishing consumers. [Real Dialup ] [ Win Dialup ]

WEWS_3.wmv


Bureau's Website above, Click on Check Reports, Click on Search by Phone or Website, then simply put in 800-262-5950 , or 440-975-8506 , or OriginalMortgage.net Watch the Better Business Bureau T.V. Commercial. We can also Provide You PEACE of MIND!! with our many types of TERM LIFE INSURANCE PROTECTION at Incredibly LOW Premiums




papa.wvx


Home Loan Video Commercial Loan Video
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home.wvx


Home Loan Video Commercial Loan Video
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Zoom Credit TV Commercial


TV commercial featuring the http://www.zoomcredit.com/ website. Shared by : ZoomCredit On: Wednesday, January 10, 2007 Views: 6 Tags: nbsp; http nbsp; website nbsp; zoom nbsp; credit nbsp; loan nbsp; featuring nbsp; repair nbsp; debt nbsp; mortgage nbsp; zoomcredit nbsp; refinance nbsp; consolidation nbsp; commercial nbsp; TV commercial featuring the http://www.zoomcredit.com/ website.

Low Cost Home Loans in Bellevue, WA. Steve Bentler Homestead Mortgage...

Low Cost Home Loans in Bellevue, WA. Steve Bentler Homestead Mortgage. Bentler Video Productions 1 min 12 sec - Jun 10, 2006 Steve Bentler, Sr. Mortgage Consultant Homestead Mortgage provides low cost home loans home mortgages home financing in Bellevue WA and all of Washington State. http:/www.homesteadmortgageloan.com/stevebentler/homepage.html Steve Bentler and Homestead Mortgage offer home loans, home mortgages, home equity loans, home equity mortgages, home refinances, mortgage refinances, debt consolidations, debt consolidation mortgages, debt consolidation loans, refinance, interest-only mortgages, residential mortgages, home financing, refinancing, real estate mortgages, real estate loans, home equity lines of credit, and other lending services. Great Credit, Bad Credit, No Credit, loans with low rates, online real estate mortgage lender, mortgages, lowest mortgage interest rates, lowest finance rates. Bellevue WA Real Estate. Bellevue WA Homes. New Homes for Sale in Bellevue WA. Real Estate for Sale in Bellevue WA. Homes in Bellevue WA. Real Estate in Bellevue WA. Realtor in Bellevue WA. Investment Homes Bellevue WA. Investment Real Estate Bellevue WA. Bellevue Washington Real Estate. Bellevue Washington Homes. New Homes for Sale in Bellevue Washington. Real Estate for Sale in Bellevue Washington. Homes in Bellevue Washington. Real Estate in Bellevue Washington. Realtor in Bellevue Washington. Investment Homes Bellevue Washington. Investment Real Estate Bellevue WashingtonSteve Bentler, Sr. Mortgage Consultant Homestead Mortgage provides low cost home loans home mortgages home financing in Bellevue WA and all of Washington State. http://www.homesteadmortgageloan.com/stevebentler/homepage.html Steve Bentler and Homestead Mortgage offer home loans, home mortgages, home equity loans, home equity mortgages, home refinances, mortgage refinances, debt consolidations, debt consolidation mortgages, debt consolidation loans, refinance, interest-only mortgages, r

aroundtown2_150k.wmv

Mortgage Mortgage Mortgage LendingTheGreen.com 1 min 0 sec - Jun 18, 2006 Conventional Mortgage loans are secured by government mortgage sponsored entities or GSEs such as Fannie Mae and Freddie Mac. Conventional mortgage loans can be made to purchase or refinance homes with first mortgage and second mortgages on single family to four family homes. In general mortgage loans from, Fannie Mae and Freddie Mac apos;s single family, first mortgage loan limit is $417,000 in 2006. This mortgage limit is reviewed annually and, if needed, changed to reflect changes in the national average price for single family homes. The current loan limit applies to all conventional mortgages delivered after January 1, 2006. The most common type of mortgage program where your monthly mortgage payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally your monthly mortgage payments will be very stable. Fixed rate mortgages are available for 30 years, 20 years, 15 years and even 10 years. There are also biweekly mortgages, which shorten the loan by calling for half the monthly payment every two weeks. (Since there are 52 weeks in a year, you make 26 payments, or 13 months worth, every year.) Fixed mortgage rates fully amortizing loans have two distinct features. First, the mortgage interest rate remains fixed for the life of the mortgage loan.

