How do you refinance mortgage w/ bad credit now after finances change do to lost of job 2 years ago. found knew job about 3 month after but pays less.Asked about modification w/mortgage company said they don't participate. ?

How do you refinance mortgage w/ bad credit now after finances change do to lost of job 2 years ago. found knew job about 3 month after but pays less.Asked about modification w/mortgage company said they don't participate. ?
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1 Answer

Answer :

Just because your mortgage company say they don't refinance does not mean you should stop. Make a list of the places that do participate and apply there to see if you can get the help you need.
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Related questions

Every person should refinance their mortgage after five years.?

Description : Every person should refinance their mortgage after five years.?

Last Answer : Every person should refinance their mortgage after five years.

Now that the Fed has lowered interest rates another quarter point is it time to refinance our home mortgage?

Description : Now that the Fed has lowered interest rates another quarter point is it time to refinance our home mortgage?

Last Answer : It depends what rate and term you have now. Add in closing cost to what you owe and do an amoritization. Then compare it to where you are at now.

I refinanced 4 months ago to consolidate debt and was suppose to refinance again to get a lower rate. Bank now says can't refinance before 6 months of payments have been made. Is this true?

Description : I refinanced 4 months ago to consolidate debt and was suppose to refinance again to get a lower rate. Bank now says can't refinance before 6 months of payments have been made. Is this true?

Last Answer : Untrue. I was promised an immediate refinance and it is 2 1/2 yrs. later and I have not been able to refinance. With Conventional loans there is no seasoning. FHA loans do require 6 months. ... There are obviously other issues which have nothing to do with the number of payments that have been made.

Parents are followers of the hypocrite Pir , what should a child do ? My father died ten years ago and he used to pray five times , but at home. And both father and mother were disciples of Atarshi. I didn't let my mother go after my father died. However, because I am in a madrasa, my mother does not tell me to go there from time to time. But if you don't tell your mother to go , she says , does Pir do the opposite ? By the disciples. Is Pir bad or not ? Now all I know from Hazrat is that my father died before I was admitted to the madrasa. And there was no one to show Dad the right way. What should I do for my father now ? And what is the answer to this question ? Since I don't know much about Atarshi Pir. Obliged by the answer.

Description : Parents are followers of the hypocrite Pir , what should a child do ? My father died ten years ago and he used to pray five times , but at home. And both father and mother were disciples of Atarshi. ... the answer to this question ? Since I don't know much about Atarshi Pir. Obliged by the answer.

Last Answer : All Haqqani Ulama Mashayikh agree that the said Pir was a hypocrite . Originally, the man was just a metric pass. (See! Atarshir Darbar Atarshir Kafela , page-13 , date of publication , January 1974. ... pray for you , may Allah accept you as a great scholar. May Allah guide your mother. Amen.

Can I refinance my mortgage with a different bank, different than the one I currently have it with?

Description : Can I refinance my mortgage with a different bank, different than the one I currently have it with?

Last Answer : Yes, you can refinance with a different bank if you meet their requirements. I’ve never heard of anyone having special stipulations saying they couldn’t do so.

How to refinance a mortgage?

Description : How to refinance a mortgage?

Last Answer : Not a direct answer, but a related topic was recently discussed.

When does it make sense to try to refinance to get better mortgage rates?

Description : When does it make sense to try to refinance to get better mortgage rates?

Last Answer : People refinance to get a better rate. Even one percent can make the difference in thousands and thousands of dollars of interest over the life of the mortgage, depending on how much was borrowed, how much is ... the cost. It always makes sense to re-fi IF it will save money in the long run.

If I file for bankruptcy can I still refinance my mortgage?

Description : If I file for bankruptcy can I still refinance my mortgage?

Last Answer : You would probably be better off refinancing your mortgage first and then applying for bankruptcy later on. My mom had to file for bankruptcy due to credit card debt she could not pay.

At what point is it beneficial to refinance a home mortgage?

Description : At what point is it beneficial to refinance a home mortgage?

Last Answer : If the mortgage rates have gone down you may want to refinance your home. Also you may want to if you have 20% or more in equity or have an adjustable rate mortgage.

What should I know about bankruptcy and mortgage refinance?

Description : What should I know about bankruptcy and mortgage refinance?

Last Answer : You can refinance your mortgage, even after a bankruptcy. Refinancing can even help restore your good credit in about two years! Sit down with your lender and talk about a refinancing plan.

