Question by Tweetie: Who do I contact about restructuring my mortgage?
We are looking to refinance but I don’t know weather to stay with our current mortgage company or if I should contact a government program.
Best answer:
Answer by Megan C
the mortgage company you have
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Question by kkazb: Where do you see the mortgage interest rate going in next 2 months?
What do you feel about the mortgage interest rate in next 2 months? I will be closing on a house in October end? So I will be able to lock the rate in 2nd or 3rd week of September. Any suggestions?
Best answer:
Answer by WR
well, about it Ben Bernake will keep interest rate low by the end of December.
If you were buying car or house at this time. Right now is the time to lock in rate. Good luck
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Question by jesskanurse: Do you have to use the same appraisal when switching to a diff. lender in the middle of an FHA loan?
I am close to closing using a certain broker, approved but my current mortgage company offered me a better rate/closing fee. I paid for an appraisal for the initial broker. The new lender says by law, the old appraisal MUST be used since there has already been an FHA case # opened. Is this true?
Best answer:
Answer by Big daddy
sorry to answer a question with a question, but how was the appraisal paid for. did you pay for it at the door or was the cost going to be rolled into closing costs. There could be a hang up if it’s rolled in since the broker is on the hook, they may not have to release it as they paid for it. If you paid for it, you should be able to use it, but the appraiser will have to put it in the new lenders name and that will probably cost you. Also, make sure the appraiser is licensed with the new bank, if not, they will want the appraisers license. Last, as far as the new offer goes, make sure you know all the facts, especially the term. Rate isn’t everything. While the rate may be lower with the bank, is the term longer, is it adjustable. Know everything you can about each program, compare the TIL’s from both. Which one costs more in the end? If the banks TIL has higher finance charges than the brokers, is that really a better deal? Does the lower rate really matter if your paying 50k more in the end? Check it all, then make the best decision that allows your family to meet their goals and dreams. good luck
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Question by Miss Letty: What is the process and charges (if any) for applying for a forclosure home loan?
I’ts been a while since I apply for any home loans, ed but I don’t know if forclosure loans are different? Are there any initial or process fees involved, and a limit on the application loan?
Best answer:
Answer by Age of Reason
The same as applying for a loan on a new house. You pay a broker a fee to find you a mortgage then you pay all closing cost roughly 6% of home purchase price and you need a down payment
Price limit is based on your income and the price of a house.
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Question by malteselinus: How do I find out what discounts hospitals offer insurance companies?
Mom had an emergency surgery four months ago plus three set backs. Needs another major surgery to finish the first procedure once she is healthy enough. She is under 60 so does not qualify for medicare or medicaid. Applied for disability but that will take at least 3 mos to process, store and if approved still won’t be enough to meet the $ 3300/mo payment plan. Current monthly income is $ 911.00 from dad’s social security. House is paid for but cannot get a reverse mortgage (too young) or a home equity loan (income too low). Parents have cashed in their IRAs and stocks (losing 40% in fees, online penalties and taxes). NOTHING is left. About to be turned over to collection tho they’ve always had the best credit rating. Hospital has offered a 25% discount if they could pay the entire initial bill, illness but there wasn’t enough stock/IRA money to cover even that.
Can we get the bill down to what an insurance company would pay for the same services? How do I find out what are “customary and reasonable fees”?
Best answer:
Answer by sweetxgrace
The hospital I’m employed at is a charity hospital. We have special programs to assist those who absolutely can not afford it. If you do not qualify for charity, you are required to set up some sort of payment plan and deposit. If you do not, we cancel elective surgeries.
If push comes to shove, we have a hardship program. A board reviews your case, sets a price, and that must be paid in full.
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You can ask for that discount, but it’s unlikely you’d get it – those are a contract between provider and insurance, not you and the provider.
Google “Medicare Fee For Service” – that is the pricing scale that pretty much every insurance company bases their payments on. It changes every year – slightly.
BUT – unless it’s a teaching hospital, you should call the hospital and ask for the social workers – they can often put you in touch with various charites or get you some kind of emergency help in this situation. (They don’t advertise that they do this – and some teaching hospitals don’t do it at all.)
You can ask for a cash price.
Each insurance company pre-negotiates with “in network” hospitals, what the fee is for each service. So it’s going to vary by insurer.
The easiest way to find out what “usual & customary” is in your area, is to go to your state medicare website – and there should be someplace there that lists it. That, also, varies by state.