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| 25 Quick Messages | ||||
 moonjigga |
I currently live with my parents in pa and am on title for the property. I want to refinance the current mortgage that is in my father's name into my name alone. I am currently a tipped full-time employee at the same job for the last 4 years. My fico is around 700. The current mortgage is 1 month behind with about another months worth of late payments. I do not show enough on my w2 to go conventional. I would only be able to show bank statements or go stated. The current rate that we have now is 8.5 in arm that as already adjusted. Any information would be greatly appreciated | |||
anureddy007 |
am in desperate suitation. I live in california. My husband is not paying the mortgage and every month is asking me to pay the mortgage . I have been doing for an year. I am paying all the bills. I told him I want an divorce. He is threatening if I ask for an divorce he is letting the house to go into foreclosure. My name is not in mortgage or title. We bought the house after getting married as his sole property. If he let it go to foreclosure ..Can I rent the apartments ? Can I buy the house in the future ? If I buy the small place before his foreclosure is lenders coming back of me for my house since I bought the house while we were married. Please help..I am going mad thinking every day that whether I will place or not? | |||
jroberts |
Hi George... Just found this site. I have a "investment" property that I need to refinance, and I'm wondering if anybody could/would do it. My wife and I got out of school and didn't have any money to put down, so we went 100% financing (80/20) on our first house. We then had to move and didn't/couldn't sell it. Currently the loans are:40,200 at 9.875 and 172,000 at 6.5%. Home is worth between 220,000-250,000, in Douglas county, NV, depending on who you ask. We've owned it for 5 years and currently rent it out. Unfortunately, we go 700 negative cash flow every monthy. We are very responsible and pay everything on time, have great credit. Loans are with Citi, but they won't help. I'd love to refi to get some wiggle room becuase it is very tight right now. I would think someone would be able to help because we are not a risk. Do I have any options for this? | |||
laura |
My home is only worth 425k we own 300k 1st loan, 250k 2nd loan. We want to keep our home, and are actively in touch with our banks. My first mortgage with Wells Fargo 300k – is under review for a Loan Modification- ( things look promising on that end) It has a foreclosure date of JUNE 2nd, however the modification looks promising. Every rep I talk to daily tells me that Wells Fargo will modify, and if they need to they will extend the foreclosure date, until a modification is reached. This is my dilemma: My second mortgage with JP Chase ( which is a heloc) 250k was under a proposed verbal modification- , They lowered my rate by .5 point and extended the terms. I never denied nor accepted their offer. I told them I wanted to wait another week to see what my fist mortgage- Wells Fargo would do- I have been told tonight that this will now be going into the the chase home equity national recovery group . It is out of the loss mitigation department and into recovery. The loan modification offer with Chase ( my second mortgage 250k) is not an option anymore. It is now in the HOME EQUITY RECOVERY GROUP. what does this MEAN??? Will this department file a foreclosure as well?will they sue?will they want a settlement for part of the 250K??Will recovery negotiate? What are the next steps? Please help. | |||
 gmakerley |
the property is in staten island, ny; borrower works in manhattan | |||
gmakerley |
your "bad credit" loans: are they available outside the state of florida? i've got a lady in new york who has to buy out her former husband and her score is 501 (!). obviously, this'd have to be a cash out, but from her say-so there's good value. i surmise we'd be at 70-75% ltv. it's affordable for her, also, with a back ratio in the mid-to-high 30's. let me know when you can, chris. thanks. | |||
timothypaulhart |
I found out today that our mortgage was denied because my "disability" payments could not be counted as income. These payments are almost exactly the same amount as my salary, and I get them through my company's Long Term Disability program. I am still an employee and am hoping to be back to work within a few months. My question: Is this standard procedure for a mortgage company (i.e., not accepting disability as $$). It borders on discriminatory to me.Thanks for any help/info you can provice | |||
rpayne8 |
Hey Chris this is Shane Payne. I talked to you a while back. I would like too buy a house and I have just been out of BK 2 years. I faxed you my credit report. Call me when you get a chance. 740-701-4635. | |||
Louis |
Chris, it is an primary residence that I was thinking about purchasing with a gift of equity from my ex in the divorce which has been final. I have lots of equity still in the house, great credit, just don`t show enough income to bother with tax returns. Thanks, Louis. I can be reached at 205-956-4148 or my cell 205-531-0631 | |||
kcandjr416 |
plus chris, both my husband and the cosigner also work together and make an income of $25,000 each annually and we are only asking for a $50,000 loan amount. i didnt know we would have so much trouble  please help! please call! 773-990-0904 | |||
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Name: Christopher Burns
From: Florida
Occ.: Mortgage Broker Five Stars Mortgage, Llc
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