Posts Tagged ‘free credit score’

Refinance, mortgage question very confused?

Tuesday, November 10th, 2009

I took out a 70k HELOC 1.5 years ago, adding my 1st i owe 205,000. My intrest rate on my 1st is "ARM’ 10% and 2nd 12%. These are killing my payments. I went to try to refinance my credit is 670, but they are telling me my property is valued at 185. if i would come up with 20k they tell me i could save a huge chunk of money. My home was actually appraised at 220 when i took out the HELOC 1.5 years ago. They used a computer to figure it out not a actual appraiser. After doing some reasearch homes sold for 184,000 at that time. I live in a townhome communtiy. I need some help tired of explain this to banks.

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Is there a gift tax on a loan your parents take out but you pay back?

Tuesday, November 3rd, 2009

My parents are willing to take out a home equity loan to help me consolidate my debts. Because the have more equity and a perfect credit score, everything would be in their names. If they simply sign the check over to me and i make the monthly payments to the bank are there any gift tax issues? I think not beause I am paying the interest on the loan as well, so they aren’t really giving me anything but a loan themselves, but i want to make sure….

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I live in Canada, What is a good interest rate on home equity loan?

Friday, October 9th, 2009

I have a good credit score and I have about 30,000 equity in my home…I’m looking for a good line of credit without any fees to start up. Which lender should I borrow from for the absolute best interest rate? RIght now TD says they’ll offer me prime plus 1 which is 3.5%, i’m looking for something like 3% without the 500 dollar fee to start the line of credit. Any ideas?

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I were can i get a fast home equity loan? Good credit/Good income?

Thursday, August 6th, 2009

I need about 15k from my home equity loan fast. My daughter is not covered any longer by our insurance and she became sick and now we need the money ASAP to pay for the bills. My house is appraised at 181k, my mortgage amount left to pay is 61k. I have a high credit score and barely any debt and no late payments. I need an equity loan fast what are my options.
My daughter isnt covered because after a certain age my insurance will not cover her and she has reached that certain age awhile back.

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if i have past bad credit and want to get a home equity loan where do i go i own my home no payments?

Friday, July 31st, 2009

a few things come up on credit report

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Which refinance option is more convenient? (See details)?

Wednesday, June 24th, 2009

I'm refinancing my home loan. My credit score: 792
At this point I have no equity in the house. I bought it 2 years ago.

Options:

1) 3 year mortgage at 5.875% (fixed)
Closing costs: 10,000
My monthly payment: approx. 60

2) 5 year mortgage at 6.125% (fixed)
closing costs: 10,000
My monthly payment: approx. 20

3) 30 year mortgage at 5.75% (fixed)
closing costs: 00
My monthly payment: approx. 00

All the monthly payments are ok. with me.
*********Any suggestions?*********
What should I pay attntion to when refinancing?

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