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HEIR PROPERTY
Dimples, if there is no mortgage on the property then you can use a warranty deed to get the heir property transferred in your mother's name. On the deed all brothers & sisters will be named as grantors and your mother as the grantee. DOES A DOLLAR AMOUNT OF THE PROPERTY HAVE TO BE ON THE does a dollar amount of the property have to be on the quit claim deed for it to recorded?the quit claim deeds are being executed as a result of a divorce. different properties are being deeded to each party by the other party. these properties were exchanged between parties based on dollar amount, but no money is changing hands. MY LOAN WAS SOLD TO FANNIE MAE DOES THIS CHANGE ANYTHING My mortgage was originally through countrywide but I found out they sold it to fannie mae, I am behaind in my mortgage seriously 12 months but I sat down with them to see if I could get a modification I was told not for sure but it is possible. DO GRANTEES OF LADY BIRD DEED HAVE TO PAY CAPITAL GAINS lady bird deed in florida Will we have to pay taxes on the gains of the property value from the orginal cost of the property, or will we be taxed on the capital gains from the current assessed valuation ofthe property.
MORTGAGE GIFT LETTER Mortgage Gift letter is what the donor of the gift writes to the lender stating that he has offered a gift of money to the home buyer. Homebuyers often require extra funds to make their down payment or pay part/whole of their closing costs when there is MANUFACTURED HOME WITH LAND AS COLLATERAL A borrower should first clear the existing debt against a property and then use it as a collateral for mobile home. Or else, he should make regular payments on the first loan so that he can build up equity against which he can take a second mortgage. CAN YOU CHANGE A QUITCLAIM DEED TO A my wife was asked by a man she had always known as uncle bert died last 3/17/07 his real neice was granted administrator of his estate-- she and the other 10 legal family left each signed a quitclaim deed to my wife -- can she change the quit claim deed over to a regular ownership deed. and can she acquire a loan on the land QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS Hi Coop, Both Niicss and Jenkin have given you sound info. Once you have quitclaimed, it is not your obligation to pay capital gain tax. “Also, if she moves back into the house after the tenants leave and lives in it for 3 of 5 years and then sells the house, will there be any capital gains implications for me?†In that case also it is not your obligation to pay the capital gain tax COMBINE 2 DEEDS AND 2 TITLES INTO ONE Thank you George The land has a Garage Workshop on it and a chicken coop it is fully fenced and with his own water,elec and septic tank.In the past there was a trailer house on it but that has been removed before we bought it. DO I QUALIFY AS A FIRST TIME HOMEBUYER IF MY NAME IS ON do i qualify as a first time homebuyer if my name is on deed only and i refinance this month?if my name is listed on the deed but not on the mortgage would i qualify as a first time homebuyer for the $8,000 stimulus credit if i refinance this month and put both the mortgatge and the deed in just my name due to a divorce. i have never bought a home before this is the first one ever.HEIR PROPERTY
Dimples, if there is no mortgage on the property then you can use a warranty deed to get the heir property transferred in your mother's name. On the deed all brothers & sisters will be named as grantors and your mother as the grantee. DOES A DOLLAR AMOUNT OF THE PROPERTY HAVE TO BE ON THE does a dollar amount of the property have to be on the quit claim deed for it to recorded?the quit claim deeds are being executed as a result of a divorce. different properties are being deeded to each party by the other party. these properties were exchanged between parties based on dollar amount, but no money is changing hands. MY LOAN WAS SOLD TO FANNIE MAE DOES THIS CHANGE ANYTHING My mortgage was originally through countrywide but I found out they sold it to fannie mae, I am behaind in my mortgage seriously 12 months but I sat down with them to see if I could get a modification I was told not for sure but it is possible. DO GRANTEES OF LADY BIRD DEED HAVE TO PAY CAPITAL GAINS lady bird deed in florida Will we have to pay taxes on the gains of the property value from the orginal cost of the property, or will we be taxed on the capital gains from the current assessed valuation ofthe property.
