Are you considering mortgage refinancing with Bank of America. After months of calls, putting the house on the market and getting ready to walk away she was able to refinance. Just try to be patient and pay the thing off.

But, I do get the satisfaction that one day the banks will get what is coming to them. For months the banks tried to help but very few took the needed help. Search pre owned used car listings used cars for sale to find the best local deals.

However, after next month my wife’s entire monthly income goes to our savings or investments. If you have your mind set on B of A for your refinance, you won’t quite need the patience of Job, but it wont hurt. The final insult was that the day I was scheduled to close, the LO calls and said that they had accidentally not submitted a document in a timely matter, so my closing would be delayed for 8 days. Our modular, off-site construction takes place in a controlled factory environment where delays and cost overruns are no longer an issue.

I went through the trial payments on time. Quite honestly, we have use this recession to wipe out all of our credit card and loan debt, so our savings is very modest at this point. I went with Amerisave online, filled out all the paperwork, submitted all the documents, paid the credit report (score of just under 800) and appraisal fees ($35 and $400), answered all the follow up questions, submitted the follow up documents. They said I have to update my paperwork and fill out all of the finantials every 90days, in which I do.

Hell this stuff gets my blood presure up better leave it at that. If you think you’re going to live in your house the next 15 years, it’s crazy not to pursue this option. Tracy is passionate about seeing people learn how to get out of debt and start living a more fulfilling life. We bought directly from the owner, avoiding agent fees and were able to negotiate a very good price.

B of A isn’t exactly turning heads with their refinance mortgage rates. My $180,000 home was appraised three months ago at $36,000 when I wanted to refinance for a better rate. The whole process was actually fairly easy and provided a substantial reduction in the interest rate we’re paying. However, I am not allowed to partake in the lower interest rates because I have not nor will I neglect to pay my mortgage.

I am sure, this is not the way the President intended for his plan to work. My first mortgage was paid on time by my wife, but my credit was messed up. Bank of America, despite being a mediocre bank, enjoys enormous brand recognition, trouble refinancing hence the backlog on their mortgage refinance applications. Of coures she did not like that idea but I do.What do I have to lose.We need to jump on the obama wagon to.The ones not doing the right thing are the ones getting all the money to help them. Try NACA but because I can pay my mortgage no help. I try HARP but my loan is a GINNIE MAE so no help there.

I don’t know how they look at themselves in the mirror. What kills me are the people who have equity and could refinance sitting on the fence. Would You Share Your Credit Score On Facebook.

We are at historical lows and you want to gamble this offer away. We tried to refinance – our house value has only slightly dropped, but it was enough under the ideal percentage that we would have had to bring a huge amount of cash to closing, which isn’t possible for us. LPMI, which was bought by our lender without us knowing, has limited my options. Since the economy is not showing any sign of forward march, banks and financial. Bank of America continues to ignore me and will not work with me at all to mitigate what I see happening soon having to pay on two places. Payday loan debt solution is a company too many payday loans that specializes in payday loan.

I was recently transferred in my job and cannot sell or rent. I was told by SunTrust that in order to get a lower rate, they would work with me if I defaulted on my mortgage, which of course results in a negative credit rating. So, I am screwed no matter what way you look at it. Nov employees of one of canada s largest collection agencies debt collection agencies, iqor canada,. We had a lot of equity in our house because we saved before buying it and transferred equity from our first house to this one, we demonstrated my constant employment, the house appraised trouble refinancing slightly above what Fulton County had in the tax digest, and we were able to move from a 30 year 6.25% mortgage to a 15 year 4% mortgage and Amerisave paid $2900 toward closing.

We will pay off the house 8 years early and save about $175k in interest over the loan and our payment is around $100 more than our 30 year payment was. Constatntly had to track down the LO to answer questions, and everytime I identified a meaningless fee in the loan docs, they would re-submit a new set with the figure added somwhere else. Bank of America isn’t turning people away yet but if you call durning peak hours they might require you to make a reservation. If your current lender won’t work with you and/or does not particpate in HARP, the PMI or LPMI is a deal breaker.

The reason is that most mortgages either have PMI or LPMI associated with them. If you haven’t fully locked your refinance rates and terms there’s no telling what will have changed by the time you finally do close. I recently refinanced my mortgage but it was not easy due to the appraised value.

So, I thought I would take advantage of the Presidents Making Homes Affordable plan. Record-low mortgage rates have turned out to be a tantalizing mirage for some homeowners seeking to refinance because low appraisals made it impossible to close the deal, AJC staffer Michelle Shaw reports. Poor planning on your part does not constitute an emergency on mine. I tried once but the debt/equity ratio is holding me back.

I was not the idiot who approved a $700,000 mortgage to the waitress at Denny’s, therefore it is not my problem. As I said, this has been going on for 1 year and 4 months. People should put more money down and try to pay off mortgages instead of refinancing. We agreed that I could Fed Ex the check the next day. If I had $30,000 I wouldn’t be trying to refinance.

My advise to you is to call someone in government and ask for their help. They told me that I had to be behind in payments. I found Quicken Loans to be great to work with and will do everything possible to help but they are at the mercy of the appraisers.

Los banos, california career, job search jobs los banos and employment resource center. It could have saved us potentially hundreds of dollars. He is suppose to make sure all of my paperwork is together and get it to the underwriter. But, because they can’t find a comp within 3 miles and my house is not a ‘normal’ (it’s a 3 car garage, and I live upstairs — 2 bedroom, 2 1/2 baths, laundry, office), they won’t even talk to me. The banks are the ones that got blamed and screwed by the government. You can have google at your fingertips when browsing the web by making.

Roads are empty, no police siren, life has totally changed from a hurry- worry to. Many banks have payed back their TARP (that the government forced on them) and are done listening to the federal government. Currently over half of all modifications fail and helping the deadbeats is not getting us anywhere. If so, you might be surprised to find the mega bank is less than interested in your home loan. They told me they would not accept my payment. I owe $210k ($190k first, $20k second), appraisal is $228k.

Winston salem, north carolina s source apartments in winston salem nc with no credit checks for home rentals, apartments, and. I have a feeling there are quite a few people out there like me. If you stop paying your premium, the insurance expires. I was going to refinance, however, I owe more than what my house is worth. My lender didn’t participate in HARP but after trouble refinancing a lot of calls I found someone willing to do it. At truliant federal credit union, we are dedicated to serving your financial.

The banks are bending over backwards to help those who bit off more than they can chew. Thats the big problem, when your own Mortgage company won’t provide you service. You would not believe how many different answers that I have been given each week.

Told my wife the other night hell lets just go buy another one. Bought my house 4 years ago 100% finance. It is so true the ones of us doing the right thing are getting screwed.Paying on time with all bills we have doing the right thing.Now my house is worth what I paid for it 11 years ago.All the upgrades and money I have put in it.Still paying taxes on the higher amount.Can’t sell it but would like too. I have called twice in two weeks and have talked to someone else every time. Private Casita - $600 (North Fontana) pic map.

The value of our home has increased from when we bought it 10 years ago. Well, isn’t it ironic that during the start of this meltdown my job at one of these large banks was to call every customer that was in distress. So, refi idea is dead, and we just have to hope interest rates stay friendly on our adjustable rate mortgage. Westside rentals has helped thousands of los angeles apt rentals people find apartments for rent in los.

A refi to a 30 year loan would have gotten me a lower payment, but I would have paid more over the life of the loan. Buying a home is a risk just like anything else. I had anticipated that my closing costs would be $10,000.00 and made out the check, when the attorney said that i had to have a Certified check for the closing.