Home Loans & Mortgages

Chad H


Like if you have loans, credit cards, morgages, car loan payments, business loan payments, etc. Things in credit, more than likely, the more you owe in credit, the better lower interest rates are for you. If you owe nothing in credit and interest really has no effect on you. All you would care about is lower taxes. Because less taxes would be taked out of your pay check and you’d get more money. Not sure what effect this has on tax returns but that’s another story. Right? What would happen if people with different ammounts of credit or no credit, would each have different interest rates and tax rates? What would that do? Would that make it unfair to anyone? Let me know your opinion.

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somethincute4u04


I want to be able to add the payment to the end of my home loan, not not get on a repayment plan. I am looking an option for only 1 month.

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biff


I know the Fed has lowered interest rates many times recently. I was wondering how much total they have lowered the main rate since they began lowering it.

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Adam


Theres a commercial that has been recently been running….May 2009…about Bank of Americas Home Loans and “Clarity Commitment”. There’s no words, but its a piano tune. Anyone know of what this is or where I can get it? Thanks.

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Ash


If you don’t mind my asking, I’m trying to figure out what a reasonable percent of my income is to be going towards a mortgage payment. My partner and I make around $6500 gross monthly, and I’m wondering what percent of that we could reasonably spend on a mortgage without getting in over our heads. We have no other debt, but have normal bills like utilities and car insurance. If you don’t mind could you please give me an idea of what you earn and what you put towards your mortgage? Or what percent of your gross income goes towards your mortgage payments?

Thanks so much!

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russell h


If you get into a debt management plan with a credit counselor, can they really get your credit card interest rates and monthly payments lowered? How low can they get the rates and payments down too?

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Kate373


My parents bought their home 4 years ago at a 4% rate, which is due to change next year when their loan rate. With the market crunch and the new strict lending that’s bound to occur as a result of this, they are worried about what refinancing has in store for them. The good news is that they have flawless credit (they successfully removed their PMI, and they are early every month on their mortgage payments —and they pay an extra couple of hundred dollars than they should. Not to mention their credit card debt is very low (only a couple of thousand dollars). They’ve both been at their great paying jobs for over a decade; but they are still worried about whether they will be able to secure a decent fixed rate when their mandatory refinance is up. Any hope?

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JV


I’m a creditor whose debt is secured by a real mortgage. I’ve received recently a notice that the debtor has filed for bankruptcy under chapter 7 of the US Bankruptcy code. What will happen to both my loan and my mortgage? Will I be enjoined from foreclosing the mortgage? The insolvent debtor by the way is an individual, not a corporation. Please prvide legal basis.

Thank you.

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Carson


I heard that mortgage brokers drive Porches and make tons of money. By and large, how much does the average mortgage broker make?

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Die Bart Die


Our realtor advises that only buyers with cash in hand can buy foreclosed properties at auction. There is a technical challenge buying if you need a mortgage as you have to be in contract to be able to get the mortgage approved. Is this true or is there a valid way you can get a mortgage and bid on a foreclosed property at auction?

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