TAX CERTIFICATE
A tax certificate is a certificate issued to the purchaser of property by the state or local government. The certificate is provided at the time of transfer of property title when the government charges a certain amount of tax payment. It is a claim against property that has a lien placed upon it on account of unpaid property taxes. BIWEEKLY VS MONTHLY MORTGAGE PAYMENT CALCULATOR The bi-weekly vs monthly mortgage payment calculator gives an estimate of the interest payments you can save by paying off your loan using the bi-weekly option. TWO APPRAISALS ON THE SAME PROPERTY It is quite possible for two appraisals to be different. Keep in mind that an appraisal is an opinion of value. However, if the apprasials are done properly, they should at least be within a ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERS Please enable JavaScript for the best experience. In the mean time, check out our refinance rates!. Company Loan Type APR Est. Pmt. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS Hi Coop, Both Niicss and Jenkin have given you sound info. Once you have quitclaimed, it is not your obligation to pay capital gain tax. “Also, if she moves back into the house after the tenants leave and lives in it for 3 of 5 years and then sells the house, will there be any capital gains implications for me?†In that case also it is not your obligation to pay the capital gain tax ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERSLoan Term and Type
ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERS disclaimer. Ask free mortgage questions to experts and share answers DATE OF DEED VS. RECORDING DATE It's the date of the deed itself - recording often takes quite a bit of time in an active market, for example. Clerk's offices are jammed up with paperwork quite often.HEIR PROPERTY
Dimples, if there is no mortgage on the property then you can use a warranty deed to get the heir property transferred in your mother's name. On the deed all brothers & sisters will be named as grantors and your mother as the grantee. DOES A DOLLAR AMOUNT OF THE PROPERTY HAVE TO BE ON THE does a dollar amount of the property have to be on the quit claim deed for it to recorded?the quit claim deeds are being executed as a result of a divorce. different properties are being deeded to each party by the other party. these properties were exchanged between parties based on dollar amount, but no money is changing hands. MORTGAGE GIFT LETTER Mortgage gift letter is a letter from a family member verifying that he/she has given the borrower a certain amount of money (for you $40,000) as a gift and there is no need to return it. That can certainly bring down the loan amount as you can use that money towards a portion of your down payment through some mortgage products. MANUFACTURED HOME WITH LAND AS COLLATERAL hi katie, you cannot use the entire land as the collateral as you already have a lien against it. but you can use the equity in your property as the collateral. the equity = (appraised home value) - (the remaining debt against the land) that means you will be taking a second mortgage against the same land or property. thanks, sara. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS According to the Taxpayer Relief Act of 1997, a owner can get exemption from capital gains taxes for up to $250,000 on sales profit for single filers and $500,000 in profit for married joint filers. But if the home is sold before meeting the ownership and residency requirements, the capital gain taxes have to COMBINE 2 DEEDS AND 2 TITLES INTO ONE combine 2 deeds and 2 titles into one. I own 2 properties. One is a piece of land with farm buildings on it and a other piece of land with a house on it. Both have there own title and deed and there own mortgage. Both properties are adjacent. What do I need to do to get ONE DEED and ONE TITLE with one mortgage and have ONE property insteadof 2.
DO I QUALIFY AS A FIRST TIME HOMEBUYER IF MY NAME IS ON do i qualify as a first time homebuyer if my name is on deed only and i refinance this month?if my name is listed on the deed but not on the mortgage would i qualify as a first time homebuyer for the $8,000 stimulus credit if i refinance this month and put both the mortgatge and the deed in just my name due to a divorce. i have never bought a home before this is the first one ever. CAN YOU CHANGE A QUITCLAIM DEED TO A I guess your wife has already received the ownership rights on property through the quitclaim. But has the deed been notarized and recorded or else it won't be valid. And yes, she can get a loan after the deed is recorded and she becomes the owner.HEIR PROPERTY
The heirs to the property can file an affidavit of heirship at the county recorder's office and get the property transferred in their names if your grandfather had no will. if there is a will, then that needs to be probated. Thanks. jameshogg. Posted on: 13th Apr, 201010:57 pm.