Video: Mortgage Rates; AirTran Profits


In Friday’s consumer and money headlines, a bumpy ride for one big airline\'s finances, and a good time to buy a house or to refinance one.




$Money Talks$


$Money Talks$ 3 min 48 sec - Jan 12, 2007 Ben Pederson,Alpine Mortgage Services,Bend,Oregon,Refinance,Mortgage,Real Estate
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aroundtown2_150k.wmv


About Us - A short video


Refinance

3. YLE24 , Finland Online Live TV - ENTER




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NorCal-WeekendTour1.wmv


3-Day Guided Tour of Northern California Watch the Video




CentralCal-WeekendTour1.wmv


3-Day Guided Tour of Central California Watch the Video 3-Day Guided Tour of Northern California




refinance.ram


Click icon for video Explanation of Refinancing Your Mortgage.
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Refinance


Refinance http://www.respectableloans.com 30 sec - Dec 24, 2006 Loan Resources, Loan Information, Mortgage Loans, Auto Loans, Car Loans, Truck Loans, 2nd Mortgages, Second Mortgages, Student Loans, School Loans, Student Loan Consolidation, Loan consolidation, Credit, Credit Cards, Refinance http:/www.respectableloans.comLoan Resources, Loan Information, Mortgage Loans, Auto Loans, Car Loans, Truck Loans, 2nd Mortgages, Second Mortgages, Student Loans, School Loans, Student Loan Consolidation, Loan consolidation, Credit, Credit Cards, Refinance http://www.respectableloans.com

Voting Question: Advice in getting rid of my house.?

is a credit score still essential? in what sense? there are lot's of advertisments saying "0% APR and after that is 8.9% for bad credits." and then whenever i check my yahoomail there is always an ad that says, 'sour credit? sweet card." there are also cars, loans, credit cards, mortgages, refinance that requires no downpayment plus good APR rates. how essential are credit scores nowadays?

Voting Question: How to reduce mortgage payment?


We have a 30 year mortgage with a 6.75% fixed rate. We have owned the home for just under 2 years. Would it be worth it to try to refinance? Our financial situation has changed & our mortgage is becoming too much for us to pay. We haven't missed any payments, however we have been late (not more than 30 days though). Any suggestions?

Voting Question: Advice in getting rid of my house.?


I live in San Diego, CA and a little over 2 years ago I purchased a house. In the 2 years I’ve been laid-off twice and had to use what little saving I had to make the mortgage payment. My current employer has informed me that come October I will be getting laid-off because the contact I am working on (I work for a DoD contracting firm) for the US Army will be ending and there are no other contracts they can put me on.

I have been trying desperately to get another job but so far nothing has materialized. Once I’ve been laid off I figure that I will be able to make 1 or 2 more mortgage payments because I run-out of money in my savings again.

So here is the problem the house values in my area have dropped $30K so my house is worthless than I paid for it 2 years ago, 20 to 25K less, so I can’t sell the house nor can I refinance it, which wouldn’t help me since I’m getting laid off anyhow.

Has anyone had to deal with something like this and if so what are my alternatives?

Even renting the place out would be a problem as rents here are between $1400 and $1700.00 and my mortgage payment is $3300.00.

Are there people who take over payments or the like? I don’t want to ruin my credit I’d rater take the loss.

Thanks for any advice..

Resolved Question: Scam Alert! Homeowners Please Read!?

if i go bankrupcy can i still buy acar or refinance my house
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Resolved Question: Scam Alert! Homeowners Please Read!?


SCAM ALERT

It’s despicable what I am about to write about. Every homeowner should know and beware.

If you have listened to the radio, turned on the TV or read a newspaper in the past 9-months or so you are well aware of the credit crunch facing the lending community. Tens-of-thousands of homeowners are in loans they can’t afford and can’t refinance out of. Foreclosures are at an all-time high and show every indication of getting higher.

If you are one of these unfortunate people you are probably willing to do just about anything to save your home. This is why I’m issuing this warning.

Wouldn’t you know an entire cottage industry has popped into existence as result of this crisis? These companies contact you and offer to negotiate your debt with your lender. They claim a track record of success saving people from foreclosure. It all seems on the up-and-up. You pay them a fee…. And they’re gone.

