Two part question...PMI and refinance
We bought our (1st) house in 2003. We had terrible credit then. We were able to take a loan out for $122k with a 7.37 interest rate for 30 yr fixed . And the PMI. I didn't think much of it then because ...
Which Loan Scenario is better - Large Down/Large Prepayment?
Assumptions: 400K home price, nominal 20% down, 30 year fixed Scenario 1: Down: 40% Interest Rate: 5.25% Loan Amount: 240K Scenario 2: Down 20% Interest Rate: 5.25% Loan Amount: 320K Prepay...
Got an NOD while in negotiation for a loan modification
We are in the process of loan modification with our lender and we are two months behind with our payments. We have submitted all the necessary documents and we're just waiting for the result. We receive...
My middle score is 580 - Can i still do it?
I am looking to buy a home valued at 265k. I make about 70k a year and have 5 percent to put down. My middle credit score is 575-580. It fluctuates. I am married but husband credit is terrible, no stabl...
Need some money for home improvement....
We recently bought a foreclosed home free and clear and now need to take some money out of it to make home improvements. I had a bankruptcy nearly 15 months ago, but I just checked my credit score and i...
Rates in the next 10-12 months
Our 7/1 ARM is currently at 5.25. However, it will be resetting in June 2010. I think I can qualify to refi, should I do now or wait it out for lower rates?
Can I buy a house with these scores: 590, 594 and 602.
My 3 credit scores are 590, 594 and 602. I made 71k last year and 63k the year before and have been on this job for 5 years now. My monthly bills(not including rent) are around 1200 but will be dropping...
Hello everyone... My wife and I have stellar credit, excellent salary a...
We owe about $600k and have a not-so-good or accurate appraisal for $680k (i.e. incorrectly listed carpet instead of hardwood among other things). We're in northern california so considered a "declining...
OK, I'm currently (by my estimates) about 20K-30K underwater with a 30Y ...
I want to refinance both of these into a single 30 year fixed loan @ about %5 but nobody will touch it because it is underwater. I have a lot of availble credit on credit cards in the single digit % ...
Hello, Here is my situation, I got divorced about a year ago and I need...
I want to change the rate becasue it is high and I think i can get better.The loan 80/20: owe 229k on the first owe 99k on second My house is worth about 310k right now. I have about 30k in cash but I...
my landlord has a home property he lives in and approximately 11 additio...
I have been served foreclosure papers that state he has not made a payment on the house since 11/08. He insists he is completing loan modification on all these properties and I should not worry (to cont...
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