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I'm in the process of paying down some credit card debt so
Hi. I'm in the process of paying down some credit card debt so my wife and I can improve our mortgage lending credit scores. We have several rental properties that we would like to refinance soon, but… read more
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Hi I am interested in applying for a HELOC to buy an investment property. … read more
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Hi I have a question, if I take out a personal loan to pay off my few high credit cards, will that boost my credit score doing so or will it hurt my score … read more
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Is anyone here a credit score expert? Im wondering 8f I
Is anyone here a credit score expert? Im wondering 8f I refinance my mortgage, will that make my '15 year good pay streak' now look a lot shorter because thst old mort is done?… read more
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What is a home line or equity? For home line of equity, we
What is a home line or equity?For home line of equity, we need to apply for it or not? I was told by a friend, that we just need our personal info and no need to apply for it at JP Morgan chase bank.… read more
Lev
Lev
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What is better for getting money out of your home? A HELOC
What is better for getting money out of your home? A HELOC or cash-out refinancing. I owe $81,000. I paid $112,000. I have not yet appraised the home but it would possibly be as much as $130,000. The … read more
Emilee Weaver
Emilee Weaver
Controller
Masters of Professional Accounting
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I have an adjustable rate mortgage but it's been so high in
I have an adjustable rate mortgage but it's been so high in monthly payments lately. How can I refinance to lower the payment? Is it wise to change to fixed-rate mortgage? We're living in Marin county… read more
Eric
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My banker convince me to get a HELOC with a 25K limit
Hello, my banker convince me to get a HELOC with a 25K limit because I needed expensive dental work. What doesn't seem to make sense is even though I pay $20 a month in interest it doesn't decrease th… read more
Lev
Lev
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Bachelor's Degree Equivalent
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I need about 20-30 thousand to remodel my house. I have 2
I need about 20-30 thousand to remodel my house. I have 2 current mortgage loans, which one should I re-finance? The first one is with Wells Fargo. Current debt is $87,960 current home value is $200,0… read more
PDtax
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A bank just closed a HELOC because of a bad debt/income
A bank just closed a HELOC because of a bad debt/income ratio. There is a lot of equity in the primary residence. No warning was given. I don't know if a cashout refi is possible. What is the best way… read more
Robin D.
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We are trying to decide if we should refinance. We currently
We are trying to decide if we should refinance. We currently have a 15 year mortgage that will be paid off in 2018 with a fixed rate of 5.375% (balance $49,700). We also have a HELOC balance of $80,90… read more
R. Klein, EA
R. Klein, EA
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Variable interest rate HELOCs..Do all variable HELOCs work
Variable interest rate HELOCs.. Do all variable HELOCs work the same? If I withdraw $10,000 from my HELOC while it's at 3%, will I only owe 3% on tat entire $10,000 is paid back? What if I only paid b… read more
PDtax
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HELOC....It seems with most HELOCs, if you choose the one
HELOC.... It seems with most HELOCs, if you choose the one with a variable interest rate, then you're more likely to see a lower interest rate more frequently, as opposed to getting a HELOC with a fix… read more
Megan C
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I am looking into refinancing my home which has a very low mortgage due (less than $8,000). In speaking with a few lenders, one mentioned the Home Equity Conversion Mortgage (HECM) available thru appr… read more
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Currently have $30,000 in credit card debt. Looking to refinance
Currently have $30,000 in credit card debt. Looking to refinance home or home equity line? Credit score is good. Approx. 25,000.00 cash in bank and 401 K plans for both of us. We have an adjustable mo… read more
Eric
Eric
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On my 1st mortgage I have 8yrs, 85,000.00, left on a 15yr fixed
On my 1st mortgage I have 8yrs, 85,000.00, left on a 15yr fixed loan, the interest rate is 4.875%. The monthly payments are 1200.00 including taxes and insurance. My 2nd mortgage is a HELOC that has a… read more
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i cant decide if we should take out a HELOC or Home
i can't decide if we should take out a HELOC or Home Equity Loan. The bank recommends HELOC but I'm concerned about how it will affect my credit score. Isn't it more detrimental to my credit score to … read more
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I am trying to decide if I should refinance my 2nd mortgage ...
I am trying to decide if I should refinance my 2nd mortgage and consolidate my debt. My 2nd mortgage (HELOC) has a $18,200 balance and I make a monthly payment of $200 at 8.85%. I have three credit ca… read more
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