| Posts by Eric J |
| Posting date
| Subject |
Categories |
| Thu Oct 20 11:26:55 2011 |
Forget the attorney.... dont waste your money. .. |
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| Thu Oct 20 11:20:37 2011 |
A gift of equity is when you are giving someone .. |
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| Thu Oct 20 11:17:41 2011 |
You really need to verify with the most recent .. |
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| Thu Oct 20 11:10:25 2011 |
Two years is more than enough. Plus, if you were .. |
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| Fri Aug 19 3:50:33 2011 |
Probably not...especially not in .. |
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| Fri Aug 19 3:48:56 2011 |
For the most part, this forum is about US based .. |
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| Sat Feb 12 6:25:38 2011 |
You do not have to go with FHA. It will all .. |
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| Sat Feb 12 6:18:02 2011 |
No, a lender cannot charge application fees up .. |
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| Fri Oct 29 4:14:07 2010 |
Happy Halloween to the rest of you too. .. |
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| Fri Oct 22 9:25:51 2010 |
Yes...do .. |
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| Fri Oct 22 9:24:31 2010 |
Terry, I do not see anything wrong with what they .. |
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| Thu Oct 21 7:57:37 2010 |
You should just refinance the whole thing to a .. |
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| Thu Oct 21 5:26:06 2010 |
absolutely NOT! In addition to what Sussane has .. |
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| Thu Oct 21 5:23:06 2010 |
You need to keep looking for a lender who will .. |
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| Wed Oct 20 5:12:04 2010 |
Yes, there are some lenders who will allow an FHA .. |
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| Wed Oct 20 5:10:38 2010 |
Wow that is a lot. The DU Refi Plus program helps .. |
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| Wed Oct 20 5:06:20 2010 |
Check with your attorney. I hope you are using an .. |
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| Wed Oct 20 5:00:30 2010 |
Your best option (if you qualify) when your home .. |
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| Mon Oct 18 7:13:58 2010 |
It is absolutely NOT legal to charge for a GFE. I .. |
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| Mon Oct 18 11:58:38 2010 |
Yes, if you could reduce your rate by 3%, then it .. |
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| Mon Oct 18 11:56:01 2010 |
Yes, I would pay off the second and refinance the .. |
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| Mon Oct 11 9:15:37 2010 |
In NJ, there are a couple of lenders who will do .. |
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| Mon Oct 11 9:08:14 2010 |
I would like to say that closing costs will be .. |
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| Mon Oct 11 9:04:12 2010 |
That is exactly why I speak with my customers and .. |
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| Mon Oct 11 8:49:15 2010 |
The important feature of the DU Refi Plus program .. |
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| Mon Oct 11 8:28:19 2010 |
Ted, I wish all banks would do the deal up to .. |
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| Mon Oct 11 8:22:06 2010 |
You should just check with one of the qualified .. |
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| Mon Oct 11 8:19:27 2010 |
This may be extremely difficult for you. There .. |
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| Mon Oct 11 8:15:05 2010 |
Your question was answered here before.... .. |
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| Mon Oct 11 6:37:18 2010 |
If your loan is currently recognized by Fannie .. |
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| Mon Oct 11 6:32:15 2010 |
If you do not need his income, then you do not .. |
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| Mon Oct 11 12:41:40 2010 |
You may be able to qualify for the DU Refi Plus .. |
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| Mon Oct 11 12:11:57 2010 |
You will pay the taxes and insurance because YOU .. |
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| Mon Oct 11 12:07:23 2010 |
It is legal to deny the loan and it is a legit .. |
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| Sat Oct 9 3:05:21 2010 |
Yes if you qualify for the DU Refi Plus program .. |
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| Sun Oct 3 5:01:53 2010 |
neonext,
Pay very little attention to DIPA. .. |
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| Sun Oct 3 4:50:57 2010 |
Guest, my guess is that it would not make sense .. |
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| Sun Oct 3 4:48:31 2010 |
Charge off means the lender wrote off any unpaid .. |
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| Sun Oct 3 4:44:55 2010 |
Guest, sorry for the incorrect answer that DIPA .. |
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| Sat Oct 2 6:46:17 2010 |
Well, if you tell them you got laid off, you will .. |
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| Fri Oct 1 9:27:37 2010 |
First, you have to know how much she wants to .. |
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| Thu Sep 30 7:55:47 2010 |
It really depends upon the lender. Sometimes the .. |
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| Thu Sep 30 7:52:26 2010 |
Basically yes which is why you do not need an .. |
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| Thu Sep 30 7:49:27 2010 |
Just check with one of the lenders here on this .. |
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| Thu Sep 30 7:42:53 2010 |
You can only have ONE primary residence and would .. |
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| Tue Sep 28 10:06:39 2010 |
It all depends upon whether the new bank will .. |
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| Tue Sep 28 10:05:09 2010 |
Let me answer this properly...
Hard money .. |
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| Tue Sep 28 10:02:27 2010 |
It will all depend on whether the numbers work .. |
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| Tue Sep 28 10:01:11 2010 |
I would recommend renting until you are back on .. |
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| Sun Sep 26 3:31:15 2010 |
Yes, if she can qualify on her own (her own .. |
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| Sun Sep 26 3:29:19 2010 |
If I were you, I would try to refinance the whole .. |
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| Sun Sep 26 3:27:22 2010 |
Your closing costs (excluding pre-paid items) .. |
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| Sun Sep 26 2:52:35 2010 |
At this point, Obama does NOT want the economy to .. |
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| Sun Sep 26 2:44:27 2010 |
No you do not have to be delinguent however the .. |
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| Sat Sep 25 8:12:40 2010 |
They will not go back and check but I hope you .. |
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| Sat Sep 25 8:09:09 2010 |
Jen, you are not stuck. 31% DTI is well within .. |
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| Sat Sep 25 7:09:32 2010 |
If you are asking about a list of closing costs, .. |
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| Sat Sep 25 7:07:25 2010 |
May44
If you find someone who will refinance .. |
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| Fri Sep 24 8:42:20 2010 |
Sure you can. No reason why not as long as you .. |
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| Fri Sep 24 8:39:58 2010 |
Yes you can qualify for a loan with that score. .. |
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| Fri Aug 20 10:00:19 2010 |
dileo, I think you also sent me a private .. |
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| Wed Aug 18 9:22:17 2010 |
I would contact your bank and ask them about a .. |
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| Wed Aug 18 8:24:13 2010 |
John, based upon your scenario that rate is fair. .. |
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| Wed Aug 18 7:44:30 2010 |
ok here is a downside....
In many instances, .. |
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| Fri Aug 13 5:07:32 2010 |
No, because you are selling the home and the loan .. |
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| Thu Aug 12 9:45:54 2010 |
If you are looking for a - There are quite a few .. |
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| Thu Aug 12 8:22:50 2010 |
DIPA is incorrect. This is not flipping.
When .. |
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| Wed Aug 11 8:24:27 2010 |
I agree, the points are too high. refinancing for .. |
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| Wed Aug 11 8:22:30 2010 |
Yes you have to pay. Right before you close on .. |
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| Wed Aug 11 8:20:47 2010 |
You will not lose your house unless you stop .. |
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| Wed Aug 11 8:19:30 2010 |
Each bank will have different guidelines as to .. |
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| Sun Aug 8 7:09:59 2010 |
I thought since this was the Personal Finance .. |
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| Sun Aug 8 6:36:05 2010 |
You are going to have problems finding a lender. .. |
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| Thu Aug 5 5:17:43 2010 |
Frank, I am afraid that NOW the last lender has .. |
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| Thu Aug 5 5:17:35 2010 |
Frank, I am afraid that NOW the last lender has .. |
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| Mon Aug 2 6:14:17 2010 |
The balance is not the issue. You need to look at .. |
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| Mon Aug 2 6:12:42 2010 |
If the loan already closed, then I would keep .. |
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| Sun Aug 1 7:26:13 2010 |
Yes it can as long as it meets all of the .. |
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| Sun Aug 1 7:25:02 2010 |
Any bank that will lend commercially. As long as .. |
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| Sat Jul 3 7:43:59 2010 |
Yes, he can. I am in NJ and have helped people .. |
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| Sat Jul 3 7:42:01 2010 |
There are some banks that will work with you and .. |
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| Thu Jun 17 2:29:58 2010 |
There are banks who will refinance a loan into an .. |
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| Thu Jun 17 2:28:42 2010 |
There ARE lenders who will still do stated income .. |
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| Thu Jun 17 2:27:03 2010 |
Yes there are a few lenders who will do this in .. |
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| Thu Jun 17 2:24:07 2010 |
Some banks will allow you to convert your loan to .. |
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| Thu Jun 17 2:14:29 2010 |
sign up for what You are not going to get anyone .. |
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| Thu Jun 17 2:13:36 2010 |
Check to see if you qualify for the DU Refi Plus .. |
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| Thu Jun 17 2:12:13 2010 |
Jeannie, I am sorry to hear about your tragic .. |
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| Thu Jun 17 9:29:30 2010 |
Marie,
There are some banks who are particular .. |
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| Mon May 3 5:23:08 2010 |
Unfortunately, the banking dept only sends stern .. |
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| Mon May 3 5:20:00 2010 |
Dianne, yes there are lenders who will do stated .. |
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| Wed Apr 14 5:29:11 2010 |
Try a local .. |
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| Tue Apr 13 4:21:33 2010 |
troli
LPMI will also result in a higher .. |
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| Tue Apr 13 4:15:24 2010 |
You have no .. |
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| Tue Apr 13 4:12:59 2010 |
Just have your realtor write up a sales contract .. |
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| Wed Mar 31 3:39:28 2010 |
Every bank has different guidelines. I would try .. |
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| Sat Mar 27 8:07:51 2010 |
No, the co-signer will not help your credit .. |
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| Sat Mar 27 8:06:37 2010 |
The DU approval is a good thing. If the late .. |
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| Sat Mar 27 8:04:53 2010 |
no idea and you will probably not get an answer .. |
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| Sat Mar 27 8:03:40 2010 |
The difference is the cash out refinance terms .. |
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| Thu Mar 25 7:55:08 2010 |
Your best bet is to make an immediate payment. .. |
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| Thu Mar 25 6:59:46 2010 |
Who is offering you a 23 year loan and what is .. |
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| Sun Mar 14 2:25:43 2010 |
Yes, he can get a refinance and cash out with a .. |
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| Sun Mar 14 2:23:43 2010 |
Not to talk about .. |
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| Sun Mar 14 1:09:46 2010 |
It may be, you should discuss this option with .. |
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| Sun Mar 14 1:09:04 2010 |
No, a mortgage will just add to your debt .. |
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| Sun Mar 14 1:07:32 2010 |
Just check with one of the qualified loan .. |
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| Sat Mar 13 5:12:00 2010 |
There are stated income loans but not aware of .. |
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| Sat Mar 13 4:12:50 2010 |
That is great. Let me know which bank is allowing .. |
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| Sat Mar 13 4:10:57 2010 |
Everything mentioned above is not entirely .. |
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| Sat Mar 13 4:07:08 2010 |
If you are putting 50% down, then you would not .. |
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| Sat Mar 13 4:05:16 2010 |
Jody, according to the bank you are not. However, .. |
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| Sat Mar 13 1:05:57 2010 |
Tell him you will give him 1%...$2000 but only if .. |
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| Sat Mar 13 1:04:31 2010 |
I really all depends upon what documents you .. |
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| Sat Mar 13 12:59:32 2010 |
you dont HAVE TO show all of your accounts. You .. |
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| Wed Mar 10 9:02:03 2010 |
If the loan is in his name and not yours, then .. |
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| Wed Mar 10 9:00:06 2010 |
As you add more mortgages, your back end DTI .. |
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| Wed Mar 10 8:58:04 2010 |
Yes, depending upon where you are located...you .. |
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| Tue Mar 9 10:51:13 2010 |
Not sure about them, but there are lenders that .. |
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| Tue Mar 9 9:56:05 2010 |
Your credit will be checked. They may not require .. |
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| Tue Mar 9 9:53:34 2010 |
If these people are our future, I am going to .. |
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| Tue Mar 9 9:30:12 2010 |
Chris, answer these questions please...
Gross .. |
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| Sun Mar 7 7:17:10 2010 |
If she can make the payments, then she should .. |
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| Thu Mar 4 7:05:10 2010 |
Lets see how many people they actually help. All .. |
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| Wed Mar 3 6:06:53 2010 |
There are lenders doing it in CA but like Theo .. |
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| Tue Mar 2 8:27:55 2010 |
I believe they have about 45 days to return any .. |
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| Mon Mar 1 5:20:03 2010 |
Every bank is different. Those larger banks are .. |
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| Mon Mar 1 5:16:20 2010 |
I agree, an FHA mortgage may work for .. |
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| Sun Feb 28 2:30:16 2010 |
Lenders want to bank that escrow money. They also .. |
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| Sun Feb 28 1:44:54 2010 |
I think the issue is that you would only be the .. |
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| Sun Feb 28 1:39:17 2010 |
That is crazy. The rent is helping you to make .. |
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| Sun Feb 28 1:38:12 2010 |
Typically, the higher the score the better off .. |
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| Sat Feb 27 8:59:55 2010 |
Joe, some of that was very funny. Everything is .. |
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| Fri Feb 26 9:59:26 2010 |
There is really no way to know. There could be a .. |
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| Fri Feb 26 10:03:56 2010 |
There are a few that will go even lower than 580 .. |
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| Fri Feb 26 10:00:09 2010 |
I think that an FHA LOAN is the best way for you .. |
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| Fri Feb 26 9:58:34 2010 |
You can do it on a refinance but not a purchase. .. |
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| Fri Feb 26 4:47:15 2010 |
If you plan on renting your current home, then .. |
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| Thu Feb 25 6:11:13 2010 |
I agree that a reverse mortgage is probably the .. |
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| Wed Feb 24 6:36:48 2010 |
Super Jumbo Stated Income Loans still do exist. I .. |
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| Mon Feb 22 7:21:05 2010 |
You can get an FHA loan with scores much lower .. |
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| Mon Feb 22 7:11:59 2010 |
Where is it do you want to sell .. |
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| Mon Feb 22 7:08:21 2010 |
Louis, yes that will work. I have a lender who .. |
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| Mon Feb 22 6:53:57 2010 |
No there is .. |
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| Mon Feb 22 6:53:17 2010 |
No, you have nothing to worry about. If anything, .. |
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| Mon Feb 22 6:50:50 2010 |
You will definitely have to pay the closing .. |
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| Mon Feb 22 4:42:38 2010 |
Just speak to one of us (qualified loan .. |
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| Sun Feb 21 7:31:12 2010 |
NO...absolutely .. |
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| Sun Feb 21 6:34:11 2010 |
Yes, you can get a mortgage approval with a 39% .. |
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| Sun Feb 21 6:33:13 2010 |
It sounds like you need to refinance into a .. |
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| Sun Feb 21 6:32:10 2010 |
Yes there are still NINA loans available but it .. |
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| Sat Feb 20 6:03:36 2010 |
VMH, I would not hold my breath waiting for Obama .. |
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| Fri Feb 19 8:50:51 2010 |
Just check with one of the qualified loan .. |
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| Fri Feb 19 4:55:09 2010 |
They cannot make you sell your home. You are .. |
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| Thu Feb 18 2:10:17 2010 |
Not sure who exactly you were looking to get an .. |
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| Thu Feb 18 8:40:11 2010 |
Yes you can. You will need to be added to the .. |
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| Thu Feb 18 8:38:48 2010 |
They can deny a permanent .. |
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| Thu Feb 18 8:38:08 2010 |
Randi, we have financed quite a few properties in .. |
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| Thu Feb 18 8:34:53 2010 |
Yes that can be done. Cash out refinance on a .. |
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| Thu Feb 18 8:33:49 2010 |
Yes you can. Should not be a problem as long as .. |
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| Wed Feb 17 6:33:40 2010 |
Something is fishy and it is not .. |
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| Wed Feb 17 5:39:21 2010 |
ok so if I understand this correctly, you are .. |
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| Wed Feb 17 5:29:27 2010 |
If you are on the deed, then you can continue to .. |
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| Wed Feb 17 5:27:15 2010 |
Yes, there are loan options for scores as low as .. |
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| Wed Feb 17 5:24:43 2010 |
Just get a copy of your credit report. That will .. |
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| Mon Feb 15 5:16:52 2010 |
I am not sure what the guidelines say about .. |
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| Fri Feb 12 11:46:03 2010 |
kw, you MAY be able to refinance if you qualify .. |
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| Wed Feb 10 5:20:31 2010 |
Jared, the exception to that rule are the lenders .. |
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| Wed Feb 10 5:12:43 2010 |
nelhea, 5 units pushes the deal into a commercial .. |
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| Mon Feb 8 4:53:27 2010 |
They probably changed their guidelines. Does it .. |
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| Mon Feb 8 4:52:26 2010 |
If they sent you the modification offer in .. |
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| Sat Feb 6 12:28:34 2010 |
There is no way to .. |
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| Sat Feb 6 11:33:01 2010 |
I do not share who the lender is with my client .. |
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| Sat Feb 6 10:28:50 2010 |
- Guidelines are changing weekly. So, check .. |
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| Sat Feb 6 10:16:05 2010 |
Speak to a tax professional. We can only give you .. |
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| Sat Feb 6 10:11:33 2010 |
If you need to do repairs, then you should go .. |
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| Fri Jan 29 11:19:05 2010 |
There are some lenders that will do lower. Like .. |
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| Fri Jan 29 11:10:09 2010 |
You will not pay taxes on the cash out. You will .. |
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| Fri Jan 29 11:08:28 2010 |
I guess English is no longer a primary language .. |
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| Fri Jan 29 11:06:56 2010 |
Potential foreclosure. Keep paying and focus on .. |
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| Fri Jan 29 11:05:36 2010 |
Try google section .. |
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| Fri Jan 29 11:05:04 2010 |
Nick, her prior co-signing on a loan that is .. |
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| Sun Jan 24 7:41:13 2010 |
I think she is saying that the NET income is too .. |
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| Sun Jan 24 7:36:18 2010 |
Scott, why do you need a stated income loan Also, .. |
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| Sun Jan 24 7:28:57 2010 |
No, you need a 2 year work history. A lender CAN .. |
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| Sun Jan 24 7:26:26 2010 |
Guest, you do not have to pay 6%. You DO have .. |
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| Fri Jan 22 5:31:23 2010 |
This forum could use spell check .. |
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| Fri Jan 22 5:30:17 2010 |
There may be lenders who are willing to work with .. |
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| Tue Jan 19 6:09:42 2010 |
if you are close to locking in a rate on your .. |
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| Tue Jan 19 6:07:24 2010 |
You need to be sure that you can qualify for both .. |
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| Sun Jan 17 12:37:30 2010 |
CJ
I think there may have been some .. |
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| Sun Jan 17 11:57:13 2010 |
I agree, meet with a lender to see if you can .. |
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| Sun Jan 17 11:53:32 2010 |
There should only be ONE escrow waiver fee. The .. |
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| Sun Jan 17 11:48:34 2010 |
Welcome back Elnora...where have you .. |
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| Sun Jan 17 11:46:43 2010 |
Randy, if you qualify for the DU REFI PLUS .. |
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| Sun Jan 17 11:43:47 2010 |
Raymond is right in that you must check around to .. |
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| Sun Jan 17 11:40:37 2010 |
Your payment will have nothing to do with whether .. |
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| Sun Jan 17 11:39:00 2010 |
Raymond, this person is paying cash. No lenders .. |
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| Sun Jan 17 11:36:33 2010 |
You can learn all about interest only loans by .. |
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| Sun Jan 17 11:34:42 2010 |
Yes, I would suggest taking her to .. |
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| Wed Jan 13 12:26:23 2010 |
So if I understand this correctly...
