Submitted by sltt91 on Fri, 11/23/2012 - 11:33
refinancing with high DTI
refinancing with high DTI
Any advice on refinancing a mortgage to lower mortgage payment and pay off credit card bills? A recent experience with my bank handling the loan didn't turn out positive. I was told by the mortgage officer i qualified to refinance my current loan, at the time, $352,000, 30 years fix, at 3.875%, 60 day lock. By the end of appraisal, and all papers submitted, the appraisal came back to $422,000, the loan amount went up to $355,000, with a letter from the bank stating I didn't qualify. That was 2 months ago. Now it looks like interest rates dropped even more and home values in my area are up a bit.
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1
Stop using multiple credit cards and transfer all the balances from high interest cards to a zero-interest card or low interest card. Moreover, avoid spending beyond your means.
In case of refinance, get a fresh home appraisal done and shop around in the local market for better terms and conditions.
1
Sltt9;
Your best bet is to go with a national bank which would usually have more experience with complicated scenarios. I would be happy to pre-qualify you and go over your options.
Best Regards;
Dmitriy Bleynis
Regional Sales Manager
Residential Mortgage Division
STERLING NATIONAL BANK
31 W 27 Street - 7th floor
New York City , NY 10001
O: 212-575-3423
F: 516-918-5390
dbleynis@snb.com
NMLS #15291
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You might even opt for a cash-out refinance where you take out a new refinance loan amont that equals to the amount that you owe on your first mortgage and the amount you owe on your credit cards.
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http://www.dhgate.com/store/category/shinken-katana/20303716-1a6d4b59273... title="shinken katana">shinken katana
1
Just as described. Super quick shipping and well packed. Thank you
Wakizashi Blade http://www.dhgate.com/store/category/wakizashi-swords/20303716-58033e050...
http://www.dhgate.com/store/category/wakizashi-swords/20303716-58033e050... title="Wakizashi Blade">Wakizashi Blade
1
tr猫s satisfait
battle ready samurai swords http://www.dhgate.com/store/product/high-carbon-steel-japanese-samurai-b...
http://www.dhgate.com/store/product/high-carbon-steel-japanese-samurai-b... title="battle ready samurai swords">battle ready samurai swords
1
Item as described. Timely shipping.
samurai swords for sale http://www.dhgate.com/store/product/41-quot-handmade-japanese-samurai-ni...
http://www.dhgate.com/store/product/41-quot-handmade-japanese-samurai-ni... title="samurai swords for sale">samurai swords for sale
1
RECEIVED VERY QUICKLY AND AS DESCRIBED THANK YOU!!!
katana Swords http://www.dhgate.com/store/product/japanese-classical-polishing-clay-te...
http://www.dhgate.com/store/product/japanese-classical-polishing-clay-te... title="katana Swords">katana Swords
1
Thank you! I love it!
Samurai Katana http://www.dhgate.com/store/product/1060-high-carbon-steel-full-tang-bla...
http://www.dhgate.com/store/product/1060-high-carbon-steel-full-tang-bla... title="Samurai Katana">Samurai Katana