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Mortgage Companies

Posted By: anon on 2007-01-04
In Reply to: finding a new mortgage company...sm - OP

We have a good one, but it is funny when there is an error on their part they call your employer...  When they want to loan you some more money, they call your house! 


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mortgage
My thought is to get more house with a 40-year mortgage but it's not necessarily the house I will stay in the rest of my life. I would probably downsize in about 6 or 7 years. Just wondering if banks readily give this or not . . .
Mortgage foreclosure.
I am in danger of losing my home.  Anybody deal with this and what did you do?
I had no problem getting a mortgage
with iffy credit, but your broker may not have any control over the documentation needed - especially since the subprime mortgage industry is tanking due to bad loans (everyone is being more careful as a result). STILL, if you have been doing the same type of work for a while, which you have, they should look at the bigger picture - and I would ask them to because you would "hate to have to take your business elsewhere" wink wink.

Remember your clients can lose their clients *any*time - with or without a contract, so I doubt they are going to be willing to give you a letter which meets the requested requirements. If you have excellent credit there are tons of companies out there who probably would not ask for this type of documentation - although terms could be affected a bit. Good luck. P.S. Want to buy my house - its for sale!?
mortgage question
Has anyone ever obtained a 40-year mortgage?  Are they hard to get?  I'm house hunting and just trying to look at all my options.  TIA.
Do you know about reverse mortgage?
Maybe not, you might be young but will explain for others who do not know. If you own your house outright and should your spouse die, you get sick, whatever you can continue to live in your house, and you possibly would get money also to live there until you die. Called reverse mortgage. More should know about it. A company takes over and then you will the house to them upon your demise. So that thing about selling the house, nah on this end. As far as short term social security, may be for younger people or not be all and from what I am hearing by the time social security is due to give out, probably would not be around then anyway so don’t worry about the short term thing there, money from previous hospital is until my demise, again no worry there, money in bank building interest only, don’t take from there, no problem there either. The only thing I consider myself rich in is happiness and love. Next.
Mortgage rates
Is anyone refinancing with the mortgage rates so low? I doubt we'll ever see them this low again.....thoughts?
Have you talked with your mortgage holder? sm
They will sometimes try to work with you regarding payments, etc. They don't like to foreclose. It usually takes anywhere from 6 months to a year to foreclose on a house and they usually take a hefty loss. We bought the house next door to us just a few months ago on a foreclosure and it took forever.
finding a new mortgage company...sm
Is at the top of my agenda for this year, but it was the plan all along to refinance this year anyway, so...thanks for the support y'all!
Question about mortgage and divorce...sm

Is the only way to get my name off a mortgage is to have my ex either refinance or sell the place?


Thanks


I agree. They also don't state how much their mortgage
if you don't live beyond your means you don't struggle.
Mortgage? You gotta be kidding. - sm
Dont know 'bout the rest of y'all, but I live in a very tiny apartment. My car is 13 years old, and is going to have to last me forever. It guzzles gas, but it's paid for. I never eat out, I eat 2 meals a day instead of 3, and I buy my clothes at the Goodwill. A vacation? Fuggetaboutit! A 'vacation' is when I occasionally allow myself the luxury of watching the evening news on TV.
Mortgage recommendations for not so good credit...

a family member needs to get a mortgage for a home they are currently "buying" from a friend on contract.  I say "buying" in a very loose term, because I am not sure that they even have a written agreement, sometimes it sounds like they are just "renting".  Anyway, credit is a problem for them.. bankruptcy 7+ years ago, collection accounts they are currently paying on, etc. and probably some current finance company bills and "of course" the "new-used SUV" they got about 8 months ago.  You all know what I'm saying here, this is not a "one time credit problem".... Supposedly, they tried one mortgage company but, according to the wife, after about 3 months they got mortgage approval but PMI insurer turned them down.  They actually have a good deal on the home, appraised at approx 90,000 and they are buying it for approx $78,000, so there is some equity.  Of course, they have actually no $$$ to really put down.  The situation is that they have been living there a few years and the seller "a friend of theirs" needs the cash by October, so that he can purchase a property he is currently buying on contract from his sister, who needs the money now, etc. and on and on it goes.  Anyway, if they cannot come up with a mortgage, they are out, have to move and of course, they will be trying to hit us up for cash or, heaven forbid, a place to live!!!   I need any suggestions anyone has or any names of mortgage companies that deal with this particular situation. The wife called us and asked us to co-sign, but that's out of the question.  Appreciate any advice


Best mortgage company for not so perfect credit?

