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Asked 04/23/2007 09:52 am CT (Plano, IL)

I have a credit score of 570 is there a way I can refinance my house.

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Marina, I can help you with your credit if you may still need help. See me at www.genesiscreditgrou...

[ Total Answers: 4 ]

 
 

Asked 04/22/2007 10:20 am CT (Wolcott, CT)

I bought a house two years ago in Lakeland Fl. I was struggling to make it work there but the job market was to bad. I was forced to move back to CT where I was offered a good paying job. During that transition I got behind in my payments on my credit cards never on my mortgage. I have established a repayment plan with most all my credit card companies now but my credit score dropped to 508. Because of the drop in the market the house would not sale so I rented it to help with the payments. I am renting here in CT 1400 per month but I would like to buy instead. Are there any companies that will finance me with that low score? I plan to sale the house in FL as an investment home because it has renters there for one year. My income is 85000/year with rental income of 1450/month.

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anything is possible, your sitution can be Rectified we can sell the investment and the equity can h...

[ Total Answers: 1 ]

 
 

Asked 04/20/2007 04:47 pm CT (Odessa, TX)

Two years ago the department I was working in closed down. I was making very good money at that time. However, since then I have been late on my mortgage payments. I have talked to the company and they helped. My job has been outsourced and the field I no longer make the money I used to. Last year it became worse with the gas/electricity hike. I fell behind again this year. I am not sure if I should sell my house or not. They say if I do not pay the payments I missed it will go into rapid foreclosure. However, my house payment is cheaper than the rent for a 2 bedroom apartment. Should I sell and look for a cheaper alternative? My credit is not good and I have no one to borrow money from. Thank you for your help.

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Asked 04/20/2007 08:46 am CT (Eagan, MN)

My fiance and I bought a townhouse. The mortage and title is in my name only because he wasn't living there at the time. We both put the same amount of money down, although I made mtg payments myself for a year. He's since moved in and is making all mtg payments for this year. I promised after he put an equal amount of money into the house, I'd put his name on the title. I think his name should be on the mortgage, too, but it doesn't sound like this is possible unless we refinance? My interest rate is 5.5% and I don't think we can get anything better than that! I will REFUSE to put his name on title unless we can get his name on the mortgage as I do not want any hassles about the house in case one of us or either of us should die. Is there anyway to get his name on the mortgage? Thank you.

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It is not common but you may check with your current mortgage company to see if they would modify yo...

[ Total Answers: 1 ]

 
 

Asked 04/20/2007 12:12 am CT (Las Vegas, NV)

Hi I bought the house I'm living in about one year ago . At the time when I was looking for a home I couldn't find anything for 300,000 now the house is worth 275,000 which means I'm upside down on my loan. I have an 80/20 sub prime loan with a two year interest only/arm I want to refinance but from what I hear it's gonna be pretty impossible. Do I have any options besides losing my house when the 2 year is up. By the way I have no prepayment penalty. Can you give me any advice greatly appreciate . Adolfo Sanchez

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Hi Adolfo, If you can give me more information I can possibly help you, please e-mail me at rama@...

[ Total Answers: 1 ]

 
 

Asked 04/19/2007 08:29 am CT (new gretna, NJ)

my credit score is under 500 and my house is in forclosure any one who will refinance

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GOT HAVE 30 TO 40 PERCENTS EQUITY IN THE HOUSE.

[ Total Answers: 1 ]

 
 

Asked 04/18/2007 09:37 pm CT (Cheswick, PA)