FACT: The only entity you can negotiate with is your lender. They are the only ones who can help you. YOU DO HAVE OPTIONS. Speak to your lender’s “Work Out” or “Loss Mitigation” departments and see if there is a loan modification program available. Other options include a forbearance agreement or as last result a short sale.

If you have exhausted all options you may be able to seek relief through bankruptcy protection. Speak to an attorney to see if you are a candidate for this option.

The worst thing you can do is NOTHING. The problem isn’t going to go away. Get proactive and deal with it, and for God’s sake STAY AWAY FROM THESE MORTGAGE PRTECTION COMPANIES! They can do NOTHING for you.

Resolved Question: Scam Alert! Homeowners Read This!?

SCAM ALERT

It’s despicable what I am about to write about. Every homeowner should know and beware.

If you have listened to the radio, turned on the TV or read a newspaper in the past 9-months or so you are well aware of the credit crunch facing the lending community. Tens-of-thousands of homeowners are in loans they can’t afford and can’t refinance out of. Foreclosures are at an all-time high and show every indication of getting higher.

If you are one of these unfortunate people you are probably willing to do just about anything to save your home. This is why I’m issuing this warning.

Wouldn’t you know an entire cottage industry has popped into existence as result of this crisis? These companies contact you and offer to negotiate your debt with your lender. They claim a track record of success saving people from foreclosure. It all seems on the up-and-up. You pay them a fee…. And they’re gone.

FACT: The only entity you can negotiate with is your lender. They are the only ones who can help you. YOU DO HAVE OPTIONS. Speak to your lender’s “Work Out” or “Loss Mitigation” departments and see if there is a loan modification program available. Other options include a forbearance agreement or as last result a short sale.

If you have exhausted all options you may be able to seek relief through bankruptcy protection. Speak to an attorney to see if you are a candidate for this option.

The worst thing you can do is NOTHING. The problem isn’t going to go away. Get proactive and deal with it, and for God’s sake STAY AWAY FROM THESE MORTGAGE PRTECTION COMPANIES! They can do NOTHING for you. Fortunately I personaly did not fall victim to this fraud. I have several clients who did though. It put them in a bad, bad place.

Voting Question: What does your credit score have to be in order to qualify for a small business loan? I want to be prepared.?

I have one of those loans that banks don't want anymore. It's a 5-year interest-only ARM. However, I bought this on purpose, and have the ability to pay.

My mortgage company just sold my mortgage (not unusual). However, considering the timing and the type of loan it is, I am assuming they sold it at a hefty discount. I'm paying under 4% interest-only payments for five years (I paid a lot of points), and after those five years are up, I have adequate credit and equity to refinance, or I might just have the cash. So, the new mortgage lender can count on under 4% interest for less than 3 years.

My question is, if banks are willing to sell my mortgage at a discount, is there any way for me to buy it? Would it help if I thrashed my credit first?

-->Adam It seems my question needs clarification.

I would be a fool to payoff this mortgage now at full price. I'm paying under 4%. I calculated the points I paid as yielding a rate of return of 12%, but if I don't keep the loan a full 5 years, the points were a major rip.

However, if I could buy my mortgage for significantly less than my payoff balance, I would consider it. In today's market, my mortgage would be sold to another mortgage lender for a BIG discount, so why not sell it to me for a (presumably smaller) discount?

Voting Question: What does your credit score have to be in order to qualify for a small business loan? I want to be prepared.?


I am looking to start a small baby/mother's boutique. The only thing keeping me from going and getting a loan is the fear that my credit score won't be high enough... it's sitting at 630. It was higher before I refinanced my house which unfortunately knocked my score down about 50 points because of the number of times it was checked.

What else do they look for besides a good business plan? Is a bank the best bet or some other lender? Do I even attempt to look online?

Resolved Question: How do I join two adjacent property deeds into a single deed?

I have 2 mortgages, one is a libor ARM which was at a fixed 6.1% for 2 years and the second is a 30/15 balloon at a rate of 9.65%. The 2 years of my ARM is going to expire in November
of this year. What is going to happen? Will it adjust to the
current interest rate which I think is around 6.2%? Does it
adjust every month?

Voting Question: Can I refinance on only one of my mortgages?