He is .. |
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| Wed Jan 13 12:22:15 2010 |
Yes it is .. |
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| Wed Jan 13 12:21:54 2010 |
Only do that if the interest on the new loan is .. |
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| Wed Jan 13 12:21:10 2010 |
I can happen quickly if you do some of the right .. |
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| Mon Jan 11 9:25:14 2010 |
aboutyourmortgage
That was one of the most .. |
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| Sun Jan 10 1:27:50 2010 |
Pay the medical bills. Do not let them go to .. |
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| Sun Jan 10 1:25:56 2010 |
Simple, if you stop paying then find someplace .. |
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| Sun Jan 10 1:22:25 2010 |
I am in NJ too. This is simple. She signs the .. |
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| Thu Jan 7 9:59:13 2010 |
George, great info...thanks .. |
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| Thu Jan 7 5:27:27 2010 |
aaja
Before you move forward with the lender, .. |
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| Thu Jan 7 5:25:08 2010 |
What you will find is the rate will often be .. |
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| Tue Jan 5 4:49:34 2010 |
Call the department of banking in your .. |
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| Sun Jan 3 6:41:48 2010 |
If an item has been removed from your credit .. |
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| Sun Jan 3 6:39:03 2010 |
The lender may ask for a copy of the check and/or .. |
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| Sat Jan 2 3:32:26 2010 |
In my opinion, the rate for owner financing .. |
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| Sat Jan 2 11:29:57 2010 |
I would not recommend a refinance. However, you .. |
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| Sat Jan 2 11:27:25 2010 |
A couple of things..
1. The tax value is not the .. |
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| Fri Jan 1 7:53:36 2010 |
I dont think many people here have gotten that .. |
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| Fri Jan 1 1:17:12 2010 |
I have to agree, I am unaware of stated income .. |
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| Fri Jan 1 1:10:18 2010 |
Finding your .. |
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| Thu Dec 31 7:51:41 2009 |
I agree, it is possible that the good faith .. |
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| Wed Dec 30 3:10:09 2009 |
As a follow up, I still do not know of any stated .. |
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| Tue Dec 29 9:38:26 2009 |
No, but shop around. There are a lot of qualified .. |
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| Tue Dec 29 1:46:58 2009 |
They would need to refinance or sell the home to .. |
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| Tue Dec 29 9:00:03 2009 |
It does not matter whether it is a cash purchase .. |
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| Tue Dec 29 8:56:47 2009 |
Back to George's point...if you have a .. |
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| Mon Dec 28 6:08:26 2009 |
You should really speak to an attorney who .. |
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| Mon Dec 28 7:07:55 2009 |
I cannot believe I am saying this but keep .. |
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| Sun Dec 27 9:35:26 2009 |
Even though you are earning rental income, it .. |
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| Sat Dec 26 1:54:54 2009 |
You posted this twice. Please go back and remove .. |
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| Sat Dec 26 1:53:09 2009 |
The bank can foreclose on your .. |
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| Sat Dec 26 8:49:34 2009 |
I would advise you NOT to refinance right now. If .. |
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| Sat Dec 26 8:44:11 2009 |
If you are going to adivise someone to do some .. |
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| Sat Dec 26 8:41:02 2009 |
Your short recap of .. |
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| Thu Dec 24 9:14:58 2009 |
I would not do it if the owner still has that .. |
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| Thu Dec 24 7:42:01 2009 |
Not sure if I agree or understand what you are .. |
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| Thu Dec 24 7:38:32 2009 |
If it was charges off...then the creditor is not .. |
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| Thu Dec 24 5:38:24 2009 |
Sara, my neighbor in NJ.....Merry Christmas to .. |
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| Wed Dec 23 2:34:19 2009 |
I highly doubt that he ever said .. |
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| Wed Dec 23 1:48:49 2009 |
I hope this positive trend continues. However, .. |
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| Wed Dec 23 1:45:53 2009 |
A purchase contract. Have an attorney draw up the .. |
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| Wed Dec 23 1:43:06 2009 |
Check your e-mail .. |
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| Wed Dec 23 1:41:59 2009 |
Yes you should qualify for the $8,000 Tax .. |
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| Wed Dec 23 11:57:33 2009 |
George
For about two weeks, I received leads .. |
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| Wed Dec 23 11:36:31 2009 |
Thanks for posting the answer Niicss. To add to .. |
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| Tue Dec 22 8:45:58 2009 |
Thanks for posting George. The list is .. |
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| Tue Dec 22 10:55:44 2009 |
You probably will not find any loan while .. |
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| Tue Dec 22 10:54:43 2009 |
You can contact any one of the qualified loan .. |
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| Mon Dec 21 11:02:49 2009 |
Congratulations George !! Do your fingers hurt .. |
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| Sun Dec 20 12:13:49 2009 |
George,
I hear you. The forums are actually .. |
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| Sun Dec 20 12:00:26 2009 |
George, you are right. It is 30% down for Stated .. |
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| Sun Dec 20 11:57:23 2009 |
Wells Fargo is not in the business of helping .. |
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| Fri Dec 18 10:51:47 2009 |
Yes, very true. I have been writing and .. |
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| Fri Dec 18 6:32:00 2009 |
George,
I wish you the best of luck in .. |
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| Thu Dec 17 10:44:53 2009 |
You can research all of the different types of .. |
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| Thu Dec 17 10:40:41 2009 |
Typically, a point will buy you about 1/4 - 3/8 .. |
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| Thu Dec 17 10:34:06 2009 |
No, but I wish they would factor in the person's .. |
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| Wed Dec 16 11:42:48 2009 |
It is true that many banks do not accept partial .. |
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| Wed Dec 16 10:57:12 2009 |
You can qualify with your credit score. However, .. |
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| Tue Dec 15 4:38:26 2009 |
NJ, you cannot simply ask for the rate to be .. |
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| Tue Dec 15 3:20:06 2009 |
There have been many misconceptions regarding .. |
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| Tue Dec 15 12:03:23 2009 |
There ARE a few lenders that are going lower than .. |
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| Sun Dec 13 1:08:12 2009 |
If you are going to cut your rate by 1.5%, then I .. |
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| Sun Dec 13 1:01:08 2009 |
again...Millerja posting a fake scenario and .. |
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| Sun Dec 13 12:58:33 2009 |
NO....refinancing IS NOT BUYING. It is a frequent .. |
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| Sun Dec 13 12:57:19 2009 |
The bank will use ALL of the income and debt for .. |
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| Sun Dec 13 12:51:39 2009 |
I think we are pleasant enough to one another. I .. |
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| Sun Dec 13 12:50:17 2009 |
George, yes one would think that every lender .. |
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| Sun Dec 13 12:44:25 2009 |
Deposit the cash into a relatives' account. Then, .. |
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| Sat Dec 12 9:52:08 2009 |
Every lender is different. I suggest that you .. |
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| Fri Dec 11 3:49:24 2009 |
Everyone,
I am not sure if this was discussed .. |
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| Fri Dec 11 3:43:08 2009 |
I agree with George, it is BS and it will not .. |
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| Fri Dec 11 3:38:14 2009 |
John,
It is a BS scenario. Millerja posts all .. |
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| Fri Dec 11 3:15:07 2009 |
If you are not on the mortgage, then it will not .. |
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| Fri Dec 11 3:12:32 2009 |
You simply need to add it to the deed. Call a .. |
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| Fri Dec 11 3:11:22 2009 |
You MAY be responsible. Call the bank. Meanwhile, .. |
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| Fri Dec 11 3:09:53 2009 |
Most lenders I know will not finance a mobile .. |
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| Fri Dec 11 3:08:00 2009 |
They are definitely coming from the same person. .. |
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| Fri Dec 11 3:05:59 2009 |
George is correct. The only exception to that .. |
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| Fri Dec 11 3:03:56 2009 |
No, he sent me a note a few weeks ago to .. |
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| Wed Dec 9 10:33:17 2009 |
George, I tried that...no response. No response .. |
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| Wed Dec 9 10:32:21 2009 |
Many people are in a business where they cannot .. |
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| Wed Dec 9 10:29:30 2009 |
Those people are incorrect. You are better off .. |
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| Wed Dec 9 10:28:23 2009 |
There is really not enough information to give .. |
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| Sun Dec 6 7:46:48 2009 |
to the person who originally started this .. |
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| Sun Dec 6 7:31:11 2009 |
As a follow up to the stated income inquiry .. |
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| Sun Dec 6 4:20:57 2009 |
We would need a lot more details .. |
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| Sun Dec 6 4:14:31 2009 |
Rocelle,
Your story is very common. Wells is a .. |
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| Sun Dec 6 4:11:40 2009 |
I need to ask you .. |
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| Sun Dec 6 4:08:07 2009 |
Not sure what they will do with the house, but I .. |
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| Sun Dec 6 4:06:42 2009 |
I am sure the closing costs will be added to .. |
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| Sun Dec 6 3:55:49 2009 |
You simply apply for a loan on an investment .. |
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| Sun Dec 6 3:35:01 2009 |
You can still refinance AND he can still be on .. |
Forum |
| Sun Dec 6 3:31:06 2009 |
You need both your husband and the bank holding .. |
Forum |
| Sun Dec 6 3:29:31 2009 |
The co-signer is just as liable as the primary .. |
Forum |
| Sun Dec 6 3:27:22 2009 |
Just check with one of the qualified loan .. |
Forum |
| Sat Dec 5 12:42:17 2009 |
It really all comes down to the recent comps in .. |
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| Fri Dec 4 11:21:21 2009 |
Yes that payment of $2,800 SHOULD also include .. |
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| Fri Dec 4 10:54:29 2009 |
Something that I posted on my .. |
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| Fri Dec 4 9:25:48 2009 |
In addition, I am unaware of a HELOC that will .. |
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| Fri Dec 4 9:21:43 2009 |
Raymond,
He/she is also looking to cash out. .. |
Forum |
| Fri Dec 4 9:20:13 2009 |
You could actually do either. If you plan to be .. |
Forum |
| Thu Dec 3 5:21:31 2009 |
You should use the gift letter. According to the .. |
Forum |
| Thu Dec 3 5:20:02 2009 |
Yes absolutely but it will depend upon where you .. |
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| Thu Dec 3 5:18:07 2009 |
When you refinance and combine both loans into .. |
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| Wed Dec 2 9:09:20 2009 |
Just an FYI in case you did not hear the .. |
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| Wed Dec 2 4:42:29 2009 |
If you do refinance, then I would shop around. .. |
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| Wed Dec 2 4:40:09 2009 |
George, it is amazing how many lenders stopped .. |
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| Wed Dec 2 4:36:57 2009 |
George is right, there are lenders who will work .. |
Forum |
| Sun Nov 29 1:07:38 2009 |
So you owe $3k. Call them and ask for an .. |
Forum |
| Sun Nov 29 12:17:45 2009 |
You cannot take anyone's word for repairs that .. |
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| Sun Nov 29 12:14:49 2009 |
One more thing...
I would check out the .. |
Forum |
| Sun Nov 29 12:11:21 2009 |
Your score is fine but your income may be an .. |
Forum |
| Sun Nov 29 12:07:18 2009 |
It is tough to say without reading the terms of .. |
Forum |
| Sat Nov 28 8:36:26 2009 |
The lender will use the lowest of the two credit .. |
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| Sat Nov 28 8:33:06 2009 |
You will most likely have to wait a minimum of 6 .. |
Forum |
| Sat Nov 28 8:30:21 2009 |
All lenders will run your credit report however .. |
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| Sat Nov 28 8:20:44 2009 |
Your scenario does not surprise me. It is hard to .. |
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| Sat Nov 28 8:14:45 2009 |
You cannot borrow the difference. However, you .. |
Forum |
| Sat Nov 28 8:08:45 2009 |
Yeah we can handle all kinds of loans but lot .. |
Forum |
| Sat Nov 28 8:02:01 2009 |
Yeah FHA may not make sense for him due to the .. |
Forum |
| Sat Nov 28 7:52:07 2009 |
You will need to supply documentation supporting .. |
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| Sat Nov 28 7:30:33 2009 |
TC
Your loan options were already spelled out .. |
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| Wed Nov 25 1:25:08 2009 |
If you want to play around with the numbers .. |
Forum |
| Tue Nov 24 12:44:31 2009 |
I think you are missing the point. They are .. |
Forum |
| Tue Nov 24 10:12:21 2009 |
No it should not matter. Is your name currently .. |
Forum |
| Mon Nov 23 7:05:57 2009 |
How Pumpkin Pie Is Really Made .. |
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| Mon Nov 23 5:20:27 2009 |
If you plan on keeping the home long term, then .. |
Forum |
| Mon Nov 23 5:18:13 2009 |
It is a HUGE mistake. First of all, you will ruin .. |
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| Mon Nov 23 12:04:09 2009 |
That will all depend upon a few things including .. |
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| Mon Nov 23 11:46:56 2009 |
Yes, I would recommend that. However, the .. |
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| Sun Nov 22 7:35:11 2009 |
If you need help finding someone to provide you .. |
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| Sun Nov 22 7:33:58 2009 |
A lender MAY attempt to keep your rate the same .. |
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| Sun Nov 22 7:31:46 2009 |
druid
Yes the YSP will be disclosed. Why does .. |
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| Sun Nov 22 7:28:57 2009 |
Do you have everything in writing or was it all .. |
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| Sun Nov 22 7:27:42 2009 |
My God. That story is incredible.
How much is .. |
Forum |
| Sun Nov 22 7:03:17 2009 |
You should submit a rate quote request right here .. |
Forum |
| Sun Nov 22 6:58:31 2009 |
To answer Erich's question from a LONG time .. |
Forum |
| Sat Nov 21 7:49:52 2009 |
This tax credit is NOT what the economy needs. .. |
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| Sat Nov 21 7:47:36 2009 |
I will bet this has happened thousands of .. |
Forum |
| Sat Nov 21 7:29:23 2009 |
The GFE is one of the first things you should .. |
Forum |
| Sat Nov 21 7:23:35 2009 |
What you really need is a .. |
Forum |
| Sat Nov 21 7:12:16 2009 |
I posted another .. |
Forum |
| Sat Nov 21 7:09:22 2009 |
You are right, I .. |
Forum |
| Sat Nov 21 7:06:37 2009 |
Is The 40 Year Mortgage Dead? .. |
Forum |
| Sat Nov 21 7:00:59 2009 |
You COULD walk away from that lender if you still .. |
Forum |
| Fri Nov 20 9:14:11 2009 |
You need to speak with a loan officer...NOT a .. |
Forum |
| Fri Nov 20 8:17:57 2009 |
Well it was not meant to be political, but since .. |
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| Fri Nov 20 6:58:17 2009 |
Jerry
I have to disagree with you. Owner .. |
Forum |
| Fri Nov 20 6:44:48 2009 |
I have identified the problem. You received a .. |
Forum |
| Fri Nov 20 6:35:42 2009 |
....Osama Made Me Do .. |
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| Thu Nov 19 3:13:13 2009 |
I am sure you guys are happy that you have .. |
Forum |
| Thu Nov 19 12:44:40 2009 |
Don't be surprised if it gets delayed. Ask for a .. |
Forum |
| Thu Nov 19 9:17:07 2009 |
OK George, since you liked the last picture I .. |
Forum |
| Wed Nov 18 12:28:12 2009 |
You can use the mortgage calculator here on this .. |
Forum |
| Wed Nov 18 9:44:31 2009 |
Sounds good George...I will leave it up there for .. |
Forum |
| Wed Nov 18 6:46:46 2009 |
This is in no way related to mortgages but I .. |
Forum |
| Wed Nov 18 6:43:28 2009 |
I agree, you may be "stuck". However, .. |
Forum |
| Wed Nov 18 6:34:16 2009 |
Thanks Sara, to add to your post...
