FHA Streamline Refinance – What You Need To Know
September 20, 2009 | By Joe Peters In Finance | Among the many options available to existing homeowners is the FHA streamline program, which is available in all states, including Utah. These types of loans are available by consulting with your local mortgage broker to best deal with your particular home financial details. [more...]
Date: 2009-09-21 01:21:20
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Refinance Mortgage Loan Guide
by John Bear Finding the best refinancing deal would have to involve comparing lenders, but we know for a fact that those numbers can get pretty complicated, especially when you are to investigate rates, fees, and points. But of course, if a mortgage company has the lowest rates [more...]
Date: 2008-12-27 09:57:55
Simple Tips On Refinance Mortgage Loan
by John Bear Finding the best refinancing deal would have to involve comparing lenders, but we know for a fact that those numbers can get pretty complicated, especially when you are to investigate rates, fees, and points. But of course, if a mortgage company has the lowest rates [more...]
Date: 2009-01-05 17:44:07
Refinancing vs Line of Credit
Refinancing vs line of credit are two popular options you have when deciding the best way to take equity out of your home. Sometimes it makes sense to establish a line of credit. But in other situations it’s better to get a cash back refinance mortgage loan. You can find out which loan is best for your situation by doing some simple math [more...]
Date: 2009-01-09 03:29:21
No Home Equity Often Means No Health Care
Many people have dealt with rising healthcare costs by borrowing against their home. Now that’s gotten tougher, and so is paying the medical bills ... scrapes and stumbles led them to amass a pile of credit card debt and forced them to refinance ... because of medical issues. The connection between medical debt and the current credit crisis isn’ [more...]
Date: 2008-10-28 15:09:05
Credit Score Checkup
Earlier this year I checked my credit report and score with one of the big three reporting bureaus. My score at the time was a 696 ... s one reason why I’m so motivated to bring my debt down. In 1 or 2 more years I want to refinance my 7/1 ARM ... faith phone call to collect the debt. I had no idea I was being billed and it’s not my fault [more...]
Date: 2008-12-11 15:48:31
Any Homeowners Bailout Will Be Unfair
The title above is important context for this post ... . There has been chatter about refinancing mortgages to 4.5%, but then the chatter moved to talk of 3%. This would create ... with a bunch of 3% debt that is unlikely to refinance away will face a whole new set of writedowns [more...]
Date: 2008-12-23 16:32:04
Solve The Credit Crisis From The Bottom Up Through Social Lending
VOTE NOW! From the site: The credit crunch currently crippling America’s economy is not due to a lack of available funds ... businesses through the credit crisis, offer student loans to everyone who needs it and refinance half ... by Zemanta Financial Planning for School - Get a Discount on your Loan SEC set to leave mark-to-market [more...]
Date: 2009-01-15 19:03:05
Stanley Johnson: Credit Bubble Mascot
Every market bubble deserves its own mascot. The symbol of all that was wrong with that era ... or refinance your mortgage to lower your monthly payments. In the same way that the pets.com puppet ... in the eye and gleefully says "How do I do it? I'm in debt up to my eyeballs. I can barely pay [more...]
Date: 2008-12-16 15:15:54
FHA Credit Guidelines
FHA Credit Guidelines which borrowers and lenders must follow in order to obtain FHA financing for purchase and refinance loans ... of blemish, how old is the derogatory credit, what caused the late payment or collection & alternative ... recent debt to find out if is being used toward the cash required for the down payment. Also, any [more...]
Date: 2009-01-02 17:18:26
Mortgage refinancing skyrockets
With U.S. mortgage rates the lowest in 30 years, local lenders say they’ve seen a strong surge in loan applications as homeowners seek to refinance their mortgages in Greater Cincinnati and Northern Kentucky. From the largest commercial banks ... percent for a 30-year, fixed-rate mortgage with no points, according to data from the Cincinnati [more...]
Date: 2009-01-06 06:58:34
Cheapest Remortgages
Cheapest Remortgages Posted by Dark Spider at December 28, ... necessary for a home owner to try and refinance a mortgage loan that he or she could have availed ... or expanding the house or even for debt consolidation. Lenders will have to assess a borrower [more...]
Date: 2008-12-28 12:08:00
Satellite Radio’s Dilemma ($$$)
The New York Times is out with a piece on Sirius/XM’s quest for cash. While subscriber numbers and revenue have been growing at a very healthy clip, the company is heavily burdened with debt - which they’re finding difficult to refinance at favorable terms [more...]
