Comments for Home Refinance Rates Today

Comment on Refinance Your Mortgage by rndllhllw

rndllhllw — Fri, 18 May 2012 20:50:11 +0000

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Comment on Q&A: co signed on a home. Too young and didnt know better? by Sonia James

Sonia James — Wed, 16 May 2012 18:56:50 +0000

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Comment on Q&A: co signed on a home. Too young and didnt know better? by Walama

Walama — Wed, 16 May 2012 18:53:10 +0000

Unless someone can replace you or dad qualifies on his own there is no way out.

If you were somehow able to buy a house with your fiance and she left, you’d be in the same situation again. When you sign a mortgage, regardless who else signs it, you need to be prepared to make every payment yourself for the next 30 years. You can’t predict what others will do but you can protect yourself from a lifetime of unexpected, unwanted debt.

Comment on Q&A: co signed on a home. Too young and didnt know better? by Frank Petti

Frank Petti — Wed, 16 May 2012 18:07:46 +0000

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Comment on Q&A: co signed on a home. Too young and didnt know better? by kemperk

kemperk — Wed, 16 May 2012 17:58:11 +0000

my peer is not correct. YOU can go to court and get a judge to alter the note and
take your name off it.

THE judge MIGHT force the sale of the home but the judge must balance law and fairness.

get back to me and keep me informed

Comment on Refinance mortgage rates how to get the best refinance mortgage rates by quijadakenny

quijadakenny — Fri, 11 May 2012 02:17:43 +0000

goood

Comment on Q&A: Refinance…what if property does not appraise high enough? by Steve T

Steve T — Sun, 06 May 2012 04:11:06 +0000

If your loan is currently a Conventional mortgage being held by Fannie Mae or Freddie Mac, and you are not currently paying PMI and you have not refinanced after March 2009 then you would be eligible for a “Refinance Plus” program.

The “Refinance Plus” program will allow you to refiance your current mortgage (currently held by Fannie or Freddie) with a new loan amount up to 105% of the new appraised value WITHOUT activating PMI. Fannie and Freddie started this program to help ease the foreclosures in the market. It is understood that values have dropped so offering people an opportunity at the low rates available without activating PMI would help both the homeowner with a lower payment and the Lender with better assurance of being paid back. There are some other details to this program should you have a 2nd mortgage or Home Equity open.

Also, it is not neccasarily true that your current Lender will provide you with the best offer. As with anything in life; Shop around.

I hope the information was helpful.

I am a Mortgage Banker employed by a Direct Lender. If your property is located in PA, NJ, DE or CT feel free to email me for further information.

Comment on Q&A: Refinance…what if property does not appraise high enough? by Steven

Steven — Sun, 06 May 2012 04:00:49 +0000

Mortgage brokers have a habit of initiating loans “just to see if it sticks”. If you are paying for the appraisal upfront, they don’t lose anything other than time spent. Don’t worry, they can’t and wont charge you for anything else unless it funds.

Foreclosure sales will affect your appraisal. It’s worth mentioning that even if the appraisal comes in at the value you are looking for, that is no guarantee that the lender (the bank your broker will sell it to) will accept the value. Lenders are cutting value left and right especially on broker initiated originations.

Check out zillow.com to get an idea. You may want to contact the realtor that sold you the house and ask for a BPO. They’ll probably do it for free and you will get a better idea.

These days it’s best to go to your lender (people you are making payments to) instead of a 3rd party broker to refinance. Even if the value should come in low, your lender has greater flexibility in working with your value as opposed to the broker.

Be prepared to see thumbs down for my answer. Most likely from mortgage brokers……….sorry guys, lenders and government agencies have instituted policies making your jobs difficult to say the least. Hopefully the pendulum will swing the other way once the dust settles.

Comment on Q&A: Refinance…what if property does not appraise high enough? by karen86416

karen86416 — Sun, 06 May 2012 03:23:54 +0000

have the appraiser to do a value check for your home first.

Comment on Q&A: Refinance…what if property does not appraise high enough? by Bill S

Bill S — Sun, 06 May 2012 02:33:16 +0000

You won’t have to pay those fees unless the loan goes through, and they will be included in with the loan.

The “processing” and “underwriting” are the last steps before “closing”.

If your appraisal is not high enough there is a chance you will be responsible for the appraisal fee, but that is it. Some companies make you pay the appraiser yourself at the door. Just depends, but the most you should have to fork over out of pocket is for the appraisal.