The actual .. |
Forum |
| Tue Nov 17 6:21:28 2009 |
The escrow balance makes more sense. What happens .. |
Forum |
| Mon Nov 16 10:43:41 2009 |
No, all loans are not assumable. That is .. |
Forum |
| Mon Nov 16 6:45:58 2009 |
Rise,
Yes there is a lot of financial .. |
Forum |
| Mon Nov 16 6:29:48 2009 |
I think you could probably get even less than 5% .. |
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| Mon Nov 16 6:26:03 2009 |
He should also look at his credit card balances. .. |
Forum |
| Mon Nov 16 6:23:07 2009 |
Your husband can probably get a loan with the 610 .. |
Forum |
| Mon Nov 16 6:19:44 2009 |
Brie,
I think you are being fair by offering .. |
Forum |
| Mon Nov 16 6:04:07 2009 |
Let me clarify something. She is looking for an .. |
Forum |
| Mon Nov 16 6:01:30 2009 |
Given the choice between the two, a DIL would be .. |
Forum |
| Sun Nov 15 3:05:43 2009 |
Your best bet is to contact a few qualified loan .. |
Forum |
| Sun Nov 15 3:04:28 2009 |
You should definitely work on your credit first. .. |
Forum |
| Fri Nov 13 10:02:19 2009 |
There are some recent changes to the first time .. |
Forum |
| Fri Nov 13 9:43:43 2009 |
There is little chance that you can accomplish .. |
Forum |
| Fri Nov 13 9:42:30 2009 |
My site is generating leads for me that I cannot .. |
Forum |
| Fri Nov 13 9:40:45 2009 |
You already asked this in another thread. 8% is .. |
Forum |
| Fri Nov 13 9:39:07 2009 |
Oh yeah, but you can bring a gun to the closing .. |
Forum |
| Fri Nov 13 9:37:48 2009 |
No, the only way off is for her to refinance .. |
Forum |
| Fri Nov 13 9:36:48 2009 |
If you are not on the mortgage and/or deed, then .. |
Forum |
| Fri Nov 13 9:34:18 2009 |
When the bank lends money ($100k) to someone and .. |
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| Fri Nov 13 9:30:03 2009 |
No 8% is not too high. In fact, I would charge .. |
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| Thu Nov 12 9:25:39 2009 |
At this point, it does not look good for you. Try .. |
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| Thu Nov 12 5:57:21 2009 |
If the tax lien is on the property, then when you .. |
Forum |
| Tue Nov 10 7:30:45 2009 |
I dont know of any in MO .. |
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| Mon Nov 9 4:14:38 2009 |
You do not need an appraisal to get a rate quote. .. |
Forum |
| Sun Nov 8 6:52:35 2009 |
oh boy....why dont you call your loan officer We .. |
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| Sun Nov 8 6:50:36 2009 |
You were doing ok until you mentioned only 10% .. |
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| Sun Nov 8 6:49:18 2009 |
Any idea what your credit score is If it is above .. |
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| Sun Nov 8 6:44:12 2009 |
Legally no unless the judge who is handling your .. |
Forum |
| Sun Nov 8 6:42:37 2009 |
Your answer is here... .. |
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| Fri Nov 6 4:16:11 2009 |
Without knowing what the remark is or what the .. |
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| Fri Nov 6 4:15:05 2009 |
.. |
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| Fri Nov 6 12:18:13 2009 |
Guest
The lender is NOT required to drop the .. |
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| Fri Nov 6 11:11:36 2009 |
Like you said, they will probably foreclose. A .. |
Forum |
| Fri Nov 6 11:01:37 2009 |
sia, please STOP posting fake scenarios. Nobody .. |
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| Fri Nov 6 9:19:01 2009 |
Effective January 2010, a new RESPA rule will .. |
Forum |
| Thu Nov 5 7:04:05 2009 |
There are plenty of lenders who will refinance .. |
Forum |
| Thu Nov 5 6:58:40 2009 |
It is not a loan .. |
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| Thu Nov 5 6:56:21 2009 |
Ken, are you trying to add her to the mortgage, .. |
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| Thu Nov 5 6:54:32 2009 |
Please follow the link for your .. |
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| Thu Nov 5 6:51:49 2009 |
Please follow the link for your .. |
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| Tue Nov 3 10:02:12 2009 |
Adam, you are not going to be able to cash out .. |
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| Tue Nov 3 10:00:03 2009 |
I agree with John. If your wife is on the loan .. |
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| Tue Nov 3 9:57:31 2009 |
Bad idea...very bad idea. The sale of your home .. |
Forum |
| Sun Nov 1 6:24:31 2009 |
Please let us know what .. |
Forum |
| Sun Nov 1 6:05:21 2009 |
it all depends upon how upside down you are. .. |
Forum |
| Sun Nov 1 6:02:11 2009 |
opboatman
Since your existing second loan was .. |
Forum |
| Sun Nov 1 5:59:54 2009 |
Please see the other thread you started for an .. |
Forum |
| Sun Nov 1 5:59:15 2009 |
The bank probably will not extend the loan for .. |
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| Sun Nov 1 5:57:14 2009 |
No, owner occupied means you actually live .. |
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| Sun Nov 1 5:56:03 2009 |
Do you have a question for .. |
Forum |
| Thu Oct 29 3:46:36 2009 |
Everyone (mortgage professionals on this .. |
Forum |
| Tue Oct 27 7:35:49 2009 |
mygame
Yes there is such thing as a NINA loan. .. |
Forum |
| Tue Oct 27 7:23:22 2009 |
Bottom line is that credit score is just ONE .. |
Forum |
| Mon Oct 26 6:56:18 2009 |
Savior, based upon the second part of your .. |
Forum |
| Thu Oct 22 9:53:46 2009 |
Shane
I am finding that most of the people who .. |
Forum |
| Thu Oct 22 9:44:22 2009 |
If your escrow balance has declined, then yes .. |
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| Thu Oct 22 9:41:13 2009 |
Yes over 30 years at a rate of 6%, you would pay .. |
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| Mon Oct 19 11:03:29 2009 |
I believe the Fannie Mae DU Refi Plus does allow .. |
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| Mon Oct 19 10:58:51 2009 |
So far, I have no complaints. I locked a loan .. |
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| Mon Oct 19 10:54:23 2009 |
It sounds like she submitted all of her docs to .. |
Forum |
| Mon Oct 19 10:37:06 2009 |
Well yes it seems that the appraisal should have .. |
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| Sun Oct 18 5:25:47 2009 |
Yeah, the problem is that there is a lien on the .. |
Forum |
| Fri Oct 16 4:50:07 2009 |
I know of a lender in Florida that will do a .. |
Forum |
| Fri Oct 16 4:41:01 2009 |
Go down to the town records room and look up the .. |
Forum |
| Thu Oct 15 12:02:04 2009 |
Stated income loans and mortgages are still .. |
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| Thu Oct 15 10:43:05 2009 |
$50k !! WOW...I will not even pretend to have a .. |
Forum |
| Thu Oct 15 10:39:25 2009 |
That really all depends upon the guidelines that .. |
Forum |
| Thu Oct 15 10:36:54 2009 |
Mike
It really all depends on what is included .. |
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| Thu Oct 15 9:23:21 2009 |
So, from what I see.... the lender you and I work .. |
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| Thu Oct 15 9:16:54 2009 |
George, yeah.... it is crazy. So, since this is .. |
Forum |
| Thu Oct 15 9:02:16 2009 |
You asked this question already. I answered your .. |
Forum |
| Thu Oct 15 9:00:07 2009 |
Well, yes you would have no legal claim against .. |
Forum |
| Wed Oct 14 4:39:56 2009 |
I think you can use one year's tax returns if you .. |
Forum |
| Wed Oct 14 4:37:46 2009 |
Al
You should just focus on improving your .. |
Forum |
| Wed Oct 14 4:36:13 2009 |
John
This Dolly person is posting fake .. |
Forum |
| Wed Oct 14 4:26:26 2009 |
I am in contact with a lender in CA who will .. |
Forum |
| Wed Oct 14 4:22:04 2009 |
How much would it cost to fix the foundation .. |
Forum |
| Wed Oct 14 4:19:11 2009 |
I agree with John. The costs are probably rolled .. |
Forum |
| Wed Oct 14 4:16:43 2009 |
You absolutely can. Just contact one of the .. |
Forum |
| Wed Oct 14 4:00:26 2009 |
Have a lawyer draw up a contract that states she .. |
Forum |
| Mon Oct 12 7:28:53 2009 |
Guest
Every scenario is different so it is not .. |
Forum |
| Mon Oct 12 7:23:35 2009 |
oh please...make the madness stop .. |
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| Mon Oct 12 7:20:42 2009 |
Thanks George, now can you repeat that so my kids .. |
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| Mon Oct 12 7:12:39 2009 |
It sounds like signing the deed over to them .. |
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| Mon Oct 12 6:56:31 2009 |
Can you rent the home and cover your .. |
Forum |
| Mon Oct 12 6:39:54 2009 |
Does it make a difference if there is already a .. |
Forum |
| Mon Oct 12 6:38:04 2009 |
George, a little battle with insomnia
I will .. |
Forum |
| Mon Oct 12 6:31:12 2009 |
Savior,
It soundsl like owner financing for .. |
Forum |
| Mon Oct 12 6:29:25 2009 |
Mary
Your scenario is very difficult to .. |
Forum |
| Sun Oct 11 4:59:52 2009 |
Your qualifying rate is the rate that is used to .. |
Forum |
| Sun Oct 11 4:51:27 2009 |
Jazzy
That is a blanket statement that I do .. |
Forum |
| Sun Oct 11 4:49:34 2009 |
There are regional or local lenders who will do .. |
Forum |
| Sat Oct 10 12:40:15 2009 |
If he is on the current mortgage, then yes it .. |
Forum |
| Sat Oct 10 8:49:23 2009 |
dollylee
You cannot possibly be serious with .. |
Forum |
| Sat Oct 10 8:48:03 2009 |
sharoofi
You may find more answers that suit .. |
Forum |
| Fri Oct 9 8:01:01 2009 |
I prefer this definition which is in the glossary .. |
Forum |
| Fri Oct 9 7:34:05 2009 |
crappie
If you have a good faith estimate .. |
Forum |
| Fri Oct 9 7:28:56 2009 |
Leee
Simple...you .. |
Forum |
| Thu Oct 8 6:40:13 2009 |
I do not think you fully explained the program. .. |
Forum |
| Thu Oct 8 5:31:09 2009 |
dleeling
If the contract is based upon your .. |
Forum |
| Thu Oct 8 5:16:55 2009 |
Guest
Lenders WILL waive the two year .. |
Forum |
| Thu Oct 8 5:12:59 2009 |
There ARE lenders who will work with you even if .. |
Forum |
| Thu Oct 8 5:06:29 2009 |
Fewer lenders offer bridge loans these days. .. |
Forum |
| Thu Oct 8 4:36:46 2009 |
Construction loan There is a good chance that .. |
Forum |
| Thu Oct 8 4:32:08 2009 |
Please read the following post to find your .. |
Forum |
| Thu Oct 8 4:29:29 2009 |
Please read this prior .. |
Forum |
| Thu Oct 8 4:27:16 2009 |
Amber
Sometimes the data on the report is a .. |
Forum |
| Thu Oct 8 4:25:20 2009 |
marie
In my opinion, I would stay away from .. |
Forum |
| Thu Oct 8 4:20:54 2009 |
The bank holds the co-signer just as liable as .. |
Forum |
| Wed Oct 7 4:52:16 2009 |
I do not necessarily agree with the 2% rule. .. |
Forum |
| Wed Oct 7 4:47:19 2009 |
Sign me up for that George ! Sometimes I feel .. |
Forum |
| Wed Oct 7 4:45:37 2009 |
Let me throw something else into the mix .. |
Forum |
| Wed Oct 7 4:40:21 2009 |
John
I dont know about you, but I have had .. |
Forum |
| Wed Oct 7 4:34:09 2009 |
Thank you George ! At least she forgot to add a .. |
Forum |
| Wed Oct 7 4:23:47 2009 |
Yes, especially if you can get a rate close to .. |
Forum |
| Wed Oct 7 4:22:32 2009 |
Yes it is legal. Hire an attorney to help protect .. |
Forum |
| Wed Oct 7 9:58:24 2009 |
I will look for it and will get back to .. |
Forum |
| Wed Oct 7 9:56:56 2009 |
Scuba,
I am sure you CAN find a lender who .. |
Forum |
| Fri Oct 2 5:20:05 2009 |
A couple of things...
1. Even if you get a .. |
Forum |
| Thu Oct 1 10:09:57 2009 |
If you are selling the home that you are trying .. |
Forum |
| Thu Oct 1 10:04:13 2009 |
Wow thanks...I refuse to be the 8th person to .. |
Forum |
| Thu Oct 1 9:57:13 2009 |
What I want to know is why it took 14 posts here .. |
Forum |
| Thu Oct 1 9:19:30 2009 |
If you have excess funds, you can also use it to .. |
Forum |
| Wed Sep 30 6:16:10 2009 |
Do not stop paying your second mortgage. It will .. |
Forum |
| Wed Sep 30 6:13:12 2009 |
That is correct. She has to qualify on her own. .. |
Forum |
| Tue Sep 29 2:00:31 2009 |
If you are not legally divorced yet, then you do .. |
Forum |
| Tue Sep 29 1:57:41 2009 |
Exactly....why would a NEW lender believe this .. |
Forum |
| Tue Sep 29 9:37:23 2009 |
Here are the Mortgage documents needed when .. |
Forum |
| Tue Sep 29 9:31:24 2009 |
Something to be mindful of is that many lenders .. |
Forum |
| Tue Sep 29 9:30:24 2009 |
hems
If you do a search on this site on ballon .. |
Forum |
| Tue Sep 29 9:28:28 2009 |
Call a .. |
Forum |
| Tue Sep 29 9:26:49 2009 |
Talk to your broker and see if you qualify for .. |
Forum |
| Mon Sep 28 5:42:40 2009 |
I am not an expert in mobile home financing, but .. |
Forum |
| Mon Sep 28 5:40:27 2009 |
You probably have an adjustable rate which is why .. |
Forum |
| Mon Sep 28 5:34:46 2009 |
It depends on where you are. There are regional .. |
Forum |
| Mon Sep 28 5:30:51 2009 |
How far under water or upside down are you If you .. |
Forum |
| Mon Sep 28 5:27:46 2009 |
Your question was answered here... .. |
Forum |
| Mon Sep 28 5:26:19 2009 |
That is easier than removing your name from a .. |
Forum |
| Mon Sep 28 5:06:52 2009 |
Make your payments. Get a second or third job if .. |
Forum |
| Wed Sep 23 12:49:44 2009 |
Yes, you can most likely refinance the primary .. |
Forum |
| Wed Sep 23 12:39:42 2009 |
Kim
"In other words buy with a view to .. |
Forum |
| Wed Sep 23 12:36:49 2009 |
Kim
Where do you get your information from I .. |
Forum |
| Wed Sep 23 12:34:33 2009 |
Archie
It would have been easier to look up .. |
Forum |
| Wed Sep 23 12:32:07 2009 |
Home equity loans typically have a higher rate, .. |
Forum |
| Wed Sep 23 12:25:22 2009 |
I think you are referring to a mortgage that has .. |
Forum |
| Wed Sep 23 12:22:57 2009 |
Archie
Speak to a qualified loan officer to .. |
Forum |
| Wed Sep 23 12:18:06 2009 |
I agree with George. You should also consider how .. |
Forum |
| Tue Sep 22 5:44:02 2009 |
Yeah I have more to add...I am .. |
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| Tue Sep 22 5:42:34 2009 |
Ho
I believe you and I spoke earlier. Your LTV .. |
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| Tue Sep 22 5:30:47 2009 |
I think you can do a lot better than 5.3% on a 15 .. |
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| Tue Sep 22 5:28:59 2009 |
That is what it sounds like to me too...cash out .. |
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| Tue Sep 22 5:26:49 2009 |
Yes you can still get a loan however there are .. |
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| Tue Sep 22 5:22:57 2009 |
Sure, just as long as you can qualify for the .. |
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| Sat Sep 19 8:20:36 2009 |
Which is exactly why I do not even look at FHA .. |
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| Sat Sep 19 8:16:20 2009 |
Catharin
you CAN utilize seller contributions .. |
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| Fri Sep 18 1:34:10 2009 |
I think Ross feels that if he creates enough .. |
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| Fri Sep 18 1:22:13 2009 |
The assessment has nothing to do with the true .. |
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| Wed Sep 16 5:00:39 2009 |
Need to know more. What is your loan balance and .. |
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| Wed Sep 16 4:58:57 2009 |
Here is the Fannie Mae lookup tool... .. |
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| Wed Sep 16 4:58:14 2009 |
If your current loan is with Fannie Mae, then you .. |
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| Wed Sep 16 4:51:21 2009 |
I dont know why you guys are trying to jam FHA .. |
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| Wed Sep 16 4:42:25 2009 |
You could move the deed over to an LLC but not .. |
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| Wed Sep 16 4:36:38 2009 |
They just want proof that you are receiving the .. |
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| Mon Sep 14 4:42:36 2009 |
joemac....yes as long as you meet the other .. |
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| Mon Sep 14 4:35:29 2009 |
There are a lot of things you can do to raise .. |
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| Mon Sep 14 4:27:25 2009 |
My fear is that a few ridiculous threads may .. |
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| Mon Sep 14 4:00:36 2009 |
It is typically calculated based upon a 30 yr .. |
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| Sat Sep 12 7:27:49 2009 |
yeah I will believe it when I see it. I get those .. |
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| Sat Sep 12 7:25:35 2009 |
Your other option is a home equity loan. You will .. |
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| Sat Sep 12 7:24:20 2009 |
Stoner
be careful putting your phone number on .. |
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| Sat Sep 12 7:22:52 2009 |
crzy
I am going the other way on this. If .. |
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| Sat Sep 12 7:20:32 2009 |
deb
What is your current rate Your loan .. |
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| Sat Sep 12 7:17:09 2009 |
They really do not need to ban those mortgages. .. |
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| Sat Sep 12 7:13:06 2009 |
I was asked for one of those this week and still .. |
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| Sat Sep 12 7:12:00 2009 |
Mark
If they are looking to buy sometime next .. |
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| Sat Sep 12 7:09:14 2009 |
Savior is correct in referencing the new program .. |
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| Sat Sep 12 7:05:11 2009 |
In addition, it becomes much more difficult when .. |
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| Sat Sep 12 6:56:23 2009 |
George is correct, there are virtually no lenders .. |
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| Sat Sep 12 6:54:13 2009 |
Now I know why the people in the post office went .. |
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| Sat Sep 12 6:53:19 2009 |
George, I need to talk to Sam and find out how we .. |
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| Sat Sep 12 6:51:34 2009 |
OK since this thread has reached an all time high .. |
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| Sat Sep 12 6:48:29 2009 |
Well said .. |
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| Sat Sep 12 6:45:10 2009 |
Tenoirmystess
You can expect to lose your .. |
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| Sat Sep 12 6:43:03 2009 |
Ishaq,
Refer to the following .. |
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| Sat Sep 12 6:40:52 2009 |
Woophie
Tell your neighbor that you will allow .. |
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| Tue Sep 8 7:59:08 2009 |
Guest
Start by contacting one of the qualified .. |
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| Sun Sep 6 6:07:16 2009 |
Just keep working on your scores. Meanwhile, .. |
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| Sun Sep 6 5:30:38 2009 |
ra
your question was answered on your other .. |
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| Sun Sep 6 5:29:35 2009 |
Guest,
Please forgive me. I do not mean to be .. |
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| Sun Sep 6 5:25:02 2009 |
Yes, please answer the questions that James .. |
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| Sun Sep 6 5:23:43 2009 |
Cash it out indivudually. Choose whichever .. |
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| Sun Sep 6 4:59:28 2009 |
"We thought we made arrangements with our .. |
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| Sun Sep 6 4:58:26 2009 |
What kind of account are you talking .. |
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| Sun Sep 6 4:57:06 2009 |
Rent it .. |
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| Sun Sep 6 4:56:25 2009 |
No, adding a co-signer does not help a poor .. |
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| Fri Sep 4 6:30:47 2009 |
No, this is not a problem. Legally it does not .. |
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| Fri Sep 4 6:25:48 2009 |
There must be some type of documentation (with a .. |
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| Fri Sep 4 6:22:03 2009 |
Just contact one of the qualified loan officers .. |
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| Fri Sep 4 6:17:50 2009 |
You need to clarify your situation. Are you .. |
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| Fri Sep 4 6:16:51 2009 |
If the loan is not assumable, then you cannot .. |
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| Tue Sep 1 4:54:20 2009 |
Very true George. I have seen more than three .. |
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| Tue Sep 1 4:51:08 2009 |
I agree. In addition, if you have no mortgage on .. |
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| Sat Aug 29 5:25:10 2009 |
If you DONT want this to happen, then you need to .. |
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| Sat Aug 29 8:53:59 2009 |
aprice
You MAY be able to qualify for the DU .. |
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| Fri Aug 28 12:56:46 2009 |
George is correct. In addition, you need to be .. |
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| Fri Aug 28 12:54:48 2009 |
You will need a job or you must be self .. |
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| Fri Aug 28 12:53:34 2009 |
Not sure who the best providers are. It is a .. |
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| Thu Aug 27 7:15:58 2009 |
Yes, definitely .. |
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| Thu Aug 27 6:09:47 2009 |
He COULD complete your application without those .. |
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| Thu Aug 27 5:52:28 2009 |
George
He may be buying into a franchise. They .. |
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| Thu Aug 27 5:49:43 2009 |
In some instances yes. However, I am in NJ and I .. |
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| Thu Aug 27 5:26:16 2009 |
A. Absolutely but I do NOT recommend using a .. |
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| Thu Aug 27 5:24:23 2009 |
dum
Many banks will require that condo's in a .. |
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| Thu Aug 27 5:22:18 2009 |
If there is mortgage tax, then it is NY. The .. |
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| Thu Aug 27 5:20:21 2009 |
Definitely ! In fact, you have quite a few .. |
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| Thu Aug 27 5:19:33 2009 |
irish
Many banks will not accept partial .. |
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| Thu Aug 27 5:15:02 2009 |
Tami
What happens with the house will be .. |
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| Thu Aug 27 5:11:41 2009 |
jenkin
There ARE a few lenders who do not use .. |
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| Thu Aug 27 5:09:02 2009 |
George is right...just pay it .. |
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| Thu Aug 27 5:08:14 2009 |
I do not believe that will work. Get an attorney .. |
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| Thu Aug 27 5:06:50 2009 |
Your question was answered .. |
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| Thu Aug 27 5:03:26 2009 |
Joy, NO it will not have an effect on the home .. |
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| Thu Aug 27 5:01:49 2009 |
To add another point of view...
