 Just purchased a home, and mortgage broker said we could refinance in 30 days. I need to know how that works? |
| We need about $10,000 to pay off some bills. I want to either get cash to pay off bills, or for all my bills to be combined in one payment along with my mortgage payment. Is that possible? Do they ... |
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 Should we rent or buy? |
| Me and my husband have 5000 dollars saved and we were wondering if we should rent or buy a house. Im pregnant and he is in the army. We are both really young, we are both 20. He has prefect credit ... |
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 Quick!! What should I counter offer they buyer? My house is on sale for $600k, they are asking $560.? |
Additional Details
Thank you everyone for your quick response. I live in Southern California. There is one other house on my community that is $599 with my same square footage. We ... |
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 Faxed Copy of lease signed, never moved in, received deposit checks back, do I have to pay 1 month rent? |
| I signed a fax copy of a lease to hold an apartment in another state. When I got to that state (24 hours later) the apartment was in horrible condition. I advised that I would not be signing a ... |
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 If I pay my mortgage weekly instead of monthly will that shorten the time it takes to pay my house off? |
| I've heard that making your mortgage payment weekly instead of monthly will shorten the time it takes to pay off my house, and the amount of interest that I will pay also. Does anyone know if ... |
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 Eviction from a private rented house? |
| i have been unable to pay the rent to my landlord my tenancy agreement ran out 3 months ago he sent me a section 21 letter stating that i had till the 5/4 then it would go to court for eviction how ... |
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| I am a property manager of an apartment complex. A resident, one I believe, says they put their rent in our? |
drop box. They say it was cash, so there is no way to track it. Needless to say it is gone. What is fair for me to do about their rent. And how do I catch the staff member who took it?
A... |
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 What can you tell me about home ownership? |
| I recently started looking into buying a house and renting it out to tenants so that they can pay for my mortgage. I'm still a college student and am 20 years old right now. I know real estate ... |
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 If I move out in the middle of the month, do I have to pay for the rest of the month? |
| I just gave my room mate and my landlord 30 days notice My room mate and I pay $1050 in which I pay half. My question is if move out in the middle of the month, do i have to pay pay for the full ... |
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 If you break your lease? |
| If some friends of apt. manager are allowed to break their lease big time and are allowed to do things none of the other tenets are allowed to do ,what do you do?... |
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 To survey or not? |
| My son is looking to buy his first house and has been adviced by the mortgage lender (Nat. West) that a survey isn't a legal requirement, i say it is, but if not i say he should get one anyway. ... |
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 How can I avoid shady renters? |
| I'm new to being a landlord and I've already gotten shady renters who would trash my apartments in just a couple of months, bunk in several other people and hold out on paying their rent. A ... |
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 Is it possible to get a loan for a home if I am unemployed? |
| I live in NJ. Divorced with 2 kids, I have 50K to put down and another 100K in the bank (cds, savings, and checking). My credit is in good standing-approx a 620. I am also a fulltime med student for ... |
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 Advice for first time home buyer with no credit? |
| my (long-time) fiance and i are hoping to buy a home within the next year.i do not work and have poor credit, so i will most certainly not be on the loan. he works and supports us all, but has really ... |
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 We run a motel and a guest wants to bring plunk his "live in" trailer in our back yard.? |
| The guest wants to stay here troughout the summer and he suggested this. This is good for us in some ways like, it free's up a room. But, what are the pro's and con's with this idea? W... |
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 Buy a house now, or wait - unusual circumstances!? |
| I have $40,000 down, can afford $3000 per month and have good credit. The thing is, I won't be living in the USA until 2017! Should I buy now and rent the house out, or wait? By 2017, I won�... |
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e999144 | How can My family Avoid foreclosure? |
My credit score has only gone up to 665 in almost a year and im having difficulty making the current morgage. Advice any1? programs to help? government help? any help? |
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gofrfkim
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Well, with a 665, and depending on how many mortgage lates you have had recently, we may be able to help. If for some reason, we can't refinance you, I can assist you in locating a private investor who will pay you cash to save your credit and walk away from the home. If you are interested, IM or E-mail me with any further questions you might have. My company works with over 40 Nationwide Lenders, and 100's of private investors. Plus, we can shop around for you without ruining your score. If not, my advice to you would be to locate someone to either help you with the mortgage payments or assume the loan. I would totally advise AGAINST filing Bankruptcy. It willl haunt you for years. Leave that as a last ditch effort, but ACT NOW whatever you decide! And, I also agree with Randall saying to maintain an open line of communication with your creditors. It truly does help! |
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Randall S
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The first rule is......to ALWAYS maintain a line of communication with your creditors. They want to know that you are aware of the situation, and are as concerned and as willing to act, as they are.