Date: 2008-12-27 16:47:53
Learn More About Refinance Mortgage Loan
by John Bear Everyone knows that comparing lenders can help you find the best refinancing deal, but those numbers can get confusing, especially when you are comparing lenders. You should investigate rates, fees, and points. Remember too that just because a mortgage company has the lowest rates, it doesn’t mean [more...]
Date: 2009-01-15 00:14:51
Learn More About Refinance Mortgage Loan
by John Bear Everyone knows that comparing lenders can help you find the best refinancing deal, but those numbers can get confusing, especially when you are comparing lenders. You should investigate rates, fees, and points. Remember too that just because a mortgage company has the lowest rates, it doesn’t mean [more...]
Date: 2008-12-27 10:20:30
Private Equity Re-Gifting: The Debt Exchange
Times are tough for buyout firm-backed companies. The economy is in recession, slowing business and hurting earnings. The credit markets remain shut, making refinancing debt difficult at best. That leaves few options for companies who have debt coming due soon and need to refinance it, or who simply need to rework [more...]
Date: 2008-12-24 15:05:49
Another Bailout Plan: Directly Bailout Homeowners
—Ace Actually, if you accept "bailout logic" at all, this makes the most sense and should have been done from the beginning ( ... credit and a mortgage can refinance at a new lower rate. Treasury Secretary Henry Paulson ... to buy mortgage debt. Mortgage applications surged by a record last week and the average rate [more...]
Date: 2008-12-06 06:32:52
DrumBeat: September 18, 2008
Refilling fuel tanks after Ike to take weeks HOUSTON (Reuters) - Oil refiners and producers on Thursday rushed to restore Gulf of Mexico production following Hurricane Ike, but energy traders and analysts warned it will take several more weeks to refill U.S. fuel inventories, increasing the risk of shortages [more...]
Date: 2008-09-18 13:19:59
Simple Tips On Refinance Mortgage Loan
by John Bear Everyone knows that comparing lenders can help you find the best refinancing deal, but those numbers can get confusing, especially when you are comparing lenders. You should investigate rates, fees, and points. Remember too that just because a mortgage company has the lowest rates, it doesn’t mean [more...]
Date: 2008-12-27 10:16:00
Refinance Mortgage Loan Guide
by John Bear Everyone knows that comparing lenders can help you find the best refinancing deal, but those numbers can get confusing, especially when you are comparing lenders. You should investigate rates, fees, and points. Remember too that just because a mortgage company has the lowest rates, it doesn’t mean [more...]
Date: 2009-01-15 00:23:29
Time to get back to basics (pfblogs.org)
Millions of people in the US are feeling at least a little pain as the market whipsaws and home values go down ... . The people feeling the most pain now have more mortgage debt than they can handle, the inability to refinance that debt, perhaps a lot of credit card debt, and maybe even unemployment. People ... ... [more...]
Date: 2008-10-03 00:47:04
Whole-business Securitization Lands in Europe: Ten Lessons to Remember
Dr. Dennis Vink asked: Introduction The asset-backed market has grown to become one of the largest capital markets in the world in terms of size and volume. Since 1998, companies have increasingly often used whole–business securitization to refinance whole lines of businesses that frequently form a substantial portion of the assets [more...]
Date: 2008-12-08 08:47:37
A Fool's Errand: Stabilizing House Prices
Yesterday there was a news article on MSNBC that claimed 1 in 6 now owe more on their mortgage then their property is worth ... for borrowers in financial trouble to refinance or sell their homes and pay off their mortgage if their debt ... to Zillow the median household income in the area is about $46,000 while the median home price [more...]
Date: 2008-10-09 07:36:00
Cash Flow Versus Balance Sheet Accounting in Real Estate
An email: Greetings, I've recently been pitched the idea of refinancing my home and investing in apartments, or more precise, a four-plex. The idea is to refinance and get a negative amortization loan on my house. With the money I pull out of my home, put a down payment on a four-plex, also with a negative amortization loan. That way [more...]
Date: 2008-11-26 17:38:33
Car Loan Refinance - How to Avoid Dealer Scams?
div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip!/b/font You can even pick up the phone. Some financial institutions have extended hours of service available that allow you to call from home or the showroom for pre-approval on your car loan [more...]
Date: 2009-01-15 17:15:29
The Night that the Lights Went out in Moscow
The Moscow Times reports: A senior government official angrily called up Dominique Fache, the Russia manager for Italian utility giant Enel, ... industry is mired in debt linked to unpaid consumer bills and the multibillion-dollar investment ... ($1.1 billion) in the fourth quarter to refinance debt, Mikhail Slobodin, the president [more...]
