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Price of home: 159,470
PMI: yes
Interest Rate: 6.5 -> builder offered free point to buy down to 6.375
Estimated Prepaids: 1,584
Estimated Closing Costs: 3,793
Total Costs: 164,847
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Good Faith deposit already put down: 1,500
Lender Credit: 175
Paid by Seller: 1,595 (interest rate point)
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Total Loan Ammount: 159,470
Total Settlement Cost: 2,112
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Payment schedule:
no. of pymnts: 120 Principle & inter & PMI : 1,123.80
no.
Continue reading Are These Numbers Good For A 30yr, Fixed, Conforming/conventional Mortgage Loan?
Lender has issued a lien release only but I am responsible for the difference. There is no way I can pay that. My boyfriend left me and I make 15.00 an hour with 2 kids. Do I accept the short sale or let it go to foreclosure
Continue reading I Refinanced My Loan 3 Years Ago For 500,000. I Am Doing A Short Sale Now And It Was Approved For 270,000.?
Example: Previous value of house $300K and currently paying in mortgage, current value $200K and applied for loan modification, after 2-4 years from now $400K. Will the $200K additional value be considered as equity or AUTOMATICALLY be added in the owners debt/mortgage?
Should have no effect on your credit report or your score.
Merely states that the terms where changed.
As long as there are no late pays on your history you are fine. If there are late pays on your history then those are what will have a negative effect.
And there effect could be lessoned if the bank
Continue reading Does A Note Modification Of My Mortgage Loan Negatively Affect My Credit Report?
Hi,
I owe 171k on a home worth 145k my APR is 9.75%. I am not late at this point but struggling to make ends meet. I already tried to do a refinance but i would have to bring at least 30k to the table. Top it off i lost
Continue reading Would I Qualify For A Loan Modification, Cant Refinance?
If our monthly mortgage payment is reduced through the home affordable modification program, does the difference from the new “modified” payment and our old higher payment get added to the total balance of the loan? So will we end up owing more on our house than originally? If our payment goes down $500
Continue reading Modification Loan Question?
In Aug. 07 my husband and I chap.7 bankruptcy was disgarded. We now want to buy a house which is only 5500 and we need 3500 to do so. what can we do?
I am in need of refinancing our home. We are currently almost 2 months behind on our mortgages. We stopped the foreclosure in October but are headed that way again if we don’t find a way to refinance. When we stopped the Continue reading Is There A Loan Company Out There Anywhere That Refinances Under 500 Credit Score To Stop Foreclosure?
I have a car loan of about $10,000. I got this loan about 9 months ago. I am just wondering how it will affect me if my co-signer files bankruptcy.
I have been told I qualify for a loan modification and just waiting for the negotiator to follow up from B of A / Countrywide ( it takes forever! ) Has anyone had experience with a principle adjustment when your loan is modified?
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