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Refinance a mortgage at the right time and for right reasons

Are you burdened with rising monthly payments and seeking better terms and conditions on your mortgage? Or, are you looking to consolidate your unpaid debts and get rid of them faster? All these mortgage scenarios and many more can be accomplished by mortgage refinancing. To get the basic idea on refinancing, go through these topics:

Do it yourself!



What is mortgage refinance?

With mortgage refinancing, you can replace your original mortgage with a new one with better terms and conditions but the new mortgage should be within your affordable limit. The same property that you used as collateral to secure the original mortgage is used to secure the new loan also. The new loan proceeds are utilized to pay off the existing mortgage. In case there is any remaining money after paying down the original mortgage, that amount can be used to meet other financial obligations.

Example: Suppose each of the two borrowers A and B took out mortgage loan worth of $500,000. Again, say after 5 years, both A and B paid down $250,000. So, for both these borrowers, remaining unpaid mortgage amount is $250,000.

Borrower A then took out another loan worth of $250,000, so as to repay the remaining balance on the existing mortgage. This depicts a case of simple refinance.

Borrower B then took out another loan worth of $350,000. Out of this new loan amount, B used $250,000 to pay down the original mortgage. B could use the remaining $100,000 to meet other financial obligations. This describes a case of cash out refinance.

The first scenario is a simple refinance while the second is that of a "cash-out refinance".


5 Reasons that make refinancing sensible

There are some strong reasons which make mortgage refinance a very sensible move. Here we delve upon 5 of those -
  • To reduce monthly payment:
    If the mortgage rate is lowered or if the mortgage term is extended, your monthly payment amount gets reduced. With reduced monthly payment, you can pay off your mortgage with more ease. In case the term of the loan is extended, you have to however pay more in interest during the whole life of the loan.
  • To switch from ARM to FRM:
    Fixed rate mortgage (FRM) offers you the certainty of making fixed payment over the term of the loan. Whereas, in case of adjustable rate mortgage (ARM), the monthly payment amount may rise or fall, depending upon the prevailing mortgage rate. So, in case of ARM, the monthly payment amount is not fixed; rather it is uncertain. If you are looking for certainty in payments, then you can convert your existing ARM to an FRM through mortgage refinance.
  • To repay mortgage faster:
    If you want to pay down the mortgage early, then you can shorten the term of the loan. However, here your monthly payment amount increases. Here, over the term of the loan, you save more in interest payments. You also attain property ownership early.
  • To combine two loans into one:
    If you have adequate equity in your property, you can then consolidate your first mortgage and the second mortgage into a single mortgage. The main advantage of this type of consolidation is that the monthly payment on the single loan is less than the combined payments on the 1st mortgage and the 2nd mortgage.
  • To pay off high interest debts:
    If you have sufficient equity in your home, you can opt for a cash out refinance. You can use the remaining money to pay high interest debts such as credit card bills, car loans, installment loans etc.


What is the best time to refinance?

You may not always be eligible for refinancing or the situation may not always be conducive for refinancing. You have to time your move correctly so as to reap its benefits. You need to check out these crucial things carefully before applying for mortgage refinancing -
  • If you have built up equity:
    You may be eligible for refinancing when you have built up equity of at least 10% in your home. However, for mortgages owned by Fannie Mae, the equity requirement is 5%. It is possible to get the refinance approval even with less than 5% equity, but in that case you may have to pay a certain sum of money to compensate for the deficiency in equity.
  • If the refinance rate is sufficiently low:
    If the current mortgage rate is sufficiently lower than the rate on the original mortgage, then it may be wise to opt for refinancing. Here, you need to follow the 2% Rule. As per the 2% Rule, refinancing is beneficial for you in case the refinance rate is 2% lower than the rate on the original loan. Here, the savings accrued from low rate outweigh the costs of the new loan after a certain period of time, which is called the break-even period. To get benefits of refinance, you have to stay in the house at least till the break-even period.
  • If you have removed negative items and paid off debts:
    Before plunging into refinancing, obtain your credit report from the credit bureaus and review it carefully. If you find some negative items such as collections or late payments, dispute those items immediately and get those items removed from your report. Prior to refinancing, pay down as much debts as possible. All these will work in your favor in getting the refinance approval.
  • If you have no late payments in past 1 year:
    If you have history of late payments in the past 1 year, then your refinance appeal may be rejected. So, before refinancing, make sure you don't have any late payments in the past 1 year.


When refinancing is not a good idea?

