I have a current home mortgage, Terms; 30 year 5.25 rate 99,000 left to pay. I have a home equity loan, Terms; 10 year 5.5 rate 39,000 left to pay. Should I roll both loans into a 30 year 4.5 rate to lower my monthly payments or leave it the wat it is?
Thank you for your answers. I just refinanced last year for free to get the lower rate so I’m at 30years. The equity loan I payed off two years was 45,000. I was planning to take a 150,000 loan at the 4.5 rate through my credit union to also pay down some credit card debit, about 6,000.
Posts Tagged ‘loans’
To refinance or stay put?
Thursday, August 12th, 2010If I file for bankruptcy can I include my home equity line of credit in it?
Monday, August 2nd, 2010I have a 1st mortgage and home equity line of credit. Can I include the line of credit in the bankruptcy filing and still keep the 1st mortgage and keep the house?
If my boyfriend got denied for a $7,000 loan because of bad credit, will cosign with perfect credit help?
Monday, June 28th, 2010He got denied for a few different loans in the past month. He tried for a home equity loan, a personal loan and he cannot refinance on the house. We got behind because of the economy and his hours being cut at work. He is getting the loan to pay off all the bills that are getting in the way of him being able to manage all of them and then just having that one payment to take care of for the loan at his bank that he is trying to apply for. He is still paying on a loan (3,000) that he had been approved for 1 1/2-2 years ago. He has ALWAYS been on time with paying that bill, because he never knew when he would need one again. He very rarely has overdrafts either. With his credit being bad and having a friend/family member (not sure which one, because the agreement was not to tell he was helping AND my boyfriend offered him 0 just for his signature). Will this person having PERFECT credit help with him getting approved. Thanks so much 
Should or CAN I combine my Mortgage loan with my home equity loan (Refiance together)?
Tuesday, May 18th, 2010In 2006 I purchased a home for 9,000, I took out a mortgage for ,200 at 6.75% (30 years fixed) and a home equity for ,700 at 8.74% (20 years fixed) and put down ,000. I did this so I could avoid PMI which I did. But now I want to refinance since my rate is ridiculously high. Can I combine these two loans now, currently at ,000 and 00 = ,100 combined? At my local credit union the rate they show is 5.185 % (at HSBC now). Gonna live here for at least 6 more years maybe more until my parents sell their home. Gonna talk to them but just wanted some insight before I went. To throw something else in I just won ,000 and was thinking of just paying off the Equity loan but wasn’t sure if I should invest it instead? Was gonna open a roth IRA for a retirement fund maybe with 00 of it since I’m in my low 30’s..
How can I get equity financing?
Monday, May 17th, 2010I am a private investor, I invest in stocks, small businesses, real estate and commodities.
I need money to expand, and I don’t want to get loans because I like to be debt free.
I know that I can get money from relatives and friends, that would be called also equity financing, but I was wondering if there is any other way for other people to invest with me.
Is forming partnerships the only way to go?
Should I pay off my Auto loan or Home Equity loan amount?
Sunday, May 9th, 2010I have ,000 in my Auto loan and ,000 in Home equity loan. I have ,000 in cash which I wan to use to payoff one of these loans. Which one should I payoff?
I am not sure about investing this money as it is risky.
I am going to loan my business money from a personal home equity line. What interest rate do I repay myself?
Thursday, April 29th, 2010Just the 3.25 rate of the loan, or do I have to repay myself at a certain interest rate?
Can you feasibly get a home equity loan after building your own house on 4 separate credit cards?
Tuesday, April 20th, 2010It seems like no one will finance the building of our new home. We have a great credit score (we sold our first home and broke even). They said,"we don’t DO building loans" not that it was us.
So I figured out because of our awesome score we can put it all on credit cards (,000) is all it will cost. It seems pretty rediculous that we can’t that amount out right after selling a home for 140k.
But after its built can we get a home equity loan, to pay of the creit cards, or no because we will have a new, lower credit score?
Is there any home loans for first time buyers with less than one year of steady work?
Sunday, April 4th, 2010My boyfriend and I have found our dream home. But we have a few problems. He has only been at his current job for about 7 months. He makes about 00 a month before deductions. I just started working a few weeks ago and I am going to be making about ,000 a month before deductions. We both don’t have very good credit. And we do not have a down payment. We were told we could get a loan with zero down. But all the loans I have seen require you to have good credit and at least 2 years of steady employment. Maybe I am looking in the wrong places. Can someone give me some advice or point me in the right direction? Thank you.
Related ‘loans’ sites :
| Loans.net One-stop destination for low interest loan offers allows comparison of multiple offers, with registration. www.loans.net | |
| GovLoans.gov Compiles loan information from five federal agencies including the Agriculture, Education, Housing and Urban Development, Veterans Affairs, and Small ... www.govloans.gov | |
| Loans Articles,Calculators,Tools Loans - Articles, Calculators, Tools, and Advice at Yahoo! Personal Finance finance.yahoo.com/loans | |
| Loans | Credit.com With Credit.com, you can find the right loan for you and receive a free, no-obligation loan quote from one of our network lenders. www.credit.com/products/loans | |
| CreditLoan.com Also includes online credit loan applications and solutions for home financing, debt consolidation, and more. ... Sometimes, the only way out is to apply for personal loans. ... www.creditloan.com | |
| Personal Loans | American General Financial Services Get an American General Financial Services personal loan for any purpose including debt consolidation, home improvements, vacations or unexpected expenses. ... loans.agfcredit.com | |
| Loan - Wikipedia, the free encyclopedia Acting as a provider of loans is one of the principal tasks for financial institutions. ... Unsecured loans are monetary loans that are not secured against the borrower's assets. ... en.wikipedia.org/wiki/Loan | |
| GovLoans.gov - All Loans GovLoans is a partnership of many Federal agencies and organizations with a shared vision - to provide improved, personalized access to government loan programs. govloans.gov/ | |
| Capital One offers auto loans, personal loans Choose the flexible fixed-rate program that's right for you. ... Personal Loans. Please enter your five-digit ZIP Code. We ask for your ZIP Code as product offerings and ... www.capitalone.com/loans | |
| Online Loans For Bad Credit - Creditloan.com Most people take out loans for automobiles, mortgages to buy a house, to pay for their own or their children's education, or need loans to start a business. ... www.creditloan.com/loans | |