Are Quicken Loans mortgage refinance rates better than most current refinance rates?

Description : Are Quicken Loans mortgage refinance rates better than most current refinance rates?

Last Answer : Quicken Loans does offer competitive refinancing on mortgage rates. There may be companies with lower rates, however, so you should investigate other lenders.

Do mortgage refinance calculators take points into consideration?

Description : Do mortgage refinance calculators take points into consideration?

Last Answer : Yes they do. The good mortgage calculators take everything that may effect you mortgage into account. You have nothing to worry about.

What is the meaning of "refinance mortgage"?

Description : What is the meaning of "refinance mortgage"?

Last Answer : Basically, refinance mortgage is a restructure of your current mortgage. You can shorten the length of your loan, you can get a lower interest rate and lower your payments. In some cases you can cash-out the equity and actually get cash back at the closing of the refinance mortgage.

Can I refinance my mortgage if I have low equity in my house?

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Last Answer : Yes it is possible to refinance your house if you have low equity. But you must have at least 20 percent equity before your refinance will be apporoved.

How to Refinance a Mortgage?

Description : How to Refinance a Mortgage?

Last Answer : Refinancing a mortgage is an important step that requires consideration, research and patience. There are nearly as many loan modification scams as there are legitimate lenders today. Keep reading to learn ... 's information. Don't sign the loan documents until all of these steps are finished.

A legal agreement between the lender and borrower where real estate property is used as a collateral for the loan is termed as ________ A. Mortgage B. Reverse Mortgage C. Repossession D. Refinance

Description : A legal agreement between the lender and borrower where real estate property is used as a collateral for the loan is termed as ________ A. Mortgage B. Reverse Mortgage C. Repossession D. Refinance

Last Answer : A. Mortgage Explanation: A loan that is secured by property or real estate is called a mortgage. In exchange for funds received by the homebuyer to buy property or a home, a lender gets the promise of that buyer to pay back the funds within a certain time frame for a certain cost.

A type of market in which there is a relatively high degree of concentration is referred as _____ A. Mortgage Refinance B. Oligopoly C. Near Money D. Open Economy

Description : A type of market in which there is a relatively high degree of concentration is referred as _____ A. Mortgage Refinance B. Oligopoly C. Near Money D. Open Economy

Last Answer : B. Oligopoly Explanation: Large number of potential buyers but only a few sellers is known as Oligopoly.

A financial product which provides senior citizens with funds against their home equity is referred as _______ A. Mortgage B. Reverse Mortgage C. Repossession D. Refinance

Description : A financial product which provides senior citizens with funds against their home equity is referred as _______ A. Mortgage B. Reverse Mortgage C. Repossession D. Refinance

Last Answer : B. Reverse Mortgage Explanation: A reverse mortgage or home equity conversion mortgage (HECM) is a special type of home loan for older home owners (62 years or older) that requires no monthly mortgage payments. Borrowers are still responsible for property taxes and home owner‘s insurance.

husband and wife live together but file separately. both are itemizing deductions. husband pays mortgage and r/e taxes. house in both names. does the mortgage interest and r/e taxes have to be split if all paid by husband or is husband entitled to take ?

Description : husband and wife live together but file separately. both are itemizing deductions. husband pays mortgage and r/e taxes. house in both names. does the mortgage interest and r/e taxes have to be split if all paid by husband or is husband entitled to take ?

Last Answer : “husband and wife live together but file separately. both are itemizing deductions. husband pays mortgage and r/e taxes. house in both names. does the mortgage interest and r/e taxes have to be split if all paid by husband or is husband entitled to take full deduction.”

I applied for a job online about a month and a half ago and received no response. The company is still posting job ads, should I apply again?

Description : I applied for a job online about a month and a half ago and received no response. The company is still posting job ads, should I apply again?

Last Answer : Move on.

A company pays dividend at the A. End of the week B. End of the financial year C. End of the month D. All of the above

Description : A company pays dividend at the A. End of the week B. End of the financial year C. End of the month D. All of the above

Last Answer : B. End of the financial year

What is the going rate to have someone negotiate a mortgage modification for you?

Description : What is the going rate to have someone negotiate a mortgage modification for you?

