Question: #1: refinance?
what are the steps and/or qualifications to refinance a used car?
- asked by enn d
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Question: #2: Refinance?????
I have heard that mortgage rates are really low right now. Does that mean that it would be a good idea to refinance my mortgage in order to get a lower rate? How do I do the math to figure out if it would be worth it or not? Are there any hidden costs or fees in a refinance?
- asked by MikeyJ
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Question: #3: How fast should i refinance my car loan?
Car loan is 17000 dollars apr is 17 %. Dealer told me that i can refinance in 4-6 months, but i think he lied to me. Bank told me that i can refinance only once.So 4 months passed.SHould i try to refinance it or wait at least 12 months???Thank you.
- asked by cooler
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Question: #4: What is the difference between streamline refinance vs regular refinance on fha loan?
My husband and I were recently married, we are in the process of trying to refinance our home. We wanted to know the pros/cons of streamline refinance. We are also wanting to add me to house loan to see if added income helps with rate? I am getting the impression they (wells fargo) is wanting us to do regular refinance. They said it is a standard 3800 no matter where we go or what we do. Any others know anything about either?
- asked by gmoney
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Question: #5: How to refinance a home mortgage with negative equity?
I really need good options on how to refinance a home mortgage with negative equity. Currently my mortgage wont allow me a refinance. Any options on what i could do?
- asked by that username
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Question: #6: I want to refinance my mortgage but it's owner financed. Is that a problem? How would I start theprocess?
I want to refinance but I have an owner financed mortgage. Can I it refinanced?
- asked by mary75862
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Question: #7: Is it possible to refinance after you get a loan modification?
I recently got a loan modification and it is going great. However, I am interested in refinancing to include my home equity loan. Is that possible or can you not refinance once you have gotten a loan modification.
- asked by Sally
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Question: #8: Is there a new refinance program that forgives negative equity and refinances the house atcurrent value?
I heard about some new government loan where if your home has dropped in value, the government will absorb the depreciation and refinance your house at its current market value. I just bought my first house in August of 2008 for $275,000 which was a foreclosure and the other foreclosed homes surrounding me are now being offered in the $240,000 range. So in 4 months I've already lost around $35,000 in value.
- asked by hotguyfromrincon
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Question: #9: Is it possible to refinance your home and include your car loans and credit card debt in therefinance?
With no money down? This is our first home and we've owned it for 4 years and looking to refinance.
- asked by fromthecabbagepatch
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Question: #10: is it possible to refinance a heloc without refinancing your first mortgage?
I have a good rate with my first mortage at 4.25 fixed for 15 years. I also have a heloc that is adjustible and is at about 8.5 percent right. I would like to refinance the heloc without loosing the rates on the 1st. Is there such a thing?
- asked by JustSomeGuy
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Question: #11: Is refinance a must to convert my primary residence into an investment property?
I am buying another home and making it my primary residence. I am planning to rent out my current primary residence, on which I have mortgage, thereby making it an investment property. Does that invalidate the mortgage terms because the mortgage was issued with the condition that the property be used as a primary residence. Do I have to necessarily refinance it by classifying it now as an investment property?Thanks in advance for any help.
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Question: #12: Can you refinance a interest only construction loan prior to converting to conventional?
My wife and I recently moved into a new home which we are still paying interest only on the loan. We also just sold our other home and would like to put the money we made off of it down on the loan. Can we put the money down when we convert or do we have to refinance?
- asked by Timothy M
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Question: #13: Should I refinance before or after applying for a personal credit card loan?
I am going to refinance but I am also planning on getting a personal credit card loan. Would it make a difference if I do one before the other?
- asked by limeallure
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Question: #14: How hard is it to refinance your home as a rental property?
Our current mortgage needs to be refinanced no matter what we decide to do, but we are considering using the home we live in as a rental and buying another house to live in. Our mortgage now requires that we live in the home. How difficult is it to refinance as a rental property? Our credit is good. Has anyone out there done this?
- asked by edernshelm
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Question: #15: How many times can I refinance my vehicle?
I refinanced back in December, is there a limit on how many times you can refinance. Trying to get my payments down.
- asked by houseofbrats03
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Question: #16: How do I refinance my home with slightly bad credit?
We have to refinance our home by January or face a balloon payment. Our credit is not the best and we have had some late house payments. We do however have wonderful credit through our credit unoin and have never been late with any loans through them(car and camper payments and a past loan).They do not handle conventional home loans though. Our bad credit is mostly medical debit. Does anyone know of a place that will work with people in our situation? We don't want to lose our home.
