 I am looking into buying timeshare and I was wondering if you think its a good deal or am I getting ripped off |
| I live in PA and Im in Virginia Beach right now. I have a chance to buy timeshare on this beach. One bedroom, small kitchen, oceanfront view with personal deck. We get 7 days a year and getaways for ... |
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 Why does my apartment manager need my 2005 tax return? |
| I just got a message from my apartment manager saying that she needed me to fax the 1st page of my 2005 tax return to their office. I called back and she said they were going through an "audit&... |
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 Secure Home for a Loan? |
| I am looking for a loan, between $25,000 and $50,000. I have about $28,000 in equity in my home, but b/c I am self employed and using bank statements to state my income banks are not willing to give ... |
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 How can I buy a house eventhough I filed bankruptcy over 18 months ago? Are there any programs out there? |
| I am in desperate need of buying a house by April 2007. I filed bankruptcy in October 2005, and it will be discharged on March 2006. Are there any companies or programs that can help me in this ... |
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 Question on a Home Equuity loan....? |
Some facts:
May home was recently appraised for 150,000 more than what I am currently paying a mortgage on. Now does that mean I can get a home equitly loan for like ten percent of that money? ... |
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 Whats a good chachy name for selling? |
im going to be selling tools online and i need a good name thast easy to remember. only like two or three words
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 I have a tenant who wants the tv aerial changing on the roof? |
| he wants the aerial changing as he claims he can not get terrestial and freeview channels i have checked the aerial and it seems fine and i was able to get a good reception on all channels. this ... |
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| I live with my girlfriend, and we both split the mortgage payment. I write her a check every month. Can I write off half of the interest on my taxes at the end of the year, as long as I have the ... |
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| My rent is fixed each month to include all utilities. I have not been getting any heat for about the past 3 weeks in my bedroom but have been in the other rooms of my apartment every now and then but ... |
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 I want to rent a house with my Girlfriend and my sister wil the landlord like the idea? |
I'm renting a flat with my girlfriend and we want to move out into a house with my sister. We are all in our early 20s.
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 Best neighborhoods/where to live in Kansas? |
| My DH is a Government contractor and he accepted a position with his company at Fort Leavenworth, Kansas. We need to find a house and I know no one there and don't even know what counties, etc ... |
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enlforever91 | Foreclosure? |
Before everyone goes "holier than thou" on me, I already know I messed up and I'm trying to fix my problem so please save the semons and offer at least some kind word, honest opinon without being cruel, or how you handled a similar situation.
I have a 100% loan, 1st mortgage is a 3/1 interest only and the second in a 5/1 interest only. (1st mort. adjusts 04.2009)
I bought the house for 242,000 and the current market has it valued at approx $200,000 if not less.
No money down absolutely no equity in the home.
I spoke with the mort. co. and they said that since I am current there's no help for me. When I bought the home I was able to pay for everything but as the two years went by the mort has gone up due to taxes and ins. and so has the cost of living.
Even having two jobs and an extra night job and no luxuries it is becoming harder to pay the mort. Sometimes I have to pay my bills with a credit card. Should I foreclose? |
 |
 
Me
|
Selling it is better idea than foreclosing. I am not sure what size home you have but a lot of people consider renting out a room for extra income.
I almost did the same thing but I got divorced and it never went through. Good luck. |
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Carolyn J
 |
No. Sell it. You have time to wait out the market. Put it up for sale and see what happens. |
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formenow
|
This is a very difficult situation, not just you, for many Americans that were caught by real state agents and loan bankers into this trap. The government is offering help, I do not know how to apply for, but they prefer helping you rather than foreclose, they know if you surrender the property, they will not get much from it, and it becomes a problem for the city/county if property taxes are not paid. Sorry I can not give more, but there is help, perhaps by goggling, refinancing, or getting a second mortgage will not help you. Only if monthly payments are reduced you may be able to hold the house. If you foreclose, like many are doing right now, it creates some financial problems, credit, and other that are measured by the credit report companies.
Try to make payments and continue for the next 3-5 years, the market may improve and so the value of your property. Feel free to email me to my yahoo address, if I can be of further service.
It is a very sad situation and I emphatize with you. |
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mary k
|
If you do foreclose, your credit is shot for years. |
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goz1111
|
You got to stop increasing your credit card debt, in the end that's what is going to hurt you unless you file for bankruptcy, since you can walk away from the note w/o doing a bankruptcy |
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Photographer
|
Hello
Please go to this website: http://www.almahelp.com/alma/request/
This is the only company I have found that is a reputable loss mitagition company that WONT charge anything upfront.... they will only charge you IF THEY CAN HELP,... unlike those other companies requesting anywhere from $1800-2500.00 UPFRONT, yet they cant gareentee they can really help..... ALMA cant either but at least they dont charge unless they do help. |
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Jennifer
|
Hi,
I used "Credit Solution" to settle my debt and avoid foreclosure.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://urlhawk.com/549 |
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shacker2762
|
You are in a tough situation. Personally, I would look into selling the place. It's simply not worth the hassle. Talk to the bank one more time and ask to speak to a manager or some other decision maker. It helps to do this during the week. If you can actually meet with the lender, that might help (I have found that face to face meetings are more productive). You mentioned the value of the place has dropped so ask them if you can do a short sale where the lender agrees to a price lower than what they lent you. This might hurt your credit a bit but it's better than foreclosure. They might also be open to a deed-in-lieu where you give up the home, hand the keys over and you're done. Please remember - the lender is under no obligation to do any of this so you can indeed come away with nothing. |
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kelly
|
oKAY TO KEEP A ROOF OVER YOUR HEAD CAN YOU LET GO OF THE CREDIT CARDS AND PAY WHAT YOU WERE PAYING O NTHE CC TOWARDS THE BALANCE ON YOUR HOME AND THAT WILL MAKE THE PAYMENTS COME DOWN. |
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secondarytradedesk
 |
STOP! No guilt ! "fight". You did nothing wrong - my level headed friend. www.borrowerhotline.com has a web site. Their view is the 100% "Combo" loan is "unconscienable" highly "predatory" AND 'unlawfull" . And,lenders are required to maintain a 100% ZERO tolerance for errors, omissions any micromisrepresentation's. I can assure you after 25 years of underwriting the stuff on the secondary (for lender exposure) I would cite at least 10 instances where you were, ahhh, well, ummmm, "HOSED" .
Example, handwritten or computer generated appplication? Last minumte change in terms? Stated Income Loan? LENDER FRAUD! Stop crying the blues and pay your dues cause here is the good news...Begging for releif is called "hardship" and Sorry Pal - 2 job's "Succa" No breaks for hardship! Stand up and fight like a man. Go to a company that audits borrower files and NOT a Stop Foreclsure Now" scam America needs to wake up! So do you...just do it NOW! If you don't live with or have a top notch underwrter as a buddy, then again try (web site) www.borrowerhotline.com and see their blog (good info.) These guys audit the file and then file a claim n your behalf, to get your lender to start treating you with respect! So be cool and don't be a fool! Later |
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