Politicians .. |
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| Sat Aug 22 1:21:15 2009 |
Two in 15 home loans were at least one payment .. |
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| Fri Aug 21 6:07:50 2009 |
Two years is enough, however you have to prove it .. |
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| Fri Aug 21 6:03:50 2009 |
You always want to pay down the loan with the .. |
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| Fri Aug 21 6:02:13 2009 |
Dilip, please be advised that any video you put .. |
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| Fri Aug 21 5:55:55 2009 |
A hard money lender is either a private person or .. |
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| Fri Aug 21 5:52:27 2009 |
Rex
I will personally finance that deal for .. |
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| Sun Aug 16 6:01:44 2009 |
Yes...absolutely .. |
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| Sun Aug 16 6:00:44 2009 |
Sure, if the bank is selling your home and you .. |
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| Sun Aug 16 5:58:49 2009 |
Merry
Are you trying to break records with the .. |
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| Sun Aug 16 5:56:30 2009 |
NYC Dad, I answered your question on your other .. |
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| Sun Aug 16 5:54:17 2009 |
NYC Dad,
There are just a few lenders .. |
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| Sun Aug 16 3:31:19 2009 |
Merry, like I said....they helped to create the .. |
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| Sun Aug 16 1:17:35 2009 |
No....if you can barely make the payments now .. |
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| Sun Aug 16 1:15:36 2009 |
Interesting....and thanks for the education. .. |
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| Sat Aug 15 9:04:23 2009 |
I am wondering about "jingle mail" .. |
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| Sat Aug 15 9:02:43 2009 |
Yes, I am sure...but why would you want to buy a .. |
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| Sat Aug 15 8:58:26 2009 |
Guest, I listed those factors .. |
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| Sat Aug 15 8:51:43 2009 |
Depending upon what the taxes are on both .. |
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| Sat Aug 15 8:42:09 2009 |
mortgage .. |
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| Sat Aug 15 8:39:56 2009 |
George, I already sent a private message to .. |
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| Wed Aug 12 5:43:32 2009 |
I am sorry, you are too far underwater for that .. |
Forum |
| Wed Aug 12 5:40:17 2009 |
Only if you can qualify with both incomes AND .. |
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| Wed Aug 12 5:27:19 2009 |
Lise
A co-signer will not help with credit. .. |
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| Wed Aug 12 5:21:29 2009 |
If your loan has been underwritten and the .. |
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| Tue Aug 11 11:30:31 2009 |
I agree...do not make another move without an .. |
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| Tue Aug 11 11:29:30 2009 |
If I decide to flip burgers for a living, do you .. |
Forum |
| Tue Aug 11 11:27:45 2009 |
My suggestion is to subdivide the property to .. |
Forum |
| Tue Aug 11 11:23:21 2009 |
Your question has been answered .. |
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| Tue Aug 11 11:20:22 2009 |
How much would the home appraise for right now If .. |
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| Tue Aug 11 11:17:48 2009 |
lexus
You can be arrested for missing a court .. |
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| Tue Aug 11 11:15:34 2009 |
Get a lawyer to sort it out for .. |
Forum |
| Tue Aug 11 11:13:28 2009 |
See if you can get a letter from the landlord .. |
Forum |
| Mon Aug 10 4:48:08 2009 |
Your only way out would be to pay it .. |
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| Mon Aug 10 4:46:44 2009 |
You would need to get a second mortgage, home .. |
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| Mon Aug 10 4:45:03 2009 |
My guess is the additional $400 was an .. |
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| Mon Aug 10 4:43:24 2009 |
I would try and borrow from friends or relatives. .. |
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| Mon Aug 10 4:41:28 2009 |
Jim
I think realgeni suffers from dislexia. .. |
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| Mon Aug 10 4:39:32 2009 |
It sounds like it worked .. |
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| Mon Aug 10 4:25:20 2009 |
You will need to write a letter or have an .. |
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| Mon Aug 10 4:15:33 2009 |
George,
Someone is missing a .. |
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| Mon Aug 10 4:09:32 2009 |
That is just ONE component. There are other .. |
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| Mon Aug 10 4:07:30 2009 |
Niics is correct, it would require a court order. .. |
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| Sun Aug 9 2:41:01 2009 |
Well...all things being equal (no points) your .. |
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| Sun Aug 9 2:31:03 2009 |
They helped to create the sub prime loan .. |
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| Sun Aug 9 2:28:32 2009 |
The bottom line....
There ARE costs associated .. |
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| Sun Aug 9 2:24:07 2009 |
No...not if the maximum is .. |
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| Sun Aug 9 2:22:51 2009 |
michell
for that loan amount, I would go to a .. |
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| Sun Aug 9 2:21:24 2009 |
apple
I do not think you understood my post. I .. |
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| Sun Aug 9 2:19:57 2009 |
You COULD convince the bank that this new home .. |
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| Sun Aug 9 2:03:16 2009 |
If you are able to qualify for the new home while .. |
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| Sun Aug 9 2:00:42 2009 |
Nobody will get into trouble if you refund the .. |
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| Sun Aug 9 1:55:39 2009 |
No they .. |
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| Sun Aug 9 1:55:06 2009 |
Didn't you submit this question .. |
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| Sun Aug 9 1:53:18 2009 |
Stated income loans are still extremely popular .. |
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| Sun Aug 9 1:49:13 2009 |
The risk is that you often do not get to see the .. |
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| Fri Aug 7 6:29:07 2009 |
Your 401k is probably the least liquid of all .. |
Forum |
| Fri Aug 7 5:56:26 2009 |
Some banks WILL waive the pre-pay penalty if you .. |
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| Fri Aug 7 5:55:15 2009 |
kbkevin
I disagree. There are smaller .. |
Forum |
| Fri Aug 7 5:52:17 2009 |
It is never a good idea to draw from your .. |
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| Fri Aug 7 5:50:32 2009 |
Additional clarification...
You need a total .. |
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| Fri Aug 7 5:46:21 2009 |
Realgeni
Please let us know what your .. |
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| Fri Aug 7 5:40:55 2009 |
Yes, there are banks that will work with .. |
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| Thu Aug 6 5:11:13 2009 |
ha !! ok thanks and you are .. |
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| Thu Aug 6 5:08:39 2009 |
No, it should NOT change anything, but I have .. |
Forum |
| Thu Aug 6 4:56:07 2009 |
Your question has been answered .. |
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| Thu Aug 6 4:55:06 2009 |
Thanks George. I keep posting the link to this .. |
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| Thu Aug 6 4:53:27 2009 |
cuddles
Do you want to sell the home to them .. |
Forum |
| Thu Aug 6 4:50:00 2009 |
No, I do not believe that exists at this .. |
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| Thu Aug 6 4:41:57 2009 |
I dont think there is an official list. Look in .. |
Forum |
| Thu Aug 6 4:40:45 2009 |
I do not believe that is true. I also do not .. |
Forum |
| Thu Aug 6 4:38:06 2009 |
Yes the banks will consider that property an .. |
Forum |
| Wed Aug 5 8:28:35 2009 |
I was being quite serious and blunt. Time is of .. |
Forum |
| Wed Aug 5 8:18:30 2009 |
Also...other real estate, automobiles, art, .. |
Forum |
| Wed Aug 5 8:16:27 2009 |
Right....IF you .. |
Forum |
| Wed Aug 5 8:15:28 2009 |
There are a few lenders that will work with .. |
Forum |
| Wed Aug 5 8:13:37 2009 |
You will need to qualify as if it was simply a .. |
Forum |
| Wed Aug 5 8:10:49 2009 |
There are still a few lenders originating loans .. |
Forum |
| Wed Aug 5 7:09:04 2009 |
You can request a rate quote from any of the .. |
Forum |
| Mon Aug 3 5:45:14 2009 |
Thanks for the post George. There is something .. |
Forum |
| Mon Aug 3 5:42:34 2009 |
Yes I would recommend calling a supervisor. .. |
Forum |
| Mon Aug 3 5:37:48 2009 |
Sunday
You will definitely have to pay those .. |
Forum |
| Mon Aug 3 5:33:22 2009 |
Yes, maybe we were optimistic. However, when you .. |
Forum |
| Mon Aug 3 5:27:44 2009 |
RBAR
I know that banks look for verification .. |
Forum |
| Mon Aug 3 5:25:28 2009 |
Please read the following post on how to remove a .. |
Forum |
| Mon Aug 3 5:22:37 2009 |
You should also begin collecting the appropriate .. |
Forum |
| Mon Aug 3 5:20:44 2009 |
I local bank may work with you. What state is the .. |
Forum |
| Mon Aug 3 5:19:52 2009 |
They will only go after whoever is on the deed. .. |
Forum |
| Mon Aug 3 5:14:54 2009 |
You must have equity to refinance. Also, if she .. |
Forum |
| Mon Aug 3 5:11:55 2009 |
LOL !! good one...and I imagine that within days .. |
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| Mon Aug 3 5:10:19 2009 |
It will most likely be different from county to .. |
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| Mon Aug 3 5:07:35 2009 |
What did you get in writing if anything You .. |
Forum |
| Mon Aug 3 5:04:43 2009 |
yes, your father can purchase the home as an .. |
Forum |
| Sun Aug 2 6:07:14 2009 |
You can search the "helpful references" .. |
Forum |
| Sun Aug 2 6:02:53 2009 |
You should probably start looking for someone to .. |
Forum |
| Sun Aug 2 6:02:01 2009 |
I do not think you need a license, but you do .. |
Forum |
| Sat Aug 1 6:36:30 2009 |
That NEVER happens George... ha .. |
Forum |
| Sat Aug 1 6:35:12 2009 |
I am actually surprised that your bank allowed .. |
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| Sat Aug 1 6:33:22 2009 |
griselda
You bay be opening up a can of worms. .. |
Forum |
| Sat Aug 1 6:30:48 2009 |
The only issue I see is your LTV ratio. Many .. |
Forum |
| Sat Aug 1 6:25:15 2009 |
If that is the case, then it will all come down .. |
Forum |
| Sat Aug 1 6:23:43 2009 |
I agree...find a new .. |
Forum |
| Fri Jul 31 4:53:06 2009 |
How does your question pertain to .. |
Forum |
| Fri Jul 31 5:45:12 2009 |
No it will not matter. The bank is licensed to .. |
Forum |
| Fri Jul 31 5:36:38 2009 |
You really need to speak with an estate attorney. .. |
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| Fri Jul 31 5:30:31 2009 |
Quit Claim Deed. Is there also a mortgage on the .. |
Forum |
| Thu Jul 30 7:25:04 2009 |
David
re-post them if necessary, however it .. |
Forum |
| Thu Jul 30 6:54:10 2009 |
I agree...
especially with the new guideline .. |
Forum |
| Thu Jul 30 6:48:10 2009 |
Call the dept of banking in your state and file a .. |
Forum |
| Thu Jul 30 6:43:31 2009 |
If you remove the "conv" portion of .. |
Forum |
| Thu Jul 30 6:37:58 2009 |
Yes there are a couple of lenders who will work .. |
Forum |
| Tue Jul 28 8:53:02 2009 |
I would suggest going to another lender who will .. |
Forum |
| Tue Jul 28 8:51:36 2009 |
It sounds like you need a "stated .. |
Forum |
| Tue Jul 28 8:47:41 2009 |
The answer will be different for each geographic .. |
Forum |
| Tue Jul 28 8:43:44 2009 |
Just contact one of the qualified loan officers .. |
Forum |
| Mon Jul 27 4:55:03 2009 |
I am waiting to hear the answer also. ...should .. |
Forum |
| Mon Jul 27 4:53:44 2009 |
You can probably shave at least two points off of .. |
Forum |
| Thu Jul 23 11:45:02 2009 |
In addition, your appraisa may not be accepted if .. |
Forum |
| Thu Jul 23 11:43:29 2009 |
Just search through the questions that have .. |
Forum |
| Thu Jul 23 11:32:01 2009 |
Welcome to the .. |
Forum |
| Thu Jul 23 11:31:07 2009 |
You must FIRST, get yourself on the deed. Then, .. |
Forum |
| Wed Jul 22 6:27:49 2009 |
The bank will use the lower of the two amounts. .. |
Forum |
| Tue Jul 21 5:28:04 2009 |
I have to agree with George. On a personal note, .. |
Forum |
| Tue Jul 21 5:15:17 2009 |
Something that is important to note...
You .. |
Forum |
| Tue Jul 21 5:09:01 2009 |
Wow, Gary...thanks for the wonderful insight. Did .. |
Forum |
| Tue Jul 21 5:04:13 2009 |
Hold on...
If you are the only one on the .. |
Forum |
| Mon Jul 20 4:47:16 2009 |
What state Patrice Also, are the properties owned .. |
Forum |
| Mon Jul 20 4:46:07 2009 |
I am curious to know why you are not on the title .. |
Forum |
| Mon Jul 20 4:34:47 2009 |
For additional clarification...
SISA (Stated .. |
Forum |
| Mon Jul 20 4:30:54 2009 |
Six to twelve months depending upon the .. |
Forum |
| Mon Jul 20 4:20:20 2009 |
Sure, it is possible. However, the bank may .. |
Forum |
| Mon Jul 20 4:19:15 2009 |
There is nothing you can do. They are not .. |
Forum |
| Mon Jul 20 4:16:27 2009 |
You should aim for a minimum of 620. However, if .. |
Forum |
| Mon Jul 20 4:15:19 2009 |
You will most likely need to keep his name off of .. |
Forum |
| Mon Jul 20 4:12:58 2009 |
You will have to check with your lender to see if .. |
Forum |
| Fri Jul 17 1:55:46 2009 |
Should not be a problem as long as you can .. |
Forum |
| Thu Jul 16 8:21:11 2009 |
A pefect example of what I am talking about is .. |
Forum |
| Wed Jul 15 4:18:59 2009 |
Guest, in addition....your current loan cannot .. |
Forum |
| Wed Jul 15 4:06:49 2009 |
No, PMI is not a legitimate tax .. |
Forum |
| Wed Jul 15 4:04:57 2009 |
Just chime in when your expertise is appropriate. .. |
Forum |
| Wed Jul 15 4:03:57 2009 |
Oh yeah, the answers change. Instead of coming .. |
Forum |
| Wed Jul 15 4:00:41 2009 |
Speak to an .. |
Forum |
| Wed Jul 15 8:31:03 2009 |
Head is still .. |
Forum |
| Wed Jul 15 8:28:42 2009 |
It sounds like you need to work with a different .. |
Forum |
| Wed Jul 15 8:26:16 2009 |
Guest
What rate did they lock you .. |
Forum |
| Wed Jul 15 8:24:38 2009 |
Lee,
If you qualify for the DU Refi Plus .. |
Forum |
| Tue Jul 14 6:09:51 2009 |
Every lender will have some sort of seasoning .. |
Forum |
| Tue Jul 14 6:04:17 2009 |
.. |
Forum |
| Mon Jul 13 5:16:40 2009 |
In summary, their initial purpose was to create .. |
Forum |
| Mon Jul 13 5:09:58 2009 |
If you did not pay a lot in fees so far, then .. |
Forum |
| Mon Jul 13 5:09:18 2009 |
air, to George's point...you should be able to .. |
Forum |
| Mon Jul 13 5:06:16 2009 |
Sounds like they don't want your business. Did .. |
Forum |
| Mon Jul 13 5:02:53 2009 |
You may want to consider switching to a new .. |
Forum |
| Mon Jul 13 5:01:55 2009 |
Yes, that would be a good solution as long as you .. |
Forum |
| Mon Jul 13 4:59:53 2009 |
Which bank Did you sign a rate lock agreement .. |
Forum |
| Mon Jul 13 4:57:57 2009 |
jrc
Does that appraised value sound right to .. |
Forum |
| Mon Jul 13 4:50:56 2009 |
SIVA yes, but SIVA with super jumbo may be a .. |
Forum |
| Mon Jul 13 4:43:42 2009 |
There is no way to add her without refinancing. .. |
Forum |
| Sun Jul 12 5:38:13 2009 |
They are still available. There is a lender in .. |
Forum |
| Sun Jul 12 5:35:50 2009 |
sabt
You CAN get a no income, no asset loan in .. |
Forum |
| Sun Jul 12 5:33:24 2009 |
I agree with George. I also have another way to .. |
Forum |
| Sun Jul 12 5:26:50 2009 |
Monica,
Unfortunately, this is not the forum .. |
Forum |
| Sun Jul 12 5:23:33 2009 |
You can begin by contacting some of the qualified .. |
Forum |
| Fri Jul 10 5:50:55 2009 |
jbabek
Back out if this is not what you want. .. |
Forum |
| Wed Jul 8 5:22:05 2009 |
There are some local banks that will work with a .. |
Forum |
| Wed Jul 8 5:12:47 2009 |
It will depend upon the type of property and the .. |
Forum |
| Tue Jul 7 8:02:27 2009 |
It all depends upon how low your score is. Any .. |
Forum |
| Mon Jul 6 6:07:44 2009 |
Most banks will allow you to continue to make .. |
Forum |
| Mon Jul 6 6:02:23 2009 |
Maria
You should follow some of the simple .. |
Forum |
| Mon Jul 6 5:56:12 2009 |
It will definitely have a negative .. |
Forum |
| Mon Jul 6 5:54:42 2009 |
Your current lender is the only one who can .. |
Forum |
| Mon Jul 6 5:53:42 2009 |
Forget the new car and get your mortgage in .. |
Forum |
| Mon Jul 6 5:48:03 2009 |
Dan,
Take a look at this post. .. |
Forum |
| Mon Jul 6 5:42:40 2009 |
You are locked in. The bank or the broker will .. |
Forum |
| Mon Jul 6 5:41:06 2009 |
Just refinance it. American Home Mortgage .. |
Forum |
| Sun Jul 5 5:28:40 2009 |
It will have to be a local/regional bank. For .. |
Forum |
| Sun Jul 5 5:26:45 2009 |
36.4% should not stand in your way. It is .. |
Forum |
| Sun Jul 5 5:23:36 2009 |
There are lots of brokers/lenders right here on .. |
Forum |
| Sun Jul 5 5:16:51 2009 |
It really depends upon your situation and the .. |
Forum |
| Sun Jul 5 5:15:54 2009 |
You should really speak with a real estate .. |
Forum |
| Sun Jul 5 5:14:29 2009 |
Thanks George .. |
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| Sun Jul 5 5:12:51 2009 |
I don't think the increase in rates is any .. |
Forum |
| Sun Jul 5 5:09:23 2009 |
You really need to work with someone to get your .. |
Forum |
| Sun Jul 5 5:06:00 2009 |
I suggest that you call the bank and let them .. |
Forum |
| Sun Jul 5 5:05:11 2009 |
Not sure we can help you with refinancing a time .. |
Forum |
| Fri Jul 3 3:03:02 2009 |
You sure can just as long as you meet the other .. |
Forum |
| Wed Jul 1 5:45:38 2009 |
Today, the Obama administration announced that it .. |
Forum |
| Tue Jun 30 6:14:22 2009 |
Miller
Jumbo rates are higher. However, you .. |
Forum |
| Tue Jun 30 6:08:43 2009 |
There is a lot more that goes into your scenario. .. |
Forum |
| Tue Jun 30 6:02:44 2009 |
Let's clarify this for you...