I have 2 mortgages, one is a Libor ARM at 6.1% for $412,250.00 and the other is a 30/15 Balloon at 9.65% for $72,750.00 making the value of my property $485,000.00.
I have to refinance the ARM because it is about to expire
and adjust to a new (higher) interest rate. My question is, say my property value is the same, can I refinance the ARM only
based on the property value of $485,000.00? Does the other
mortgage come into play?

Voting Question: i need to get a personal loan with no credit check for 18000.00 dollars?


can anyone tell witch site i can go to so i can get approved.i will nogo threw any of those credit or debt managment programs.and i will not refinance my home because my husband has no idea i have any debt and i can not tell him either because he is not the understanding kink of guy.

Resolved Question: How do I join two adjacent property deeds into a single deed?


I live in Travis County Texas. I own a property and would like to buy the adjacent lot. I only wish to do so if I can refinance my existing home to include the adjacent lot, which I can only do if they are joined under a single deed.

Is it possible and if so, how does one go about this? The county clerk is telling me it's not possible but I can't understand why.

Open Question: H3 Lending Group?

My client has a rental property and he refinance the property and paid loan fees and closing cost . Can I deduct these expenses on Schedule E? thanks
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Voting Question: Received a Courtesy Notice that an Arrest Warrant has been issued?


I took out a loan with a finance company, part of the terms of the loan was to submit a check as collateral. Well I made 3 payments, refinanced the loan and then I fell behind on payments. Shortly after that, my checking account went into overdraft status for 2 months and subsequently, the checking account was closed. Well today I get this letter regarding warrant for arrest, so I assumed that the finance company submitted the check for payment and it was returned as "closed account". How do I rectify this situation as quickly and painlessly as possible. I do not have the funds to pay the loan right off, nor any additional fees, Nor do I have enough to post bond. Will the court work with me. In total I owe $250. The amount of the original loan. Help..

Open Question: what do you think of the 50 year mortgage now available?


we are refinancing from a 3 yr. arm to a fixed mortgage. We are 60 yrs. old & will never live to see our mortgage paid off so we were thinking of going with a 40 or 50 yr. mortgage to reduce the monthly payment. We need to know if this is a good idea.

Open Question: should i bother refinancing my car?


i pay 10%. my credit score is over 700 and ive had it for almost a year. its an '07. is it worth the effort? can i get better and if so how much? i dont have much credit but i have no negative marks and few inquiries.

Open Question: H3 Lending Group?


Any one had refinanced with this company?
How was your experience?
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Open Question: What should I do?

We are refinancing our home for a few extra thousand to do some improvements. Our bank is out of state so they are sending a lady to our house tonight to close. Will she bring our check with her and we get it tonight?

Resolved Question: Refinancing home........do I get check at closing?


We are refinancing home for a little extra money. A lady is coming over to our house tonight to close and sign all the paper work. Will she bring us a check tonight?
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Open Question: Want refinance or sell house with wife unreachable for indefinite period. On disability, dont want divorce?


I really need to refinance to pay down credit debt. I am eligible for disability (low interest) refinancing but unless co-title holder signs banks wont let me refinance. I don't want to divorce just to get out from under but I cant sell my house or refinance. There MUST be some option or resource to help me?

Open Question: Car refinancing?


I would want to exchange my old car for a new one. However, since i have a loan pending. I want to know if there are options in the market to transfer the existing loan. if any direct links could be provided it would be awesome.

Open Question: What should I do?


I have two mortgages, one is a 2 year interest only ARM at 6.1% which is going to expire in November of this year, and the other is a 30/15 balloon interest only at 9.65%. The margin the bank is quoting me for the 2 year ARM is 5.7%! This will nearly
double my payments! I cannot afford more than $2700.00 a month in total mortgage so I don't think I can just refinance.
Any ways, my house has gone down in property value. Help!

Resolved Question: Should I refinance my car? APR is extremely high compare to the average.?

i'm in a predicament. i have substanial assets and nothing is selling. i need cash fast. ive been living off my savings and providing for my employees the last 6 months,my credit is shot as ive tried to get refinance or equity loan -i waited too late to try to get that as they have tightened up. any suggestions? my business is also stopped- im a contractor. no job potential as of yet.

Resolved Question: Just bought house with built in equity, when can I refinance?


