Posts Tagged ‘mail’

Home Equity Line of Credit HELP!! Specialized Loan Servicing / GMAC?

Thursday, July 29th, 2010

I purchased my home in 2004. At that time, a ,000 home equity line of credit was established through GMAC. In October of 2009, GMAC sold my HELOC to Specialized Loan Servicing.

Ever since, it has been a nightmare.

Can’t keep track of my payments, no idea where my money is being applied, bogus annual maintenance fees (that were not in the original GMAC note), impossible to read statements – I’m just beside myself. On top of all that, it is obvious SLS is geared towards collecting BAD debts. Almost every call I make to them, or piece of mail I receive is set up as if it’s for someone that is 3 months behind. I pay almost double my monthly payment for pete-sakes!!!

I want to get AWAY from this company…. can anyone suggest a lender, company, bank, solution so that I can run from these half-wits??? I don’t deserve to be treated like this, and neither does anyone else that have been upholding their end of the loan requirements.

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Any advice on how to sell our house w/o a realtor in a low traffic area?

Saturday, November 21st, 2009

We’ve lived in our home over 2 years. It was a new construction home when we bought it. We would like to move closer to the city but don’t have much equity in the home yet so having a realtor may cost too much out of pocket, especially if we will need to turn around and buy again. We have it listed on a local FSBO site but it’s back in a quiet subdivision with little traffic so how else can we advertise w/o breaking the bank?
Greenville is the nearest city, selling for 173,000, 2248 sq ft (4bed, 2.5 bath, bonus room)
Greenville is the nearest city, selling for 173,000, 2248 sq ft (4bed, 2.5 bath, bonus room)

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Paying off my 2nd mortgage with a credit card balance transfere?

Friday, October 16th, 2009

Hi – I bought my house 2 years ago with 100% financing, I did a 80/20 loan. Both loans are fixed the first at 6.5% and the 2nd at 9%. I got a statement in the mail from my credit card company (chase) stating I can do a balance transferee at 2.99% until the loan balance is paid off. So would it be a good idea to transfer my 2nd mortgage onto the credit card?

Thanks

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Should I refi into a higher rate just to get a fixed mortgage payment?

Friday, September 25th, 2009

I currently have as a 2nd mortgage a Heloc arm (revolving line of credit which is based on the prime so adjustable). the rate is low now and i feel that rates will not go up for a while. My lender has offered me a fixed rate for this loan but my payments would increase over 0.00 month since it would then include principle & interest. Should I keep the adjustable, continue with low payments and then even pay more than the minimum if I can. I worry about refi to make higher payments as I am struggling now just to make the lower payment. Can lender force me to take their offer? they just put it in the mail to me, no call or discussion or options given to me.
please no advertisements. and i appreciate the personal opinions but not the spam

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Where can I find a HELOC (Home Equity Line of Credit) ?

Monday, August 31st, 2009

It seems like all the big lenders are freezing HELOCS. Where can I find one that will not close my equity line?

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what are the pro and cons for home equity loan?

Monday, August 24th, 2009

Related Articles

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House worth 115,000-120,000$,no equity,owner financing.Person getting the house,no credit.What options open?

Thursday, July 23rd, 2009

What are options for person with no credit,no down,etc,in this economy,to take control of house?

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I have a house that is now in the lawyers hand for forclosure. what will happen? the full process? I’m broke.

Monday, July 20th, 2009

I am in this position due to a divorce and now carry all credit card debt from the marriage because judge deemed property equity and total credit card debt were similar. Had house on market since oct. of 07. no takers. cant rent now because too far behind in paymnts. got letter in mail from attorney office saying forclosure starts in 30 days or less. what can i do? how screwed am i? for how long? cant even pay all my bills anyway. i have no assets or savings. my home was on a V.A. loan from when i was in the military. owned the home for 3.5 yrs and it has some supposed equity in it or did. what should i do? the house is in another city and i havent lived in it for over a year.

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Can I avoid forecloser?

Friday, July 17th, 2009

I bought a home four years ago through owner financing, also called seller financing. I have fallen behind five or six payments but now owe only two payments of 0. I can make the last two payments this month; however, the seller has notified me by mail that he is "accelerating" the note, and the case is to go to court on June 2. My question is, can I simply make the last two payments, which will make me current, and avoid foreclosure. I’d hate to lose the house, even though we moved into another home last August. I’d hate to lose all the equity in the first home. I’d also hate to have the foreclosure appear on my credit report. Is there anyway out of this mess? I live in south texas and texas laws apply but I don’t know where to look online to see if I have any rights.

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Is this rebound in the stock market the calm before the storm?

Tuesday, June 23rd, 2009

It seems there is a lot of ignorance in the American economy.
With the mortgage problems getting bigger(most of those ARMs will hit later and those equity loans will also hit later), gasoline going higher and higher, China playing chicken with the Fed and many other pressures(frost killed off huge amounts of agriculture, honeybees declining with no solutions, etc.)things are going south but people still are thinking Invest, invest invest when caution should be maintained.
Very dangerous behavior by the markets.
Future makes one think 5 years or more
Thats not the timeframe
The worsening environment is not even considered by the markets.
Very foolish.

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Related ‘mail’ sites :


Yahoo! Mail
Yahoo! Mail provides free, customizable email, including PhotoMail online picture sharing, spam protection, filtering, and multiple email account management.
mail.yahoo.com
 
Mail.com - Free Email, Unlimited Storage, Anti-Virus & Spam ...
Provides personalized, web-based email. Also offers premium service upgrades.
www.mail.com
 
Gmail - Email from Google
Web-based free email service from Google that offers spam protection, groups replies into a single conversation, and allows users to search their message archive.
gmail.google.com
 
Hotmail - Windows Live
Send, receive, and organize email with Hotmail, a free web-based email provider from MSN. Features a personal calendar and customizable contact groups.
www.hotmail.com
 
AOL Mail: Simple, Free, Fun
Provides free AOL email account. Users can check email and compose new messages online.
webmail.aol.com
 
Yahoo! India Mail
Yahoo! India Mail provides free, customizable email for users in India. Includes PhotoMail online picture sharing, spam protection, spell checking, and other tools.
in.mail.yahoo.com
 
Yahoo! UK & Ireland Mail
Yahoo! UK & Ireland Mail provides free, customizable email for users in the U.K. and Ireland. Includes unlimited storage, spam protection, spell checking, and ...
uk.mail.yahoo.com
 
USPS - The United States Postal Service (U.S. Postal Service)
Official site of the U.S. Postal Service (U.S.P.S.), featuring postage rate calculator, Express Mail tracking, ZIP codes, post office locations, change of address ...
www.usps.com
 
Yahoo! Mail: The best web-based email!
Add whatever sites you love to the new Yahoo! homepage. Connect, do, and share more with Yahoo! Mail. Do more with results you find on Yahoo! Search. ...
login.yahoo.com/config/login_verify2?.intl=us&.src=ym
 
Mail - Wikipedia, the free encyclopedia
Mail, or post, is a method for transmitting information and tangible ... First-class mail prices are based on both the shape and weight of the item being mailed. ...
en.wikipedia.org/wiki/Mail
 

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