If you receive a .. |
Forum |
| Sat Jun 27 8:40:07 2009 |
Your question has been answered .. |
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| Sat Jun 27 8:37:31 2009 |
Paul
You should really speak with a real .. |
Forum |
| Sat Jun 27 8:33:39 2009 |
I dont know George....you always seem to be .. |
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| Sat Jun 27 8:30:02 2009 |
You should speak to a tax attorney or an .. |
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| Sat Jun 27 8:28:17 2009 |
Your question was answered .. |
Forum |
| Sat Jun 27 8:26:13 2009 |
Mo,
There MAY BE a lender who will do this. .. |
Forum |
| Sat Jun 27 8:05:06 2009 |
This is total BS and is a scam. Waiting for the .. |
Forum |
| Mon Jun 22 4:04:57 2009 |
You MAY qualify. Call WaMu and see what they .. |
Forum |
| Mon Jun 22 4:03:58 2009 |
This is exactly why I am in favor of natural .. |
Forum |
| Mon Jun 22 4:00:31 2009 |
...and I swear he must have a twin brother who .. |
Forum |
| Mon Jun 22 3:55:13 2009 |
Yes, you can refinance right now (if you meet the .. |
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| Sun Jun 21 6:00:33 2009 |
llward
You already have a rate of 5%. The loan .. |
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| Sun Jun 21 5:55:41 2009 |
Your question was answered here... .. |
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| Sun Jun 21 6:09:15 2009 |
Gina
Unfortunately a co-borrower or co-signer .. |
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| Sun Jun 21 6:05:20 2009 |
It can be from him. Make sure his letter states .. |
Forum |
| Sun Jun 21 5:59:40 2009 |
gunz
No, unemployed people cannot get a loan .. |
Forum |
| Sat Jun 20 6:56:22 2009 |
Use this helpful checklist to assist you in .. |
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| Sat Jun 20 1:27:38 2009 |
Yes you can...it happens every .. |
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| Sat Jun 20 11:35:12 2009 |
Mark,
If you qualify for the DU Refi Plus .. |
Forum |
| Sat Jun 20 11:33:52 2009 |
Justina,
It is not necessarily true that you .. |
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| Sat Jun 20 11:28:54 2009 |
Welcome Jassica,
The most important thing to .. |
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| Sat Jun 20 11:23:26 2009 |
Equity in the homes will not matter. However, the .. |
Forum |
| Sat Jun 20 11:21:45 2009 |
manoj, we actually prefer when you are NOT logged .. |
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| Sat Jun 20 11:19:42 2009 |
Steve
I will assume that you meant your ARM .. |
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| Sat Jun 20 11:12:47 2009 |
Yes but you should speak to an estate attorney to .. |
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| Sat Jun 20 11:10:59 2009 |
You cannot add and remove someone's name from a .. |
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| Sat Jun 20 3:41:12 2009 |
With a very large down payment, you can still .. |
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| Sat Jun 20 3:39:51 2009 |
Your question was answered here... .. |
Forum |
| Thu Jun 18 5:50:43 2009 |
If you go back into your post and look in the .. |
Forum |
| Thu Jun 18 5:49:10 2009 |
Sunil,
Nobody has this many mortgage .. |
Forum |
| Thu Jun 18 5:45:19 2009 |
Guidelines change every week and sometimes every .. |
Forum |
| Thu Jun 18 5:43:42 2009 |
Why do you need a co-signer .. |
Forum |
| Thu Jun 18 5:41:34 2009 |
How much is your home worth today and what is .. |
Forum |
| Thu Jun 18 5:39:09 2009 |
Regardless as to whether you transfer the .. |
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| Thu Jun 18 5:37:33 2009 |
Kate, the banks go with the lowest middle score. .. |
Forum |
| Thu Jun 18 5:35:15 2009 |
Yes, having poor credit and a lot of debt would .. |
Forum |
| Thu Jun 18 5:33:20 2009 |
No, having a mortgage is a debt...not an .. |
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| Thu Jun 18 5:31:02 2009 |
90 days seems like a long time. Typically the new .. |
Forum |
| Wed Jun 17 5:45:42 2009 |
Geni
Exactly !! guys like that come and go .. |
Forum |
| Wed Jun 17 5:42:36 2009 |
I just put your numbers into my spreadsheet. The .. |
Forum |
| Wed Jun 17 5:34:38 2009 |
Yes they are still available but with regional .. |
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| Wed Jun 17 3:47:59 2009 |
The house is not liquid. You can sell it and the .. |
Forum |
| Tue Jun 16 8:44:26 2009 |
Brian
In George's defense, the market has .. |
Forum |
| Tue Jun 16 8:21:17 2009 |
Sunil,
We can no longer take you seriously. .. |
Forum |
| Tue Jun 16 7:44:29 2009 |
Sunil
Honestly, you re-posted your scenario .. |
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| Tue Jun 16 6:31:33 2009 |
I would be careful about paying anything to a .. |
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| Tue Jun 16 6:22:51 2009 |
If the lender went out of business, then there is .. |
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| Tue Jun 16 6:11:36 2009 |
The foreclosure has your wife named because she .. |
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| Tue Jun 16 6:06:23 2009 |
If they did not send him a payment coupon book or .. |
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| Tue Jun 16 6:00:13 2009 |
What kind of rate do you have right now I do not .. |
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| Tue Jun 16 5:58:10 2009 |
Yes that is a good rate .. |
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| Mon Jun 15 9:08:25 2009 |
Exec...
You must have been answering some .. |
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| Mon Jun 15 9:00:12 2009 |
There are quite a few qualified loan .. |
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| Mon Jun 15 8:58:45 2009 |
George, I am fond of that one .. |
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| Sun Jun 14 6:22:27 2009 |
If it is a purchase, then it does fall under the .. |
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| Sun Jun 14 4:06:04 2009 |
Your best bet is to put less than 20% down and .. |
Forum |
| Sun Jun 14 2:59:44 2009 |
executivemortgageadvisor
Welcome to the forum. .. |
Forum |
| Sun Jun 14 2:28:43 2009 |
You should really speak with an estate attorney .. |
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| Sun Jun 14 12:45:45 2009 |
No, that would take him off of the deed. He would .. |
Forum |
| Sun Jun 14 11:36:59 2009 |
See the following .. |
Forum |
| Sun Jun 14 11:35:11 2009 |
There is no way to tell based upon your scenario. .. |
Forum |
| Sun Jun 14 6:48:09 2009 |
Please read this .. |
Forum |
| Sun Jun 14 6:46:24 2009 |
I believe your quesiton was answered .. |
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| Sun Jun 14 6:40:53 2009 |
Sunil,
First of all, your suggestion of a .. |
Forum |
| Sun Jun 14 6:34:33 2009 |
It is definitely the wrong forum, however you .. |
Forum |
| Sat Jun 13 6:27:28 2009 |
Is prostitution legal in your state
Seriously, .. |
Forum |
| Sat Jun 13 6:24:31 2009 |
Sunil, you keep asking the same questions day .. |
Forum |
| Sat Jun 13 6:23:20 2009 |
There is a form called the rate lock agreement .. |
Forum |
| Sat Jun 13 6:20:20 2009 |
Karin, get your attorney working on this right .. |
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| Sat Jun 13 6:16:27 2009 |
That is asking a lot. Seems like a .. |
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| Sat Jun 13 6:14:55 2009 |
It could take as long as a few .. |
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| Sat Jun 13 6:14:20 2009 |
Borrowing from your 401k should not lower your .. |
Forum |
| Sat Jun 13 3:40:07 2009 |
Mike
I have to be honest with you.....walk .. |
Forum |
| Sat Jun 13 3:32:09 2009 |
SFRenter
What you really need is a .. |
Forum |
| Sat Jun 13 3:26:28 2009 |
Welcome Sara. I see you have already posted a few .. |
Forum |
| Sat Jun 13 3:24:52 2009 |
Thirty days is not a very long time. Also, was it .. |
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| Sat Jun 13 3:22:41 2009 |
Yes you can....happens every .. |
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| Fri Jun 12 8:04:06 2009 |
George
Katie Clinton is posting all of those .. |
Forum |
| Fri Jun 12 7:54:26 2009 |
Sunil, thanks for adding clarity.. .. |
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| Fri Jun 12 7:50:33 2009 |
I agree with George that this is probably a good .. |
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| Fri Jun 12 7:44:02 2009 |
George,
I hope we are not speaking to the .. |
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| Fri Jun 12 7:42:39 2009 |
Sell the .. |
Forum |
| Fri Jun 12 7:41:23 2009 |
If you want to change your loan to a "cash .. |
Forum |
| Fri Jun 12 7:32:13 2009 |
Your partner should get the mortgage solely and .. |
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| Fri Jun 12 7:24:37 2009 |
Not really sure what your question .. |
Forum |
| Fri Jun 12 7:22:13 2009 |
Carol, what is the home worth now as .. |
Forum |
| Fri Jun 12 7:03:16 2009 |
In many instances, your lender would waive the .. |
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| Thu Jun 11 8:14:29 2009 |
Brian...90 days come on .. |
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| Thu Jun 11 7:52:03 2009 |
good chance...call a lawyer. It is not really a .. |
Forum |
| Thu Jun 11 7:47:41 2009 |
I agree with Scott in that it would be nearly .. |
Forum |
| Thu Jun 11 7:37:52 2009 |
Well, you should have been able to finance both .. |
Forum |
| Thu Jun 11 7:29:52 2009 |
Yes this is legal. It happens a lot now. Lenders .. |
Forum |
| Thu Jun 11 7:21:34 2009 |
It really all depends upon the lender and your .. |
Forum |
| Thu Jun 11 7:19:08 2009 |
The 1003 is the mortgage application .. |
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| Wed Jun 10 7:25:45 2009 |
Londar, they are all but gone now. However, there .. |
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| Wed Jun 10 6:38:33 2009 |
Why would they reduce principal balances .. |
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| Wed Jun 10 11:16:49 2009 |
You will probably need to have them sign the quit .. |
Forum |
| Tue Jun 9 7:43:04 2009 |
Heraldo, it is NOT a good idea. Co-signing .. |
Forum |
| Tue Jun 9 7:12:27 2009 |
The quit claim deed would essentially accomplish .. |
Forum |
| Tue Jun 9 7:00:08 2009 |
He cannot hurt your credit if his name is on the .. |
Forum |
| Mon Jun 8 7:25:29 2009 |
Dew, what rate are they offering you Are you .. |
Forum |
| Mon Jun 8 7:22:26 2009 |
Get in front of the judge again. That will .. |
Forum |
| Mon Jun 8 5:23:52 2009 |
Daniel,
Your questions are very general and .. |
Forum |
| Mon Jun 8 4:59:24 2009 |
I do not think any of you understand the point. .. |
Forum |
| Mon Jun 8 4:18:30 2009 |
The quit claim simply changes who is referenced .. |
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| Mon Jun 8 3:53:23 2009 |
kb
There is the possibility that you could get .. |
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| Mon Jun 8 9:32:32 2009 |
Have you been working with a loan officer That .. |
Forum |
| Mon Jun 8 9:23:27 2009 |
Robert, I do not understand the question. Please .. |
Forum |
| Mon Jun 8 5:19:08 2009 |
It is definitely legal. You can hire someone to .. |
Forum |
| Mon Jun 8 5:14:53 2009 |
CW
A few questions for you..
1. How much is .. |
Forum |
| Mon Jun 8 5:12:40 2009 |
Motown, you posted essentially the same question .. |
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| Mon Jun 8 5:11:44 2009 |
Hard times, how much would a home like yours rent .. |
Forum |
| Sun Jun 7 7:54:34 2009 |
Absolutely. You will pay off the loan much faster .. |
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| Sun Jun 7 6:27:35 2009 |
You will have to sell it to her. If you are .. |
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| Sun Jun 7 5:43:15 2009 |
I am not sure of the exact link. However, you can .. |
Forum |
| Sun Jun 7 3:04:49 2009 |
What is your interest rate right .. |
Forum |
| Sun Jun 7 3:02:53 2009 |
I think your interest rate is low. They will not .. |
Forum |
| Sun Jun 7 9:33:31 2009 |
I suggest reading the specifics of the 401k .. |
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| Sat Jun 6 6:56:19 2009 |
You may not know it. However, you can check the .. |
Forum |
| Sat Jun 6 6:41:23 2009 |
You will probably lose the .. |
Forum |
| Sat Jun 6 4:55:13 2009 |
Do your best to hang in there. See if either .. |
Forum |
| Sat Jun 6 4:44:59 2009 |
Get an attorney to draw up a contract between the .. |
Forum |
| Sat Jun 6 2:16:36 2009 |
There are some banks that will work with scores .. |
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| Sat Jun 6 2:12:42 2009 |
Junay, yes you can as long as you can qualify on .. |
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| Sat Jun 6 12:45:01 2009 |
No sunil, there isn't.....none that I know .. |
Forum |
| Sat Jun 6 9:30:07 2009 |
There have been many posts on this topic so it .. |
Forum |
| Sat Jun 6 8:48:25 2009 |
Yes, it happens every day. That is a good .. |
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| Sat Jun 6 7:05:04 2009 |
You should contact the sheriff's office (or .. |
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| Sat Jun 6 6:42:48 2009 |
I do not think they will find out about that .. |
Forum |
| Fri Jun 5 4:56:23 2009 |
Be careful not to weigh your decisions based upon .. |
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| Fri Jun 5 4:06:14 2009 |
The best thing for you to do is hire your own .. |
Forum |
| Fri Jun 5 3:49:09 2009 |
It is difficult to follow you. How can a bank .. |
Forum |
| Fri Jun 5 3:29:49 2009 |
Grouper, it really depends upon your total debt .. |
Forum |
| Fri Jun 5 3:26:57 2009 |
I have to agree with George regarding what people .. |
Forum |
| Fri Jun 5 3:23:13 2009 |
Just check with one of the lenders here on this .. |
Forum |
| Fri Jun 5 11:14:25 2009 |
jgrichardson,
The blended rate of 7.5% screams .. |
Forum |
| Fri Jun 5 11:07:00 2009 |
Didn't you use an attorney during the transaction .. |
Forum |
| Fri Jun 5 10:42:43 2009 |
Credit card company cannot foreclose on the home. .. |
Forum |
| Fri Jun 5 10:41:01 2009 |
What is your interest rate now You can .. |
Forum |
| Fri Jun 5 9:08:16 2009 |
Go to town hall and look up the records. It is .. |
Forum |
| Fri Jun 5 9:07:23 2009 |
I am unaware of a bank that will offer a second .. |
Forum |
| Fri Jun 5 9:05:47 2009 |
Hopefully you collected a security deposit up .. |
Forum |
| Fri Jun 5 9:02:44 2009 |
The first thing you can do is make some mortgage .. |
Forum |
| Fri Jun 5 9:00:51 2009 |
If you are saying that there is a federal tax .. |
Forum |
| Fri Jun 5 8:57:10 2009 |
I believe that if you purchase the home on your .. |
Forum |
| Thu Jun 4 3:33:25 2009 |
This should not be a problem as long as your .. |
Forum |
| Wed Jun 3 5:59:13 2009 |
The best they can do is lower your interest rate .. |
Forum |
| Wed Jun 3 5:56:30 2009 |
HE can qualify. To make this work, only your .. |
Forum |
| Wed Jun 3 5:54:18 2009 |
Matthew,
It is hard enough finding a stated .. |
Forum |
| Wed Jun 3 5:44:16 2009 |
Scott, that is correct. It is not a deduction .. |
Forum |
| Mon Jun 1 8:16:41 2009 |
Eleanor
Who are you referring to Do you need .. |
Forum |
| Mon Jun 1 8:13:06 2009 |
No, they cannot come after your primary .. |
Forum |
| Mon Jun 1 8:12:23 2009 |
It all depends...
If the debt is not paid and .. |
Forum |
| Mon Jun 1 9:07:24 2009 |
Check with an estate attorney in your .. |
Forum |
| Mon Jun 1 8:58:27 2009 |
Helga,
There are two issues...
1. What .. |
Forum |
| Sat May 30 5:30:47 2009 |
I agree, most will not lend if the home is listed .. |
Forum |
| Sat May 30 5:20:36 2009 |
Tamara,
When they run your credit score, they .. |
Forum |
| Sat May 30 4:46:21 2009 |
debwilt
You definitely should wait until the .. |
Forum |
| Fri May 29 7:38:27 2009 |
Yes you can call it off. Did you pay anything .. |
Forum |
| Fri May 29 7:29:01 2009 |
Maybe 25 or 30% down with a stated income .. |
Forum |
| Fri May 29 7:17:13 2009 |
Exactly....and if you are in California, I only .. |
Forum |
| Fri May 29 7:15:52 2009 |
Jenny,
I highly suggest that he is the only .. |
Forum |
| Thu May 28 7:07:11 2009 |
Gabe, there are lenders who will allow up to 10 .. |
Forum |
| Thu May 28 6:57:41 2009 |
No, you cannot use the score from one person and .. |
Forum |
| Thu May 28 6:53:24 2009 |
You are probably in the driver's seat here .. |
Forum |
| Thu May 28 6:37:21 2009 |
Matty
It really does not matter. What matters .. |
Forum |
| Thu May 28 6:28:50 2009 |
George,
I think you are wasting your time .. |
Forum |
| Thu May 28 6:08:12 2009 |
How much can you rent one of those $5k homes for .. |
Forum |
| Thu May 28 5:58:34 2009 |
Carry
There are two issues here...