IS A LOAN UNDER $100,000 POSSIBLE? Your rate might be slightly higher than the published market rate. For example, I know that Wells Fargo charges around .75-1.00 points more for a loan under $75,000. Which could bump your rate 0.25% or so, or you could pay the 1 point ($800 on a $80,000 mortgage) to DOES A DOLLAR AMOUNT OF THE PROPERTY HAVE TO BE ON THE does a dollar amount of the property have to be on the quit claim deed for it to recorded?the quit claim deeds are being executed as a result of a divorce. different properties are being deeded to each party by the other party. these properties were exchanged between parties based on dollar amount, but no money is changing hands. DO GRANTEES OF LADY BIRD DEED HAVE TO PAY CAPITAL GAINS The ladybird deed does not result in capital gains tax for the beneficiaries. The beneficiaries or the grantees will not receive any gains from the sale proceeds as such. This is because the original cost of the property is not taken into account. Instead, the stepped-up basis or the value of the property on the day of the lastgrantor's death
MORTGAGE GIFT LETTER Mortgage gift letter is a letter from a family member verifying that he/she has given the borrower a certain amount of money (for you $40,000) as a gift and there is no need to return it. That can certainly bring down the loan amount as you can use that money towards a portion of your down payment through some mortgage products. MANUFACTURED HOME WITH LAND AS COLLATERAL hi katie, you cannot use the entire land as the collateral as you already have a lien against it. but you can use the equity in your property as the collateral. the equity = (appraised home value) - (the remaining debt against the land) that means you will be taking a second mortgage against the same land or property. thanks, sara. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS According to the Taxpayer Relief Act of 1997, a owner can get exemption from capital gains taxes for up to $250,000 on sales profit for single filers and $500,000 in profit for married joint filers. But if the home is sold before meeting the ownership and residency requirements, the capital gain taxes have to COMBINE 2 DEEDS AND 2 TITLES INTO ONE combine 2 deeds and 2 titles into one. I own 2 properties. One is a piece of land with farm buildings on it and a other piece of land with a house on it. Both have there own title and deed and there own mortgage. Both properties are adjacent. What do I need to do to get ONE DEED and ONE TITLE with one mortgage and have ONE property insteadof 2.
DO I QUALIFY AS A FIRST TIME HOMEBUYER IF MY NAME IS ON do i qualify as a first time homebuyer if my name is on deed only and i refinance this month?if my name is listed on the deed but not on the mortgage would i qualify as a first time homebuyer for the $8,000 stimulus credit if i refinance this month and put both the mortgatge and the deed in just my name due to a divorce. i have never bought a home before this is the first one ever. CAN YOU CHANGE A QUITCLAIM DEED TO A I guess your wife has already received the ownership rights on property through the quitclaim. But has the deed been notarized and recorded or else it won't be valid. And yes, she can get a loan after the deed is recorded and she becomes the owner.HEIR PROPERTY
The heirs to the property can file an affidavit of heirship at the county recorder's office and get the property transferred in their names if your grandfather had no will. if there is a will, then that needs to be probated. Thanks. jameshogg. Posted on: 13th Apr, 201010:57 pm.