I just purchased the home I've been living in from my inlaws. It was sold to us for 109K, and we received a gift of equity for half the price, so after closing fees and such, our purchase price from the bank was only 56K. When the house was appraised, it was actually valued at 139K. So basically, after buying the house, we instantly have 83K worth of equity built in, depending on how the bank feels about the purchase price vs valued price from appraisal. We are wanting to use a chunk of the equity to pay off some credit card bills and do some renovations, somewhere in the neighborhood of 40K. My question is how complicated of a process would this be, is it even really possible, and how soon can I go about doing this?

Resolved Question: Should I refinance my car? APR is extremely high compare to the average.?


I am from abroad and have been in the U.S. for only 4 years, so my credit score is still "fair" due to the length of time my accounts have been established is relatively short. So APR is currently little over than 16%. I've been receiving letters from other creditors regarding refinancing. Please somebody tell me if I should or should not refinance and the reasons for it. I am paying $452 a month and 3years is left. It is too much for a full-time student to take care of..

Open Question: refinancing for my adjustable arm???? How long does it take? What should I expect to pay?

Hi,
a few months ago I was looking on buying a second car, when I was looking at cars my boyfriend did not like the car I was planning on buying (on my own) So He took Me to an exotic Car dealer, He knew my dream car was a db9 and right there it was! when they told us that the car was $150.000 I got up to walk out. The next day He put $50.000 down and I was the co-owner on this car. He knew that I did not want A $2000 car payment. He told Me not to worry about it that this was a gift and that by december the car was going to be paid-off. Now we are not together I have this car and I don't know what to do..
I love my car but this was not what I can afford. My question is(by law) if this car was gift WASN'T A GIFT? or is He entitled to his down payment back? or should I let him refinance the car under his name and let him keep it, Or should I get a lawyer??. Please let Me know. Thanks

Open Question: Mortgage/Refi Question?


We have to refinance our house in April '08, so I've been trying to prepare for that. Got the truck paid off, and plan on having the credit cards and a student loan paid down prior to then so they'll reflect a minimal balance.

This is our first house, and we had to go with a "subprime" 100% loan with the ARM after 3 years. We have no problems making the payments, and I figure with the interest rates going up, the payment for a fixed rate loan will probably be about the same. So....what I'm asking I guess, what else do I need to do to prepare? I've heard different things, like refinancing is much easier, but times are changing. Is there a certain amount of money we need to have in the bank? Like so many months worth of payments? Anything else?

Not sure if this was the right category, didn't see anything for mortgages/loans, and thanks for your help! 6 month interest prepayment penalty....
Yes to all those questions, so hopefully that'll help.
We went through a broker, no offense to any of you brokers out there, but he was a sh*t bag lol. We were kind of in a time crunch and had to take what we could get quickly. He tried screwing us by adding extra fees at closing. We told him to basically stick it where the sun don't shine :) We got a reimbursement check from him...

Open Question: refinancing for my adjustable arm???? How long does it take? What should I expect to pay?


Is it a better idea to consolidate bills at the same time if you are financially strapped?
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Resolved Question: What are the pros and cons of refinancing a car?

Few months ago I bought a used 2002 tahoe. THe monthly paments are pretty high. I want to refinance it to bring down the monthly payments. I need some tips. I've done research and found out that I should go w/ credit union. I also found Recommended Refinance Car Loan Companies Online such as Auto Purchase Loans,
Car Loan Authority, or National Car Financing
Instant Car Loan. With these loans I simply fill out an application and will be able to help get the lowest rate possible. But I'm not sure if i should fill out the application online. My loan is currently with Bank of America. PLEASE HELP w/ tips.

Resolved Question: Can you do a balloon payment on a mortgage and what are the consequences?


Me & my husband are looking to buy but I was wondering if you could do a balloon payment or something on a mortgage so that your payments would not be so much from the start? I know at sometime in the next 5 - 10 years we would refinance and could probably get rid of the balloon payment but Im not sure how all that works. We have never bought a house so all of this stuff sort of scares me. Any suggestions??

Open Question: Can i purchase a house for 5% down, then sell my 1st home and use that money towards new loan ,then refinance?


$230,000.00 would be the purchase price.
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Resolved Question: I want to refinance my car how many different banks can I apply to before it will hurt my credit score?


