Wife has a worse credit score, but better income.
My wife has a middle score of 690, but mine is 770. However, she has a bigger income than me. Whose name should be our new mortgage be under or does it even matter? We are not sure can someone help?
Better debt/investment solutions?
Given the industry theory that total home costs should stay roughly within 25-33% of ones gross income, what is the best way to handle a mortgage if I have money left over? Is it best to pump money into...
Should I refinance to a 7/1 ARM if I pay approx 40% over the payment eve...
I bought a house approx 16 months ago for 220K, judging by the comps it's probably worth 210-220 range, I owe 168k and I am in a 30 year fixed @ 5.375%. My payments are about $1365/mo(no PMI) w/ everyth...
First time home buyer first steps?
Hi all, I have made a few threads in this forum previously about my desire to purchase my first place in the upcoming year. I need some advice as this will be my first home. I'm 24 and am looking to pur...
Help..Can we cancelled the escrow and started another loan application t...
Hi All,We currently have a 30-yr fixed mortgage at 5.375%. Last week we were going through a refinance to another 30-yr fixed at 5%. Just 2 days before close of escrow, rates went down and we were getti...
How long do i have to employed with a company to be able to get a mortgage?
I am on salary with no commission - not self employed. My wife is also employed full time.
Help with Refinancing
So I took out a 30yr 3/1 ARM in 2006, currently its at 4.5%. My father co-signed at the time due to my income. I want to refinance to lock in a low fixed rate. I don't want to worry about the rate adjus...
Cash Out Refi Question..
I purchased my home 2 years ago. Bought it as a short sale, but appraised higher. Estimating home value between 80-90K. Owe 55K on first.I am looking to obtain a 2nd or HELOC for home improvements, cc d...
Should I refinance my home?
I have a 15 year mortgage with only 9 years left at 5.250% interest on 189,000.00 balance. My mortgage company will let me refinace for 15 years at 4.385% at no closing cost. Do you think I should refin...
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