IS A LOAN UNDER $100,000 POSSIBLE? Your rate might be slightly higher than the published market rate. For example, I know that Wells Fargo charges around .75-1.00 points more for a loan under $75,000. Which could bump your rate 0.25% or so, or you could pay the 1 point ($800 on a $80,000 mortgage) to DOES A DOLLAR AMOUNT OF THE PROPERTY HAVE TO BE ON THE does a dollar amount of the property have to be on the quit claim deed for it to recorded?the quit claim deeds are being executed as a result of a divorce. different properties are being deeded to each party by the other party. these properties were exchanged between parties based on dollar amount, but no money is changing hands. DO GRANTEES OF LADY BIRD DEED HAVE TO PAY CAPITAL GAINS The ladybird deed does not result in capital gains tax for the beneficiaries. The beneficiaries or the grantees will not receive any gains from the sale proceeds as such. This is because the original cost of the property is not taken into account. Instead, the stepped-up basis or the value of the property on the day of the lastgrantor's death
TAX CERTIFICATE
A tax certificate is a certificate issued to the purchaser of property by the state or local government. The certificate is provided at the time of transfer of property title when the government charges a certain amount of tax payment. It is a claim against property that has a lien placed upon it on account of unpaid property taxes. BIWEEKLY VS MONTHLY MORTGAGE PAYMENT CALCULATOR Compare Monthly and Biweekly Mortgage Payment. You will be able to find out how much you can save on interest if you make bi-weekly payments instead of the monthly payment. You'll also be able to discover how much cash amount you will have at hand by paying off the mortgage early through bi-weekly payments. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS According to the Taxpayer Relief Act of 1997, a owner can get exemption from capital gains taxes for up to $250,000 on sales profit for single filers and $500,000 in profit for married joint filers. But if the home is sold before meeting the ownership and residency requirements, the capital gain taxes have to TWO APPRAISALS ON THE SAME PROPERTY Total Reply : 3. It is quite possible for two appraisals to be different. Keep in mind that an appraisal is an opinion of value. However, if the apprasials are done properly, they should at least be within a few percent of each other. On another note, the first appraisal was completed for the lender by an appraiser trusted by thatlender.
ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERS Please enable JavaScript for the best experience. In the mean time, check out our refinance rates!. Company Loan Type APR Est. Pmt. ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERSLoan Term and Type
DATE OF DEED VS. RECORDING DATE Total Reply : 6. It's the date of the deed itself - recording often takes quite a bit of time in an active market, for example. Clerk's offices are jammed up with paperwork quite often. gmakerley. Posted on: 21st Apr, 2010 11:02 am. That's what we have always understood. We have a couple of deeds that were recorded out of order, but theirdates
ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERS disclaimer. Ask free mortgage questions to experts and share answersHEIR PROPERTY
The heirs to the property can file an affidavit of heirship at the county recorder's office and get the property transferred in their names if your grandfather had no will. if there is a will, then that needs to be probated. Thanks. jameshogg. Posted on: 13th Apr, 201010:57 pm.
DOES A DOLLAR AMOUNT OF THE PROPERTY HAVE TO BE ON THE does a dollar amount of the property have to be on the quit claim deed for it to recorded?the quit claim deeds are being executed as a result of a divorce. different properties are being deeded to each party by the other party. these properties were exchanged between parties based on dollar amount, but no money is changing hands. HECM - HUD REVERSE MORTGAGE TO PURCHASE HOME OR CASH OUT If you're an older homeowner looking to purchase a primary home or convert the value of your home into cash, without having to make a monthly mortgage payment, try getting an HECM or Home equity conversion mortgage.The HECM is the only reverse mortgage insured by the Federal Housing Authority (FHA) and the Department of Housing and Urban Development (HUD). CREDIT REQ. FOR CLAYTON HOMES Welcome carter, In order to get a mortgage to buy a manufactured home, you will require a credit score of 680-720 for a conventional mortgage. If you want to get a FHA loan, then you will require a credit score of around 580-620. Apart from this, you should have the required debt to income ratio and stable financial situation. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS According to the Taxpayer Relief Act of 1997, a owner can get exemption from capital gains taxes for up to $250,000 on sales profit for single filers and $500,000 in profit for married joint filers. But if the home is sold before meeting the ownership and residency requirements, the capital gain taxes have to CAN YOU CHANGE A QUITCLAIM DEED TO A I guess your wife has already received the ownership rights on property through the quitclaim. But has the deed been notarized and recorded or else it won't be valid. And yes, she can get a loan after the deed is recorded and she becomes the owner. WARRANTY DEED TRANSFER Thank you, Peter. Total Reply : 4. Hi pheines, You will not be liable for paying taxes. However, as your mother is transferring the property as a gift, then she will be liable for paying the gift taxes. However, there is a gift tax exemption of $1million DO I QUALIFY AS A FIRST TIME HOMEBUYER IF MY NAME IS ON do i qualify as a first time homebuyer if my name is on deed only and i refinance this month?if my name is listed on the deed but not on the mortgage would i qualify as a first time homebuyer for the $8,000 stimulus credit if i refinance this month and put both the mortgatge and the deed in just my name due to a divorce. i have never bought a home before this is the first one ever. WHAT HAPPENS IF I HAVE AN UNINSURABLE FHA LOAN? HOW DOES Where do I turn if that happens. What would happen to my mortgage. Balance is less than $70g, and land and buildings are worth at least $150g-$200g, its about 1/3 acre of land. If the property has been declared as uninsurable, then none of the insurance companies will be ready to offer you a insurance for that property. DO GRANTEES OF LADY BIRD DEED HAVE TO PAY CAPITAL GAINS The ladybird deed does not result in capital gains tax for the beneficiaries. The beneficiaries or the grantees will not receive any gains from the sale proceeds as such. This is because the original cost of the property is not taken into account. Instead, the stepped-up basis or the value of the property on the day of the lastgrantor's death
CAN A CO-OWNER GET A HOME EQUITY LOAN WITHOUT INFORMING there is a house that is co-owned by two people (unmarried, both names on mortgage and deed). i am trying to find out if co-owner #1 can get a home equity loan without informing/telling co-owner #2. if this is possible, how would co-owner #2 figure out what loans or lines of credit have been taken out with the house as collateral. IN FLORIDA CAN YOU BE ON THE DEED BUT NOT ON MORTGAGE jameshogg. Posted on: 29th Dec, 2008 06:46 pm. If he's "on the deed" then he would be required to sign the mortgage, that does not mean he's responsible for the loan (as a borrower) - it only secures the mortgage company's lien on the property. If he was a borrower and signed the note then he'd share the same liability on the loan. HECM - HUD REVERSE MORTGAGE TO PURCHASE HOME OR CASH OUT If you're an older homeowner looking to purchase a primary home or convert the value of your home into cash, without having to make a monthly mortgage payment, try getting an HECM or Home equity conversion mortgage.The HECM is the only reverse mortgage insured by the Federal Housing Authority (FHA) and the Department of Housing and Urban Development (HUD). CREDIT REQ. FOR CLAYTON HOMES Welcome carter, In order to get a mortgage to buy a manufactured home, you will require a credit score of 680-720 for a conventional mortgage. If you want to get a FHA loan, then you will require a credit score of around 580-620. Apart from this, you should have the required debt to income ratio and stable financial situation. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS According to the Taxpayer Relief Act of 1997, a owner can get exemption from capital gains taxes for up to $250,000 on sales profit for single filers and $500,000 in profit for married joint filers. But if the home is sold before meeting the ownership and residency requirements, the capital gain taxes have to CAN YOU CHANGE A QUITCLAIM DEED TO A I guess your wife has already received the ownership rights on property through the quitclaim. But has the deed been notarized and recorded or else it won't be valid. And yes, she can get a loan after the deed is recorded and she becomes the owner. WARRANTY DEED TRANSFER Thank you, Peter. Total Reply : 4. Hi pheines, You will not be liable for paying taxes. However, as your mother is transferring the property as a gift, then she will be liable for paying the gift taxes. However, there is a