Right now my goal is to get out of this cramped trailer, and get into a much needed house with more space, since I have three growing children. I know I can't afford much, so am interested in a small 4 bedroom house in a decent low income area for 27900. Various calculators say I would be paying total cost a little less for this house than I do my current rent. One of the problems is that I don't work, and my husband doesn't exactly have a solid work history. Actually he is with a very good company that is well suited for him. He is now a Class A CDL truck driver. The first company that hired him, shouldn't have been hiring rookies right out of school. The second company was local where he worked for a year, but things wern't going so well. Then he drove for a temp agency. Now he has been working for a very good company for three months, he making the miles. The company seems to be happy with him, and he is basically happy with the company. Before he got trained in trucking, he worked 7 straight years with a low paying school bus driving job. My other problem is our creidt scores. I just bought my score and found out it was 657 not prime. Last year his was 647 high risk, but don't know what it is now. I decided to wait to get his until I feel like I can either move forward with a mortgage or paying off debt. Both were from experian. If I could get a hold of this house or another around that price range, I wouldn't be any worse off. I need a roof over my head one way or the other. Actually I might be a little better off, since it very well could free up some money even if it is just a little. I feel stuck because of the lack of a down payment, closing costs, my husband's work history (eventhough he is making the most he ever had in his life. This is still towards the low end of the payscale at .33 cent per mile averaging 2500 a week.), and our credit. Question 1: Is there any hope for me? Is there any way I could get into a house fairly quickly? Would it be better for me to wait and hope beyond hope something else pops up later when I have more money? There are not too many 4 bedroom houses for that low, and it does not look like a handy man special on the outside. From what my mom heard, the previous owners took fairly good care of it. Maybe I'm thinking to small, and need to wait until he gets a raise also. Maybe the market will fall more in that area also opening up more potential. There are already investors grabbing some for rentals though. I hate where I live currently. I already ran out of room a year ago. Question 2: Dealing with a little extra funds I'm going to have. I have a school loan I'm going to start repaying on next week. In nine months it is going to go up. The difference of what I'm going to pay now and payon later is about $130.00. Should I: A) Pay down the car loan - get it paid off quicker - then put the car loan money towards the school loan to help get that paid down quicker? B) Try to pay off some of the debt on our credit reports? C) Sock it away in savings to build up my cash to get a mortgage?

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Hi Suzanne: You need to apply with a quality loan officer and have your entire situation reviewed. ...

[ Total Answers: 1 ]

 
 

Asked 04/18/2007 04:56 pm CT (tallahassee, FL)

Darrell, Thank you for your quick response. I am the one with the higher income but bad credit. I have no doubt that my fiancee will qualify, but the amount he would qualify for is not enough to really get a nice house in this area of the country. We were hoping that by combining incomes we could qualify for a more substantial amount of money.

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TRY MORE THAN ONE LENDER THAT YOUR OPTION. 347-573-9799

[ Total Answers: 3 ]

 
 

Asked 04/16/2007 10:31 am CT (Renton, WA)

We have two loans on the house...we received a letter from the bigger of the two loans that they would be increasing our interest rate and they could increase it every 6 months from this point on. We had a pre-payment penality for 3 years but that 3 years will be up this month...the only thing is that my husband filed bankruptcy probably about a year ago. At the time we weren't married but we both owned the house with me being primary owner. We have no been married for about 4 months. Initially I had good credit but he had the money. I still have the better credit but I owe alot. My question is...how long typically should we wait before we refinance especially with the bankruptcy? Would it be better to refinace now in hopes that we get it at a fixed rate? Or should we wait a little longer even though the interest rate will continue to increase every 6 months?

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Melita- Well I disagree on the value of the house declining. Maybe in other parts of the countRy...

[ Total Answers: 4 ]

 
 

Asked 04/14/2007 02:22 pm CT (Dell, AR)

my parents bought a house for my husband and me. The house is in our name, they hold the lien on the house. We are currently in the middle of divorce. We are24 months behind in payments on the house. what is the best way to handle this? If my husband quit deeds the house to me that will clear him of the debt or is it best to foreclose?

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Asked 04/14/2007 01:21 pm CT (El Paso, TX)

My son wants to help us buy a new home. He has offered to pay half of down payment and half of the monthyly payment. Is it piossible to put the house in both ours and his name in this manner?

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a gift from you son is find... you don't have put him down on the loan the rest of the loan is up to...

[ Total Answers: 2 ]

 
 

Asked 04/14/2007 09:02 am CT (san diego, CO)

My brother purchase my cousin's home to help him out. My cousin was about to loose his home and asked us (my brother and I) for help. So in the end we bought his house last August 06 and he in turn will continue to live there and pay for the mortgage. To make the long story short, my cousin now is giving us a run around and is always late to a point where according to him he can't really afford this house. What can we do? The house is worth 362k bought it for 350K. Not sure if we can sell enough to pay for closing cost, etc because the house is in bad shape. Needs lots of cosmetic work. Can we return the home to the bank without foreclosure. My brother has excellent credit and we don't want to ruin his credit score. What are our options?

