Resolved Question: where can i get copys of old w2 forms?

My dad can no longer pay for his mortgage. The house and loan is under his name. Can I refinance and switch the house under my name?
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Voting Question: For a mortgage, how do you know when to pay points and when not to?

I want to refinance to lower my monthly outgoing - I would have to purchase points to get around the interest rate I currently have or lower. When does it make sense to pay the points and when is it inadvisable?

Voting Question: What amount gets refinanced when you get a vehicle refinanced?

I purchased a vehicle last July and financed $21000 for 72 months at around 15% interest. This means that I will eventaully owe the bank around $31000. I have paid the loan down to $25000. If I get the vehicle refinanced, is the amount getting refinanced the $25000 or the original $21000.

Voting Question: Refinance my mortgage loan after 6 months?

I was told by Quicken Loans that I would be able to refinance my 30 yr loan 6 months after I get it.Could this be something bad? It seems too good to be true since most lenders make you wait more. Any one know of any consequences?

Resolved Question: free mortgage quote rate refinance?

where can i SAFELY get refinance quotes online?
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Resolved Question: where can i get copys of old w2 forms?

i am trying to refinance my home and i need 2 years worth of w2 and tax info.. i have looked all over and i can't find any of my old paperwork!!! how can i go about getting copys or finding replacement info??

Resolved Question: Selling my house - Can I refinance at the same time?

does anyone know, if you refinance your mortgage, and take $ out, if ou end up with less than 80% equity after taking out $, do you have to pay PMI? We have 22% equity in our house, but want to refi to pay off some things, and if we do, we'll have less than 20%. ????

Voting Question: free home loan mortgage quote refinance?

do these online companies give legitimate quotes or is it just a scam?
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Voting Question: Repercussions of foreclosure?

we are upside down in our current home and even bringing in money havn't been able to refinance we were told to walk away, putting money down on a new house would be easier, what would the repercussions be?
Suzeq34

Voting Question: Has anyone gotten, or know how, to reduce there mortgage for no reason?

All these people with the bad loans are getting them restructured for better deals because they cant afford their monthly payments. Is there a way to do this even if you are not having a problem making your mothly payment? Refinancing isnt an option since the price of my house is down from where I bought it. Should I got buy a car so that I cant afford my house payment and get a better deal? Most places wont re-finance since I owe more than the house is worth.

Resolved Question: Selling my house - Can I refinance at the same time?

We put our house on the market a few months ago - no offers yet. We have since found a new house in another area (we have to move there for work). I would like to refinance our current house to lower the payments because paying two mortgages is not fun. Can I refi if our house is on the market? Any suggestion as to lenders who do this? We have excellent credit - just want to save some money during our transition until the current house sells. Thanks.

Resolved Question: Yahoo's weather page; is this ad annoying or what?

Say, for the sake of arguement, that I currently have a mortgage for 100K. I heard that I can refinance my home (at whatever the current market interest rate is, which just happens to be lower then what I'm currently at) and instead of simply refinancing and continuing with a 100K mortgage, I can instead take out a 150K mortgage. I would then essentially have 50K profit to turn around and make improvement on my house or otherwise pay other debts.
Is this true? Any info would be helpful, seems too good to be true because I'm getting ready to refinance anyway and if I could knock out a few home improvements and pay of some debts and just end up paying an extra ~$100 more a month for my mortgage, that would be great.

Voting Question: Does anyone have legal advice regarding a land contract and subsequent warranty deed?

In 1985, my grandmother, father and stepmother bought a house under a land contract which stipulated that it was a joint tenancy with full rights to survivors. In 1992, that page was amended because they refinanced the property to get a lower interest rate. The jt. tenancy language was omitted (probably by error). In Nov. 1993, they got a warranty deed on the property, and the deed was silent, creating a tenants in common situation. In Dec. 1993, my grandmother created a will leaving her 50 percent interest in the property to me. She died this year and I executed her will. Now father and step-mother are protesting saying that the tenants in common situation was a mistake and are threatening legal action to reform the 1993 deed to a jt. tenancy situation, thus taking me out of the picture. Can they do that?

Voting Question: mortagage refinancing?

Divorced wife wants to be off the loan to avoid " my destroy of her credit if I don't pay the loan " I was forced to give up a 4.8% loan. Can I circumvent this problem ?
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Resolved Question: Yahoo's weather page; is this ad annoying or what?

http://weather.yahoo.com/forecast/

Do youy get the same refinancing ad with the chick that looks like a hooker?
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Open Question: Refinance. How long should the process take?

