For homeowners who are current on mortgage payments, HARP Refinancing may bring a huge relief

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21 Responses to For homeowners who are current on mortgage payments, HARP Refinancing may bring a huge relief

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  8. appreciate your posts as always! thanks.

    • If you refinance your loan of 50K is paid off, and you now have a new loan of 75K A line of credit is a totally different program where you do keep your 50K loan and make a second payment on a 25K loan. You have to look at both options to see what is right for you. Your loan officer should have explained this to you. You might want to sit down with that person and talk. If they are not telling you the information you want or need, talk with their supervisor.

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    • The interest rate and the fees they are charging you are ridiculous.I recommend that you cancel the transaction and start over with your credit union if you are a member of one or the bank where you have your savings and checking accounts.I recently refinanced my house. I started with an online broker that claimed to have extremely low interest rates and low fees.At the sign off I discovered that the loan terms the rates and the fees were completely different from what I had been told all through the process. the interest rate that they had was absolutely outrageously high.I walked out of the title company halfway through the sign off and took all of the documents with me so that they could not possible put through a loan.I then went back to the bank where I have my savings and checking accounts. They offered me the option of a 5.25% 15 year fixed rate loan or a 30 year 5.75% fixed rate loan. I chose the 15 year fixed because of the lower interest rate and I can afford the higher payments.Unless your loan amount is over 80% of the fair market value there should be no mortgage insurance premium.Also you should be able to pay the loan amount down to less than 80% of the fair market value and have the mortgage insurance premium removed.the terms of this loan that they have given you do not look good to me.I recommend that you cancel this transaction and start over with your credit union or the bank where you have your checking and savings accounts.

    • Tip top stuff. I’ll expect more now.

  11. Frankie Peart

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  12. Humberto Blassingame

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  13. Derek Grigsby

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  14. refi, buy don’t take money for the car. Doing that finances the car for a much logenr period than if you finance the car itself. Also, it might be a point that you would want to dump the car ?I agree cash is king for purchasing and making the best use of money, but not with long term financing. Lower the house payment to as low as you can on a fixed rate and keep the equity in the house. During downturns, there will still be equity and borrowing power. Get underwater and all your options are lost.

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