1. In .. |
Forum |
| Thu May 28 5:54:29 2009 |
You will need to check the guidelines for your .. |
Forum |
| Thu May 28 5:53:26 2009 |
It sounds like you should get in front of the .. |
Forum |
| Tue May 26 7:47:26 2009 |
Rely
Those costs are not outrageous. In fact, .. |
Forum |
| Tue May 26 7:40:44 2009 |
George's suggestion to downsize makes the most .. |
Forum |
| Tue May 26 7:19:28 2009 |
What is your question Are you asking what .. |
Forum |
| Tue May 26 7:17:04 2009 |
Terri,
Absolutely. Let me know if you need an .. |
Forum |
| Tue May 26 7:09:46 2009 |
James,
I think she needs to purchase the .. |
Forum |
| Mon May 25 12:19:33 2009 |
Matt
The best scenario for you would be to .. |
Forum |
| Mon May 25 11:57:06 2009 |
Not sure what you are trying to accomplish. Are .. |
Forum |
| Mon May 25 11:52:36 2009 |
You are in good shape. Would love to know more .. |
Forum |
| Mon May 25 11:50:44 2009 |
ryno,
There MAY be a lender who would make .. |
Forum |
| Mon May 25 11:47:26 2009 |
Have an attorney draw up a contract between the .. |
Forum |
| Mon May 25 11:45:23 2009 |
Did you hire an attorney to handle this purchase .. |
Forum |
| Mon May 25 11:42:00 2009 |
Not sure what you mean by "overhead .. |
Forum |
| Mon May 25 11:34:37 2009 |
If she is walking away from the payments, then I .. |
Forum |
| Mon May 25 11:31:54 2009 |
You can sell the home but the proceeds will be .. |
Forum |
| Sun May 24 6:12:06 2009 |
If your loan is currently with Fannie Mae, then .. |
Forum |
| Sun May 24 6:06:29 2009 |
Please be more .. |
Forum |
| Sun May 24 6:05:28 2009 |
You can typically get an extension on the .. |
Forum |
| Sun May 24 6:02:41 2009 |
You are right...you need a lawyer at this .. |
Forum |
| Sun May 24 5:55:37 2009 |
1. Sure there were people who predicted the .. |
Forum |
| Sun May 24 5:44:41 2009 |
Mrs M, this is a stretch for Mike. He has only .. |
Forum |
| Sun May 24 5:38:57 2009 |
Depending upon the scenario, you MAY qualify for .. |
Forum |
| Sun May 24 5:37:19 2009 |
Honestly, it may be better to rent for at least .. |
Forum |
| Sun May 24 5:33:41 2009 |
These are questions that should be directed .. |
Forum |
| Sun May 24 5:25:35 2009 |
You would have to make the owner an offer. .. |
Forum |
| Sat May 23 5:56:04 2009 |
I agree with George. Find someone else. There are .. |
Forum |
| Sat May 23 5:51:03 2009 |
I happen to like both Almond Joy and Mounds .. |
Forum |
| Sat May 23 5:50:06 2009 |
You can refinance if there is enough equity to .. |
Forum |
| Sat May 23 5:45:49 2009 |
I suggest that you continue to make your payments .. |
Forum |
| Sat May 23 5:39:09 2009 |
Please visit the mortgage guide here on this .. |
Forum |
| Sat May 23 5:38:11 2009 |
I think that is a fine idea. Keep saving your .. |
Forum |
| Sat May 23 5:34:59 2009 |
In addition, your down payment requirements will .. |
Forum |
| Thu May 21 6:15:06 2009 |
30% LTV That is unbelievable. Where are you .. |
Forum |
| Thu May 21 6:13:19 2009 |
That Fannie product is called DU Refi Plus. It .. |
Forum |
| Thu May 21 6:00:11 2009 |
That question is one you should pose to your .. |
Forum |
| Thu May 21 5:50:44 2009 |
Wow...George must be starting his long weekend .. |
Forum |
| Thu May 21 5:49:07 2009 |
With certain banks, I have seen pricing .. |
Forum |
| Wed May 20 6:08:51 2009 |
The law here is all based upon what the divorce .. |
Forum |
| Wed May 20 6:06:13 2009 |
This is a common theme. Too many people co-sign .. |
Forum |
| Wed May 20 5:52:50 2009 |
Your rate (5%) is still really good. So, if you .. |
Forum |
| Wed May 20 5:50:25 2009 |
You can start by telling us what the value of .. |
Forum |
| Sat May 16 8:18:20 2009 |
Tabitha
yes I would do it if you can afford .. |
Forum |
| Sat May 16 8:15:47 2009 |
Need more details. Do you have a good faith .. |
Forum |
| Sat May 16 8:15:04 2009 |
You need to document the problem. Provide copies .. |
Forum |
| Sat May 16 8:12:02 2009 |
No way of knowing what you qualify for without .. |
Forum |
| Fri May 15 11:27:50 2009 |
Hmmmm well you are well under water. Are you able .. |
Forum |
| Fri May 15 11:17:04 2009 |
Delia,
I sent you a .. |
Forum |
| Fri May 15 10:57:17 2009 |
What is the outstanding balance and what is the .. |
Forum |
| Fri May 15 10:55:38 2009 |
There are some lenders who would be willing to go .. |
Forum |
| Fri May 15 10:53:09 2009 |
This is really not the right forum for your .. |
Forum |
| Fri May 15 10:51:34 2009 |
Joking of course .. |
Forum |
| Fri May 15 10:47:54 2009 |
"loan officers falling all over each other .. |
Forum |
| Fri May 15 10:40:37 2009 |
Woody, I agree. Too many stories about companies .. |
Forum |
| Fri May 15 10:32:53 2009 |
The best bet is for you to deal with the lender .. |
Forum |
| Thu May 14 12:10:12 2009 |
The deciding factor will be how long it will take .. |
Forum |
| Thu May 14 9:29:22 2009 |
George, it seems to be very common with .. |
Forum |
| Thu May 14 9:18:21 2009 |
whatever, can you qualify for a mortgage on your .. |
Forum |
| Thu May 14 9:13:57 2009 |
You are referring to RESIDENTIAL vs .. |
Forum |
| Thu May 14 9:03:22 2009 |
Ask the neighbor to produce a copy of the survey. .. |
Forum |
| Thu May 14 9:00:52 2009 |
If you have $150k in cash, then I would consider .. |
Forum |
| Thu May 14 8:56:08 2009 |
I know lenders who will finance a manufactured .. |
Forum |
| Wed May 13 7:49:36 2009 |
It is possible, but more details will be required .. |
Forum |
| Wed May 13 7:39:57 2009 |
Post .. |
Forum |
| Wed May 13 7:31:08 2009 |
Did you tell them that you have savings I hope .. |
Forum |
| Wed May 13 7:29:46 2009 |
...and I am (10%to the second power) sure that .. |
Forum |
| Wed May 13 7:10:20 2009 |
It should have no impact unless you put up your .. |
Forum |
| Wed May 13 7:09:23 2009 |
I am sitting here wondering how your closing .. |
Forum |
| Wed May 13 6:21:52 2009 |
It sounds like you need to get in front of the .. |
Forum |
| Wed May 13 6:16:09 2009 |
I think your best bet here is to find a place .. |
Forum |
| Wed May 13 6:14:02 2009 |
First you need to find out from the lender .. |
Forum |
| Tue May 12 8:10:44 2009 |
One day, I am going to copy these responses and .. |
Forum |
| Tue May 12 8:08:13 2009 |
I think my popper just broke on that last .. |
Forum |
| Tue May 12 7:54:39 2009 |
No, it is all or none. If you remove her all .. |
Forum |
| Tue May 12 7:51:34 2009 |
George, good point.....the credit requirements .. |
Forum |
| Tue May 12 7:48:56 2009 |
Under these conditions, it would make much more .. |
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| Tue May 12 7:45:21 2009 |
Yes, there are a few lenders who will allow up to .. |
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| Mon May 11 1:45:34 2009 |
They are just trying to cozy up to .. |
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| Mon May 11 1:37:23 2009 |
I am entertained when I see some incoherent .. |
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| Mon May 11 1:32:56 2009 |
Some banks are actually pricing their ARMs higher .. |
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| Mon May 11 1:31:46 2009 |
Stephanie
This still comes back to what many .. |
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| Sat May 9 6:40:20 2009 |
Look into refinancing and combining both loans. .. |
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| Sat May 9 6:37:33 2009 |
Some mortgage professionals here on the forum .. |
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| Sat May 9 6:26:18 2009 |
There are a few other options in addition to .. |
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| Sat May 9 6:13:14 2009 |
No, do not walk away. Keep making your .. |
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| Sat May 9 6:03:17 2009 |
it is amazing how many people want to run away .. |
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| Sat May 9 5:55:47 2009 |
No, they cannot come after your wife. What town .. |
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| Sat May 9 5:54:44 2009 |
If you are paying the mortgage and continue to do .. |
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| Sat May 9 5:49:38 2009 |
Absolutely....
If she can qualify for the .. |
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| Sat May 9 5:46:26 2009 |
"advice that makes sense to .. |
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| Sat May 9 5:42:41 2009 |
This is wonderful entertainment. I am going to .. |
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| Sat May 9 5:38:30 2009 |
That is really a question for a tax professional. .. |
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| Sat May 9 5:33:01 2009 |
Scott, there is also a program called the .. |
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| Thu May 7 7:47:10 2009 |
Aside from tricking the bank...I hope you have a .. |
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| Thu May 7 7:44:47 2009 |
Home Affordable Plan Mortgage NJ .. |
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| Thu May 7 7:37:40 2009 |
George stop .. |
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| Thu May 7 7:30:33 2009 |
Yes you CAN take his name off of the deed. You .. |
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| Thu May 7 7:28:35 2009 |
I deleted his post George...that guy is a .. |
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| Thu May 7 7:06:47 2009 |
eaivan
Do you have retirement income We would .. |
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| Thu May 7 6:58:11 2009 |
scarface, there are many lenders here on the site .. |
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| Thu May 7 6:50:12 2009 |
You are correct, it means that the owners are .. |
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| Thu May 7 6:40:34 2009 |
It is POSSIBLE that your kids would qualify for .. |
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| Thu May 7 6:29:49 2009 |
You really need to convince the relative to sign .. |
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| Thu May 7 6:25:44 2009 |
I think it is possible to find a lender who will .. |
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| Thu May 7 6:22:41 2009 |
You MAY be able to refinance, cash out the money, .. |
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| Thu May 7 6:20:04 2009 |
If the property transfers to you then you would .. |
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| Thu May 7 6:04:24 2009 |
Not only that, but if you have outstanding .. |
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| Thu May 7 6:01:41 2009 |
I believe this was answered on your OTHER .. |
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| Thu May 7 5:57:36 2009 |
I believe it is an "all or none" .. |
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| Thu May 7 5:54:02 2009 |
Call the bank and ask to speak with someone in .. |
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| Tue May 5 7:46:58 2009 |
My suggestion would be to speak with a local .. |
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| Mon May 4 7:01:23 2009 |
That should be no problem. Most lenders will do .. |
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| Mon May 4 6:21:42 2009 |
Yes you should get a lawyer. Is your name on the .. |
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| Mon May 4 6:20:15 2009 |
I have someone at Suntrust looking into that. .. |
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| Mon May 4 6:07:33 2009 |
CG
If he has not held up his end of the .. |
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| Mon May 4 6:04:30 2009 |
Even if you were to find someone who will allow .. |
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| Mon May 4 4:30:48 2009 |
I would definately consider renting the home. .. |
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| Mon May 4 4:21:25 2009 |
Not only will you have to purchase mortgage .. |
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| Mon May 4 4:16:36 2009 |
Laura
You definately should have been working .. |
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| Fri May 1 5:24:53 2009 |
At this point I would just wait until the end of .. |
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| Fri May 1 4:49:45 2009 |
James, 110% Who is .. |
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| Fri May 1 4:37:46 2009 |
I work with a lender in California who still .. |
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| Fri May 1 4:34:39 2009 |
Many of the 40 yr programs have interest rates .. |
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| Fri May 1 4:31:51 2009 |
I agree with George...I would not walk away after .. |
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| Fri May 1 4:24:00 2009 |
Thanks George .. |
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| Fri May 1 4:18:59 2009 |
It almost sounds like this home may be yours .. |
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| Fri May 1 4:15:03 2009 |
It sounds to me like she was trying to sell her .. |
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| Fri May 1 4:09:43 2009 |
I wrote a very complicated loan program in excel .. |
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| Thu Apr 30 6:13:34 2009 |
Yes your husband can be the only person on the .. |
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| Thu Apr 30 6:08:30 2009 |
What is your definition of bad credit Do you know .. |
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| Thu Apr 30 6:01:26 2009 |
You MAY qualify but there are other .. |
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| Thu Apr 30 5:46:53 2009 |
Joann,
No, there is no chance you will get .. |
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| Thu Apr 30 5:40:12 2009 |
If you buy the property and only you are on the .. |
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| Wed Apr 29 6:13:58 2009 |
I agree, you should move onto a new loan officer. .. |
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| Wed Apr 29 5:50:57 2009 |
Ryan
I have never heard of marking people late .. |
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| Wed Apr 29 5:46:46 2009 |
I have seen a couple of banks raise their credit .. |
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| Wed Apr 29 5:40:29 2009 |
Scooter be careful. I do not like your APR being .. |
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| Tue Apr 28 8:21:17 2009 |
cdloanmod
I understand what you are saying, .. |
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| Tue Apr 28 8:14:45 2009 |
For this program to truly be a success, FNMA .. |
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| Tue Apr 28 8:03:36 2009 |
Keep posting and tell everyone you know about .. |
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| Tue Apr 28 7:58:18 2009 |
In addition, you asked how the estate would be .. |
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| Mon Apr 27 6:39:09 2009 |
Do you have a lease or do you rent month to .. |
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| Mon Apr 27 12:25:25 2009 |
Pequi
Please disregard that incoherent post. .. |
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| Mon Apr 27 12:10:22 2009 |
DU Refi Plus will help but only of the loan to .. |
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| Mon Apr 27 11:22:47 2009 |
It is called a construction lien. He should hire .. |
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| Sun Apr 26 6:13:01 2009 |
Every bank will handle that differently. Some may .. |
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| Sun Apr 26 5:21:57 2009 |
3wheeler,
Make sure you have the right type .. |
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| Sat Apr 25 8:55:22 2009 |
credit cards smoke Can you explain .. |
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| Sat Apr 25 8:52:52 2009 |
I would like to buy something from .. |
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| Sat Apr 25 8:20:08 2009 |
If you are able to make the payments, then your .. |
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| Sat Apr 25 8:04:09 2009 |
Christine, let us know what those terms .. |
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| Sat Apr 25 7:45:58 2009 |
pequi
From what I have seen (others may have a .. |
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| Sat Apr 25 7:39:19 2009 |
They all will want to see your FICO when applying .. |
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| Sat Apr 25 7:34:42 2009 |
It seems like you do need another attorney. Find .. |
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| Sat Apr 25 8:53:34 2009 |
It is tough to give sound advice without knowing .. |
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| Sat Apr 25 8:43:35 2009 |
Jason
Quite a few of us here on the forum can .. |
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| Sat Apr 25 8:37:54 2009 |
Thanks everyone ! If granted permission to be .. |
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| Fri Apr 24 6:57:22 2009 |
That is simply umbelievable. Posts like that ruin .. |
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| Tue Apr 21 4:46:48 2009 |
I cannot believe the number of people spending up .. |
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| Tue Apr 21 4:42:12 2009 |
God help us .. |
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| Tue Apr 21 4:40:01 2009 |
Not if you can still make the payments. Why .. |
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| Tue Apr 21 4:35:31 2009 |
Great advice George .. |
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| Tue Apr 21 4:26:44 2009 |
Typically I would not mention the name of the .. |
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| Tue Apr 21 4:24:07 2009 |
You should also be prepared to document (prove) .. |
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| Tue Apr 21 4:22:00 2009 |
You should speak with an attorney who specializes .. |
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| Tue Apr 21 4:18:26 2009 |
You need to hire an .. |
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| Tue Apr 21 4:01:22 2009 |
Ashley,
Thanks for detailing this for .. |
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| Mon Apr 20 6:41:23 2009 |
There are some lenders which will allow only 6 .. |
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| Mon Apr 20 6:34:42 2009 |
First of all, I definately recommend that you .. |
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| Mon Apr 20 6:22:02 2009 |
Your mom should get an attorney to handle this .. |
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| Mon Apr 20 6:20:21 2009 |
I have a feeling this is the same topic that was .. |
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| Mon Apr 20 6:15:05 2009 |
Not a scam. They will most likely try to get you .. |
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| Mon Apr 20 6:13:10 2009 |
Yes you did George. This is why there are .. |
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| Mon Apr 20 5:51:18 2009 |
Yes you would have to wait until 2010. Did your .. |
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| Mon Apr 20 5:49:52 2009 |
taw62
This loan should not be a problem. I .. |
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| Mon Apr 20 5:44:46 2009 |
Holm, it can be handled either .. |
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| Mon Apr 20 5:42:51 2009 |
It is attorney .. |
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| Mon Apr 20 5:40:23 2009 |
I am going through my virtual rolodex too. Will .. |
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| Mon Apr 20 5:37:20 2009 |
Make sure you get a good faith estimate. Cross .. |
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| Mon Apr 20 5:32:57 2009 |
If you invite a co-borrower to the equation to .. |
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| Mon Apr 20 5:29:12 2009 |
He is right in that it often is considered a cash .. |
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| Mon Apr 20 5:27:19 2009 |
This is a mortgage site. Your best bet is to find .. |
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| Sat Apr 18 7:53:13 2009 |
Jersey Doug
I am in NJ and know of a couple of .. |
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| Sat Apr 18 7:50:03 2009 |
Some additional info...
