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by 350.org Question by Daniel G: Do personal loan underwriters spend a lot of time verifying income or do they rely on credit score? Do personal loan underwriters spend as much time as mortgage loan undertwriters verifying income? I know mortgage loan underwriters spend days checking a loan and have tools to check docs. Do personal loan underwriters follow the same guidelines? Best answer: Answer by kellyyes they do they need both statements and information that support what you have written down to make sure that you are not a risk worth taking. Give your answer to this question below! by marsmet526 Question by Allison: why is my FHA mortgage banker refiance taking so long? We have had our complete FHA refinance package with the underwriting 2 weeks today. The loan officer tells us that it’s a more difficult file to process but says all looks good. I asked if they want to see any more documention and he told us that they haven’t asked for anything. We are getting concerned. If everythink looked fine, symptoms but they wanted some more documentation, wouldn’t they approve with stipulations? What could the hold up be? And at what point do we walk away and go with someone else? Best answer: Answer by MoneyMonkeySometime the squeaky wheel gets the grease. Ask him for a deadline, and keep calling him politely every day until it is complete. Ask him outright if you should be looking for a loan elsewhere. Add your own answer in the comments! Question by Manny: can i sue chase bank for selling my mortgage with good credit during a HARP application? During my application for modification or refinancing program to get a lower rate, information pills after 4 month back and forth with paper work, without any detail explanation, the letter said I was not qualified I never been late in payments, our credit scores were above 740 & 760 and we could make our payments,but our mortgage was underwater and this was the purpose for refinancing. Two month later our mortgage was sold to LBPS/Seterus a motrgage service company. Best answer: Answer by A HunchSeturus a mortgage service company. They don’t own the loan, so Chase couldn’t have sold them the loan. They service the loan for the owner. Was Chase the owner? Is Chase still the owner? Was Chase ever the owner or were they a servicer too? Know better? Leave your own answer in the comments! by Center for American Progress Question by ruby: How long is the process of a Home Affordable Modification Program with a bank last.? I’m in a Modification Program with my bank since April and they are giving me the run around. My three months trial period had ended. They ask me for document which i presented, there now ever other week they are asking for the same documents or something new. I pay my mortgage on time and i have done ever thing in my power to please this bank. I have a lawyer on the case but nothing have change and i don’ t have any money to seek another. How can i resolved this situation. Best answer: Answer by linkus86Loan modification is subjective Stay prepared and make copies of everything. Don’t be afraid to seek another contact person in regards to the modification. Be tenacious in your efforts. Give your answer to this question below! Question by A A: How much could I get a mortgage for if I make 31k a year? I’ve been hearing about this 8k home credit if your a first time homebuyer and...
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Question by Alizia: What is the difference between mortgage tax and property tax? mortgage tax is the same as property tax but mortgage tax is pay to the bank because you borrow the mortgage loan? Best answer: Know better? Leave your own answer in the comments! W-2 forms now listing health care costs FHA will no longer offer its most popular type of reverse mortgage, no rx the standard fixed-rate Home Equity Conversion Mortgage. Borrowers who want a fixed-rate HECM reverse mortgage can only get the … it will no longer cancel insurance on new loans … If you would like more informaiton please visit here… 0000 in housing repair funds on hold while Western Rhode Island Home … To date, sildenafil there has been no indication of criminal wrongdoing. The state is … Started around 1987-88, the three-town program provides low-interest loans of up to $ 25,000 to income-eligible residents for a wide assortment of home repairs. With about … If you would like more informaiton please visit here… Risky Student Debt Is Starting to Sour She has taken advantage of the income-based repayment option, which allows borrowers to peg their federal loan payments to a certain portion of income and lowers a borrower's monthly payment. But her income recently … Stafford loans, which account … More informaiton please visit here… Question by : Should I apply for my home loan before I find a real estate agent? I am a first time home buyer and dont know the first thing about buying a home. I’m hoping to have a house purchased before the end of the tax credit period which I do believe is December 1st of this year. Should I go ahead and apply for the loan [which will be an FHA loan] or should I find a real estate agent first? Also, decease where would I go to apply for an FHA loan? Can I apply online? and how long does it take to get pre-approved? Best answer: Answer by SteveYou cant apply for a mortgage loan before you identify the property price, down payment and other terms. You can apply get a pre-approval. Perhaps this is what your are thinking? Depending on your credit score you may want to go to a lender, better yet ask the real estate office who the suggest. If your credit is not perfect or you want a non-standard property, you should consult a mortgage broker. What do you think? Answer below! A couple of good chateau pictures I discovered: Chateau de Tanlay Image by abac077 Chateau Renaissance, check XVIe et XVIIe siecles. Extra remarkable houses click right here… Château de Langeais Image by FlickrDelusions Château de Langeais, with the Langeais suspension bridge in the background For a great deal more houses click right...
