Posts Tagged ‘blog archive’

Can my bank work with me on a Home Equity Loan?

Tuesday, August 10th, 2010

Im looking to get a home equity loan from my bank. Already started the process, im just waiting on the drive by appraisal. Im just looking for around ,000 to pay off credit cards i dont use anymore. I dont use credit cards anymore period. But want to be able to pay them off within 5 years, and with all these interest hikes over the past year ill never do it by paying them directly. So i figured even with the highest interest rate for a home equity loan i can have them paid in under 5 years and save over 0 a month. What i want to know is since im requesting a little amount of money does my bank have the ability to work with me in bending the rules a bit if the appraisal doesnt come back with at least what i need to get the entire amount. And what all do they use when doing drive by apprasials and do they increase the value of the house in any way? Thanks!
Well, my tax assesment value puts the house and land at about 2,000. And i currently owe ,000. Is there room to work?

The original appraisal was ,000 back in 2007, since we have updated the entire 1100 sq/ft of living space and restructured and replaced the roof at the tune of ,000, reroofed the garage, and finshed a 300 sq/ft enclosed porch, with also landscaping, with pool and shed reconditioning. Total cost of all we did is around ,000. Any thoughts.

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What is my best option for leveraging the equity in my home to finance my daughters college education?

Friday, July 30th, 2010

Is it refinancing my 1st mortgage? Taking out a home equity line of credit? Taking out a home equity loan? Or none of the above?

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interest rate question?

Thursday, May 6th, 2010

ok in new york and i know the prime rate now is 7.75% is this the rate you use when refinancing or is this for home equity loans, someone told me refinancing was the libor index, i’m confuse lol , i’m thinking of refinancing, havn’t started shoping around as yet, just wondering what the current index rate for refinancing was, and i don’t mean adjustable rates … long story short i know i’m confusing lol can someone check out this website and tell me which index rate is use to refinance http://www.moneycafe.com/library/prime.htm

any help would be grealty appreciated as i now learning :)

thanks
Lin

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How will the today's fed cuts affect a HELOC at 9.95%?

Thursday, April 22nd, 2010

Does the heloc automatically go down to 7.75% OR do you have to ask for this rate?

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I have a property foreclosed in CA, USA and have 2 banks under it for 1st and 2nd Mortgages.?

Saturday, March 27th, 2010

comes 2007 Tax Season – Would I get 2 1099-As from the two banks or only from the 1st lender… Please help for the troubled mind.

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Do I have to file Chapter 13 if my 2nd mortgage has been charged off?

Thursday, March 25th, 2010

Home value is well below 1st mortgage and we have no plans to move. 1st mortgage is current but due to job loss could not keep up 2nd. What happens if I don’t file Chapter 13?

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what is home equity and refinance?

Saturday, March 20th, 2010

are they types of loans?
what makes them different from other loans?
i’m sorry guys, i hav a project in economics on banking so i dont know what half of you are even talking about.. i just want maybe an economics for dummies type answer haha

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IN NEED OF PROFESSIONAL OPINION ABOUT HOME AND 2ND MORTGAGES?

Thursday, February 11th, 2010

My husband and I owe my mother about K.

We currently live in a home that is unfinished (we bought it that way..) It sits on 3+ acres, the main floor is 1600 sf, the upstairs is approx 1300 sf, the basement is "somewhat" finished and has a higher ceiling than most. We live on the main floor because the 2nd floor is totally unfinished – no insulation, no walls. It is a huge home with loads of potential but we’ve run out of funds to complete it.

We have someone who is interested in coming in and completing the home and our plan is to do this, take out a second mortgage, pay our lender off, then pay my mother. Is this a good thing? We’ve been burned before and we want to be very careful this time around. Does this all sound too risky or a good thing to do consider the circumstances?

Though the home is large, we can only get an appraisal based on a 2 bedroom, 1 bath home. When completed, the value will be raised significantly to a 4-5 bedroom, 3 bath home.

Would it be best to slowly do the work ourselves rather than taking the risk? We live in Ontario so the housing market is much healthier than our southern friends. My husband and I have good secure jobs.

Signed, "Really at a Loss for What to Do"

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