Despite the fact that refinance has several benefits, it is not always a good idea to go for mortgage refinancing. There are some cases when your refinance appeal is rejected by the lender or it may not fetch the desired returns. Here are some cases when refinancing is not a good idea at all-
  • If the property value has declined sharply:
    If the value of your property has declined appreciably, the remaining balance on your original loan may be higher than the refinance loan amount. In other words, with the new loan proceeds, you won't be able to pay down the original mortgage loan.
  • If you have already used up your equity:
    Your equity is the key to get approved for refinancing. If you have already used up your equity by taking out a home equity loan (HEL) or a home equity line of credit (HELOC), then going for refinancing would not be a good idea.
  • If you have only a few years left on the existing loan:
    It does not make good sense to go for refinancing if you have only a few years left on your existing loan. It is not rational to refinance the loan which you have almost paid off. If you have almost paid down a 30-year fixed rate mortgage, then it is unwise to opt for refinancing. After all, refinancing is just like taking out a new loan and all the costs associated with taking out a fresh loan are applicable here too.
If you have the right reasons and if the time is right, then you can surely seek for mortgage refinance. However, before making the final decision, do the necessary research, take quotes from different lenders, make a comparative analysis and choose your lender.
Related Readings
Related Forum Discussions
bensonclive's picture
bensonclive | Joined: August 16, 2009 12:53 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

someone,

Refinance stands for the lowering the interest and fees attached with your existing loan.Even if you pass the money to someone but on records you still owe the money to the bank and thus you can only refinance the loan on your name only.

If you are facing the problem in a hard way, with the consent of all the people (you, lender and new co-borrower)you can alter the terms of the loans and thus can add one more co-borrower on the loan so it will be lot more easier for you to repay the loan.

This is really a vible solution to the problem, if your lender agrees to do this.

Like | Dislike | Share | Posted: Thu, 02/04/2016 - 23:52 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

have about 50,000 in credit card debt. have a morgage on our 10 year old home of 79,000. can we refinance and include the credit card debt into the morgage?

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi picturethis,

Credit card debts are unsecured debts. You cannot include it in your mortgage. However, you can refinance your mortgage and can use the extra cash to pay off the credit card debts.

Thanks

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

james i think that's what picturethis was driving at, actually. and i agree that as long as there is sufficient equity in the home to borrow that much, the cards can be paid in full with the mortgage proceeds.

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fredwaltz's picture
fredwaltz | Joined: August 17, 2009 05:27 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

it is better if you can pull out any line of credit on your house (provided you have sufficient equity) so in this way you can payoff the $ 50 k debt on your card and it will be lot more cheaper.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

can I refinance if I am behind on my mortage, if not what else can I do to reduce my payments to help me out in bad times

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Mandi!

Welcome to forums!

You won't be able to refinance your mortgage if you are delinquent on your mortgage payments. However, you can definitely try for a loan modification in this situation. This will help you in saving your property and it will help you reduce your mortgage payments to some extent.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I would like to refinance my manufactured home and combine my 1st and 2nd mortgage, pay off some debt, would like about 10,000. cash out for improvements. I have had no luck in finding a lender. I have been trying to find one for over a year. My manufactured home is on privately owned lake property, The MFH also has a permanent addition built on to it, about the same sq. footage on concrete foundation.Can you help me find a lender. I live in Minnesota. Thanks.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Sweetpea,

You have mentioned that you are trying to find a lender for over a year. Did the lenders reject your application for refinance? What reasons did they gave you for not accepting it?

What I can suggest you here is that you can speak to the lenders of this community and seek a no obligation free mortgage consultation from them. This will help you in getting an idea whether or not you would get a loan.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I co-signed for my daughters mobile home . After 10 years of payments, she lost her job and missed some pmts. This is when i found out that the mortgage co. listed me as the buyer. Can i re=finance now that i am making the payments?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

after only 8 months of our banrupcy being discharged, can we get a refinance our arm have reset and we have not been late or missed a payment.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

To awilkins,

As your daughter has missed some payments, you won't be able to refinance the mortgage outright. You will have to bring the loan current and then apply for a refinance.

To madhend,

It would be the lender's discretion whether or not he would refinance the loan for you. However, you should definitely apply for it and negotiate for a refinance.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We would like to refinance our home to get a lower interest rate and would also like to take around 15,000.00 cash out to pay for home improvements?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

sue, it's not easy to find lenders willing to help you with manufactured homes. the keys are as follows: do you own the land on which the home is located, and is the home on a foundation?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Mortgage rates are at the lowest point. When picking a Mortgage company to complete your refinance transaction you must ask your Loan Officer to give you the best options based on your qualifications.