Last Answer : I locked in at a fixed rate of 6.37 earlier this week. It might have gone down from there. I'm also refinancing thought so this might not be very much help. What are the exact terms you ... about working with an actual bank in a refinancing capacity. What you are talking about sounds kind of shady.

A recruitment agency (X) called me, requiring me for a job in company (Y). I asked them (X) to make someone from (Y) to call me (X) told me that HR of (Y) will call me. No one in (Y) called me for a month. Can I Contact HR (Y) directly?

Description : A recruitment agency (X) called me, requiring me for a job in company (Y). I asked them (X) to make someone from (Y) to call me (X) told me that HR of (Y) will call me. No one in (Y) called me for a month. Can I Contact HR (Y) directly?

Last Answer : You can call the company's HR to ask if they have any open positions and where to send a resume or fill out an application. But you can't call them about what the recruiter was talking about. The company may ... about. And if you call them about it, it puts them on the spot and they won't like that.

I am going through a divorce, my ex-wife needs to refinance,but we owe more than the house is worth we have a 1st&2nd fixed and never missed a payment in 10 yrs.also have a 740 credit score what can she do need my name off of the house.owe 300k worth 250k?

Description : I am going through a divorce, my ex-wife needs to refinance,but we owe more than the house is worth we have a 1st&2nd fixed and never missed a payment in 10 yrs.also have a 740 credit score what can she do need my name off of the house.owe 300k worth 250k?

Last Answer : You cannot get your name off the mortgage unless you refinance. You may be able to have her refinance the home if you sign a note for the difference between what she can finance for and what is owed. You can also contact the first and second lienholders and request a short sale without recourse.

Flynn Company purchased merchandise inventory with an invoice price of $5,000 and credit terms of 2/10, n/30. What is the net cost of the goods if Flynn Company pays within the discount period? a. $5,000 b. $4,900 c. $4,500 d. $4,600

Description : Flynn Company purchased merchandise inventory with an invoice price of $5,000 and credit terms of 2/10, n/30. What is the net cost of the goods if Flynn Company pays within the discount period? a. $5,000 b. $4,900 c. $4,500 d. $4,600

Last Answer : b. $4,900

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Description : Will Homeopathy or Allopathy be better for tonsil treatment ? I had tonsillitis as a child. Then I took homeopathy. After 7-8 years, due to a lot of irregularities in the winter, the tonsils are ... side of the throat. (Please don't underestimate the fact that I had severe tonsillitis as a child)

Last Answer : Brother, you should seek treatment from an (allopathy) nose, ear and throat specialist. You used to be a homeopath because of this, but now it will not work. You should consult a specialist and get treatment.

A young man decides to buy a collector's baseball card. He pays $60 for it. After a month, the value of the card has increased to $70 and he decides to sell it. But already a few days later he regrets his decision to sell the collector's item, and he buys it again. Unfortunately he has to pay $80 to get it back, so he loses $10. After a year of owning the baseball card, he finally decides to sell it for $100. What is his overall profit? -Riddles

Description : A young man decides to buy a collector's baseball card. He pays $60 for it. After a month, the value of the card has increased to $70 and he decides to sell it. But already a few days later ... of owning the baseball card, he finally decides to sell it for $100. What is his overall profit? -Riddles

Last Answer : $30.00. Overall profit, not net profit!

my mothers home of 30 years is now said to be a liability rather then an asset. she has worked her whole life for this house and sense my father died unexpectedly about 5 years ago she has been struggling greatly. well i guess what i want to know is if th?

Description : my mothers home of 30 years is now said to be a liability rather then an asset. she has worked her whole life for this house and sense my father died unexpectedly about 5 years ago she has been struggling greatly. well i guess what i want to know is if th?

Last Answer : my father died approxamently 5 years ago, my mother has sense taken out a second morgage on her home and has now recently been informed that her home is no longer an asset but rather a liability. is there a grant out there to help my mother keep her home of 30 years?

I was terminated from a job more than 10 years ago but was told that I could not get my 401k until the end of the fiscal year. The company has closed how can I obtain my funds?

Description : I was terminated from a job more than 10 years ago but was told that I could not get my 401k until the end of the fiscal year. The company has closed how can I obtain my funds?

Last Answer : Contact the administrator of the plan, not the your employer. Your quarterly reports will give you a contact number. If that company folded your plan would be taken by another company or held by the feds.