gift tax exemption of $1million DO I QUALIFY AS A FIRST TIME HOMEBUYER IF MY NAME IS ON do i qualify as a first time homebuyer if my name is on deed only and i refinance this month?if my name is listed on the deed but not on the mortgage would i qualify as a first time homebuyer for the $8,000 stimulus credit if i refinance this month and put both the mortgatge and the deed in just my name due to a divorce. i have never bought a home before this is the first one ever. WHAT HAPPENS IF I HAVE AN UNINSURABLE FHA LOAN? HOW DOES Where do I turn if that happens. What would happen to my mortgage. Balance is less than $70g, and land and buildings are worth at least $150g-$200g, its about 1/3 acre of land. If the property has been declared as uninsurable, then none of the insurance companies will be ready to offer you a insurance for that property. DO GRANTEES OF LADY BIRD DEED HAVE TO PAY CAPITAL GAINS The ladybird deed does not result in capital gains tax for the beneficiaries. The beneficiaries or the grantees will not receive any gains from the sale proceeds as such. This is because the original cost of the property is not taken into account. Instead, the stepped-up basis or the value of the property on the day of the lastgrantor's death
CAN A CO-OWNER GET A HOME EQUITY LOAN WITHOUT INFORMING there is a house that is co-owned by two people (unmarried, both names on mortgage and deed). i am trying to find out if co-owner #1 can get a home equity loan without informing/telling co-owner #2. if this is possible, how would co-owner #2 figure out what loans or lines of credit have been taken out with the house as collateral. IN FLORIDA CAN YOU BE ON THE DEED BUT NOT ON MORTGAGE jameshogg. Posted on: 29th Dec, 2008 06:46 pm. If he's "on the deed" then he would be required to sign the mortgage, that does not mean he's responsible for the loan (as a borrower) - it only secures the mortgage company's lien on the property. If he was a borrower and signed the note then he'd share the same liability on the loan. BIWEEKLY VS MONTHLY MORTGAGE PAYMENT CALCULATOR Compare Monthly and Biweekly Mortgage Payment. You will be able to find out how much you can save on interest if you make bi-weekly payments instead of the monthly payment. You'll also be able to discover how much cash amount you will have at hand by paying off the mortgage early through bi-weekly payments. MORTGAGE GIFT LETTER Mortgage gift letter is a letter from a family member verifying that he/she has given the borrower a certain amount of money (for you $40,000) as a gift and there is no need to return it. That can certainly bring down the loan amount as you can use that money towards a portion of your down payment through some mortgage products. QUITCLAIM DEED AND CAPITAL GAINS IMPLICATIONS According to the Taxpayer Relief Act of 1997, a owner can get exemption from capital gains taxes for up to $250,000 on sales profit for single filers and $500,000 in profit for married joint filers. But if the home is sold before meeting the ownership and residency requirements, the capital gain taxes have to TWO APPRAISALS ON THE SAME PROPERTY Total Reply : 3. It is quite possible for two appraisals to be different. Keep in mind that an appraisal is an opinion of value. However, if the apprasials are done properly, they should at least be within a few percent of each other. On another note, the first appraisal was completed for the lender by an appraiser trusted by thatlender.
ASK FREE MORTGAGE QUESTIONS TO EXPERTS AND SHARE ANSWERSLoan Term and Type
CASH OUT INVESTMENT PROPERTY TX A good credit score is a must to qualify for any new loan in this market. However, it is not true that you need to have more than one investment property to do cash out refinance. If you have one investment property and there is equity in it, you can refinance. However, you can do cash out only up to a limit of 80% LTV in Texas. MOBILE HOME LOAN FOR SELF EMPLOYED Hi Ron, Welcome to MortgageFit Forums. As Colin said it is not easy to get a mobile home loan with stated or no doc. Although I don't wipe out possibilities especially you have very good score. You can get a mobile home loan but may face some restrictions. The lenders may like to see your business running for at least 2 years. CAN MOBILE HOME BE USED AS COLLATERAL TO GET PERSONAL LOAN Thereafter, the mobile home is brought to some location and is given some permanent foundation. If you own a mobile home, then you can use its title as collateral to obtain a personal loan. The lender who is offering you the loan by keeping your manufactured home as the collateral however has to be confident that you will be able to repaythe loan.