What happens if we go into forclosure with the possible loss the lenders take / housing slump these units in this complex 1 bedrooms now go for 129,000. We cant even sell it to recoup.
1bedrooms are hard to sell. We cant afford the mortgage unless we get debt consolidation and so far we havent found a lender that would even consider refinancing a home that is already loosing 30k in value.
Can we be sued for the 30k loss ? What if they garnish wage for rest of husbands life of working? and we cant afford to live anywhere with money being garnished.. Im the wife i dont work i dont have a car, is it better to pay all our credit card bills and let it forclose or keep tryin to get someone to refinance with debt consolidating? if i had a car i could look for work but not with one car impossible for us. heard that lenders can sue for deficeit balance. How can they get blood from a turnip? I might add that I can not take a bus i am slightly handicapped and health reasons i cant walk far bad ankle injury, bad back. so walking is not an option.
If they sue us, for the loss, and we cannot file bankruptcy after the foreclosure due to we had a bankruptcy 9 yrs ago. then i guess we just suffer not owning a home. I am perfectly happy with renting again having worried to death about where money will come from never have had a problem as a renter paid excellent rental payments.
Only thing i could think is the loan is completely in his name. I am not even on the title of the loan tho i am married to him. Since i havent worked in 7yrs due to health issues, i am unsure if it damages my credit as well. Anyone? oh ya and cant rent it out for the amount of the mortgage LOL / i think they saw us coming.
1400.00 a month for a condo mortgage .. 1 bed 1 bath.. you wont get more then 800 a month if that for rent, so no point in renting and paying someones rent of the other 500 a month wed not be able to afford to live period easiest thing would be to get the debt consolidation loan then we could pay the mortgage.. but doubtful anyone will give us debt consolidation. thanks for the info thus far
.. i will not let bad credit bother me my life isnt over / been there had bankruptcy before life was not bad. I

Open Question: investing in multi-family houses to rent them out...suggestion and advice please?

I met a man one day that made 17k a month from his 21 propeties he own he is 29 and live off his houses....I want to be like that but I will still work.

so what can I do with 60k in Lehigh valley Allentown PA? the multi family houses are roughly 160-200k and I want to start owning houses and be like that man...unfortunately he did not want to give me any advice...said learn the hard way like me.

anyway what can I do with 60k I have from working these past 2 years in terms of investing...I have a 721 credit

so I'm thiking about giving a 10% down on 3 apartments which should be like 55k and the houses should pay for them selfs and bring me from 500-1000 dollars a month each then some months later refinance all 3 for 6k each and buy a 4th and so on.

whats your opinion?

thanks

Resolved Question: Tax Impact of Cash-Out Refinancing?

I did a "cash-out refinancing" my home several months ago. What is the tax impact on the cash that I received (if any impact at all)?
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Open Question: Refinance. How long should the process take?

I began the process on September 20th and did have to fax in a few things to clear up some credit reporting questions. The appraisal was done about 3 weeks ago but my loan officer with countrywide always says he is waiting for the underwriter. What should I do?

Open Question: Refinancing / Selling with HOA suit in progress.?

Do I have to spend the money in year 2007? Because the government will use year 2008 tax return to determine a family’s financial capability. Most of my money is in high interest rate CD and will mature in year 2008. I want to collect the interests in year 2008; then put them into my mortgage as principal. I have not thought to refinance my mortgage yet. I do not know should I continue to benefit the current low rate mortgage, which I can save more and wait to see what will happen in year 2010 (the time, either mortgage rate goes very high, I have to refinance or the mortgage rate is OK, I stay in my current mortgage agreement. It is a gambling), or refinance now. Is getting a loan for my daughter’s college education a good idea? I hate to borrow money in general. I might change job after my daughter goes to college. That means I might have to change location and sell the house. But truly I do not what will happen in the future several years.

reminder: "I have a 5/1 ARM mortgage..

Resolved Question: If I want to increase my home mortgage payment, do I need to refinance?

Let's say my Countrywide home loan term is 20yrs, $1000 a month with fixed interest rate 6.5%. What's the bad/good if I decide to double my monthly payment?
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Open Question: How can I obtain statistics regarding #'s of refinances in California and other mortgage related stats in CA?

I am looking for a website or some other avenue for retrieving statistical information regarding the number of home loans set to adjust in California in 2008, Number of loan origination is California in 2007, Number of purchases in CA in 2007, etc... If anyone knows of an easy way to find this info please let me know. THANKS!!!!!

Open Question: Is it possible to refinance your mortgage or get a home equity loan if you have been in your house for 6 month

I want to see if I can lower my monthly payments.
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Open Question: Refinancing / Selling with HOA suit in progress.?