Kal Patel
Voyage Home Loans

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have about 50,000.00 in debt,my husband passed away and I cannot get rid of this debt, I earn about 32,000.00 a year and my house is a manufactured home it's value is about $185,000.00 it's tied down and has a pool. Would it be better to sell and down size or try to refinance I am 65 years old and work everyday. Thank You

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Beachgoer,

If you plan to live in the manufactured home for the next 5-8 years, then it would be a good option to refinance the loan. While you refinance the loan, you will have to pay the closing costs. So, if you do not plan to stay in the property for long, I don't think it's a good option to refinance it. In that case, it's a good option to sell off the property.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

When would be a good time to consider a streamline refi with FHA?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

you can consider it at any time.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

we have a 20 yr. mortgage and have 12 more yrs. to pay it off. We will probably sell within the next 5 yrs. Our home apprasies at 180,000 and we owe 67,000 on it. Our interest rate is 5.75% and could re-finance for 4.65%. It would reduce our monthly payments by 140.00. We have no bills, no credit cards, no car payments, etc. Should we consider re-mortgage. I am 61 and want to retire next yr. and down size then. I have a fixed interest rate now. We have excellent credit. Thanks for your info.

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

You have mentioned that you are planning to stay in the property for next 5 years. I don't think it would be a good option to refinance the property for such a short period of time. I can understand that it would lower your monthly payments to some extent but it won't help you in offsetting the closing costs that you would have to pay while refinancing.

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

it's really a matter of doing the math. if your reduction in payments will end up paying for the upfront fees within a 2 or so year period, then it's not a bad idea at this time to refinance. if, as niicss notes, your savings isn't going to be that productive, then don't bother.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My current mortgage was late one time in the last 12 months - due to only honest mistake - out of the state and just completely forgot. It is currently current. had some bad things yrs ago - have great income - steady and income from the property as it is a three family individual townhouse - i now rent two of the properties. An appraisal was done 2 weeks ago; it valued at $215,000 - I owe about $85,000. One lender said no to refinance with cash out due to the one late payment. Can I do a refi with cash out with another lender? home is in CT

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

it's very difficult to do so with that one late payment. automated underwriting is paramount in the industry and you'll get kicked back to an underwriter for manual underwriting. most underwriters today are terrified to make any "exceptional" moves, such as approving a loan for someone who was 30-days late in the last 12 months.

there are, undoubtedly, lenders who will take you on, but they're going to be the remnants of the sub-prime bunch. you won't want to go there. if you can wait until that late payment becomes 13 months ago, you'll have a better chance to obtain financing.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I found a new Obama Program that has been launched at foreclosurepreventionplan.com

Bad Credit ok

Hope this is helpful to somebody.

Free Grants And Loans… Bad Credit Ok!

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

sorry, people...anonymous has given us all bad information. this website is not sponsored by, nor administered by, nor have any relationship with (at all) the Obama administration.

it is simply a company that is taking advantage of the original plan and making money by consulting with folk. now, i'm not saying it is a scam, nor am i saying that it won't be worthwhile to check it out. i am saying that our poster here is incorrect, and that you ought to be wary if you decide to check it further.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

a second name was added to deed after mortgage, can i still refinance in my name only?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi cgermaine!

Welcome to forums!

You would still be able to refinance the mortgage in your name if you have the required credit score and income. You need to contact your lender and check out the terms and conditions of the loan. If you can afford it, you can go ahead with the deal.

Feel free to ask if you've further queries.

Sussane

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

cgermaine, whoever owns a home is going to have to be involved in a mortgage loan.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I live in Texas and have been told that Texas law regarding home equity loans will not allow me to consolidate thru refinancing my first mortgage and [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url] into a singe mortgage note. Is this true?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i know texas has some quirky laws as regards mortgages, and i believe that i've heard of what you mentioned, brad. contact a texas lender directly and you'll get the straight scoop.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I would like feed back from RUNGREN OR BLUE on the HOA Litigation and getting a refinance done. We have been dealing with TRYING to refi since Sept 1st, 09-the BIG hold up is the litigation thing. The loan has been approved this is the only issue. Should we just give up??

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I would like feed back from RUNGREN OR BLUE on the HOA Litigation and getting a refinance done. We have been dealing with TRYING to refi since Sept 1st, 09-the BIG hold up is the litigation thing. The loan has been approved this is the only issue. Should we just give up??

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I just bought a house a few months ago with the final purchase price after down payment of $77K I got a 5.35 30 year rate. Right now I could get a rate of 4.875 with a refi package costs of $375 plus title costs. Would I save money doing a refi right now after just closing?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

To RESCHKERS,

If there is a litigation going on, then I don't think you'll be able to refinance the loan unless it is settled.

To WI Person,

Has your lender agreed to refinance the loan immediately after the closing? Most lenders do not agree to it. Your loan has to be at least 8-10 months old in order to get a refinance.