If you can show your creditors that you are taking concrete steps to deal with your situation, they are much less likely to be nervous and do something rash, such as begin the foreclosure process.
It worked for me
RS |
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Thomas
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have you try talking it with lender who have the loan? do you have any cash flow built up in your house? if so, pull the cash out (refinance) and paid off your other debts and don't make any more than you can handle. also put some of the money away for hard times. |
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brmj41975
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Is your home in foreclosure ? or pre-foreclosure? If this be the case , I may be able to help. 10 minutes of your time will let us know what kind of help is available to you. Visit my website and fill out the form so that i may get in touch with you and see if we can get you some help. http://www.consolidatedsg.com/brmj41975 |
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Snagelfritz
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I not sure of the current laws. But, DO NOT listen to stupid people. Talk to a lawyer many will give you a free first consultation, call around and know the truth.
IF, you can not manage the best thing will be to claim Bankruptcy.
There many ways to do this and that is why you should talk with a lawyer to know your best options.
Chapter 7 you usually give everything back and have not further obligation for the debt.
Chapter 13 you pay a set amount to your debt and a Trustee act in your behalf to disperse the money. Also, Chapter 13 protect your credit (OR it did before the laws changed). The reason why is you do pay your debt!!!! You will actually receive offers of credit during the Bankruptcy as banks know you can not file again for 5-7 years, I not remember. But, they see you as a good credit risk.
Check out the links;
http://www.uscourts.gov/bankruptcycourts/bankruptcybasics/chapter13.html
http://www.uscourts.gov/bankruptcycourts/bankruptcybasics/chapter7.html
BUT, be well informed before you do this and use it as a last resort!!!!!! TALK to a lawyer to know your options. MANY will do a first consult for free!!!!!!!
DO NOT listen to stupid people and DO NOT listen to me. Talk to someone that will really know ALL your options! OK?
I just try to point you where you really need to go. A good lawyer may help a lot better. And those Debt consolidation places, who you think paying for them? But, this an opinion and you ask! |
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mark
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check the current interest rate offered and your loans duration.
It may be possible to refinance with a lower interest and/or a longer term .
Talk to your mortgage holder before you default on the loan .
If real estate prices are up , you may be able to sell it , pay the mortgage and have enough left for a cheaper house . |
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Syracuse
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Whatever you do, don't take out a loan as this will further entrench you in your current bottomless pit of borrowed money. Instead, ask help from relatives and friends, borrowing a little bit from all of them. Avoid borrowing any more money or adding to your credit. If all else fails, try to petition with the people and companies you owe. If they have any good will, they will most likely assist you by extending your deadlines. |
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caser_92
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try this. if it works, lucky you it was on yahoo homepage
http://finance.yahoo.com/expert/article/millionaire/28733 |
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Darin Frantz
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The bottom line is if you can't afford the payments now a refinance may not help you. Unless you have a really high interest rate your payments are not going to go down that much if at all... you will also lose a lot of potential equity.
We always council our clients to take a hard look at their budget and not with rose colored glasses. You need to decide, if you can't afford the house you need to sell it before if wrecks your credit and you can't buy another house. If you let it foreclosure you may be renting for many years.
Please look at this article we have posted on our blog. Depending on your beliefs it may help you focus on what is important:
http://www.afscanhelp.com/blog/2007/4/foreclosure-crisis-opportunity.cfm
If you come to the realization that you can afford the house we may be able to help you avoid the foreclosure. There are many options that would allow you to get caught up and bring the loan current. Here are few:
http://www.afscanhelp.com/repayment.cfm
http://www.afscanhelp.com/loan.cfm |
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Ross
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what can you do for extra money each month? What can you eliminate each month (useless things like going out to eat, cable, high speed internet).
Look to your budget before you look to the government for hand outs.
If there was some magical government handout, then there wouldnt be foreclosures. |
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