What are the key factors in obtaining a home mortgage loan?

My credit isn’t bad or fair. It’s good, just below excellent. How good does your credit have to be and what other factors are key to successfully obtaining a home mortgage loan?

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Is the zero refinancing home loan real ?

I am planning to buy my first home and applying for a home loan and one of the lender said this to me
" If you take your mortgage with us and after 4 payments are made, if the rate goes down by a .25% we will refinance you at no cost"
1) Do they really [...]

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Solve an argument – refinancing car loan AFTER making really large payment?

If you’re planning to refinance your car loan in a few months (at a MUCH lower interest rate) what is the logic in paying a large chunk of money NOW to the company that holds the high-interest loan at the moment?
Seriously, I’m missing the logic here. Wouldn’t it be smarter, if you have a [...]

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Which would be better for us, taking out a home equity loan or refinancing?

My husband and I want to take about ,000 to pay off debt and renovate our home, which we just purchased last July. Our current interest rate is 7.25% and we owe about 65k on our home that appraised at 100k. The problem is that our credit is not great and not well established. Which [...]

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How do I go about refinancing my student loan?

A few years ago, I received a Sallie Mae student loan for about 00 with the understanding that the interest rate would be about 4%. To my dismay, I recently found out that this rate was not fixed, and my current rate is now just over 9% – more than double the original!
How does one [...]

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Can I claim foriegn home mortgage interest as tax deductible?

Hi, I am not citizen of usa and i work in usa. I have home mortagage in my country of citizenship, can I claim mortgage interest as deductible in filing return? If yes how will be currency conversion wil be applied to claim?

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What is the difference between affordable home loan modification and refinancing.?

Does loan modification cost me more than loan refinancing. Is the loan provider interested in doing loan modification.

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Technorati Tags: loan provider, loan refinancing, Loan-Modification

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What happens to your home mortgage when you die?

Is it possible for a home mortgage to dissolved upon the home owner or borrowers death? I figured the estate or family is responsible but what if the home has no next of kin or goes to the state or something. Question has come up a few times in conversation. Called a big bank and [...]

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What percentage of your net income should go towards a home mortgage?

Lets say you have 00 coming in per month, how much is a safe amount to spend on a mortgage, while still saving some for car payments, other loans, insurance, groceries, emergencies, etc? My dad said a 1/4 of your net income is a good idea per month to spend on your home payments…agree? disagree?

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What happens to your home mortgage when you die?

Is it possible for a home mortgage to dissolved upon the home owner or borrowers death? I figured the estate or family is responsible but what if the home has no next of kin or goes to the state or something. Question has come up a few times in conversation. Called a [...]

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