There is no taste in food. What to do now ? I am 21 years old and weigh 49 kg. Health is very bad. It looks so bad. I do not want to eat at all. A few days ago, there were frequent nightmares, but now it happens occasionally. The body feels very weak. A feeling of nausea works all the time. I am taking gas tablets and domperidone. It is a little better to take medicine , except when it is the same as before. The body is getting thinner day by day. What will be the solution ?? I want to know. Thanks in advance.

Description : There is no taste in food. What to do now ? I am 21 years old and weigh 49 kg. Health is very bad. It looks so bad. I do not want to eat at all. A few days ago, there were frequent nightmares ... The body is getting thinner day by day. What will be the solution ?? I want to know. Thanks in advance.

Last Answer : You are 21 years old and weigh 49 kg. And this is because of masturbation and nightmares due to which your body is not improving and the body is so weak that the ability to digest food is ... . Eat nutritious food. Eat fruits. If you have a habit of masturbation, skip it. Avoid pornography.

Turning 18 in less than a month. What do/did you wish you knew back then?

Description : Turning 18 in less than a month. What do/did you wish you knew back then?

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Micro Units Development Refinance Agency (MUDRA) has a corpus of _______, and credit guarantee corpus of ________ A. Rs 25,000 crore and Rs.3,000 crore B. Rs 20,000 crore and Rs.4,000 crore C. Rs 15,000 crore and Rs.4,000 crore D. Rs 20,000 crore and Rs.3,000 crore

Description : Micro Units Development Refinance Agency (MUDRA) has a corpus of _______, and credit guarantee corpus of ________ A. Rs 25,000 crore and Rs.3,000 crore B. Rs 20,000 crore and Rs.4,000 crore C. Rs 15,000 crore and Rs.4,000 crore D. Rs 20,000 crore and Rs.3,000 crore

Last Answer : D. Rs 20,000 crore and Rs.3,000 crore Explanation: The bank will have an initial corpus of Rs 20,000 crore and a credit guarantee fund of and Rs.3,000 crore. The bank will initially ... as a non-banking financial company and a subsidiary of the Small Industries Development Bank of India (SIDBI).

Marital finances/credit history question.

Description : Marital finances/credit history question.

Last Answer : No. The three credit bureaus in the US look at individual’s credit; not married couples an in individual entity. If a couple has a joint debt, like a home purchase; the debt shows up on each individual’s credit report.

How will a consolidation loan effect my finances with $20,000 in credit card debt?

Description : How will a consolidation loan effect my finances with $20,000 in credit card debt?

Last Answer : A consolidation loan will pay off all of your bills and give you one payment. This program will only really work if you cut up your credit cards and have discipline.

What is a credit counseling agency that can help me with finances?

Description : What is a credit counseling agency that can help me with finances?

Last Answer : Credit counseling can be found at many government agencies. Locally, your personal banker may be able to direct you to a reputable credit counselor or coach.

How does having bad credit affect my mortgage payments?

Description : How does having bad credit affect my mortgage payments?

Last Answer : If you have bad credit you will not only have a hard time getting a loan, but you will be charged a higher APR. As a result, your mortgage payment will be higher than if you had good credit. If you ... of being denied a loan until bad debts are taken care of and even then you may have a higher rate.

Can I get a Federal Housing Administration (FHA) mortgage if I have bad credit?

Description : Can I get a Federal Housing Administration (FHA) mortgage if I have bad credit?

Last Answer : Federal Housing Administration guidelines require a minimum credit score of 620, two years since the last bankrupcy and three years since the last foreclosure. Individual lenders may have more strict requirements.

Is it possible to still get a reverse mortgage loan with bad credit?

Description : Is it possible to still get a reverse mortgage loan with bad credit?

Last Answer : You can get reverse mortgage, but you must also realize that if you pass away or sell your house you do not get all of the money. They will take it and all the interest that goes with it.

How can I get a mortgage with bad credit?

Description : How can I get a mortgage with bad credit?

Last Answer : It is very difficult to get a mortgage with bad credit. You will probably first have to raise your credit score.

I really need help with my brother I can not give him the help he needs right now he is in bad shape and I don't know where to go we just moved here not to long ago?

Description : I really need help with my brother I can not give him the help he needs right now he is in bad shape and I don't know where to go we just moved here not to long ago?

Last Answer : You should contact a disability help agency and have them explain the options that your are entitled to.

