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Asked 01/29/2008 12:41 pm CT (Forks, WA)

We are refinancing our house. Right when we started our refinancing I was offered and accepted a new job. I am afraid this will cause problems with the refinancing if i terminate my employment with my current employer and move to my new employer. Is this something i should even broach with my mortgage company?

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Asked 01/29/2008 04:16 am CT (Ewing, NJ)

Is it possible to just refinance my second mortgage. I have 12 years left on it and at 7.5% I know I can do better, but everytime I call my mortgage company they want to roll it into my 1st mortgage which is for 30 years and 6%.?

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Rose, First of all, your second mortgage of 7.5 is not bad and chances are you can't do better than...

[ Total Answers: 1 ]

 
 

Asked 01/28/2008 02:04 pm CT (henderson, NV)

My percetage rate on my second is 13.5% and the mortgage company will not bring t down they wrather see me go into difault i have ask them several times to bring it down but down also my loan is 30 years fixed and 15 years of interst first and 15 years prinsapol

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Asked 01/27/2008 08:04 pm CT (los angelges, CA)

how do remove my exboyfriend\\\\\\\' name off of my title because he refuses to do so, he has not paid any bill or part of mortgage over a year. this has caused me horrific duress.I put his name on my title thinking that he would help my pay for this home; he did pay half of bill for about two years but no money for over a year and does not plan to pay any thing else and will not move out. help me

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Asked 01/27/2008 07:51 pm CT (Olive Branch, MS)

My wife and I are in a terrible situation. We closed on a home over a year and a half ago, and on the last day of closing, we were shocked to find out that the PMI attached to our loan was $830. My credit score isn't good now, averaging around 547 and my wife's credit score is similar. Our rate on the mortgage is 7.75; however, the PMI is killing us? Any way we can refinance with at least a smaller PMI?

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Asked 01/27/2008 12:18 pm CT (Towson, MD)

I have a mortgage balance of approximately $48,000 (fixed rate, 30 year, 7.625%). This mortage was assumed in 1994. I do not want to get extra cash. Would it benefit me to refinance at a lower rate?

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Your benefit would be to save money over the new term of your mortgage or reduce your term to a 15 y...

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Asked 01/24/2008 04:29 pm CT (Lampasas, TX)

I received a Form 1098 for a timeshare property we are currently paying on. It is deeded property. Can I use the Mortgage Interest paid as a deduction on my tax return?

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Erin - While I'm not a CPA and recommend that you consult one, my wife and I own membership in a Tim...

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Asked 01/24/2008 07:24 am CT (Bronx, NY)

We live in a house owned by my mother who moved to Florida. We would like to buy a share of the house (30%). Can I get a mortgage for buying a share of this house? If not, any suggestions?

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Asked 01/24/2008 05:55 am CT (tobyhanna, PA)

Is there any way to get out of a ARM mortgage with a high rate of 8.150% without paying a $5,000.00 penalty fee? I owe $108,337.00 and I have never been late with a payment and have excellent credit. I have 2 more yrs. on the Arm.

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Maureen,. You should give me a call to discuss the details. I am very local to you and would like t...

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Asked 01/24/2008 05:42 am CT (houston, TX)

if my ex finance and I purchased a home together and both names are on the mortgage. Bought house in 2005 and he has moved out in Aug 2006. can I take him to court for breech of contract since he has not paid his half of the loan

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Asked 01/23/2008 05:16 pm CT (FT. LAUDERDALE, FL)

When a Lender runs a 4506T do they see the amounts you filed? I was told by my mortgage broker that when the lender runs the 4506T He will see that I filed taxes but not the amount I filed. I hope that is correct. Is it?

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My understanding is that on a stated loan the lender may request the IRS to send confirmation that y...

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Asked 01/22/2008 06:27 pm CT (Defiance, OH)

If my wife and I are both on the deed but only I am on the mortage, can she refinance or buy the home. Her FICO is higher and she has no late mortgage payments. we are just trying to save our home and get out from under this horrible ARM. Its only 1 morgtage in my name and the rate has now rose to 11.25. please help..Thanks...

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Asked 01/21/2008 01:24 pm CT (Richmond, VA)

I have good/fair credit median is 700+ i want to re-finance my house but my debt to income ratio is slightly high, it was high when i got the mortgage a year ago so i don't understand why i'm having issues re-financing, are there any lenders that will overlook this so i can re-fi. I desperately need to.

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ING- Good credit is king and congratulations on that. With home values dropping, it has been harder...

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Asked 01/20/2008 05:29 pm CT (Bay Point, CA)

What does each decrease of .5% interest reduce a 30 year $300,000 mortgage?

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Hi Steve, This would lower your Principal & Interest Payment roughly $96 per month. If you have ot...

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Asked 01/20/2008 03:51 pm CT (Greenville, NC)

My husband and I got married just a month an half ago. He told me and my children to get out last night. My name is NOT on the mortgage but it is on the deed. He told me that I will still have to pay my half of the house payment. Is this true? Is there a way I can get out of it. I don't want anything from the sale of the house.

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No you are not required as of this point to make minimum payments of any kind. I say at this time be...

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Asked 01/18/2008 11:20 am CT (Miami, FL)

I was asked by a relative if they can use my good credit score so they can qualify for a mortgage. The agent told them that they would check my credit report but the mortgage would be in their name not mine. Is there such a thing as what this agent is saying. I am very leery.

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Hi Helen, Your instincts are right, you should be very leery of this situation, as your name will ...

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Asked 01/17/2008 02:01 pm CT (boca raton, FL)

My husband and i are looking to apply for a mortgage soon. My husband has fair credit, some late pays, but a good income and steady job for several years, he also qualifies for a va loan. I am worried that some of the late pays and high credit card debt, will prevent us from getting a mortgage, we are paying down our cards, about $11,000 left. Should we give up hope on qualifying? or just wait until we pay down the cards? thanks for any help

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Asked 01/17/2008 09:15 am CT (coconut, FL)

please help me if you can iam going to be In Foreclosure IAM ON S.S ONLY and can not pay my mortgage any more iam 4 months behind and will lose my condo how long will it be before i lose my condo I have not got any letter from my lone co. and i got my property tax in the mail do i have to pay the tax or do the lone co. or whoever gets the condo pay it when thy take my condo from me iam paying my maints of $252 every month to the condo . and trying to find some wear to live. I dont know what to do

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Asked 01/17/2008 07:55 am CT (Sardinia, OH)

My husband @ I divorced 3 yrs ago. I stupidly wrote up our decree when we divorced. I used the word or instead of an when it came to him refinancing the house and second mortgage.After divorce was final cort said this gave him a choice so he does not have to refinance. I have been unable to get loans and now my credit is awful. I can never buy anything house, loans etc / debt to ratio looks bad. I tried to refinance loans he is still on that I have and was denied/ debt to ratio probs. When we divorced right after court he said I promise to refinance if you sign over the deed. I trusted him ( Stupid ). We went to a bank immediatly and signed it over. Three yrs later he refuses to refiance what can I do?? Pleas help me.

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Asked 01/14/2008 11:25 am CT (Dix Hills, NY)

If u own property in NYS, does the mortgage and the deed have to be in ur name ?? or can the deed be in your name and the mortgage in a different name??

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