If you refinance your property, you would be liable to pay the closing costs as well as the refinance package costs. If you can afford it, then you can go ahead with the deal. Also, if you want to leave the property within the next 2-3 years, then I don't think it would be a good idea to refinance. If you are planning to stay in the property for a longer period of time, say 8-10 years, then you can go for it.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Is loan modification possible in refinance On my first loan, I'm paying around $2700 and on my 2nd mortgage
I'm paying around $1200 after loan modification on 2nd mortgage. But is it possible for me to do modification on the 1st mortgage.

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

kevin, the only way to truly find out is to contact your first mortgage holder and ask them the question.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I currently own a townhome. I bought it 2 years ago. It is a 30 yr, fixed rate on $130,000.
I have $42,000 in the bank and I am considering buying a house. Hopefully this will be the last home I will ever buy.
My question is, should I refinance my townhome mortgage to make it profitable for me to rent out once I move into the house, assuming I find the right house and I get approved for the loan?
My plan is to take advantaqe of the housing market. I have a good credit score. I would rent out the house, assuming I buy one, because it would be easier to rent out, until I felt ready to move into it, which could be anywhere from 1-5 years.

Just pondering,
Joe

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Your query has been answered in the given page:
http://www.mortgagefit.com/refinance/buy-2ndhome.html

Please take a look at it. I hope it will help you.

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reidgoforth577's picture
reidgoforth577 | Joined: January 6, 2010 02:59 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Is the interest tax deductable on a refinced home mortgage?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

yes, reid, you can deduct the interest you pay on your refinanced mortgage.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Good morning! You have provided great information here. Amazing stuff.

My situation is this: I have an FHA loan for a house purchased in 2003 by myself and my ex-wife. We divorced in 2005 and I was given the house. The title is only in my name now as the divorce decree and quit claim were signed by both of us and she has given up all rights to the home to me. The mortgage is the only thing in both of our names. I want to refinance to remove her name. My credit is not good due to the divorce however, I have not failed to make payments soley on my own to the house. My current lender, Well’s, will not refi due to bank rules.

Can I refi? Is there someone out there that will Streamline Refi this without the credit check? I read the rules stating that this is one of the things streamline refi does not require (though some lenders will).

Thank you in advance for your response! You are a wealth of knowledge and “lending” it to others is a great gift you give to everyone. Continued success to you!

Steve

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I should mention that the original loan is an fha and I want to refi using the streamlined fha.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Ink,

It's great to know that you liked the website! :)

Keeping in mind the present market situation, it's very important to have a good credit score and income in order to qualify for a refinance. Also, the property should have some equity in it. Without checking your credit, the lenders will not be ready to give you a refinance.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i am upside down in my mortgage - by about $20.000 - - is it worth my trying to refinance now at a lower interest rate?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

judy if your plan is to remain in your home, then refinancing now, if possible, is worth your time and trouble. rates have come up since their lows of recent months, but it's still worth it. if you have a conventional loan (and your lender can tell you for sure if you don't know), you can refinance up to 125% of the current value. hopefully, that would suffice for you.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

House worth approx. 75,000. Zero due on mortgage. Between the payments I am put in a hardship. Not to mention the interest rate on the credit card debt. What kind of loan should I get to consolidate these payment to at least give me peace of mind?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Jessica,

I purchased my home for approximately 193K a couple years back. I financed abotu 189K. My Current Loan Balance is 183K. My current rate is 6.375%. Althouhgh we are carring about 25K in credit card debt we have a long credit history and never missed a payment - I believe our credit score is excellent. (I've seen rates in the 4% range.....). We plan to stay in the home for atleast 2 more years....and much longer ideally.

Should I look at refinancing - will anyone even look at us with such a high LTV?:

Monthly Blahs Blahs:
Principal & Interest $1,173.50
Homeowner's Insurance(s) $73.25
Mortgage Insurance $55.93
County Tax $67.27
Other Tax $74.06
Shortage $117.53 - Catching up on Escrow as our taxes went up

Like | Dislike | Share | Posted: Thu, 02/04/2016 - 23:52 | Post subject:

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gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

you didn't indicate current market value on your home, b-b/c, but that's critical. if it's concurrent with the original price, you might be able to squeeze out an fha refinance (rate/term only), and if it's higher then that's good. if you have a fannie mae loan, you might still be in luck, as lenders can readily go as high as 105% ltv, and legally to 125% (not sure anyone does, though).

Like | Dislike | Share | Posted: Thu, 02/04/2016 - 23:52 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i am wanting to know if there is a statue of limitations on filing a suit against a broker . thank you ,carol........

Like | Dislike | Share | Posted: Thu, 02/04/2016 - 23:52 | Post subject:

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