I was told 3 times is this right?
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Resolved Question: What are the pros and cons of refinancing a car?


I have good credit (well over 700). The resale value of my 2004 Honda Civic is well above what I owe. I'm interested in refinancing to pull some money out to pay off a credit card bill. If I do refinance, how will this look on my credit? My husband and I are also interested in purchasing a new vehicle in the next few months and refinancing our home next year. Good idea to refinance my car?
Thanks very much!

Open Question: Private Money,Hard Money or Sub Prime Lenders Michigan?

OK, it's not a bailout but the President just announced that the government will offer to refinance high risk loans for people with good credit.

I just got my mortgage last January and understood it to be a fixed rate yet interest only loan. But then I read in USA Today that these are high risk loans too and that the payment will go up when the principal kicks in and the rate can actually change. I realized the payment will go up but I thought I had a fixed rate! Anyway, I have a Countrywide loan and I'm a thinking I better check things out. So before I run off to find a CPA or mortgage expert can any of you tell me if I should be looking into this government refinance? And where do I go to get it? Thanks.

On a separate note it looks like Countrywide is making some drastic moves to stay competitive with the market (borrowing money, laying off %25 of the workforce). But if they go belly up any idea how that will affect me? Thanks again!

Open Question: National Mortgage Alliance Legit?


NMA a subsidary of georgia banking company is offering me an amazing rate on a refinance now I have amazing credit (810) and amazing LTV 22% but other companies best were like 6.00. NMA is offering me similar closing cost as well... It just seems too good to be true.

Open Question: Private Money,Hard Money or Sub Prime Lenders Michigan?


I am looking to purchase a foreclosue in Michigan for about 95,000 I am getting a really good deal on it however the market for less than perfect credit has went down in my area. How can I purchase this home through a hard/private money lender or sub subprime broker so that I can then get my credit score up in 6months to a year and refinance? I need brokers that serve in Michigan and I am a highly motivated also brokers that offer interest only or fully amortized would be very very good for me as well. Thanks so much

Open Question: Need Advice, how many people pay 2 car payments??

I want to open up some discussion here. You see, I have reason to believe that the current mortgage crisis was either intentionally planned or a colossal mistake the likes of the stock market crash. Allow me to elaborate:

Years back, a new and wonderful thing came about in the world of mortgages, the “refi”, which we have come to know as the refinance. For those of you out there familiar with this, people where allowed to refinance into adjustable rate mortgages and get cash out against equity. This program was signed off on by the powers that be that oversee the mortgage and banking industry, a key player is the Federal Reserve Board (to be referred to as FRB forward) Knowing full well that the FRB was going to tinker with the rates down the road, they locked an unsuspecting public into mortgages that not only extended the amount of time they are paying for it, but ultimately added on thousands and thousands of additional interest, some of these folks have had adjusted interest to the point that they loose the house to foreclosure.

The increase in base gas prices has driven the cost of everything up, allowing less spend able income to through at interest.

The bottom line is who is this effecting? FAMILIES who are working themselves to the bone and loosing their homes, which is only going to mean more troubles later as they go into later life with no equity, forced to rely on a social security system that is far from adequate and less than appropriate. What I am getting to, is these couple of points here and there the FRB threw at the public knowing darn good and well that the 5 year readjustment period for the refinancing mortgages coming up was, well, dare I say it would have taken forethought, and therefore malice against the poor, to intentionally put huge amounts of property back on the market for far less than inflated values, only to get them financed with some other person, just compounding the interest that is being made from the suffering of the hard working Americans.

THANKS CONGRESS FOR NOT CARING!!! Congress is so wrapped up in foreign affairs (which is the presidents job) that they are completely ignoring a domestic crisis. Too busy running for office I imagine…

Personally, I think interest should be made illegal, and that would be the end of it.

What do you think?

Open Question: Need Advice, how many people pay 2 car payments??


I have a car payment of 347 on a 2007 Mazda 6, but will refinance for 300 a month real soon.
My other car is a 95 Ford Taurus., with no car payment.

I live in colorado and having a 4x4 SUV is very smart so is it safe to add another car payment to get an SUV.

