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: 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 rustik23
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Question: #3: 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: #4: How long does it take to refinance a home?
So my fiance and I loaned his mother $10,000. She has to refinance her home and is paying us back when that is all finalized. Her house has already been appraised and she has done it before. Her bank says that she qualifies. She is going into the bank on Monday or Tuesday to finalize thngs.How long should it take to get the money?
- asked by Amber T
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Question: #5: 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: #6: Is it possible to refinance your mortgage to get caught up on bills and late mortgage payments?
we have tried twice to refinance our house through a bank in order to get caught back up on the mortgage payments that we are behind and to do some home repairs, etc however we keep being told no because we are in fact behind several house payments. Is there anyone out there who will refinance you in a situation such as this?
- asked by Donna C
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Question: #7: 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: #8: 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: #9: 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: #10: I need to refinance my truck asap Owe about as much as the truck is worth?
As far as trade in value goes.I'd like to refinance or get a low rate llone to pay it off and improve my credit.What is the best place or instutution to go through? Truck is an 04 less than 23,000 miles owe about 10 grands still.Any advice greatly appriciated.
- asked by roxyzfoxy4u2
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Question: #11: Do you have to hook up to public water to refinance with FHA?
We have well water and are refinancing our house with FHA. The appraiser said we may be required to hook up to public water. I need to know if it is required in a refinance. We do not currently have an FHA loan, we are refinancing with FHA. She didn't know if it was required since it was a refinance and not a new purchase. Thanks.
- asked by CLW
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Question: #12: 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: #13: When does it make sense to refinance home given our situation?
I was just wondering if it made sense to refinance our 30 year fixed 6.25 home loan. We have owned our home for 3 years and 5 months. What does the interest rate have to fall to in order for it to financially benefit us to refinance?? Any help appreciated.
- asked by deucedown
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Question: #14: 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: #15: Who is a good bank or credit unoin to refinance your vehicle with?
I need to refinance my car and not sure on who I should go with to submit an application, so I can insure a new, good, low interest rate.
- asked by sd_8705
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Question: #16: How long should you want until you try to refinance an car loan?
My wife had no credit when I got the loan, but she has credit now and I want to add her to the loan, but to do so I will have to refinance. This could hurt my score? But could help my intrest rate. (Currently 13%) My credit has also gotten better since the loan. It's been 7 months now, I heard I should wait until a year.
- asked by Kaitlyn B
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Question: #17: I am looking to refinance my student loan. Any ideas of what company to go through?
My direct student loan is now through the government, and I feel like I am absolutely getting nowhere with them. I have had my loan through them since 2004 and my balance has went from 35000 to 32000. I really need some suggestions of what companies to go through to possibly refinance. My credit score is in the middle area. Thanks for your help.
- asked by troyman2000us
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Question: #18: 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: #19: Can i refinance and auto loan after 6 months for a better apr?
I got approved for a used car with a very high APR of 21%. I am thinking about taking the loan b/c my credit isnt the best but using it to help build my credit and then refinancing it. How soon after can i refinance my loan and will i get a much better apr on the car?
- asked by Justcurious
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Question: #20: How do we refinance a home with a subprime loan that will be put into a trust?
Is it best to refinance in the trust or to sign the house over to a family member with better credit and refinance and then put into trust?
- asked by JT6+1
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Question: #21: How do you refinance with the same company you have the loan through?
I have a loan through Wachovia for my truck. After a year 1/2 of having the truck the payments have become a strain, how or when could I refinance the truck using the same company? (I really enjoy Wachovia, they are great and have helped us before. I would prefer to refinance through them)
- asked by Just Happy Momma!
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Question: #22: How difficult is it to refinance with bad credit?
We bought our house 11 years ago, owner finance. We have NEVER had a late payment, but unfortunately, the man does not report to the credit agency. Anyway, we owe $60K on the house and it is worth around $350K. We would like to refinance to get "ahead" but our credit is poor. Any suggestions?
- asked by mary m
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Question: #23: Any suggestions as to how to refinance when your upside down on a mortgage?