DO I QUALIFY AS A FIRST TIME HOMEBUYER IF MY NAME IS ON do i qualify as a first time homebuyer if my name is on deed only and i refinance this month?if my name is listed on the deed but not on the mortgage would i qualify as a first time homebuyer for the $8,000 stimulus credit if i refinance this month and put both the mortgatge and the deed in just my name due to a divorce. i have never bought a home before this is the first one ever. AFTER CLOSING CAN A COMPANY SAY THEY MADE A MISTAKE PLS My main question about my first post on this page might not have been clear. Once I sign the docs and get approved and the paper states 30 days for change to any docs can be made 28th day 29th day for example but after the 30th day and the loan has been processed can the company that gave me the loan come back and say they made a mistake and didn't charge enough mortgage ins %. Skip to main content World's Largest Mortgage CommunityToggle navigation
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I'm Glenn Jackson i recently had a very pleasant & rewarding conversation with Mr. George Ackerly George was not only very understanding & informative but gracious i was pleased with the results of our conversation consultation & when we were finished Mr. Ackerly said something in a beautiful tone of voice that made me feel wonderful he said ( God Bless you ) i love an try & walk within Jesus all day & when & how he finished with those words it felt like two Christians having an understanding._Glenn Jackson_
WAYS TO GET MORTGAGE HELP IN 5 DIFFERENT FINANCIAL SCENARIOS Choosing right home loan program is very crucial. If you are currently on home shopping or willing to replace the existing loan with a new one, you have to fix your mind on a particular program. Whatever be your financial situation, you have to first analyze your individual case and select the best one from different types of home mortgages. Get proper advice to make the right choice and to own your dream home. * If you are purchasing a home for the first time * First time home buyers: Factors to check out for If you are planning to buy a home, then you have around 15 loan programs based on fixed rate mortgage (FRM) or adjustable rate mortgage (ARM) . If you have bad credit history, even then you some options open, such as bad credit mortgage loans. Before selecting your option, you need to check the following factors.* Type of home
* Mortgage rate
* Debt to income ratio * If you want to replace or modify your existing home loan * A. Replacing the existing loan: Take recourse to refinance If you are facing tough times in repaying your home loan and if you want to replace the existing loan with a new one, then one option available to you is refinance. It offers you a loan with more suitableterms.
* Interest rate is lowered * Chances of saving are more * Repayment becomes faster * B. Modifying the loan: To enjoy better terms If you are struggling to manage your mortgage payments and are afraid of losing your home, then the ideal mortgage advice for you would be loan modification. This helps you avoid the serious consequences of foreclosures . It modifies the loan in your favor. Here are major benefits of this program * Helps avoid foreclosure * Makes payment affordable * Converts ARM to FRM & vice-versa * If you have already taken a home loan and have built up equity init
* A. Home equity loan: Cash in on equity If you have accumulated substantial equity (represents an ownership interest) in your home, then you can utilize your equity to obtain a home equity loan (HEL). This kind of second mortgage loan is offered to you against your home equity. Generally, these are loans with fixed rate of interest for long time period. For qualification to HEL, factors considered by the lenderinclude
* Credit history
* Debt to income ratio * Loan to value ratio * B. Home Equity Line of Credit: Another way to cash in on equity If you have adequate home equity, you can use that for taking out a home equity line of credit (HELOC) too. This kind of loan is usually short term in nature and has some similarities with credit cards. Itsbenefits are
* No down payment required * Rate of interest is lower than unsecured loans * Helps you meet short term goals * If you are a senior citizen and own a home as primary residence * Reverse mortgage: A good choice for the seniors If you are a senior citizen and possess substantial equity in your home, a good choice for you would be a reverse mortgage loan. In conventional loans, you have to make monthly payments whereas in this type of loan, you don't have any obligation to make payments to the lender. Its important characteristics are * Insured by the Federal Government * Helps retain full ownership of your home * Credit score does not matter much * If you have been in foreclosure but willing to take out a home loan * Mortgage after foreclosure: Secrets to qualify If you've been in foreclosure, your credit score must have been very low. This is the time when you need to reorganize your finances and make yourself eligible for a new loan. Here are the secrets toqualify.
* Prepare a budget
* Improve your credit situation * Check your affordability About Us | Privacy Policy | Testimonials | RSS Feeds | Site Map Mortgage Rate Comparisons are powered by MortgageLoan.com (MLD). MLD is not a lender, nor is it responsible for the accuracy of the interest rate quotes offered by its network of lenders. We are not engaged in direct marketing through email or phone to entice customers. If you have any query or if you are suspicious of any deceitful activities, feel free to contact us at this mail: customercare@mortgagefit.com. © 2014 Mortgagefit. All Rights Reserved. We have chosen to apply the Creative Commons Attribution License to all works we publish. This work is licensed under cc by 2.0 Page loaded in 0.053 seconds.Details
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