Hope7582 asked:


My ex is considering BK and in our court order he was to refinance to remove me from the loan and not to encumber the property. He has not removed me so I was wondering if a BK filing is considered an encumberance?

Vera

jinxies asked:


? Qu? if your home is worth $ 700ky you have a $ 200k HELOC m? s mortgage of $ 423k? • A better idea just to sell or sell short? The total payment is $ 4818/mo and make about $ 72k for a? O. I think a refi to save the house for about 3 years of, after s next? S rebulding of our cr? Dito, tama drink and sell it? O.

Chad

dufus king asked:


We couldn’t get a new home loan because we are less than two years out of bankruptcy, but could we get refinanced on a home we own?

Jeremy

kelly m asked:


I am looking to get a loan for a modular home and a piece of land. We would need about 250,000. My husband claimed bankruptcy in 2001 before we were married. I have good credit and make close to $60,000. However, I do have a few credit cards and a student loan to pay. He makes about 35,000, has limited credit cards and a car loan. For the most part we both pay our bills on time. Do you think the bank will even consider giving us a loan?

Grace

butterfly31201 asked:


I have a car loan of about $10,000. I got this loan about 9 months ago. I am just wondering how it will affect me if my co-signer files bankruptcy.
The car is in my name and she is the co-signer. So with all this new stuff I know does this mean they can come take my car too? Even though I make the payments .

Danielle

newjerseydaniel asked:


I have filed bankruptcy in the last year and dont have the best credit but i need to refinance so i dont lose my home. Does anyone know of any companies out there that will work with me?

Lillie

JandJ asked:


We have our 1st mortgage w/them and are about to refinance at a better rate in the next 30 days. Rumors are going around they are about to declare bankruptcy.

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Steven James asked:


The home mortgage refinance loan is a good alternative to foreclosure and bankruptcy and is a viable option to regain some ground in your financial situation. The home mortgage refinance loan is a complete and total replacement of the mortgage that you currently have. There are times, when the current mortgage that is on the home has been paid on for many years that the cash out home mortgage refinance loan is available. Your goal should be to find the mortgage refinance loan you need, with lowest rates possible refinance loan and so on the line of the load.

The Refinance Loan:

The concept is simple: You refinance your mortgage into a low interest mortgage refinance loan for more than you currently owe (up to a maximum of the amount of your home’s current value), and get cash back for the difference. Adopting the following points will help you improve your chances of getting lowest refinance rates:- Keep track of your credit ratings: Having good credit ratings is one of the most important factor to be eligible for lowest refinance rate. By taking a 2nd mortgage refinance loan of $100,000 against the equity of your house, you can not only pay off both these mortgages but also use the remaining amount to finance your other financial needs like debt consolidation, home-improvements etc.

Remember that it is very important to take time when you are deciding on where to get your home mortgage refinance loan from because you want to make sure that you are going to be getting the best value and that you are not going to be getting ripped off. It is just important that you take the time to find the right company to get your home mortgage refinance loan from, so that you know you are getting the best value for your money and also so that you will save years down the road and not just the day that you refinance. It is profitable to apply for a home mortgage refinance loan if the borrower has a new home built in recently with modern design, color, and modern amenities and which is also situated in a well communicated area.

The interest rate and discount point charges may well vary greatly between lenders and a calculation must be done to see if home mortgage refinance loans will benefit the borrower or not, and if so, determine how many years it will take to reap those benefits. In instances where a refinance amount is more than the original loan amount, the borrower pulls money out of the house and chooses to take a higher monthly payment and have cash available for spending. A mortgage refinance quote is available for any one of a number of programs, whether that be a 30 year fixed mortgage 15 year fixed or a shorter term adjustable such as a 5/1, 3/1, or 10/1 Adjustable rate mortgage.

So is it worth it?

When considering this solution, it is important that homeowners become familiar with the various types of rates and fees associated with a mortgage refinance loan. Fortunately, a mortgage refinance loan is easy to apply for and the eligibility requirements are generally clear cut. This type of loan can indeed REALLY save you money!



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