Ballon Loan

Hi, a few questions that would help...looking to combine both loans?Equity position or loan to value look fine. Debt ratio might be an issue though I would need more info to determine that. Feel free to contact me at 562.254.5616.

I believe we can help you but we should have a quick conversation to discuss all the specifics. Thank you,Don Boop Linear Home Loans 800-967-3020 Ext. 223

Hi, based on what you are posting you can use 2830.00 towrds your mortgage payment , car payments , credit card bills and any installment or student loans. if that is possible I can get you out of that loan, if you need help figuring that out call me Ralph Guertin at 954-274-7725 or email me at ralph.guertin@myccmortgage.com

Who appraised your home? Did you get it done independently or through a mortgage company? Are you presently in the process of a loan? Did that loan process go sideways or is it? Attempt a conventional loan (assuming you are in a county that will allow that high of a limit). Combine 1st + 2nd mortgages, you dont refi every day so think "GLOBAL" picture, meaning overall what is best for your scenario....Do you have other debts that make sense to consolidate within this mortgage refi, etc. All of these questions are personal, so you if you do not feel like sharing the answers here on a public forum, feel free to contact me directly at 916-560-1230I will personally help you, I wont run credit to issue you a Loan Estimate or give you advice (pre qualify), but if everything looks good and you feel comfortable we can proceed with a hard inquiry and go further. Hope this helped, good luck :)

you should look at refinancing the loan and consolidating the 2 loans to one new loan .....speak with a lender to see if your income will allow you to qualify for a new loan

More info needed, but if your "Gross" pay is $68K then you wont qualify for a refinance based on today's rates and assuming you have no other outstanding monthly obligations.. however, if the $68K is your "Net Pay" (take home).. then we would still need more info to advise you.. realistically, it takes 5 minutes on the phone with a qualified mortgage professional (like myself), and you will know exactly what is possible.. no more guessing.. For this reason, I suggest you contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

You would appear not make enough income to qualify for any new loans for the amounts you owe. But just contact a local mortgage broker in your area. Complete a full application, and let them see what options are available to you, if any. Also, 640 is not a good credit score. That low score can also cause issues. Good luck.

sounds like you have an adjustable rate 1st and/or 2nd line of credit. To be honest a credit score of 640 is below average for people in the U.S. If possible, pay down some consumer debt to a lower usage ratio to raise your scores. Dispute any erroneous collections, especially medical,