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Asked 11/18/2007 06:36 pm CT (LITHONIA, GA)

MY CREDIT SCORES ARE 595, 547, AND 554. I FILED FOR CHAPTER 7 IN JAN OF 07. I HAVE A DEFAULT STUDENT LOAN (CURRENTLY PAYING A YEAR AND A HALF WITH A GARNISHMENT OF $450 A MONTH)AND $850 ( I DON\\\'T KNOW IF PAYING IT WILL HELP AT THIS POINT) WORTH OF STATE TAXES SINCE 1998. I MAKE ABOUT 47,000 A YEAR. CAN I GET A MORTGAGE LOAN.(FIXED RATE WITH LOW INTEREST NO MONEY DOWN)

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Asked 11/18/2007 08:14 am CT (philadelphia, PA)

are prepayment mortgage penalties allowed in pa.

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Yes they are allowed Belinda,. A mortgage expert can evaluate your needs and put you in a mortgage t...

[ Total Answers: 1 ]

 
 

Asked 11/16/2007 02:29 pm CT (brantford, Ontario)

Good Evening. I am in a rental & got served with papers last night from law enforcement that my landlord has'nt paid his mortgage. We were served with papers to sign & fill out as to our rent & who pays the utilities, we filled them out but did'nt sign anything yet out of fear.Our landlord did re-morgage the home I am living in & has'nt paid. I'm lost what to do. I don't want to move I've been here for over 3 years & our daughter has settled in beautifully with school, etc. Will I be able to buy this home from him? The law enforcement agent said we have to pay our rent to the lawyers office now. Any help will be greatly appreciated & might get this knot out of stomach.

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Asked 11/16/2007 06:31 am CT (detroit, MI)

if i have a mortgage and i wanted to do a quick claim deed into my brothers name

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Not sure what your question is. but, be sure to talk to your CPA, and/ or attorney about possible t...

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Asked 11/14/2007 01:11 pm CT (Hollister, CA)

I will soon inherit a rental property and some cash. The property has a mortgage of about 49K. Should I pay it off or continue to make payments? I have a current tenant.

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Chuck. Pleae give me a call. I'd like to learn a little more about you and the situation. I can be r...

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Asked 11/14/2007 11:16 am CT (Salt Lake City, UT)

We are getting ready to close on our mortgage loan and were asked to complete a 4506 T form. How many years back do they typically request? In 2004 and 2005 I owed on my taxes. The debt has been paid, can this still effect our loan?

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Depending on what type of loan program you are getting will depend on if or when the lender will exe...

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Asked 11/14/2007 06:58 am CT (Schenectady, NY)

I currently have a mean credit score of 542. I have a steady income and work history and my current salary is $36K. Can you tell me if it is possible to obtain a mortgage with these credentials? I am also going thru first time home buyer programs to obtain down payment assistance. Thank you for your help!

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The answer to your question is - Absolutely! I routinely provide financing for clients with your pr...

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Asked 11/13/2007 09:36 pm CT (san pablo, CA)

ive just recieved this mailer by a company called apf/ov.They are offering some kind of program called a NAPF program what is it??? ive been searching online for a web site or other info but they had neither a site or info on the program.We are in a BIG problem right now with our mortgage the 5yr fix prematurally ending after 2and a half years of paying and we are paying more than quadrupale the amount we were before and no one will help use!!!.They only gave us 3 options pay,forclose,or sell..Those options are hard we have a big family of 13 and mostly all of them are children and we owe more on the house than what it is worth!!..The peron who signed the loan for us didnt tell us about this happening or anything else she just wanted her money and didnt care if she screwed peoples lives up...we were uneducated because this is our first house CAN SOMEONE PLEASE HELP US OUT!!!

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Hi Chris: Sorry you got involved with a lender that did not explain te loan program you bought. If ...

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Asked 11/12/2007 07:42 pm CT (Sulphur, LA)

My Husband And I signed over the deed to our home July 16th 2007 because the Mortgage had become too much for us to keep up with. We were behind on a few payments and were trying to sell our house by owner and even with the help of a real estate agent. .After a few months of trying we decided to contact an investor who said if we signed an assumption of deed over to him, he would make the payments until he could find someone to purchase it. Well, he did find someone to do an owner finance for at a year..they paid him a generous down payment and then monthly payments as well. Since we were behind the investor had to work out a repayment plan with our lender. this was spread out over a years time,and is still reporting late on our credit...further damaging it and we are still responsible for the note even though we signed over the deed. I talked with him about selling the property now so we could be off the loan, but the agreement he signed with the people now living in our house says they must wait a year to obtain financing. The reason for this is we have equity in our home and will have even more when the pre-payment penalty drops off next year. he is stands to make at least$30,000 off our home and we walked away with nothing. He has not made one payment on time in the last few months and the Mortgage company keeps calling us. I called the people living in the home and discussed the arrangement they have w/the investor. He has mislead them in many ways and us! they were not aware that we were still on the loan! Now I am wondering what my legal rights are in reassuming my home or even working out something with the new tenants to sell outright to them at a lesser amount. Do we have any rights? Our credit is not in great shape because of late payments, A discharged Ch.7, medical bills( all three of our children had tonsils out), I have not worked for the past few years, etc. BUT I am now working again and our Monthly net income together is $5800. Could someone please help us to repair our damaged credit and possibly gain control of our home again so we can make a profit from it and further improve our credit. Jen

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Asked 11/11/2007 05:22 am CT (Portsmouth, VA)

My wife & I have paid off our 1st mortgage & we have a line of credit that we obtained 7 have used to pay taxes & etc. Is it possible to refinance our house to do away with the equity line of credit?

