 Who is responsible for this damaged wood? Renter vs. Owner? |
| We rented an apartment and the railing on our back deck is made of dry rotted wood. When we moved in it looked pretty good. The wood is so dry rotted I could stick my finger through the wood. T... |
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 Is it insulting to offer $170,000 for a home listed for $189,900? |
The seller is very motivated, and the house has been on the market since August 2007. However, it has been reduced to $189,900 from $209,000.
what would be an acceptable offer?... |
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 If you have sold? |
| your house, how long did it take for you to sale?... |
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 Where is the best state to live at for a family of 4 or single? |
| (first of all I live in Va. and it suckS) I want to go 2 a place that is not a commonwealth state. and taxes is not high. and resonable of the cost of living. need some help ... |
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 What is the highest your credit score needs to be to get a mortgage loan? |
| I have been trying to get my credit straightened out for a month now and I was wondering how close I may be to actually getting a mortgage loan.... |
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 Landlord altered lease after I signed it. What can I do? |
| Yesterday my wife and I signed a 4 month extension to our rental lease on our apartment. Later that day someone taped a copy of the lease to our door that had been altered ($50 dollar increase to ... |
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 What do you consider the one factor most important to selling a house? |
| Everyone has a different idea of what sells homes and what it takes to sell a home. Assuming there are buyers out there, how do you reach them and what do you emphasize. What is the key motivator ... |
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 Which is a better deal?!? |
I'm moving and I'm so short on money...
I'm going to be the only one living here, so I don't care if I have to live in a studio! lol.
Tell me which you think would be a ... |
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 Can I refinance with a big cash out if I'm in between jobs? |
| My home is valued at 365K. I have 88K of the original loan left on the house. I'd like to refinance the balance and take a cash out in the amount of 190K on top of it. I have excellent credit ... |
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 Would it best if I was to send my mortgage company a notarized letter stating I no longer wanted my home? |
| or should I just let well enough alone. I want to do what is best for my credit. I am truly hoping I can sell it to someone.... |
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 Is there anything we can do, or are we just SOL? |
Question: Is there anything we do or are we just out of luck?
Situation:We live in an apartment, on the second floor. Our apartment is completely enclosed, meaning that even the stairs to ... |
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 Condo being sold Overpriced... HELP? |
I am probably overracting, but let me know what you think.
My mom had a vacant (clean) condo on sale for $169,000 in Southern California. She received an offer for $177,000 and the buyer ... |
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 Who should I talk to about advice for buying a house or condo? |
| Do you think Bankers would give me sound advice, are there home loan advisers. I want to own my own home, but I honestly don't know where to start.... |
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 Can I refinance if I owe more then my house is worth? |
| I own a townhouse in boca raton and owe 295,000. The market value is less then the 295,000 that i owe. Is there anyway I'd be able to refinance? I have a credit score over 700 and a good job but ... |
|
 Is it OK for me to spread broken glass on the basketball court at my apartment complex to keep people off of i? |
| These ghetto thugs from miles away come to our peaceful apartment complex and play basketball and i'm afraid they will ruin the neighborhood and start shooting people and dealing drugs and ... |
|
 Help about real estate agent Plzz? |
We are planning to buy a home in Los Angeles area & this is first time .We are planning to work with an agent and Do we need to pay him???If so how much do we need to?
Also can somebody tell ... |
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ginnyree03 | Is there such a thing as transferring your mortgage from one company to another? |
The mortgage company i'm dealing with now is totally belligerent, unfriendly and unhelpful. They literally will not answer questions - they just tell me I need to re-read my loan agreement. I don't qualify for a refinance, I just want to move my current loan amount to another company entirely. Can somebody please advise ?
Thanks ! |
 |
 
ogrendle
|
You would probably have to pay a penalty pre-payment. They are telling you to re-read because there probably isn't anyone there to answer. Call the agent who handled it for you and I bet they can get to someone in authority. Agents can get through because they need our referral business. |
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miked
 |
yes, you can dump your current mortgage holder. be caREFUL OF FEES THOUGH. YOU SHOULD BE ABLE TO QUALIFY FOR A REFI. YOU CAN ALSO ROLL ALL YOUR DEBT INTO YOUR NEW MORTGAGER PAYMENT. If that is not what you would like to do, start with your local bank about taking your mortgage. |
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NONAME
|
No, you can't just request that they sell your loan to someone else.
If you can't refinance, there's little you can do. You may be able to get some help from your state's real estate department (or commerce dept), whichever agency your state uses to license mortgage companies. There are rules the banks have to follow regarding servicing your loan. Perhaps they could help you figure out what you need to.
You could also call your regional HUD office. Heck, even a non-profit housing agency in your area may be willing to help.
Your loan, because of the interest income it provides, is an asset to the institution you are paying. Unfortunately you can't just make them sell your loan to some other bank. There's some really crappy servicing companies out there.
Document everything you can, including past experiences, and have the info ready when you call around for help. |
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tom_nearhood
 |
Sell your house and get out from under them or report them to the consumer protection agency! |
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Linds
 |
You'd have to refinance. Mortgage companies sell loans back and forth that's the only way your loan would be with another company without refinancing - if it got sold...
Do you want to refinance? I am a loan officer licensed in Ohio, California, Michigan, and Florida. If you are in any of these states call me and we can talk about it. I will give you a free no obligation analysis specific to your situation. Call me toll free at 888-526-5001 ext 772 or direct at 440-832-7772. My name is Lindsey! Thanks and good luck! |
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jpbofohio
|
Transfers happen all the time; they are just done by the mortgage company.
Mortgage companies often sell the mortgages/contracts that they
have written to others for more than what they paid. Other companies look at it as a good investment. If that happens you will get written notification of who now owns the contract and where your monthly mortgage payment is to be sent. |
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FeelingPurple
 |
You should refinance if you don't like the lender. I don't think you can transfer the loan exactly the same, but you can do rate & term refinance, and keep the same loan amount. |
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rmijares
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Drop me a quick note. I think I can help with this one. I just have a few questions...
info@valueinflow.com |
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P*Kitty
|
sure go to another mortgage company and perhaps you can even get a lower interest rate and lower your payment |
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bonehead
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Another mortgage company will take you on. Make sure you know what you're buying this time round! |
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