I just got a full time job and my company has a credit union that I can join as part of my benefits. Has anyone ever heard of Sallie Mae allowing a credit union to buy a loan or refinance it? I have heard all kinds of horror tales about Sallie Mae and I want to get away from them as quick as possible. Lucky for me I only borrowed $7,000 but after just two years this loan is already close to $9,000.
I’ve converted a following home (a condominium in a two-unit association, yes just two) to a rental. If I can get a excellent rate, I’d like to refinance. What rates are available for 75-80% loan-to-value? 15-yr amortization force be OK. My credit is exceptional. On-line has lots of info on owner-occupied rates, but small on rentals.
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I’m sorry if this is a really dumb question, but earlier someone suggested I refinance my car loan, but I have no thought what that means. I looked it up online, and it said a touch about lowering your payment interest when you transfer to a new lender. Coudl someone please clarify in detail what refinancing your car loan does? Does it lower the amount of money you pay monthly? And if so, does that mean I would have to pay for more months?
I have two auto loans. One I am upside down on one loan, the other not. Both loans are around 15-16% interest. I have poor credit. If I wait until I am not upside down on my loan, will I have a better chance of getting a better interest rate? Will it hurt to refinance now AND refinance AGAIN when I at least do not owe the worth of my car?