Many banks are .. |
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| Sat Apr 18 7:18:02 2009 |
Wow you have an interest only loan and still have .. |
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| Sat Apr 18 7:10:53 2009 |
What matters is the HUD that you signed at .. |
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| Sat Apr 18 7:04:02 2009 |
Your loan to value ratio is good and so are your .. |
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| Sat Apr 18 6:59:23 2009 |
Beth,
The note is a contract. It does not .. |
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| Sat Apr 18 6:12:35 2009 |
I am licensed in NJ and have originated a few .. |
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| Sat Apr 18 6:04:00 2009 |
I agree with George on all points especially the .. |
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| Sat Apr 18 5:51:58 2009 |
Once again, original question was long ago. How .. |
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| Sat Apr 18 5:50:19 2009 |
I dont think we will hear from him. The original .. |
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| Sat Apr 18 5:45:41 2009 |
George, a couple of months ago the guy sent me a .. |
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| Wed Apr 15 7:35:17 2009 |
I have never heard of that. They check to see if .. |
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| Wed Apr 15 7:08:53 2009 |
It looks like George was using a 45% debt to .. |
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| Wed Apr 15 6:58:07 2009 |
Karla
The initial details that I received on .. |
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| Wed Apr 15 6:49:20 2009 |
George, I never really watch Bones and I am also .. |
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| Wed Apr 15 6:31:49 2009 |
I think the seller is just unclear as to how this .. |
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| Wed Apr 15 6:22:05 2009 |
Scott, I agree. I have been watching this for .. |
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| Mon Apr 13 1:34:22 2009 |
So if I understand you correctly, the problem is .. |
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| Mon Apr 13 1:10:02 2009 |
Yes this is standard. If you purchased the home .. |
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| Mon Apr 13 1:07:50 2009 |
Sonya
Read through all of the helpful .. |
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| Mon Apr 13 1:03:59 2009 |
Well, since the question was posed here, I will .. |
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| Mon Apr 13 12:59:47 2009 |
JT, pay off those medical bills and call your .. |
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| Mon Apr 13 12:51:50 2009 |
See my response above.....no added benefit for .. |
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| Thu Apr 2 6:01:56 2009 |
Cali,
Something else you can do in addition to .. |
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| Thu Apr 2 5:50:38 2009 |
I think he needs a .. |
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| Thu Apr 2 5:47:19 2009 |
I must be on candid .. |
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| Thu Apr 2 5:41:24 2009 |
I don't think we are in Kansas anymore .. |
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| Thu Apr 2 5:39:08 2009 |
We really need someone to delete some of these .. |
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| Thu Apr 2 5:35:05 2009 |
I think chtnggd is either heavily medicated or .. |
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| Wed Apr 1 6:41:50 2009 |
Get an attorney to handle the transaction. He/she .. |
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| Wed Apr 1 6:01:40 2009 |
Well, I can tell from his picture that he must .. |
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| Wed Apr 1 5:48:45 2009 |
George, there is actually someone here posting .. |
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| Wed Apr 1 5:43:01 2009 |
A key component will also be how long you plan to .. |
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| Wed Apr 1 4:01:20 2009 |
D,
You have a current mortgage on your home .. |
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| Mon Mar 30 7:35:12 2009 |
I agree with George and would suggest you stay .. |
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| Mon Mar 30 7:30:31 2009 |
In addition, I have a feeling that the ratios .. |
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| Mon Mar 30 7:21:01 2009 |
I am glad I could entertain you George...I will .. |
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| Mon Mar 30 7:11:21 2009 |
It sounds like you may need a stated income .. |
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| Mon Mar 30 6:58:36 2009 |
I agree with all of the rip offs out there. .. |
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| Sun Mar 29 8:06:30 2009 |
If the bank is selling a property, it is not .. |
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| Sun Mar 29 7:53:17 2009 |
Read the fine print on your loan modification .. |
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| Sun Mar 29 7:51:05 2009 |
Why are you desperate I do not see any .. |
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| Sun Mar 29 7:48:25 2009 |
My suggestion to you would be to refinance your .. |
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| Sun Mar 29 7:38:47 2009 |
I also agree...the fees are .. |
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| Sun Mar 29 7:37:10 2009 |
My suggestion to you will not only help you in .. |
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| Sun Mar 29 7:32:14 2009 |
ok let me make a suggestion...
Don't buy right .. |
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| Sun Mar 29 7:26:31 2009 |
Maybe I can bring some clarification to the .. |
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| Sun Mar 29 7:22:30 2009 |
I went to a comedy club last night. In .. |
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| Sun Mar 29 7:19:20 2009 |
Some banks allow only 6 months seasoning as .. |
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| Sun Mar 29 7:16:40 2009 |
It is all figured into your qualifying ratios. .. |
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| Sun Mar 29 7:11:57 2009 |
So you have the ability to pay the taxes but are .. |
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| Sun Mar 29 7:09:27 2009 |
I do not believe you will .. |
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| Sun Mar 29 7:02:24 2009 |
I can see escrows being higher since taxes often .. |
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| Sun Mar 29 7:00:15 2009 |
ahhh right...sorry .. |
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| Sun Mar 29 6:57:29 2009 |
I am still scratching my head chtnggd. You dont .. |
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| Sun Mar 29 6:54:56 2009 |
George
Not sure which is worse.....
1. Trying .. |
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| Fri Mar 27 6:37:49 2009 |
I agree with George, the condotel is a serious .. |
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| Fri Mar 27 6:32:49 2009 |
You should check with your accountant on that. On .. |
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| Fri Mar 27 6:21:55 2009 |
You will need to verify a few things...
1. your .. |
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| Fri Mar 27 6:09:59 2009 |
Ashley, he MAY qualify for the DU REFI PLUS .. |
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| Fri Mar 27 5:51:46 2009 |
Lew, that sounds VERY HIGH. Speak to a few other .. |
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| Fri Mar 27 5:50:15 2009 |
I agree, we need a lot more info before we can .. |
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| Fri Mar 27 5:47:39 2009 |
Depending upon your scenario, you would be able .. |
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| Mon Mar 23 5:47:08 2009 |
Most lenders will not modify the loan from an ARM .. |
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| Mon Mar 23 5:43:09 2009 |
Kerry, if you qualify, then yes you .. |
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| Sat Mar 21 5:37:13 2009 |
If you are able to make the payments, then why is .. |
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| Sat Mar 21 5:35:25 2009 |
yes that IS a good plan. Just wondering .. |
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| Sat Mar 21 5:33:37 2009 |
I really hope he answers you George....this will .. |
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| Sat Mar 21 5:29:48 2009 |
you posted this question twice, your question was .. |
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| Sat Mar 21 5:29:02 2009 |
deby...ABSOLUTELY ! Your credit score is a major .. |
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| Sat Mar 21 5:26:39 2009 |
Send as much as you can each month. Your interest .. |
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| Sat Mar 21 5:22:12 2009 |
What were you doing before you started work one .. |
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| Sat Mar 21 5:21:14 2009 |
Honestly, I am NOT a fan of using a co-signer. .. |
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| Sat Mar 21 5:16:43 2009 |
If you have a copy of the signed agreement, then .. |
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| Sat Mar 21 5:10:07 2009 |
I have seen both scenarios. In some instances .. |
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| Sat Mar 21 5:05:48 2009 |
Wow a little too much "joe" up there... .. |
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| Sat Mar 21 5:00:49 2009 |
I do that at least once per week. I think that is .. |
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| Sat Mar 21 4:56:04 2009 |
You should definately take out the second .. |
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| Sat Mar 21 4:51:50 2009 |
Some attorneys will work for free initially and .. |
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| Fri Mar 20 6:50:06 2009 |
You can search the Mortgage Guide here at .. |
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| Fri Mar 20 6:45:38 2009 |
Need to know what your interest rate is before we .. |
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| Fri Mar 20 6:44:20 2009 |
No, you would need to sign a document which means .. |
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| Mon Mar 16 7:50:55 2009 |
Where are the properties .. |
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| Mon Mar 16 7:42:25 2009 |
Each lender is different. You may have to wait as .. |
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| Mon Mar 16 7:27:25 2009 |
I question whether Mortgage man can help himself .. |
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| Mon Mar 16 6:04:28 2009 |
Foreclosure, ruined credit, etc .. |
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| Mon Mar 16 6:02:53 2009 |
Guidelines are changing and you should be able to .. |
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| Mon Mar 16 5:57:35 2009 |
You would have to add someone to the deed and .. |
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| Mon Mar 16 5:51:50 2009 |
If he was unemployed due to his tour in .. |
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| Mon Mar 16 5:48:20 2009 |
You need to see if you can get your bank to .. |
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| Sat Mar 14 6:30:56 2009 |
I dont think it really matters. The property is .. |
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| Sat Mar 14 6:24:22 2009 |
So that is it No other details What rate What is .. |
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| Sat Mar 14 6:21:52 2009 |
If you can afford the payments, then keep making .. |
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| Sat Mar 14 6:17:55 2009 |
You are not supposed to have three loans on your .. |
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| Sat Mar 14 6:01:35 2009 |
It seems that you may make enough money to cover .. |
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| Sat Mar 14 5:39:41 2009 |
I will also chime in and say "red .. |
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| Sat Mar 14 5:31:45 2009 |
garyandjoy cannot refinance since they are upside .. |
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| Sat Mar 14 5:25:46 2009 |
Would also need to know what your interest rate .. |
Forum |
| Sat Mar 14 5:23:31 2009 |
I am seeing way to many posts from people who .. |
Forum |
| Sat Mar 14 5:20:12 2009 |
Your first move would be to try to get your .. |
Forum |
| Sat Mar 14 5:17:36 2009 |
I agree with Nathan on purchasing a modular as .. |
Forum |
| Sat Mar 14 5:15:12 2009 |
I am not a fan of the bi-weekly plan. It FORCES .. |
Forum |
| Sat Mar 14 5:06:02 2009 |
Although you are not happy with a 7% rate, the .. |
Forum |
| Sat Mar 14 5:01:13 2009 |
You may be able to buy a place on your own, but .. |
Forum |
| Sat Mar 14 4:57:56 2009 |
You should work with your lender to lower your .. |
Forum |
| Sat Mar 14 4:55:13 2009 |
need more clarity. Is your spouse looking to get .. |
Forum |
| Sat Mar 14 4:52:24 2009 |
There is no way to really know. You may be able .. |
Forum |
| Mon Mar 9 6:05:41 2009 |
Let me ask you something.....
What are you .. |
Forum |
| Mon Mar 9 6:02:12 2009 |
Yes I am in NJ and there ARE both stated income .. |
Forum |
| Mon Mar 9 5:57:42 2009 |
Basically, you negotiate NOW. That is a good rate .. |
Forum |
| Mon Mar 9 5:53:33 2009 |
Incredible .. |
Forum |
| Mon Mar 9 5:48:45 2009 |
If I understand you correctly, you got an .. |
Forum |
| Mon Mar 9 5:43:21 2009 |
It is tough to say without knowing the seller's .. |
Forum |
| Sun Mar 8 10:33:05 2009 |
You are in a unique situation. My guess if the .. |
Forum |
| Sun Mar 8 10:29:16 2009 |
What are the interest rates on both mortgages My .. |
Forum |
| Sun Mar 8 10:24:09 2009 |
I would ask your divorce attorney to get the ball .. |
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| Sun Mar 8 10:22:27 2009 |
My suggestion would be to make your next payment .. |
Forum |
| Sun Mar 8 10:21:07 2009 |
I agree. Many homeowners may qualify for a but .. |
Forum |
| Fri Mar 6 4:55:03 2009 |
That all depends upon what your loan amount is .. |
Forum |
| Fri Mar 6 4:45:55 2009 |
What CAN you afford to pay each month on that .. |
Forum |
| Fri Mar 6 4:43:57 2009 |
You should speak with someone ASAP. If you are .. |
Forum |
| Fri Mar 6 2:12:06 2009 |
Can you tell me the difference between your .. |
Forum |
| Thu Mar 5 9:30:15 2009 |
Elnora
I really need to learn more about .. |
Forum |
| Thu Mar 5 9:27:47 2009 |
To chime back in...yes that is what I meant. .. |
Forum |
| Thu Mar 5 9:21:49 2009 |
I would be more concerned with the fact that the .. |
Forum |
| Thu Mar 5 9:17:35 2009 |
There are lots of changes coming over the next .. |
Forum |
| Thu Mar 5 9:15:12 2009 |
I believe you are correct George. In the scenario .. |
Forum |
| Thu Mar 5 9:10:56 2009 |
if you plan to own the property for longer than .. |
Forum |
| Thu Mar 5 9:09:27 2009 |
Yes it .. |
Forum |
| Thu Mar 5 9:08:25 2009 |
It is really about the length of time the .. |
Forum |
| Thu Mar 5 9:04:20 2009 |
I am sure that any one of us on here would be .. |
Forum |
| Wed Mar 4 5:58:48 2009 |
If you can find a 100% LTV cash out someplace, .. |
Forum |
| Wed Mar 4 5:55:47 2009 |
Begin by speaking with a qualified loan officer. .. |
Forum |
| Wed Mar 4 5:47:11 2009 |
A student from Nigeria huh I am .. |
Forum |
| Wed Mar 4 5:43:26 2009 |
Before you do that, think about how much rent .. |
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| Tue Mar 3 6:13:31 2009 |
I agree....was just funny .. |
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| Tue Mar 3 6:10:48 2009 |
I would agree, look into refinancing. Even on an .. |
Forum |
| Tue Mar 3 6:00:05 2009 |
It seems that the buzz phrase for 2009 has to be .. |
Forum |
| Tue Mar 3 5:38:16 2009 |
It may be beneficial yes. However, your rate on a .. |
Forum |
| Mon Mar 2 6:57:14 2009 |
Unfortunately many people do not recognize when .. |
Forum |
| Mon Mar 2 6:54:14 2009 |
George, there is something about seeing you .. |
Forum |
| Mon Mar 2 6:50:02 2009 |
I am going to assume that you want to be a loan .. |
Forum |
| Mon Mar 2 6:45:07 2009 |
You can get a loan with a 645 score and it does .. |
Forum |
| Mon Mar 2 6:44:03 2009 |
Your first step is to call the bank and detail .. |
Forum |
| Mon Mar 2 6:41:26 2009 |
consult an attorney who specializes in estate .. |
Forum |
| Sun Mar 1 5:03:35 2009 |
A seller can pay an appraiser to appraise his/her .. |
Forum |
| Sun Mar 1 5:00:33 2009 |
You should also speak to a mortgage broker now to .. |
Forum |
| Sun Mar 1 4:56:38 2009 |
The same answer I gave to someone else....call an .. |
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| Sun Mar 1 4:55:27 2009 |
Get an attorney involved right .. |
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| Sun Mar 1 4:53:50 2009 |
Most banks will not allow you to pay your .. |
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| Sun Mar 1 4:52:00 2009 |
I think you may be able to qualify now. The .. |
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| Sun Mar 1 4:50:39 2009 |
In your case, you should be fine just as long as .. |
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| Sat Feb 28 5:53:12 2009 |
Cass
I am interested in finding out what your .. |
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| Sat Feb 28 5:48:46 2009 |
speaking of our "other friend"...when .. |
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| Sat Feb 28 5:43:43 2009 |
There is always a lender out there especially at .. |
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| Sat Feb 28 5:41:09 2009 |
There is an art to writing a loan modification .. |
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| Sat Feb 28 5:36:06 2009 |
If you are working with a broker, then he/she may .. |
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| Sat Feb 28 5:31:39 2009 |
To add to what George said, you are not even .. |
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| Sat Feb 28 5:27:42 2009 |
John is correct, we would need to know WHERE the .. |
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| Sat Feb 28 5:22:01 2009 |
It sounds like a good deal to me. Keep in mind, .. |
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| Sat Feb 28 4:09:40 2009 |
Ask your son to show you the good faith estimate. .. |
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| Sat Feb 28 4:07:12 2009 |
I have no idea what you are talking .. |
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| Wed Feb 25 8:39:17 2009 |
I echo what George said and would also like to .. |
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| Wed Feb 25 4:33:25 2009 |
You can contact the bank and ask for an .. |
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| Wed Feb 25 4:29:38 2009 |
Ashley is correct. The two loans are considered .. |
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| Wed Feb 25 4:28:10 2009 |
In addition, many banks will use the LESSER of .. |
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| Wed Feb 25 4:24:59 2009 |
Yes he can....just as long as he can qualify on .. |
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| Thu Feb 19 7:19:21 2009 |
I would try to rent the condo .. |
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| Thu Feb 19 7:13:05 2009 |
I am in NJ, but just wondering why you .. |
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| Thu Feb 19 7:08:37 2009 |
If all she has is the signed gift letter, then .. |
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| Thu Feb 19 6:59:42 2009 |
How much can you rent the condo for
Meanwhile, .. |
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| Thu Feb 19 6:51:00 2009 |
The bank will not modify your loan unless they .. |
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| Thu Feb 19 6:47:01 2009 |
Not sure what you are asking. Please only post .. |
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| Thu Feb 19 6:44:22 2009 |
To answer the first post, yes rates are a bit .. |
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| Wed Feb 18 7:21:30 2009 |
.. |
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| Wed Feb 18 7:06:10 2009 |
In addition to what Adonis said...
When your .. |
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| Wed Feb 18 7:00:00 2009 |
Lenders will know if you default intentionally. .. |
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| Wed Feb 18 6:50:53 2009 |
unreal .. |
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| Wed Feb 18 6:48:17 2009 |
It would be wise to find another job before you .. |
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| Wed Feb 18 6:39:50 2009 |
From what I understand, they cannot touch your .. |
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| Wed Feb 18 6:37:31 2009 |
I typed up a summary of the bailout plan on my .. |
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| Wed Feb 18 6:29:55 2009 |
Yes you could essentially do that. However I .. |
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| Wed Feb 18 6:27:27 2009 |
Call an attorney. You will have to spend some .. |
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| Wed Feb 18 6:25:49 2009 |
If the home value is less than the loan balance, .. |
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| Wed Feb 18 6:23:28 2009 |
Roxy
If you went with no income verification, .. |
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| Wed Feb 18 6:20:43 2009 |
The room mate can buy him out but his name will .. |
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| Wed Feb 18 6:17:17 2009 |
You should be able to buy the home now as long as .. |
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| Wed Feb 18 6:14:57 2009 |
Mr common name,
I believe you need another .. |
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| Wed Feb 18 6:11:03 2009 |
Timothy,
I am sorry that you are in this .. |
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| Tue Feb 17 9:05:32 2009 |
The banks are backed up right now so I am not .. |
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| Tue Feb 17 9:02:49 2009 |
Getting a loan with that credit score is not .. |
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| Mon Feb 16 7:51:26 2009 |
George, you are correct. We do work for .. |
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| Mon Feb 16 7:48:47 2009 |
George is right, IF you find a no doc or .. |
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| Mon Feb 16 7:44:01 2009 |
At this point your only option is to keep your .. |
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| Sun Feb 15 5:55:11 2009 |
I guess I must be missing out on some potential .. |
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| Sun Feb 15 5:51:33 2009 |
You cannot refinance unless you pay off the .. |
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| Sun Feb 15 5:48:05 2009 |
It seems that your bank's guidelines have changed .. |
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| Sun Feb 15 5:34:01 2009 |
George, thank you....I was going to say that .. |
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| Sun Feb 15 5:22:36 2009 |
You will need to rent for a while. Get your .. |
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| Sun Feb 15 5:21:08 2009 |
Definately call an .. |
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| Sun Feb 15 5:20:08 2009 |
Your loan is probably not assumable. Tell your .. |
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| Sun Feb 15 5:17:51 2009 |
Yes, you can add her to the deed .. |
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| Sun Feb 15 5:15:53 2009 |
In this situation, I think the best bet is to ask .. |
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| Sun Feb 15 5:13:38 2009 |
You are obviously self employed. Do you have a .. |
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| Sun Feb 15 5:09:55 2009 |
A few months after you stop making .. |
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| Sun Feb 15 5:08:07 2009 |
If you need to make this happen by next week, .. |
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| Sun Feb 15 5:05:03 2009 |
You really need to speak to a loan officer/broker .. |
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| Sun Feb 15 5:03:07 2009 |
This can be a refinance if his name will also be .. |
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| Sun Feb 15 5:01:51 2009 |
You should see an accountant. Pay the fee...it .. |
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| Sun Feb 15 5:00:43 2009 |
Ask yourself this question....