- asked by corina79
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Question: #17: I want to refinance What is the best mortgage rate available?
Am looking to refinance but not without doing a bit of research first on the best possible mortgage rate.
- asked by Jay
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Question: #18: How long should you be employed before qualifying to refinance an auto loan?
I would like to lower my monthly payments by refinancing my auto loan. I have a good credit score to refinance (700s). I was recently unemployed (from October to February). However, I am about to start a new job this March 1.How long should I be employed to qualify for an auto loan refinancing? (if there is such a requirement)Thanks, I appreciate it.
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Question: #19: Can you refinance while your home is on the market for sale?
Our home has been on the market for a while now. We need to refinance to lower monthly payment. Can we refinance a home thats for sale?
- asked by MC
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Question: #20: Is it better to refinance a mortgage for a tax deduction or continue with my 15 year mortgage?
I have 10 1/2 years left on a 15. Single, retired and no dependents.Pension(60,000) Does it make sense to refinance?
- asked by Cajun
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Question: #21: Will a refinance appraisal give you the same value as an appraisal for assessment purposes?
I'm quite curious about appraisals, and the different kinds there are. I know most people get an appraisal because of a refinance situation. Obviously, the appraiser lists his/her estimate of value. However, if someone were to get one just for assessment purposes, would the value be different? For a refinance, I'm assuming the bank wants to know how much they want to lend the owners. Assessments are totally different. Any information from appraisers or bankers would be greatly appreciated.Thanks!
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Question: #22: Can I refinance my home with a good credit score but not much credit?
I started buying my home a year ago and I didn't have credit then so I bought an owner financed home that had 12% percent fixed loan, which is why I want to refinance. My credit score is 718 but I have very little credit activity because I have never had a credit card or anything, I usually just pay cash instead of making payments. Will I be able to refinance?
- asked by Jersey D
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Question: #23: Is it possible to refinance a home with bad credit and no job?
Heres the situation. My mother is a homeowner and has poor credit and is not employed. The house is valued at $400,000+, the remaining balance to pay off is $260,00. She has been turned down a couple of times. So is it still possible for her to refinance or any other options? Thanks.Me and my sister still live at home and pay her monthly to cover the house payment and all bills. We just want to get a lower monthly payment and pay some debts.
- asked by infinite357
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Question: #24: How to refinance a car with horrible credit and no equity?
I have a brand new Ford Focus just bought it fresh off the floor and have a cosigner, but we need to refinance it now and have horrible bad credit. Can anyone help with how to refinance a car with bad credit and no equity?
- asked by S H
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Question: #25: How can a person refinance after a bankruptcy year into it?
How is the best way to refinance or should I do a loan modification? An who would be the best place for this?
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Question: #26: Should I REFINANCE a construction loan to a permanent loan OR convert to a permanent loan?
It seems that interest rates are much lower for refinancing existing loans, as opposed to new loans. I have a construction loan which doesn't expire for a few months, would it be better to refinance the construction loan to a permanent mortgage or do a construction to permanent conversion loan? Which will get me a lower interest rate?
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Question: #27: Can my divorced wife refinance our jointly owned home?
We are recently divorced. Court gave her use of the marital home for 3 years. She is planning to refinance the home with her father as a co-signer. We jointly own the home. Can she do this?
- asked by fasjr1
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Question: #28: How can the average american refinance with the decline in home values and closing costs from thelenders?
There doesn't seem to be an incentive for the American who is making their mortgage payments on time, has no value in their home and can't refinance because of value and closing costs. Don't you think this problem is only going to get worse? I just see the housing market and economy not improving.
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Question: #29: What are my chances to refinance if my home to value has droped amost to even money?
Wife and I purchased the home a year ago for 475,000 and currently owe 423,000. I hate to say but because of a devorce we have to do something about the house. Is there any way to refinance the house to get a lower payment so the wife can handle the payments on her own? House prices have droped so much in our area that I'm not even sure if we owe more than what the house would now appraise for. Thanks for your help.
- asked by Keef
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Question: #30: What is the best way to refinance your home with a lower interest rate if your credit isn't the best?
I was wondering what is the best way (who to go to) to try and refinance your home with a lower interest rate. I have no clue where to go! The credit score is pretty low, but still need to lower monthly payments.Serious answers only please and thank you!It's not ME that didn't pay my debts...I got stuck with stuff from my ex husband...that's why my credit isn't what it used to be...thanks!
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