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Question by cathy: can I refinance my currant mortgage into a fha streamline loan? Best answer: Answer by golferwhoworksonly if the current note is FHA. Now you can get an FHA insured note if you wish but Fannie Mae and Freddie Machave streamlines as well and so does the VA and the USDA loans Know better? Leave your own answer in the comments! Some cool chateau pictures: Château de Pizay Image by Olivier Bruchez Château de Pizay, viagra approved Saint-Jean-d’Ardières, treat France. For more properties click right here… Château de Pizay Image by Olivier Bruchez Château de Pizay, Saint-Jean-d’Ardières, France. More fantastic homes click here… Château de Pizay Image by Olivier Bruchez Château de Pizay, Saint-Jean-d’Ardières, France. For more properties click...
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Question by Johnpau2012: Can we deduct the amount what we add towards our mortgage principal for taxes ? Lets say I sent a check of 10K to my mortgage bank to add it to my principal balance. Now this 10K amount can I show it anywhere in my tax returns ? Do I get any return on this 10K what I have added to my principal balance apart from monthly mortgage what I have been paying? Best answer: Answer by rtfmYou can only deduct mortgage INTEREST on your taxes, more about ampoule not what you pay toward the principal. What do you think? Answer below! Question by twosis: Is it possible to get a home loan with bad credit? My credit score is around 530 and My husbands is around 630. I have charge offs from 2005 (that will be on my credit report until 2012) We both have good jobs and bring home around 7000 together each month. We also have around 30, information pills 000 saved up for a down payment. Since our income is decent, see and we have a down payment (more than 10%) is it likely we will be able to find a home loan for a new home? Best answer: Answer by HubaIt may be possible but try to not overextend yourself. Try to get pre-approved before you go house hunting. I recommend a credit union. They usually don’t charge to run an application through. Home prices are currently falling (slightly) as are interest rates. You may be better off to continue to build up your savings for a few months; make sure you pay off debts but do not close credit cards (they want to see you have available but not used credit). There are many first time home buyer programs out there which may be just what you need. Know better? Leave your own answer in the comments! by danielmoyle Question by Marie: Can you get a mortgage loan if you are a temporary to permanent employee? I was in the process of FHA mortgage loan, ailment I changed my employment to a temp position at a different company I was denial, nurse can anyone tell me if there’s a chance that I can turn this big dream to come true because I really want the house, prostate Best answer: Answer by surfermsc123YOU DON’T DESERVE TO OWN A HOME. YOU HAVE NOT EARNED THE RIGHT YET. Does that make sense to you? Or do you feel you “deserve” to own a home regardless? Do you feel everyone else also “deserves” to own a home? Do people also “deserve” to drive expensive cars, wear expensive clothes or “deserve” anything else they cannot afford? The reason for the Real Estate debacle, credit crises, recession, bank bail outs and continued recession is because of people who felt they were “entitled” to and “deserved” to own a home. In your question you state you quote “I changed my employment to a temp position”. A temp position? Are you kidding me? What business do you have owning if you’re not in a stable and solid income career? The very fact you need a government FHA loan means you can’t get a loan from the proper channels and don’t have the requisite 20% down payment. 3.5% is not a legitimate down-payment. The government needs to GET OUT OF THE HOUSING MARKET and let home prices fall to the point that you and other people can afford a home. The only way you should be getting a loan is if you have a solid career and your house...
