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Question by Monkey dust: what are some government programs to help refinance a house?
I live in Pennsylvania
Best answer:
Answer by Judy
This isn’t help to re-fi, more about but it is help to prevent foreclosure and re-negotiate your loan.
This may not be what you need- but you look into it.
Hopenow.com – set up by the feds (HUD).
Heard about it in Oprah a couple of years ago – still going strong.
(not oprah – the program)
This service will help you prevent foreclosure – just in case you are in trouble.
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What do you think? Answer below!
Question by Rachel H: Refinancing – am I getting a good deal?
I’ll try to be as brief as possible. I started trying to refinance my FHA mortgage at the beginning of April, view through the original lender. Our payoff value is currently at 120,500 and the appraisal value is 137,000. We have excellent credit (747 and 729).
Our original closing date was 4/30. We were willing to put up to $ 1000 at closing, but were told it would not be necessary. With all the closing cost refinanced back into the new loan we were looking at a new figure of $ 126,000. Over $ 6000 in closing cost sounded high, but it did inclue $ 2600 of PMI, so we accepted. Our interest rate would go from 7.25% to 5.00%.
Appraisal was done, then it took me 2 weeks to get up with the loan officer. Closing date came and went. Which brings me to our new closing date of 5/20…today. It’s been very difficult to get a direct answer of whether or not we would be closing today. Found out at noon that we are now required to hire a plumber to “certify” our septic system, which is another $ 200 that we did not know about.
Does this all sound like normal procedure? Are we getting a good deal? I’m also worried that it has been nearly 60 days since we originally locked in our rate. Can they raise the rate at the last minute?
If I have left out any important details please let me know, I will be happy to add them.
Thanks for the helpful info. I’m not really concerned about having to get the septic certification. Just seems like that’s something they should have already had done instead of delaying the closing again at the last minute.
Best answer:
Answer by Paul in San Diego
$ 6000 in closing costs sounds about right, especially with the PMI factored in. And, consider that this might include a prorated month’s worth of interest, too, and possibly points on the loan to buy down the rate (discount points). This should all be listed on a form they call the good faith estimate. Ask your realtor to see that (although you should have seen it when you signed all the loan papers).
The FHA has all kinds of crazy requirements for their home inspections. And, certification of the septic system is a biggie.
I wouldn’t worry about the rate lock-in. I think you can pay an extra fee to extend the rate lock-in. And, if the lender is the reason that the funding is being delayed, that’s kind of on them.
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HARP now available for second homes, treat income properties
You probably knew that homeowners can refinance underwater mortgages through the Home Affordable Refinance Program. HARP is now …. To qualify, erectile vacation or second homes must be a single unit, healing although condominium units are eligible. Investment …
If you would like more informaiton please visit here…
The HARP 2.0 Mortgage Refinance Plan – What One Must Know
However, the process is not going to be that easy because borrower may not know the exact guidelines for eligibility. Besides, he may not know where to apply for the Home Affordable Refinance Program and how to benefit with the HARP 2.0 refinance loan …
If you would like more informaiton please visit here…
Question by Barbara: How can I take advantage of the HARP program if my mortgage is not owned by FANNIE MAE?
My house is underwater. I can afford my payment, seek but it sure would help if I could refinance to a lower rate than 6.8%. I would like to retire in about 15 years and it would help not to have a mortgage by then. However, information pills apparently my mortgage is not owned by Fannie Mae. Is there a way I can become eligible for Fannie Mae &/or the HARP program?
Best answer:
Answer by the kid
Not really. It must be a FM backed loan.
What do you think? Answer below!
Question by : The Lender is denying refinance under HARP seems unfair. Who can help?
Lender says that Fannie Mae did not get my mortgage assigned until after March 1 2009 and this is the reason for denial. We closed in Feb 2009, viagra approved current on the mortgage, viagra 40mg and unable to refi under the program. Seems unfair. Who can help? Conventional refinance is not an option because of declined home value we would have to buy mortgage insurance.
Best answer:
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Question by Nick: FHA mortgage with paid collections?
hi! I recently have been planning to start the mortgage process by feb-mar 2012. I started to clean up my credit and paid off 5 of 6 collection accounts. All the collections are over 2 years old except one. I am paying this last one off in 2 weeks. I paid the first 5 and my scores jumped, dosage i opened two credit cards for building purposes, pharmacy dont worry, both cards have a balance of $ 30 each and with high limits. I know one score is 650, second is 629 and 605.
What are the FHA guidlines for past collections if they are paid off?
….
Btw, i was looking at my fico scores from myfico, not fako, also a mortgage company did a free pull and told me my scores
Best answer:
Answer by Radioactive
Don’t make any new loans 1 full year before getting that mortgage.
Don’t open any more credit cards. And pay them in full each month. No games.
Carrying balances, as you may know, brings absolutely no benefit to scores.
FHA will look at the reports – not the scores.
I read somewhere that FHA does not even get them.
But the sites say that to qualify you may need 640 to 660.
They will review all your three reports in detail and see the items as “paid”.
They will act accordingly.
This is why you see people with horrendous scores getting FHA loans.
They have done their work. Like you have.
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