I am currently in a situation where my HOA is suing the contractor that upgraded my condos. I am needing to either sell or refi or I will be forced to forclose. Ive tried to refinance but lendors will not accept me due to that major factor. Can I put in a civil suit to the contractor or other type of suit I can do so If i do loose my home or so that it doesnt affect my credit or loose out on the fees for forclosure ( attorney fees, late fees, capital gains taxes ). Any one have any suggestions or ideas?

Open Question: How long do you need to wait before you can refinance your home?

I live in Oklahoma (if that matters). Does anyone know what the average closing costs would be to refinance a 109K Mortgage? Can you finance the closing costs into the loan?
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Open Question: New home Mortgage and refinancing?

My builder will pay my 5K or so closing costs if I use their mortgage company. Well, come to find out (6th months ago is why I got my first quote) the company is charging a pretty high interest rate.

Since they are paying my closing costs if I use them, could I refinance the house, let say in 6 months to a year, to another better company?

Open Question: how soon should I start shopping around to refinance my home? I have a 2yr interest only and it's up in March

I'm not sure whether there will be any cost involved in the refinancing, but I was told it has to be done otherwise the payments will increase significantly...please advise!!!

Open Question: How long do you need to wait before you can refinance your home?

I bought my first home in Aug of this year. My mortgage is $1300.00 I can afford it with my bf who is not owner of the property. Unfortunately things didn't work out and I'm on my own and have to work 2 jobs. I was wondering more or less when can I refinance and if I do would it be a big difference or to make a difference what interest rate should I be looking at. My interest rate is a fixed rate 7.125 %. Please advice... I am not interested in renting or selling unless its necessary...I am only interested in refinancing to lower my mortgage payments I am not interested in getting money back. Thanks! The property is under my name only.

Open Question: What are the differences between a 30, 40 and 50 year mortgages?

I am a resident of Texas and getting a divorce. Everything just happened yesterday so still in the begining stages. However, my father cosigner for a vehicle that is also in my wife's name (soon to be ex-wife). My name is not associated with this vehicle. My wife is the borrower and my father is the cosigner. Is there any way to get my father released from this auto loan based on us getting a divorce? I can't afford to take the car away and don't plan to try and take the vehicle. My wife would not purposely skip out on payments but I don't want my parent remaining connected to an ex-wives account. We are giong to try and get it refinanced just under her name but her credit is not great and I doubt she would get approved by herself. What if she doesn't have someone to cosign for the refinance? Is my dad just stuck with this loan?

Open Question: how do i sell a car when I still owe money on it.?

I owe about 8k on my acura and its worth around 17k. I am financing with capitalone blank check program. If i want to sell my car before i pay it off, does the buyer send capitalone the whole amount or just the amount that i owe? will they send me a difference?


heres the situation, I have an acura that i love to death but dread the color. I will be buying the same car except in a different color from another buyer. But before I buy it, I want to sell the current one but I still owe money to capital one. So im just wondering if anyone has had any experience with it. Maybe I should just refinance with a local bank so that the local bank can take care of it huh. hmmm

Open Question: What are the differences between a 30, 40 and 50 year mortgages?

I want to refinance my home for a 40 or 45 year mortgage. What are the avantages and disavantages of this type of mortgages?
Thanks
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Open Question: Getting out of high interest credit card debt......?

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Open Question: If my business has equity in it Can I take cash out if I refinance?

Is it the same as home equity or are the other specifcations?
Can I use the money for personal use or would I have to put it into the business?
Can I use that money to put a down payment on another business?
Thank You

Open Question: Did you refi your house and use the proceeds to buy your Harley?

Or did you finance one? About 80% of the guys I know with Harleys used the cash out from a home refinance towards the purchase of their Harley. It seems like such a solid investment idea. Plus not many people have $20k + just sitting around to buy one. It could be one of the reasons Harley stock has done so well over the last 10 years.

Resolved Question: Is it a good idea to refinance my mortgage?

I'm in financial ruin and I think my only and last option is to refinance my home loan. I need the extra money to catch up on bills after changing jobs and unexpected medical expenses. (I didn't have insurance for 6 months from changing jobs and then I was sick and had big bills) I am about to lose my home if I don't do something quick. I believe I've exhausted all other options. You opionion and ideas would be great. Thanks

Open Question: Getting out of high interest credit card debt......?

We have a high balance on some high interest rate credit cards. We own our home...I am wondering if there is any tips or info on refinancing and including our credit card debt into the refinance or debt consolidation. I don't know much about it. How much is normal to be charged for these things? What is a good trustworhy business to go through? What are my options? Am I just going to get myself into deeper debt?

Open Question: i need refinance my credit cards..do you know any good place???

My wife and I have owned our house for about 5 1/2 years, but we refinanced about 2 years ago. The terms of our loan are really good for us (30yr fixed 6.5%).