Date: 2008-11-22 03:19:44
Mortgage Rates
Mortgage rates are slightly improved from last Friday’s rates by about 0 ... with the Fed’s move to purchase mortgage backed securities and agency debt…the question is to homeowners, what rate will it take for you to refinance and/or is there a mortgage rate low enough that would [more...]
Date: 2008-12-19 18:21:45
"Effective Nationalization of the Mortgage Finance Sector"
James Kwak says it's likely that the new administration will get behind the Hubbard and Mayer plan to have Fannie and Freddie buy mortgages and refinance them at 4.5%: We Have a Winner?, by James Kwak: After seeing dozens of mortgage ... are mainly a function of real mortgage rates. While they acknowledge that other factors took over [more...]
Date: 2008-12-21 18:17:00
US Interest Rates Zero to 0.25% and soon 4.5% US mortgages
Hale Bonddad Steward at Huffington Post has a lot of charts that show the bad financial situation ... to refinance a mortgage at 4.5%. The Fed and the Treasury appear ready to start buying up large quantities of securities -- government debt, mortgages, commercial loans, even stocks -- from banks [more...]
Date: 2008-12-16 20:29:22
Highlands/CSF merger includes refinancing bond debt
It’s official. New Mexico Highlands University will take over the College of Santa Fe ... s vice president of finance. NMHU, which will help refinance that debt, has many of the same ... the deal, there is: • An agreement for both schools to cooperate in refinancing the college’s debt [more...]
Date: 2009-01-08 01:41:09
A Look at Peer-to-Peer Lending
In an article titled " In a Tight Market, Borrowers Turn to Peers ", Nancy Trejos writes for the Washington Post about the growth in popularity of peer-to-peer lending - noting that "analysts expect the industry to grow as customers who face rising credit card rates search for new ways to refinance their debt." [more...]
Date: 2009-09-20 15:01:40
Mortgage Rates Hit Record Lows, But Does it Matter?
The average U.S. rate on a 30-year fixed mortgage fell to 4.96 percent this week ... Reserve is buying large amounts of mortgage-backed securities in the hopes that lenders will reduce ... to refinance their existing loans. We just saw a stat saying as many as half can’t meet the credit [more...]
Date: 2009-01-15 19:12:32
Time to get back to basics
Millions of people in the US are feeling at least a little pain as the market whipsaws and home values go down. The people feeling the most pain now have more mortgage debt than they can handle, the inability to refinance that debt, perhaps a lot of credit card debt, and maybe even unemployment. People [more...]
Date: 2008-10-03 05:36:52
All Time Low Mortgage Rates For A++ Borrowers Only
As discussed on December 31, 2008 many homeowners attempting to lower their mortgage rate apply for a refinance, ... income (debt ratio of 32% or less) and substantial equity in the home (loan to value of 75% or less ... and won’t get approved. Only about a third of U.S. mortgage debt outstanding is likely to qualify [more...]
Date: 2009-01-15 08:09:46
Medical debt adding to credit crisis and economic problems
For me this is one of the most disgraceful aspects of the Republican control in America ... led them to amass a pile of credit card debt and forced them to refinance the mortgage on their house ... where someone either went into debt or feared going into debt so opted for no health care or a bad [more...]
Date: 2008-10-30 05:57:01
Businesses offered credit lifeline
Businesses offered credit lifeline Posted by:europe 12 minutes ago • Discuss The government will help small and medium-sized businesses ... refinance up to 20 billion pounds of debt under a new scheme to stop cash-starved firms going bust in the country's first recession since 19 Tags businesses offered credit [more...]
Date: 2009-01-14 21:36:52
The White House Zillow Zestimate
My home being by far my most valuable asset, I wondered what the White House might be worth. After all, mortgage rates are the lowest they’ve ever been since Freddie Mac began its survey in 1971. The US government might be able to refinance - and pay off some of their higher debt [more...]
Date: 2009-01-08 01:35:44
Barriers and Problems Refinancing a Home Mortgage in 2009
My quest to refinance my home mortgage continues. Rates are around 5.00% with no points for a 30 year fixed, last I checked ... with a maximum amount, similar a credit card. You don’t receive a lump sum, but rather withdraw ... for private mortgage insurance (PMI) or take out a home equity line of credit (HELOC). Private Mortgage [more...]