I am looking to buy a house that is $185,000.  From the sale of my current home, I will make $165,000 and will use all of that as a down payment.  Obviously, I am 20k short.  I don't have the best credit (low FICO score) so I am looking for a mortgage company that will loan me what I am short with bad credit.  Anyone know of any?


Thanks


we are closing on a house next month and mortgage
need to come up with some cheap ideas too!! I have several baskets that i have collected over the years and plan on going to the Dollar Tree and getting "girlie" stuff and filling them up for around $5-10 each, depending on size. My family knows this year is going to be hard on us, so that helps!
Did you talk to a bank or mortgage company and see if you can get pre-approved? Seems
s
Make sure you have copies of all important papers, addresses for mortgage, insurance, etc.
s
I think so many companies are just trying
to cover their but so they won't be sued. I once read on a stroller a tag that said do not collapse while child is in stroller. LOL
We tried one of these companies

and it was supposedly a "reputable" one, recommended highly by just about everyone.  Searched online, you name it.  Thought I did my homework pretty good.  Well, they were a rip off.  Thankfully I kept logs of everyone I talked to about what and when, etc.  They screwed up several of my accounts, didn't pay them for almost 3 months (even though they received payment) and none of my interest rates were adjusted.  I contacted one of the lawers for the cc company that was handling the collection at that point since my company failed to do so and they said that this was a very common thing and that they really did not like to deal with companies like that, would rather deal directly with the person. 


Good luck to you though, sounds like you actually found one that does some kind of work. 


So you are saying you do not like insurance companies????
 Belly 
Insurance companies always get --
past medical records, no matter what insurance company you apply with. Once they get the records and the diagnosis is documented on your record, it is considered a preexisting condition.
Yep. OIl companies don't like the price low.

They cut production to get the prices up again. If we're not _____ by the oil nations, we're ____ by the American oil companies. G-R-E-E-D is the name of the game in the last few years.


Government tells us to cut our driving. Well, I hate to tell them but between a pickup and a car, we drove a total of  5,838 miles last year, and most of that mileage was 100 miles a day for DH to go to work. I get to the store once a month anymore, 2 mile round trip. The only thing I can cut down on is to walk to the store and back. Been there done that, but I'm no spring chicken and carrying 5 bags or more, well....you'd see a bag every 100 feet.


 


Mystery shopping companies
Mystery shopping...Has anyone done any work with reputable mystery/secret shopping companies???
no different than amer. companies offshoring.....sm

I don't see how it's any different that american companies are hiring illegals here versus american companies offshoring (which I detest) because the issue on either side is -- bottom line - the dollar -  and what American employers are willing to pay today...........and in either case, we are all losing our jobs to foreigners (whether they are legal, offshore, or illegal workers).


just my opinion.........


He ought to add the MEDICAL TRANSCRIPTION companies
8
Really now. Do you think MT companies really care? I wear
xxxx
As an IC, I don't think they are allowed to have you on a set schedule. Other companies have
gotten in legal trouble because they were treating ICs as employees. With my IC job, I let them know when I can work and, if they need extra help, they will call and ask if I can do more, but they do not TELL me when to work.
I feel sorry for companies. With all the PC nowadays,
They'll be slapped for saying Christmas...they'll be slapped for not.

I agree -- people should be far more tolerant than they seem to be. I'm a Christian but would not be offended if anyone sayd Happy Kwanza or Hannakuh or Happy Allah Day or whatever!

However, in the interest of keeping politically correct and not being offensive to everyone, they resort to the measures you brought up.

I think we should make sure and not be as sensitive about the word Christmas not being used as those we are complaining about are to it being used. We don't want to be viewed as oversensitive, critical or ugly as they are.

As religion really is a personal choice, we should remember that keeping it alive in our personal lives is what is so important.