Stanley loved fishing and also loved boasting about how an amazing person he is. One day he went into a bar after fishing, and started telling people in the bar about something that just happened. 'So I was fishing by the waters, really nice breeze, and suddenly there was this person who creeped from behind and wanted to stab me in the stomach. Because I'm so good in Kung Fu, I turned back and WHAM! I slapped him in the face!' Everyone enjoyed the rest of the story when one person asked him: 'You're lying, Stan, are you?' How did the man knew that Stanley was lying? -Riddles

Description : Stanley loved fishing and also loved boasting about how an amazing person he is. One day he went into a bar after fishing, and started telling people in the bar about something that just happened. 'So I was ... : 'You're lying, Stan, are you?' How did the man knew that Stanley was lying? -Riddles

Last Answer : How can the man stab Stanley in the stomach if he's creeping up from BEHIND?

I was curious if anyone out there knew how to change Peachtree accounting from a 13 month period (where 13th month is Dec 31-Dec31) to a 12 Month period (where each month is a period)

Description : I was curious if anyone out there knew how to change Peachtree accounting from a 13 month period (where 13th month is Dec 31-Dec31) to a 12 Month period (where each month is a period)

Last Answer : You can setup a new Company defining a 12 period year. Make sure to UNCHECK the line referencing ACCOUNTING PERIODS, and then you will have the opportunity to select your starting Month and ... Company shell. Check the Peachtree HELP and search on Rebuild or Rebuilding Company for more information.

After having lost a loved one (a few years ago), is it normal to shut down somewhat during the ********* holidays?

Description : After having lost a loved one (a few years ago), is it normal to shut down somewhat during the Christmas holidays?

Last Answer : The death of someone you love can hit you at the most unexpected times and for an undetermined number of years. Grief affects everyone differently but there are a lot of predictable wipe-outs. Do what is best for ... can be happy and then - pow!. You live with it always; it is what makes us human.

Where can I find a mortgage company that will approve a mortgage when I have a 553 credit score?

Description : Where can I find a mortgage company that will approve a mortgage when I have a 553 credit score?

Last Answer : There is probably no credit union or bank that will approve you when your score is that low. What on earth did you do to have such a horrible credit score? You should be ashamed of yourself.

There was a Japanese ship sailing towards the north. The captain was heading to his quarters to take a nap but, before he slep he placed his priced gold chain in the tale. When he woke up the Chain was gone. He called three (3) suspects; The Boatswain who said “I did not steal it I was checking the supplies when it happened.”, the sailing master who said “I did not steal it I was fixing the flag it was upside down.” and one of his mates who said “I did not steal it I was mopping the decks. ”After that the captain immediately knew who was the thief. So the question is who is the thief? -Riddles

Description : There was a Japanese ship sailing towards the north. The captain was heading to his quarters to take a nap but, before he slep he placed his priced gold chain in the tale. When he woke up the ... that the captain immediately knew who was the thief. So the question is who is the thief? -Riddles

Last Answer : The sailing master it stated that they were sailing in a Japanese ship meaning the flag would look the same even if it was upside down.

A beggar found a leather purse that someone had dropped in the marketplace. Opening it, he discovered that it contained 100 pieces of gold. Then he heard a merchant shout, 'A reward! A reward to the one who finds my leather purse!' Being an honest man, the beggar came forward and handed the purse to the merchant saying, 'Here is your purse. May I have the reward now?' 'Reward?' scoffed the merchant, greedily counting his gold. 'Why the purse I dropped had 200 pieces of gold in it. You've already stolen more than the reward! Go away or I'll tell the police.' 'I'm an honest man,' said the beggar defiantly. 'Let us take this matter to the court.' In court, the judge patiently listened to both sides of the story of a leather bag lost and a leather bag found. He counted the coins; 100 gold coin

Description : A beggar found a leather purse that someone had dropped in the marketplace. Opening it, he discovered that it contained 100 pieces of gold. Then he heard a merchant shout, 'A reward! A reward to the one ... of a leather bag lost and a leather bag found. He counted the coins; 100 gold coin -Riddles

Last Answer : The judge said 'Merchant, you said that the purse you lost contained 200 peices of gold. The purse this beggar found only contained 100 peices of gold. Therefore it cannot be the same purse'. With that the judge gave the purse to the beggar.