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Absolutely, Yyou should be able to refinance the equity line into a variety of loan products such as...

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Asked 11/10/2007 12:42 pm CT (charlotte, NC)

I have a judgement on my credit report and I want to apply for a 1st time mortgage. My credit score is in the 600's. Are there any mortgages available for ist time buyers that will allow them to wrap their debt into the mortgage payments including a judgement. If not, what are my alternatives. I really want to buy a home. I have a good job history and salary.

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Asked 11/10/2007 12:26 pm CT (Rialto, CA)

Can me and my wife a get a reversed mortgage even if we have only been in our home for 1 year.We are both over 65?

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Yes. Paul Cantor, TrustMor Mortgage Co., www.PaulCantor.com, 804-433-1510....

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Asked 11/10/2007 12:22 pm CT (rialto, CA)

We just bought our home last Dec 2006.We have a 288 loan and a 80/20.We went in with a $30,000 equity loan.Now because of not being able to get parts back East,because of the weather condidions,we were forced top be laid off for 3 months.we got behind for three months on the first loan.Can we refinance and get our loan into one mortgage and get extra money to pay city taxes. The mortgage is a fixed loan and the first is 6.665 interest.We have tried but the lenders say no.We are senior citizens,but have a good income.What are our options?

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Asked 11/10/2007 12:12 pm CT (Fenton, MI)

My aunt has named me executor of her will when she passes. She has a mortgage that is more than the worth of the home. When she is gone, and I (or the bank in the case of a foreclosure) sell the house to pay the debt, am I responsible for the balance of the loan due? I am not listed on title, nor will I inherit anything. For her estate's purposes, and potential heirs, is it better for me to have the bank foreclose and write off the remainder?

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Asked 11/08/2007 06:32 pm CT (San Bernardino, CA)

Rec'd ltr from Administrative Offices of APF/OV, 9620 Chesapeake Dr, S/Diego CA 92123, offering to lower mortgage rate to 1.95% fixed using NAPF Program. It sounds like goverment ltr but very doubtful. Ask to call 1800-252-1350 with ref#NF-121-4156639. Is it really true for 1.95% fixed rate?

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Asked 11/06/2007 07:44 pm CT (clovis, NM)

my loan is at 47,000.00 if i pay 1000.00 per month for 47 months will it pay off the mortgage

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Yes, as long as your interest rate is 0%.

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Asked 11/06/2007 05:03 pm CT (Nashville, TN)

I found a house that I would like to buy. The man that lived there recently went into the nursing home. The family seems to be more than willing to sell the house, however, the man's wife's name is on the deed. (They have been separated for some time now.) His name in only on the mortgage. What steps would the family need to take for me to take ownership of the house?

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The man and wife would have to sign the deed of the property over. If he is passes away a will and ...

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Asked 11/06/2007 03:21 pm CT (Bath, PA)

My husband and I are in a ARM and our rate has gone up to 10.5 and our mortgage payment has gone up $350. It is getting very hard to keep making our payments and we would like to refinance into a fixed loan. The problem is that we are in a chapter 13 bankruptcy for 3yrs. We are almost done with it we only have 4 more payments then we need to wait for the discharge paper. From what I hear it can take up to 6 months to get that. So that means we have another 10 months till we get the discharge paper. Is ther anyway to refinance now without a bankruptcy buyout>?

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Call me. I am 20 mins away from you. I would like to see if we can help. 484-358-2378 or email a...

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Asked 11/03/2007 09:00 pm CT (LONG BEACH, CA)

we are 3mo behinded on are morgage i call and talk with the lender and they tell me we can not get into a progam. that we have the money. last year we got a new home but before the loan close there was a fire. and we were going to rent the house we live in, down escrow said that we could close the loan and the inc.com would pay to fix the house but paid the old own of the new house she took the money and left. we had two mortgage payment now and had to sell the house that had the fire that took 9mos to sell had 150,000 damage. we had to do a short sell and losse 198,000 and down behind on the house we live in we need help we are faceing foreclosure i have worked over l year now to get a loan but because of that house with the fire 2007 was hell for our family. we need help.

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I don't quite understand. Not sure why you bought the house that caught on fire. Was there no insu...

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Asked 11/02/2007 02:10 pm CT (Ontario, CA)

Must you be behind a few months on your mortgage before the bank (WAMU) will consider a modification? I was denied in August because my loan is not behind. However, I will be behind in the near future.

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Now that's not a very positive attitude. Chin up and hunker down. You can do it! ...

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