JMHO
Like if you diss AAMT, certain companies, -
management, etc. or even if you write some perfectly good words that aren't cusswords, you either get that "bad word" thing, or get booted out altogether.
Obviously your on the side of insurance companies
Maybe you should educate yourself on insurance company profits rising via higher premiums despite more claims being denied due to risk.  The problem is not the supposed risks, its the corporate greed.  No matter how much you pay for insurance, a sizable portion of it goes to salary someone to find (and legislate)loopholes so they won't have to pay anyone's claim.  Go ahead and buy into their propaganda that its other customers causing the problem, not their CEO's new mansion or their profit margin.  Then see how much they appreciate your loyalty next time you file a claim.
spyware? Sounds like what companies use
to shadow in to fix technical problems. Also, many services and hospitals have this ability to keep tabs on their work/workers. I had one use it to break in and type a message to me when they needed a stat.

but, sounds like your hubby needs to take up golf or something.
I agree with trying to negotiate with the CC companies

yourself first. That's what I did. We had a medical problem and we went from paying on time for years to 90 days behind in 3 months. We wound up living off the cards...which is an absolute no-no, but couldn't be helped, and wound up with $45,000 in CC debt.


 I called them all and they all have programs for hardship cases. They set up payments for you which are lower than what you would usually be paying and they lowered my interest rates again (in the good times, I was paying 9%) from 19% to  21% down to 9% again and one company even lowered my interest rate to 6%!


They automatically take the money from your account and you just have to remember to keep the money in there.  Payments are much lower since they lowered the interest rate and all the cards will be paid off in 4 years.


One company did close my account, but none of the others did. I haven't used a credit card for 2 years and most of the cards I had for 10 years.


Hope this helps and good luck. There is light at the end of the tunnel.


The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).

The link below has a synopsis of the new rules that will take effect next year.
Those companies you listed at non profits

All of those companies you listed are non profits as described and accepted by the IRS.


I'm afraid you're going to be out of luck with your animal rescue lady, unless she reorganizes as a non profit, or makes you officially part of the company.


But, DON'T TAKE MY WORD FOR IT.  Check with your tax person, or if you can't reach her, find another tax person.  Call H&R Block.  There may be some loopholes that you can use to get the deduction.


 


sorry - Only helps the big formula companies make $.
Toddler nursing is a normal! The criticism of a 22 month old breastfeeding is just a reflection of people's anti-breastfeeding attitudes.
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
Sounds like offshore companies.....aren't
xx
millions called their cable/tv companies...

There are companies that specialize in refacing cabinets
Veneer is tricky stuff to work with. If none of it is chipped off, you might be able to glue it back down. But if it's chipped, there's not a whole lot you can do except use wood filler to fill in the gap and paint all the cabinets.
Actually I guess all the internet companies are going to be doing the same thing. nm
:
Yes that angers me, but are your companies not categorizing it correctly? sm
My DH gets bonuses from time to time and they are tax free. I always thought gifts and bonuses were just that, nontaxable, not to mention the tax write off for the company contributing or did that change somewhere over the years?
I agree - insurance companies are in it for big bucks (sm)
Even if they made the obese pay extra they wouldn't give the rest of us a discount anyway. Who are you kidding? Do you really think they are on our side any more than the pharmaceutical companies? Do you know much about managed care and how it affects our industry? Insurance companies make a mint and they try to share as little of it as possible.
Pharmaceutical companies have lobbyists in Washington
and there job is to make the company wealthier at it appears any cost.

Israel's #1 export is pharmaceuticals. 4th is weapons.

Conspiracies to make men richer are nothing new. Medications are sold at a fraction of the price to other countries but in the U.S., the patients' cost is enormous comparatively speaking.

Medicare plan D or K, whatever it was that provided pharm. co. with an increase in medicare payments to drug companies approved by Bush is an example of why govt and pharm. co. do not have the patient's best interests at heart.




I have a friend who does this regularly. I am on-call for a few companies locally and sm
am awaiting my next assignment. For the poster below who stated if it's too good to be true...This is a very legitimate business, not a whole lot of money to be made, but legit and fun too. You just have to write down every single thing you've witnessed and check off boxes if a survey is included in the shopping and/or eating experiment.
WalMart also contracts out companies they know hire illegals. There was

not too long ago.


No wonder more companies are hiring people from India, at least they work.
.
You just nailed it. Companies hire illegal immigrants.
zz
China bailed out some large US companies. I guess we are
nm
Anybody see the new thing now that internet companies including Comcast are going to monitor monthly
internet usage.