I make about 3000 a month. with no credit card debt.
Please list how much you pay per month if you have two car payments? I need to cars cause im married, but

3000 a month after taxes
I pay 550 for rent
Im not sure how you could get a decent SUV for 3000, and saving up to pay a car in full is not feasible for me. It would take two or three years. Just wanted to note that I am refinancing to get a lower interest rate.

8.99% to 6.5%

Open Question: when is the right time refinance a vehicle?

Our house payment has increased by $900 and one of the family members has lost job, so most likely we'll have to go with a foreclosure (no equity for refinance). Anyways we have been talking to some loan officers/realtors and they said that "short-sale" is one of the options to can take to save our credit and avoid foreclosure. Taking their advice, I called several companies who had "We Buy Houses" ad on the road sides and their offers seemed too good to be true, saying that they will offer 5 months rent for free if we agree to let them buy our house in short sale. This obviously seems like a scam. So I just wanted to know what is the "correct" procedure to go with a short -sale and what things should be avoided ?

( 2nd Option)
Moreover, we are also thinking about doing a "quit-claim" and transfering the property title to only one family member. However, our loan had several co-borrowers so we were wondering if doing a quit-claim save the rest of the families credit ? Joshua W (Or anyone who had opted for short-sale ) can you tell me which company helped you out ? email me: niceboi916@yahoo.com We called the lender today and they said they absolutely can't do anything. Their "advice" was to get another job(i already have 2 jobs), take and make a 15 year old work under the table. The agent was of no help !!!

Open Question: should refinance a $13,500 Line of Credit currently at 7.49% to a fixed interest loan?


Monthly payments are $346, including a $130 PPI, should I also cancel PPI?
more...



Open Question: need to get out of my house?


I've lived in my house 11 years and the payments just keep rising. started at 700.00 a month now over 1000.00 and now about 700.00 is going to interest and so little to principal. I have to pay so much I just cant afford the repairs. How can I get out of this. I've tried refinancing but now since payments are so high I've been late, but have always made my payments. My credit isn't great and don't want to continue to pay this much on a house that I can't afford to repair. Any suggestions???

Open Question: Does PMI ever come off a mortgage? if so when and how does it change the payments..automatically?


im very new to the PMI and i want to know how long i would have to pay for it. we can only put 10% down so I know we're stuck with it, but is it for the life of the loan or could I refinance? If i refinanced would i have a new PMI anyway though? HELP very new to all of this?

Open Question: when is the right time refinance a vehicle?


is it possible to refinance (possible get a lower rate) and get a shorter lease term ? am i going to lose money that way?
more...

Open Question: How do I find the value of a 1963 Studebaker Lark?

so my boyfriend financed a car for me and the dealership explained that after the registration came in, we could simply add my name to the title with no problems. DMV said its not possible I would have to be on the original sales contract. I have no job and poor credit. I sold my car in order to get this car. My boyfriend is making the payments however he has his own vehicle and got this vehicle for me. What are my options at this point? If i refinance now wouldnt they deny me because of poor credit? Is it the dealerships fault for lying to us and do we have legal grounds against them?

Open Question: How to get ur name off mortgage witout waiting for refiancing?


im currently living wit a brother and brought a house, it has been 10 month since november we live here and he is the first owner to this house, im the 2nd owner wit no credit but a steady job. me n my bf been payin fo this house but my brother havent put a dime in this house but he say he willing to keep this house to himself, which we willing to give it to him aslong as my name is off mortgage, we cant wait till refinancing to get my name off, we dont want any money back or any share of this property, he can take it all but aslong is, im taking off my name off mortgage. recently, he refuse to accept it because he still want me n my bf to pay it off while he not putting nuttin n he want this house to himself, we even call mortgage lender, she also say even if im a cobuyer(2nd owner) i dont have enought credit to refiance to get off mortgage only my brother can, but he wont agree to let us go even when he say he want this house. is there anyway out instead of being trap? And Wat if we cant afford the house TILL refinancing??

Open Question: FHA has permitted what kind of refinances on insured mortgages since the early 1980's?


FHA has permitted what kind of refinances on insured mortgages since the early 1980's?
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Open Question: How do I find the value of a 1963 Studebaker Lark?


I am refinancing my house and need some kind of documentation on the value of my 63 Studebaker Lark to use as an asset.
I know I cannot look on Kelly Blue Book...any suggestions on where to find this information?
Thank you & 10 points for best answer!

Friday, September 07, 2007

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