Should I refinance into a 15 year or 30 year? current rate is 5.5%

I bought a house in 2009 for 185,000 at a rate of 5.5%. I am now interested in refinancing to a 15 year FRM with no cash out. Right now my monthly payment is 1400 and if I refinance it will go up to 155...

FHA After Chapter 7 Bankruptcy

Can I apply for an FHA loan after filing for bankruptcy? What are the stipulations and requirements I need to follow in order to do so?

30% down on a home with bad credit, is this possible?

I have 30k to put down on a $100,000 home, I make around 31k a year after taxes, but my credit is 578. Can this work?

Streamline FHA with late payment record

I currently am in a FHA loan but was late with payments from October 2010 to March 2011. I am current since April 2011. Am I able to do a streamline or will I get denied? Is there a way if I put some ca...

Underwater Refinance, Want Lower Rates and Payments

I purchased my home in 2006 for $254,500 at a 7.5% rate with credit in the mid-600's. House appraised for $230,00 about three months ago. I have no money to make up the difference, but is there a way to...

Underwater Loan, Freddie Mac, what can we do?

We have a Freddie Mac mortgage and we're currenlty underwater almost 100,000, the home is valued at 375,000. Can we refinance through a HARP or what can we do?

Can I only refinance my first mortgage and not my second mortgage?

I was curious is it possible if I have two separate mortgages with two different companies would it be possible to refinance one without affecting the other?

How do we refinance, no one will take us!

We have excellent credit (820). My husband and I have been working for 10-15 years, with a combined take home of $110,000. Currently we have a first mortgage with $350,000 left and a second with $140,00...

Refinance my ARM now or later?

Right now I'm in a 5 ARM at my Atlanta house at 6.25% when I was living there, renting it currently. The ARM expires April of 2013. Should I refinance now or wait until the expiration. The balance curre...

30 year FRM or 5/5 ARM? Which is better?

I have a loan amount of 460,000 with a down payment of 46,000 (10%). I have the following options:- Fixed 30 Year with 4.375% ( 0 points), 4.250% ( 1 point), or a 4.125% ( 2 points).- 5/5 ARM with a 3.3...

Refinance a rehab house for cash out

I bought a fixer-upper property a little less than 2 years ago for around $325,000. Repairs are finished but we incurred more costs than we had anticipated. The whole house was replaced and is estimated...

P & R Conforming Loans in California?

I know Wells Fargo is currently offering a conforming P & R loan for California, are there any other lenders that offer this type of loan?

Quitclaim the best way?

In 2006 I began paying the mortgage on my mother's house. I'm now looking into buying it from her and getting a lower interest rate on the mortgage. The situation is that when I graduated college, I dec...

Is it possible for us to refinance?

I am 28 years old, have terrible credit due to my stupidity when I was younger. Still have problems with my credit biting at my heals.. My wife on the other hand has decent credit 700+ high score but no...

do you need to have 20% equity in your home value to qualify for refinan...