Can you make your .. |
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| Fri Feb 13 7:00:07 2009 |
It depends upon your bank. Most are not doing .. |
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| Fri Feb 13 6:58:20 2009 |
Closing costs are fees required to close your .. |
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| Fri Feb 13 6:50:18 2009 |
No...700+ is no longer "as good as it .. |
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| Fri Feb 13 6:46:44 2009 |
Despite what msnover said, there is not enough .. |
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| Fri Feb 13 6:36:26 2009 |
Principal - Unless you have an interest only .. |
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| Fri Feb 13 6:32:45 2009 |
Yes, you cannot get the PMI removed until you pay .. |
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| Fri Feb 13 6:29:21 2009 |
1. I would document your "current .. |
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| Fri Feb 13 6:22:21 2009 |
A few more questions and things to note...
So .. |
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| Fri Feb 13 6:16:50 2009 |
hmmm,
It sure seemed like a full page ad to me .. |
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| Fri Feb 13 5:53:35 2009 |
I would get a copy of the closing docs and take a .. |
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| Fri Feb 13 5:52:00 2009 |
You and I spoke on the phone this week regarding .. |
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| Fri Feb 13 5:47:01 2009 |
Ashley,
Where can you finance an investment .. |
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| Fri Feb 13 5:44:00 2009 |
The bottom line is this....
You are getting a .. |
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| Fri Feb 13 5:39:44 2009 |
Just ask the attorney involved in the process. .. |
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| Thu Feb 12 7:43:01 2009 |
George, you are a moderator....can't you delete .. |
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| Thu Feb 12 7:22:51 2009 |
Yes we work with banks that will lend $4 million. .. |
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| Thu Feb 12 7:16:58 2009 |
George is right. You can do a few things to .. |
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| Thu Feb 12 7:15:02 2009 |
First, it is not a good idea to miss payments .. |
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| Thu Feb 12 7:11:59 2009 |
Get an attorney. You need your name off of the .. |
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| Thu Feb 12 7:10:47 2009 |
Check with one of the brokers on this site. You .. |
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| Thu Feb 12 7:09:28 2009 |
Please let us know how it turns .. |
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| Tue Feb 10 7:13:36 2009 |
geez now we have to delete Sanford .. |
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| Tue Feb 10 7:10:21 2009 |
PJ said...
"I would like to borrow .. |
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| Tue Feb 10 6:57:12 2009 |
Pam,
It sounds like you were going to just .. |
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| Tue Feb 10 6:41:55 2009 |
Someone please de-activate mortgage_man's user .. |
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| Tue Feb 10 6:39:08 2009 |
No it does not lower the loan amount unless the .. |
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| Tue Feb 10 6:35:51 2009 |
Chuck,
I will do what mortgage_man refuses to .. |
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| Tue Feb 10 6:24:20 2009 |
msnover
You still need the income to help .. |
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| Tue Feb 10 6:13:12 2009 |
If you make good money then why didnt you make .. |
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| Tue Feb 10 6:11:01 2009 |
They want the appraisal to see what the true .. |
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| Tue Feb 10 6:05:28 2009 |
The main advantage you have in making an offer .. |
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| Tue Feb 10 5:54:32 2009 |
I think I saw you ask this question before .. |
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| Tue Feb 10 5:51:24 2009 |
Your PM only said that you sent me a message. I .. |
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| Tue Feb 10 5:47:02 2009 |
If you really have no down payment money to .. |
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| Tue Feb 10 5:43:29 2009 |
Yes, your credit will be negatively impacted. .. |
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| Mon Feb 9 8:33:59 2009 |
The lender should have a gift letter that you can .. |
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| Sat Feb 7 7:25:27 2009 |
Although you both do not have a 2 yr work .. |
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| Sat Feb 7 7:17:33 2009 |
The question is not really whether we can get her .. |
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| Sat Feb 7 7:11:01 2009 |
Your hesitation is valid. The last thing you want .. |
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| Sat Feb 7 7:08:53 2009 |
If he gets placed in a home there is a 5 yr look .. |
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| Sat Feb 7 7:06:51 2009 |
First of all, the mortgage needs to be one that .. |
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| Fri Feb 6 7:58:24 2009 |
In my opinion, the $500 was some type of .. |
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| Fri Feb 6 7:46:08 2009 |
The best chance you have to get a piece of this .. |
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| Fri Feb 6 7:40:56 2009 |
This is very common and simple. She is going to .. |
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| Fri Feb 6 7:36:35 2009 |
If you are selling your current residence, then .. |
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| Fri Feb 6 7:34:40 2009 |
Maybe Texas is different, but I have never seen a .. |
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| Fri Feb 6 7:26:02 2009 |
No experience with them on the loan mod, but ask .. |
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| Thu Feb 5 5:49:04 2009 |
Cheryl, why dont you call the loan officer and .. |
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| Thu Feb 5 5:46:34 2009 |
If you have the $8000 to spare and you would save .. |
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| Thu Feb 5 5:44:15 2009 |
Richard,
If you did not pay any fees to Wells .. |
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| Thu Feb 5 5:33:55 2009 |
You should not be liable if the divorce papers .. |
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| Thu Feb 5 5:30:51 2009 |
It really all depends upon what else you would be .. |
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| Thu Feb 5 5:25:50 2009 |
Unless you are in danger of losing your home AND .. |
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| Thu Feb 5 5:23:27 2009 |
I have seen it that high but I have also seen it .. |
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| Thu Feb 5 5:20:45 2009 |
It should have no effect on your ability to get .. |
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| Wed Feb 4 7:53:58 2009 |
drillboy,
It sounds like you may be able to .. |
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| Wed Feb 4 7:48:56 2009 |
To add to what George said...
The bank is .. |
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| Wed Feb 4 7:34:18 2009 |
My first inclination is to say don't sign it. .. |
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| Wed Feb 4 7:26:12 2009 |
Look for a line item that is labeled .. |
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| Wed Feb 4 7:21:38 2009 |
It is very important to educate yourself on all .. |
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| Wed Feb 4 7:14:34 2009 |
The loan would have to be "assumable" .. |
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| Wed Feb 4 7:06:42 2009 |
Jane, the co-signer is needed to bring additional .. |
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| Wed Feb 4 7:00:54 2009 |
Your wife had a good reason for working part .. |
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| Wed Feb 4 6:51:12 2009 |
Your scores are high enough to qualify depending .. |
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| Wed Feb 4 6:47:11 2009 |
Call your bank directly and explain the .. |
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| Wed Feb 4 6:44:46 2009 |
Sara is right, one of us would be happy to .. |
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| Wed Feb 4 6:34:15 2009 |
That depends upon the terms and if you charge .. |
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| Wed Feb 4 6:32:14 2009 |
What is the rate they are .. |
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| Tue Feb 3 6:09:00 2009 |
To add to what Ashley said...
You will have to .. |
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| Mon Feb 2 3:05:56 2009 |
We would need more info such as your credit .. |
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| Mon Feb 2 2:58:53 2009 |
You will most likely have to refinance as the .. |
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| Mon Feb 2 2:56:54 2009 |
One other thing to mention is if the lender did .. |
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| Mon Feb 2 2:51:38 2009 |
If you are in danger of being foreclosed upon, .. |
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| Mon Feb 2 2:49:30 2009 |
Yes, call them and see what you can work .. |
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| Mon Feb 2 2:48:40 2009 |
Mandy, you will not have the ability to buy the .. |
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| Mon Feb 2 2:45:06 2009 |
You COULD qualify for a loan, but not a large .. |
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| Mon Feb 2 2:29:01 2009 |
Do you have a copy of your credit report I am .. |
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| Mon Feb 2 2:26:26 2009 |
It sounds like he can purchase the house for .. |
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| Fri Jan 30 6:24:47 2009 |
Ellie, can you tell us what your current rate is .. |
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| Fri Jan 30 6:19:47 2009 |
Do yourself a favor and really sit down and do .. |
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| Fri Jan 30 6:15:52 2009 |
Moi, maybe another twist on your scenario. .. |
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| Fri Jan 30 6:09:58 2009 |
I agree with George and one other point...
If .. |
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| Fri Jan 30 6:05:25 2009 |
Becky, it may not be impossible. It all depends .. |
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| Fri Jan 30 5:59:29 2009 |
Angie,
To add insult to injury, you signed a .. |
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| Fri Jan 30 5:52:46 2009 |
Additional clarification...
Banks foreclose on .. |
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| Fri Jan 30 5:47:50 2009 |
She is wrong. The only way to get your name off .. |
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| Fri Jan 30 5:45:09 2009 |
There are two ways to remove the PMI...
1. Pay .. |
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| Fri Jan 30 5:39:00 2009 |
There are plenty of online sources. You can start .. |
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| Fri Jan 30 5:37:02 2009 |
First, you will need to continue making on-time .. |
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| Thu Jan 29 6:35:25 2009 |
Do not give up. Do whatever you can to prevent .. |
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| Thu Jan 29 6:26:41 2009 |
I dont see any issues either. In addition, the .. |
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| Thu Jan 29 6:21:10 2009 |
One more thing...your credit score will also have .. |
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| Thu Jan 29 6:20:49 2009 |
The original post asked if there were no doc OR .. |
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| Thu Jan 29 6:13:27 2009 |
If you paid "points" then they are .. |
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| Thu Jan 29 6:07:38 2009 |
It may be that particular bank that has a problem .. |
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| Thu Jan 29 6:05:05 2009 |
I would suggest that you speak to a broker as .. |
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| Thu Jan 29 5:58:53 2009 |
The late pays will definately be a problem. You .. |
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| Thu Jan 29 5:56:25 2009 |
I am not aware of any loan program that will .. |
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| Thu Jan 29 5:54:13 2009 |
Yes it is a very good idea to put your name on .. |
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| Thu Jan 29 5:51:17 2009 |
Typically you do not want your total combined .. |
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| Thu Jan 29 5:48:22 2009 |
You duplicated your post. Was answered on your .. |
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| Thu Jan 29 5:47:22 2009 |
It really depends upon the lender. There are some .. |
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| Thu Jan 29 5:40:35 2009 |
Yes you need approval, other wise you would not .. |
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| Thu Jan 29 5:39:24 2009 |
Laura,
I am in NJ as well. If you have a .. |
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| Wed Jan 28 9:13:57 2009 |
The post brings up a topic that I discuss with .. |
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| Wed Jan 28 9:07:23 2009 |
Do you have down payment money for the new home .. |
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| Sat Jan 24 8:02:01 2009 |
That's right, the 2% rule was an old rule of .. |
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| Sat Jan 24 7:53:58 2009 |
It is hard to determine without seeing the entire .. |
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| Sat Jan 24 7:50:21 2009 |
It sounds like you would split the equity after .. |
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| Sat Jan 24 7:48:10 2009 |
I think you meant to post this on another .. |
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| Sat Jan 24 7:45:08 2009 |
The silver lining in this whole thing is that .. |
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| Sat Jan 24 7:40:48 2009 |
Ingrid, what is your current interest .. |
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| Sat Jan 24 7:38:32 2009 |
One more thing that you should share with us is .. |
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| Sat Jan 24 7:29:07 2009 |
You would have a shot at getting the loan with .. |
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| Thu Jan 22 6:32:02 2009 |
Alot of effor put into writing that post. .. |
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| Thu Jan 22 6:20:17 2009 |
You will find that rates are near an all time low .. |
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| Thu Jan 22 6:16:44 2009 |
Sounds like he is just looking to get his loan .. |
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| Thu Jan 22 6:11:01 2009 |
Getting her name off of the deed is easy but the .. |
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| Thu Jan 22 6:09:26 2009 |
It all depends upon the underwriter. A good thing .. |
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| Thu Jan 22 6:06:50 2009 |
I forgot to mention that you would need for him .. |
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| Thu Jan 22 6:05:50 2009 |
Typically what would happen is if he bought you .. |
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| Mon Jan 19 6:46:33 2009 |
Curious
I will give you the same advice that I .. |
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| Mon Jan 19 6:39:42 2009 |
A gift does not necessarily have an impact on .. |
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| Mon Jan 19 6:22:57 2009 |
.. |
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| Mon Jan 19 4:05:25 2009 |
To add to what George is saying, I can say that .. |
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| Mon Jan 19 3:54:45 2009 |
They will foreclose and that will be in your .. |
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| Mon Jan 19 3:51:53 2009 |
Marsha
I think if you check with most of us .. |
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| Mon Jan 19 3:51:15 2009 |
George is right in that you will not be hurt be .. |
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| Sat Jan 17 8:19:46 2009 |
Your best bet in this scenario would be to cash .. |
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| Sat Jan 17 8:13:20 2009 |
lch
yes you will have fees. If you want a .. |
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| Sat Jan 17 8:09:24 2009 |
Something just does not seem right. I know values .. |
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| Sat Jan 17 8:02:58 2009 |
Yes, the interest you pay on the HELOC should be .. |
Forum |
| Sat Jan 17 7:52:30 2009 |
In addition to what George had mentioned, there .. |
Forum |
| Sat Jan 17 7:33:59 2009 |
constantine, you are correct. Owner financing is .. |
Forum |
| Sat Jan 17 7:31:25 2009 |
This really sounds like a question for an .. |
Forum |
| Sat Jan 17 7:27:02 2009 |
I agree, ask someone if things do not seem right. .. |
Forum |
| Sat Jan 17 7:22:23 2009 |
Mortgagequeen,
If you are not an approved .. |
Forum |
| Sat Jan 17 7:18:12 2009 |
No, they are not permitted to pay the bill late. .. |
Forum |
| Sat Jan 17 7:14:01 2009 |
In general it is best to be face to face with the .. |
Forum |
| Fri Jan 16 6:24:07 2009 |
Tell them you will need to hire an attorney to .. |
Forum |
| Fri Jan 16 6:19:39 2009 |
I know of a couple of lenders who will do that .. |
Forum |
| Fri Jan 16 6:16:09 2009 |
George,
My other concern with the loan .. |
Forum |
| Fri Jan 16 6:10:45 2009 |
There are a lot of factors. You should contact a .. |
Forum |
| Fri Jan 16 6:06:59 2009 |
A few thoughts...
1. dont pay market .. |
Forum |
| Fri Jan 16 6:03:18 2009 |
Yes, you can get a loan with what is called LPMI .. |
Forum |
| Fri Jan 16 5:58:27 2009 |
Actually, $100 is reasonable. If you check with .. |
Forum |
| Fri Jan 16 5:53:44 2009 |
That is for you to negotiate. It all depends upon .. |
Forum |
| Wed Jan 14 7:42:41 2009 |
It sounds like you WOULDN'T be paying more .. |
Forum |
| Wed Jan 14 7:37:38 2009 |
I have a lender that will do the deal on the .. |
Forum |
| Tue Jan 13 6:45:37 2009 |
You definately have a case here. If you have the .. |
Forum |
| Tue Jan 13 6:43:09 2009 |
Yes you do. The quit claim deed only transfers .. |
Forum |
| Tue Jan 13 6:36:40 2009 |
I have two suggestions for you...
1. Call the .. |
Forum |
| Tue Jan 13 6:33:43 2009 |
You need to let one of us have some basic .. |
Forum |
| Tue Jan 13 6:30:11 2009 |
Jennifer,
If you want someone to contact you .. |
Forum |
| Tue Jan 13 6:23:27 2009 |
Michelle,
My advice to you is to be up front .. |
Forum |
| Tue Jan 13 6:20:15 2009 |
$1800 per year .. |
Forum |
| Tue Jan 13 6:16:49 2009 |
Gladys,
It is called a Deed-In-Lieu ...
A .. |
Forum |
| Fri Jan 9 7:49:27 2009 |
The prior statements are all true in that there .. |
Forum |
| Fri Jan 9 7:32:37 2009 |
George is right, there are still some lenders who .. |
Forum |
| Fri Jan 9 7:29:18 2009 |
I dont know how they can get you that rate. Be .. |
Forum |
| Fri Jan 9 7:26:57 2009 |
You should just write up a rental agreement. That .. |
Forum |
| Thu Jan 8 6:28:40 2009 |
Mo
To add a little more detail to what has .. |
Forum |
| Thu Jan 8 6:24:46 2009 |
Unfortunately, due to the issues referenced .. |
Forum |
| Wed Jan 7 10:03:40 2009 |
Ben
When they say there is no PMI and the LTV .. |
Forum |
| Wed Jan 7 9:58:03 2009 |
One of the things you can do with your new .. |
Forum |
| Wed Jan 7 9:55:13 2009 |
In reading through the various posts on this .. |
Forum |
| Wed Jan 7 9:47:26 2009 |
Wow that was a loaded question. This is typically .. |
Forum |
| Mon Jan 5 5:38:51 2009 |
Here are some other mistakes people make..
1. .. |
Forum |
| Mon Jan 5 5:29:14 2009 |
There are also a few banks that will lend 100% of .. |
Forum |
| Sun Jan 4 7:04:42 2009 |
That is a question that I hear a lot and I see .. |
Forum |
| Sun Jan 4 6:05:25 2009 |
Jimmy,
Depending on your situation, you may .. |
Forum |
| Sun Jan 4 5:58:16 2009 |
Are you saying that the loans are greater than .. |
Forum |
| Sun Jan 4 5:51:30 2009 |
You may have to wait another three months because .. |
Forum |
| Sun Jan 4 5:39:41 2009 |
This individual may simply be looking for an .. |
Forum |
| Sun Jan 4 5:34:07 2009 |
That all depends upon what your total combined .. |
Forum |
| Sun Jan 4 5:30:58 2009 |
First of all, George is correct in that you .. |
Forum |
| Sun Jan 4 5:19:57 2009 |
If you have the ability to pay more each month .. |
Forum |
| Sun Jan 4 5:08:45 2009 |
The bank will foreclose when you fall too far .. |
Forum |
| Sun Jan 4 5:04:22 2009 |
One of them is called "Stated Income". .. |
Forum |