Date: 2009-01-14 11:00:51
MORTGAGE FOR BAD CREDIT
If you would like to buy a new home or have some improvement plan but you are in the situation of poor credit score and it is hard to gain the trust ... in the country, and you can also use their programs to help you on debt consolidations, mortgage refinance [more...]
Date: 2008-11-13 07:17:06
Pay a Prepayment Penalty Now, or Wait to Refinance?
Hi Dan wondering if you could help me out I'm getting a lot of different answers from a lot of people and I'm really searching for help I bought my house brand new (three years ago) for 550,000, and (the next year) I refinanced into a mta loan ... expires in (fifteen months) house just appraised for $775,00 balance on 1st loan 440,000 balance on 2nd [more...]
Date: 2008-12-25 16:11:28
BP: Hedged Value in the Oil Patch
London based BP plc (BP) (45.13) operates in two segments, Exploration & Production, and Refining & Marketing worldwide ... to equity ratio appears comfortable at .268. The book value is $33.87, making the current market price ... the average dividend rate of 3.3% for the last five-years. Since their payout ratio is just 35%, they should [more...]
Date: 2008-12-22 11:37:53
Ask the Readers: When Does It Make Sense to Refinance a Mortgage?
So much for vacation. I just can’t keep myself away from you guys! ... are at a 37-year low. A 30-year fixed-rate mortgage averages about 5.28% right now. I don’t usually pay much ... loan), but our current mortgage is in a kind of phantom zone: We have a $207,000 balance at 6.25 [more...]
Date: 2008-12-19 13:00:18
Refinance Breakeven & 4.5% Fixed Mortgages
The Treasury Department is working on a plan that would lower interest rates on 30-year fixed mortgages to 4.50% APY ... calculator (assuming only 1% for closing costs, which matches some quotes online) and the results were good. After eight months, the money saved on my lowered monthly payment would exceed the closing [more...]
Date: 2008-12-15 12:05:07
Debt Payoff Refinance - Mortgage Rate and Tip For 1-7-09
Real Mortgage Rate and Tip For Today One min. Podcast Ask Terri A Question - Click Here! ... like credit cards or car loans. You can’t use all of your equity. There has to still be 10% equity left in your home or an loan to value of 90%. These used to be very popular right after the holidays to payoff [more...]
Date: 2009-01-07 16:31:45
Refinancing? Try Pentagon Federal Credit Union (PFCU)
With rates plummeting these days, many people are choosing to refinance ... broker. The winner: Pentagon Federal Credit Union To get a mortgage, you must join the credit union. You can do this for free if you or a family member served in the armed forces and has proof [more...]
Date: 2008-12-20 07:10:32
Did I Accomplish My 2008 Goals?
My 2008 Financial Goals were as follows:Purchase my first rental property. I did this, times two! ... and plans. Hmm, I kind of forgot this was a goal. I should do this eventually though...Refinance homestead mortgage at 5.5% or lower (30 yr fixed). I am actually accomplishing this 13 days late [more...]
Date: 2009-01-13 05:18:00
Refinancing Our Way To Better Financial Health
dollar So Denis and I have decided to refinance our mortgage ... ll put 20% of it into savings for emergencies. The other 80% will be applied to credit card debt ... off credit card debt (for fear of going crazy with the credit card again), the new me is excited [more...]
Date: 2009-01-04 00:33:15
Sirius: NY Times Piece Paints Grim Picture of Debt Troubles
Sirius: NY Times Piece Paints Grim Picture of Debt Troubles Posted by Tiernan Ray Today’s New York Times (NYT) ... as it tries to refinance almost $1 billion in debt coming due next year, including $193.5 million ... , who is philosophical about the difficulties of refinancing in the current environment. As Karmazin concedes [more...]
Date: 2008-12-29 12:00:00
Sirius: NY Times Piece Paints Grim Picture of Debt Troubles
Today’s New York Times (NYT) business sections has a feature on Sirius XM Radio (SIRI) by Tim Arango and the travails it faces as it tries to refinance almost $1 billion in debt coming ... with Sirius CEO Mel Karmazin, who is philosophical about the difficulties of refinancing [more...]
Date: 2008-12-30 17:45:29
Morning Mortgage Meltdown: Time to Refinance!: Rates on 30-year fixed mortgages are...
Rates on 30-year fixed mortgages are down in the doldrums. Great, right? Except it's of little help to homeowners already underwater with debt and delinquent payments -- or, for that matter, anyone buying in the Bay Area, where homes generally cost more than the $417,000 [more...]
Date: 2008-12-19 18:44:52
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