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Hi Wendy if your brither turns the house over to the bank then he will have a foreclosure on his cr...

[ Total Answers: 1 ]

 
 

Asked 04/12/2007 10:39 pm CT (cheyenne WY, WY)

hi, my husband and I are in the middle of moving to Washington. he is already there and we are getting ready to close an a house there,I'm still in WY the loan for the house is in my husbands name but the closing agent said that because Washington is a Community Property state that I have to sifn a quit claim deed. but if I do and something where to happen to my husband would I have any claim on the house, or would I and our children lose it? Do I have to sign the quit claim deed?

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Carri, Washington is very similar to our laws in CA. If you are not on the loan you will need to ...

[ Total Answers: 1 ]

 
 

Asked 04/12/2007 06:08 pm CT (South Bend, IN)

I currently have two mortgages on my one house and i'm wanting to move, If i sell for what i think i can i will be about $7,000 short of paying off both mortgages (after closing costs) What are my options for covering this? Do i need to get a personal loan? Is there a way to roll it over to my new Mortgage (this option would be ideal for me) Any help is appreciated. Mark

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How much closing cost are you paying? It would be best to find a buyer that will not request for yo...

[ Total Answers: 1 ]

 
 

Asked 04/12/2007 08:40 am CT (rohnert park, CA)

i sold my house 9/06 to my boyfriend at that time. he lost his job and fell short on the payments, since then he owned another home and did a "short sale", he paid his first off, but not the second. 2 months ago the 2nd lender (citifinancial) gave him a "special circumstance" approval to wrap the loan around the property i sold him. on monday april 9, 2006 day before the house taxes were due, he asked me (now ex-boyfriend) if i wanted the house back, he "grant deeded" the home back to me 100% and was recorded the same day. my question is, i paid the taxes, however im a bit nervous about the closing of the second. citifinancial did obtain title insurance 2 months ago, however they are not aware of the change of title "grant deed", am i going to be responsible for the loan? My name is not on the loan at all, only the 1st. i feel like he did this to get out of paying the 2nd completely. we are in california

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Sonja, My sister lives in Rohnert Park... Beatuiful City. My advise to your would be to contact Cit...

[ Total Answers: 1 ]

 
 

Asked 04/12/2007 07:54 am CT (Elyria, OH)

I own my home, no mortgage. My credit score is only in the 500's. I would like to get a loan of about 30,000 using the house as collateral. I want to get this loan to pay off some bills and to have some surgery that my insurance does not pay for.I have tried a few places, but they say no because of my credit score. Any help would be greatly appreciated.

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I have a lender that will be able to work on sub 500 FICO scores. I won't waste your time just give ...

[ Total Answers: 1 ]

 
 

Asked 04/12/2007 06:18 am CT (perth, Nova Scotia)

how to stop forclosure on house

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Asked 04/10/2007 02:18 pm CT (lou, KY)

Please tell me if I am in a situation that isn't right.It is this....A relative needed a larger house,but had to sell the house she had in order to get the house she wanted.Her house wasn't selling and so she said that I could move into the house and every monthly payment I made would go towards the house being mine.Of course the monthly payments are high,but the house is worth it and so now I am concerned that this house will never be mine,because I found out that in order for her to buy the larger house and get approved she had to put the house I'm in on the morgage of the larger house she bought.Now there are not two morgages,but one large one.So now the two houses are tied up in one package.I will never own this house like she said I would,will I?

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NOPE, doesn't sound like it, but if you would like to call me, I will get a few more details and we ...

[ Total Answers: 1 ]

 
 

Asked 04/10/2007 12:54 pm CT (Charleston, SC)

In 2002 I was forced to sign a quitclaim deed with an ex-boyfriend stating that i have no rights to the house. Looking for a way to overturn that. I invested in that house too.

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Since you've already signed over your property rights with the QCD, you'll need an attorney. Perhap...

[ Total Answers: 1 ]

 
 

Asked 04/09/2007 04:25 pm CT (lakeland, MN)

I have had a bankrupsty discharged on March 12th and I have a home equity loan that wants me to reaffirm the loan. If I don't reaffirm and make payments, do they just put a lien on the house or can the 2nd mortgage foreclose on my home?

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Do NOT reaffirm until you talk to your attorney. If bankruptcy was a Chapter 7, and the Home Equity...

[ Total Answers: 1 ]



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