However, this year has been terrible for us financially. My wife's income fell by about $20,000 annually, and then we had some friends in a very bad car accident in which some of their family died, and we helped out financially. Then my son needed massive dental work. Then we had more medical expenses. Then the water heater exploded. And so on...

So, we have fallen behind on our credit card bills. The car payments and mortgage still have perfect payment history, but the credit cards are a wreck. And, since we were barely getting by to start with, we have no prospect of getting them caught up any time soon. So our credit sucks now...

Now, my work is moving me about 400 miles away. I don't think we'll be able to get a new mortgage to buy another house, but we don't want to have to go back to renting.

What should we do?

Open Question: Need some good advice!!!?

I had some money problems....(lost my job) and ended up almost getting my house foreclosed on. I now got myself back up on my feet and prevented it from foreclosing on, but now my payments are horendous!! I cannot afford them.....so the question is....what can I do?? I have bad credit...so getting a refinance is difficult. Any ideas of how I can lower my payments, or get out of this mess??

Open Question: Refinance auto loan with us bank/cars inc.?

has anyone ever refianced their auto loan with this company? cars inc. who uses us bank to refi your car loan. it says i may be able to lower my apr% to as low as 5.99% and lower my monthly payments. please check out the web site and let me know what you think if you have never heard of them, or let me know what i should do. my current loan is is w/chase is 10.14% and 539.41 monthly payments for 6yrs (72months). www.autorefi.com if i refinance it will they need to also check my income? beacause when i got the loan the guys really wanted to get us the loan so they used my credit with myhusbands income. i dont think another comany will do the same. also i got the loan in may 07 for a 07 car.

Open Question: i need refinance my credit cards..do you know any good place???

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Open Question: i need to refinance my auto-due to my current lender my credit scores under520.they screwed me bytheir mistake

before they refinanced their house this year, the property was included in with the mortage payment.. now it is seperate.. why is that ? and is it better in the long run?
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Resolved Question: I bought a house last May. My mortgage is fixed for 5 years @7.50%. Should I refinance for a better rate now?

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Open Question: Will a mortgage company refinance a loan currently in forebearance?

I've got a mortgage that is in a repayment status under a forebearance plan, but they want to modify the loan and put what I currently owe on the back of the loan. I want to know if another mortgage company will refinance me with the loan currently being behind (although payments have been made as agreed through the plan).

Thanks for your help!!!

Stressed in GA...

Open Question: i need to refinance my auto-due to my current lender my credit scores under520.they screwed me bytheir mistake

my current lender is wells fargo bank [bad bank]i have a car loan thru them.i had made a over pay at the beginning of year. And was told i didnt need to make another payment till a couple months down the road,so i didnt i guess they just did an audit and say i owe them for it now and they are trying to say im five mths past due-but the statement i just recieved says i owe for nov and dec payments coming up...they told me to disregard it-i need to find help from someone to help me get out of this bank and refinanced...

Open Question: Refinance - Web Closing?

Almost two years ago, I, like so many others, refinanced my mortgage with a two year ARM. The deadline is rapidly approaching that they ARM will BLOW UP and I am now upside down on my home. Are there any assistance programs or lenders who help someone in a mess like this? Please help! Almost two years ago, I, like so many others, refinanced my mortgage with a two year ARM AND rolled in my credit card debt. No problem, everyone said...your home will increase in value and in two years you refinance. The deadline is rapidly approaching that they ARM will BLOW UP...I am already upside down on my home because of the way the bubble burst (i live in an area that has always increased in value until recently). Are there any assistance programs or lenders who help someone in a mess like this? Please help! I should add that when I refinanced my mortgage with a two year ARM I rolled in my credit card debt borrowing more than the value on my home. No problem, everyone said...your home will increase in value and in two years you refinance. Sooo...I am already upside down on my home because of the way the bubble burst (i live in an area that has always increased in value until recently) and facing an increase in payments because of the ARM.

Resolved Question: How many credit cards do you currently have?

I just finished consolidating all of my revolving debt into one single account. So, instead of the ~10 credit cards I used to have, now all of that debt has been refinanced into one account at a much lower interest rate. AND, my credit score should improve! WOOOHOOOO!

So, how many credit cards do you currently have?

Open Question: Refinance - Web Closing?

I am about to refinance my mortgage with one of the biggest banks in the country. Interest rate is great. Closing fee is very minimal. They told me, I can do web closing or go to any of the branches. For web closing, I will have to give the closing company (an affiliate of the bank), the Power of Attorney and some body from the closing company will sign on my behalf. I will have to login at a scheduled time and some one from the closing company will walk me thru each of the document.

I have never heard about this. Has anyone heard anything like this?