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HARP Study: Your Loan-to-value products in Affects Your Choice Mortgage The 30-year fixed rate mortgage increased its market share compared to other mortgage products. In part because of the HARP 2.0 refinance selected households. Benchmark product with the highest rate in 18 months 15-year fixed mortgages have … For more informaiton please visit here … Treason – for his father’s dream – The obsessional neurosis of Barack Hussein Obama II in the White House Image by Richard Loyal French “”The President isn’t exactly a socialist. So what’s driving his hostility to private enterprise? Look to his roots. Barack Obama is the most antibusiness president in a generation, and perhaps in American history. Thanks to him the era of big government is back. Obama runs up taxpayer debt not in the billions but in the trillions. He has expanded the federal government’s control over home mortgages, recipe investment banking, more about health care, autos and energy. The Weekly Standard summarizes Obama’s approach as omnipotence at home, impotence abroad. The President’s actions are so bizarre that they mystify his critics and supporters alike. Consider this headline from the Aug. 18, 2009 issue of the Wall Street Journal: "Obama Underwrites Offshore Drilling." Did you read that correctly? You did. The Administration supports offshore drilling–but drilling off the shores of Brazil. With Obama’s backing, the U.S. Export-Import Bank offered billion in loans and guarantees to Brazil’s state-owned oil company Petrobras to finance exploration in the Santos Basin near Rio de Janeiro–not so the oil ends up in the U.S. He is funding Brazilian exploration so that the oil can stay in Brazil. More strange behavior: Obama’s June 15, 2010 speech in response to the Gulf oil spill focused not on cleanup strategies but rather on the fact that Americans "consume more than 20% of the world’s oil but have less than 2% of the world’s resources." Obama railed on about "America’s century-long addiction to fossil fuels." What does any of this have to do with the oil spill? Would the calamity have been less of a problem if America consumed a mere 10% of the world’s resources? The oddities go on and on. Obama’s Administration has declared that even banks that want to repay their bailout money may be refused permission to do so. Only after the Obama team cleared a bank through the Fed’s "stress test" was it eligible to give taxpayers their money back. Even then, declared Treasury Secretary Tim Geithner, the Administration might force banks to keep the money. The President continues to push for stimulus even though hundreds of billions of dollars in such funds seem to have done little. The unemployment rate when Obama took office in January 2009 was 7.7%; now it is 9.5%. Yet he wants to spend even more and is determined to foist the entire bill on Americans making 0,000 a year or more. The rich, Obama insists, aren’t paying their "fair share." This by itself seems odd given that the top 1% of Americans pay 40% of all federal income taxes; the next 9% of income earners pay another 30%. So the top 10% pays 70% of the taxes; the bottom 40% pays close to nothing. This does indeed seem unfair–to the rich. Obama’s foreign policy is no less strange. He supports a 0 million mosque scheduled to be built near the site where terrorists in the name of Islam brought down the World Trade Center. Obama’s rationale, that "our commitment to religious freedom must be unshakable," seems utterly irrelevant to the issue of why the proposed Cordoba House should be constructed at...
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by marsmet526 Question by Brian: Educated guesses about when the FHA 30yr fixed rate will drop and how much? I’m a first time home buyer and I was just preapproved for an FHA loan with a 6.5% rate. Three months ago I was approved for a conventional loan at 6.25%. I’m just wondering when analysists are predicting rates to drop? Best answer: Answer by Natalianot soon the rates are going to go up for the next year unless the government lowers them again Add your own answer in the comments! Question by Cat: How can I refinance from FHA to a conventional loan with little or no money down? Just over 6 months ago, viagra dosage we bought a bank owned property. We’ve put at least 15 grand into fixing it up. I was told that we can switch to conventional with an appraisal that shows our property is worth 20% more as we don’t have cash for closing. Would we not have to pay mortgage insurance if we went conventional and why? I need a little guidance with this. Thanks! Best answer: Answer by MeJoin a credit union and work with them. What do you think? Answer below! Mortgage-Bond Sales Soar on Fed's Refinance Push: Credit Markets The Obama administration fueled additional opportunities for refinancing by pushing Fannie Mae and Freddie Mac at the end of 2011 to expand the Home Affordable Refinance Program, medical or HARP, for borrowers with little or no home equity. Almost 791,000 … If you would like more informaiton please visit here… Taking advantage of the lowest mortgage rates Q I keep hearing about these really low-rate refinance opportunities, but nobody seems to say which bank or mortgage broker is offering them. I have a 15-year fixed rate loan at 4.25 percent. I financed my loan under the Home Affordable Refinance … More informaiton please visit here… Diminished expectations: Oregon politicians try to repair economy, restore … A state agency will conduct a limited test of a program to buy back and refinance underwater mortgages. Still, the …. It's similar to the federal Home Affordable Refinance Plan, the Obama administration response to upside-down mortgages. But HARP is … More informaiton please visit here… Annaly Capital Vs. American Capital Going Into 2013 According to the latest statistics compiled by Mortgage Bankers Association and reported by Bloomberg, sale of Agency MBS reached a three-year high. This was a result of the direct actions from the Fed, which intends to make home ownership affordable. For more informaiton please visit here… Question by Tia: Is it Wisconsin state law to have both spouses on the home loan application? When applying for a home loan in Wisconsin, price is it state law that you and your spouse be on the home loan application. OR can you just apply using just you or your spouse? Best answer: Answer by AndrewATTN: Dear Client, page I am a private registered loan lending firm base in UK, approved We offer short and long term loan. We can be of help to you. if you are interested e-mail or call us now so we can proceed to the next level. Kindly get back to us with the loan amount need, loan duration period,sex,age,annual income, country and phone number. Note: Even if your bank have decided not to offer you a loan because of your bad credit score, we are willing to help you. Awaiting your prompt respond asap. Phone Number:+Tel: 447045713070. Fax Number:+447005931319. Mr Frank Smith. Email: giantloanagency@live.com Add your own answer in the comments! Question by Tricia: DTI 35% calc before or...
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