Comments for Refinancing

Comment on Am I really saving on my refinance? by DavidMorganFinancial

DavidMorganFinancial — Thu, 09 Sep 2010 02:19:07 +0000

@MentalReserve Hi Sir, Very good question. You “could” get a letter from the county allowing you to rebuild the home “as-is” if the home was destroyed by unforeseen circumstances. Some lenders may allow you to refinance with this letter. Another option you may have is to refinance under Freddie Mac. Freddie refinances do not require appraisals, which may circumvent your “highest and best use” issue.

Comment on Am I Losing Me? by chargerriv

chargerriv — Wed, 08 Sep 2010 23:31:39 +0000

very cool

18/F/Texas. hrmMMmmm. someone msg me im bored!! dj

Comment on What are the steps to refinance your car? by Rick B

Rick B — Wed, 08 Sep 2010 23:06:11 +0000

I have seen a few people ask this question lately. I don’t get it. You don’t refi a CAR. You should not finance depreciating assets AT ALL; you should pay cash for them. If you DO finance them, it should be for as short a time as possible 24 months or 36 months at the longest.

If you need to refi a car, then you purchased too much car. Sell it and buy a good used car for cash.

Comment on What is the best way to get a small business grant or loan? by theangel1025

theangel1025 — Wed, 08 Sep 2010 16:48:56 +0000

You’ll need to have white skin.

Comment on Butch get’s a Loan – Telemarketer Prank Call by pimpleonureye

pimpleonureye — Wed, 08 Sep 2010 10:51:38 +0000

sombody missed the like button

Comment on Defeat The Debt Pledge Commercial by ArswawWorldofWarcraf

ArswawWorldofWarcraf — Wed, 08 Sep 2010 08:34:09 +0000

This same thing happened just before the french revolution. King Louis XVI had huge debts for France and then he wanted to pay it off by raising taxes on just the poor! They had a revolution because of it! I hope it does not have to come to that here!

Comment on If we unwillingly inherit a business that is in debt, are we responsible to pay off that debt? by cora

cora — Wed, 08 Sep 2010 04:36:04 +0000

My advice to you would be to get legal advice from a professional

Personally, If you don’t legally sign for that business, I dont think you could be held 100% responsible for the debts…. however, if NO ONE takes over the business when your father in law passes away then it would probably depend on which banks he has taken out the personal loans / credit cards and what insurance he has on these loans…

Any money / assest he happens to have will be frozen so the creditors get paid first ie: house, boat, car etc… if no one takes over the business, these banks will want their money and they will be entitled to any assets first before anything can be inherited.

Comment on Debt Settlement Video | Bills.com by dicegame95

dicegame95 — Wed, 08 Sep 2010 02:15:56 +0000

Call Today 1-800-258-4131

Comment on Zombie-Loan, Episode 1 [Teil 3/3] by MiniZickeNinchen

MiniZickeNinchen — Tue, 07 Sep 2010 23:16:56 +0000

mir auch ich will 2 folge auch komplett sehn w kann mir jemand sagen wo ich das anscheuen kann???

Comment on What is your monthly mortgage payment and your household income? by RetiredDebtFree

RetiredDebtFree — Tue, 07 Sep 2010 22:42:56 +0000

To keep from getting in over your head and being financially stressed, your monthly total mortgage payment (PITI) should not exceed 25% of your take-home pay.

Lenders will tell you 30% or more, but that school of thought leads to families struggling with the reality of home ownership and all the other expenses.

Being a home owner is expensive: regular maintenance (air filters, cleaning products, light bulbs, etc.), major repairs like heat & air, roofs, window replacement, painting), yard upkeep, appliance repair and replacement, plumbing emergencies, garage door repair, furnishings and replacing old furniture from time to time, insect and termite control, fence replacement, and the list goes on and on.

Don’t buy the biggest place your lender will allow. Being in debt for your house will hamper you ability to save for future major financial obligations and wishes like vacations, family, retirement, medical expenses, and the occasional toy or trinket.

Comment on morgage is under my retired mothers name i pay loan how can i claim taxs without refinancing? by bdancer222

bdancer222 — Tue, 07 Sep 2010 20:58:00 +0000

You can’t. You must be liable for the interest and property taxes to claim it on your income tax. If the mortgage and the deed are not in your name, you cannot claim the deductions.

Comment on Defeat The Debt Pledge Commercial by Rizky06

Rizky06 — Tue, 07 Sep 2010 20:17:45 +0000

Round up all of the Monopoly games you can find and use that to pay off anyone who is dumb enough to lend the United States their money!!

Comment on Borrow from 401k to pay high interest student loans? by stargirln13

stargirln13 — Tue, 07 Sep 2010 17:15:17 +0000

I would do it if i was you. Just make sure you pay it back even if you pay interest because at the end you are only paying to yourself in this case instead of someone else.

9% is a high rate…. and if you already have the money to pay for it, go ahead!

Comment on Are there any legitimate debt consolidation companies out there that are not rip-offs? by mama k

mama k — Tue, 07 Sep 2010 16:15:09 +0000

I use ACCC (American Consumer Credit Councel). They negotiated a lower percentage rate on all my credit cards and they pay them for me monthly. There is a service fee each month but it is very minimal. They consolidated both mine and my husband’s debt and we are doing so much better now. I HIGHLY recommend them.

Comment on Judge Judy – 66 year old, 27 year old and unpaid loans pt. 1 by mofohains

mofohains — Tue, 07 Sep 2010 13:37:41 +0000

@EEPALE
I know, a gold digging monster in disguise

Comment on What is the best way to get a small business grant or loan? by sainfa

sainfa — Tue, 07 Sep 2010 06:44:32 +0000

The best way is to get it from the bank. Natwest bank is the best
they will give you loan and you will started paying back after six months.

Comment on The Kristine Sa Show – Episode #09 “Kim Loan” [Pt1 of 3] by NathanLee0921

NathanLee0921 — Mon, 06 Sep 2010 23:45:14 +0000

Hey, I gave you a thumb up. Hahaha.

Comment on Am I really saving on my refinance? by DavidMorganFinancial

DavidMorganFinancial — Mon, 06 Sep 2010 10:36:32 +0000

@MentalReserve: Please note: Freddie must currently own your loan to do a Freddie-to-Freddie refinance. Google search “freddie mac loan lookup”.

Comment on What’s the best place to refinance a personal student loan? by carolann vavra

carolann vavra — Mon, 06 Sep 2010 08:43:24 +0000

I had the same problem recently. Play it safe by see on>

Comment on Debt Settlement Video | Bills.com by Debt0Advice

Debt0Advice — Mon, 06 Sep 2010 07:45:17 +0000

Pick the right debt solution for your own personal situation.