My husband and I bought a home from my husband's former employer for $160,000. The home appraised at $140,000. The employer co-signed and put up a $20,000 CD as collateral. We didn't have good credit and had to pay some things off, so the employer did that for us, so we owed him money. We paid him back with the loan, but now we have to refinance the home come January and we have not been able to afford to do any improvements on the home, and It will not appraise at what we owe on it. No one is willing to refinance 100% because of the negative equity, and I don't have the $15,000 plus closing costs to pay the differece. Not sure what will happen if we don't get refinanced. Can't sell either I would assume. Any suggestions?Payments have always been on time. We can afford the payments. That has never been a problem. At the time, it seemed they were doing a nice thing for us. I've never bought a home before, and we were living in a mobile home that was older than dirt and falling apart, and I was desperate to get out of it. I had no idea this would come back to bite me in the ass. Seemed at the time they were doing us a favor, but now I see they took advantage of our bad situation. Of course I never would have agreed to do this if I had known that we would end up in a situation like this.This is what was written about the CD:AGREEMENT REGARDING PLEDGE OF COLLATERAL AND GUARANTEE"Bank" is lending the necessary proceeds to "buyers" to purchase said property on the condition that the loan is guaranteed by the "seller", and on the condition that a Certificate of Deposit owned by "seller" is pledged as collateral for said loan.It is hereby agreed and stipulated by and between said parties as follows: 1. To the extent that "sellers" are required to pay any amounts based on the guarantee, or on the pledge of additional collateral in the form of a CD, they shall be entitled to a n assignment of whatever security is held by the "bank" for the amount of said payment. 2. Any assignment made by virtue of paragraph 1, shall be subordinate to any remaining interest held by "bank". 3. If "sellers" are required to pay any amounts on the mortgage bu virtue of their guarantee, they shall be in the same position by virtue of the assignment as the "bank" and would then own all the
- asked by Zoinks!
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Question: #24: What are the financial requirements to refinance and release a co-signer?
Are there certain financal requirements that must be met in order to refinance without a co-signer?But what are the tipical lender requirements?
- asked by REBECCA L
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Question: #25: Is it possible to refinance a car? Even when the state keeps your title for the current lender?
Someone told me that it's possible to refinance a car. But North Carolina State destroys your title until it's paid off. Can I refinance my car without my title?
- asked by Big Joe
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Question: #26: How long should I wait after the Feds drop interest rates to refinance my home?
I highly doubt feds will drop rates again, so how long should I wait to refinance after this last drop?
- asked by Joe
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Question: #27: How long after a discharged Chapter 7 bankruptcy can I refinance?
Hi, The 2-year ARM on my home mortgage (two mortgages) expires August 2008 (home purchased August 2006). However, I filed a Chapter 7 bankruptcy in 2007 (discharged in July 2007). Will I be able to refinance this year? I've heard that Ch. 7's are different from Ch. 13's in terms of the refinancing waiting time.
- asked by prettycre8ive
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Question: #28: How soon after I get a car loan can I refinance with another lender?
I am in the market for a new vehicle and I'm thinking of financing through the dealer in order to get the "best" deal. However, I really don't intend to stay with them and plan on refinancing through my own bank. My question is: how long do I have to wait until I can refinance, if at all?
- asked by newtobigd78
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Question: #29: How long after bankruptcy shall I wait to apply to refinance my mortgage?
I filed for bankruptcy in 2004 and I have been paying on it for so long now that I have a chance to pay it on out. I have about a year left to go if I don't pay it on out. I want to refinance my house. If I pay my bankruptcy and my case is discharged, how long shall I wait before applying for a loan to refinance my home?
- asked by Penny
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Question: #30: Can you refinance a 1st mortgage and 2nd mortgage without equity?
I own a single family property in IL. I have a 1st mortgage that was 100% LTV that was used to purchase the home and a 2nd mortgage that is a 120% LTV that was used to consolidate debt. The value of the home is about $40,000 short of what I owe based on both loans. I want to refinance my 1st mortgage which is at a rate of 7.25%. Is this possible?
- asked by No Equity
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