Would it be smart to look into a house?

Dec 032011
 

We are currently living about an hour outside of Cleveland Ohio. In 2003 we purchased our condo for $ 80,000 with a three year fixed and then it went to an adjustable rate. So, last year, we refinanced and consolidated our debt for a new balance of $ 84,000. For that loan, we had our condo reappraised for $ 98,000. Our monthly mortgage payment is around $ 850 plus a $ 100 condo fee. We pay our own insurance and property taxes living in the condo as well.When we refinanced we were informed that if we paid off the balance within three years, we would have to pay six months of interest.

Now we have our second child on the way and would love to move into a new house with a yard and basement! :o ) My question is, do you think it would be a smart move to at least look into what kind of a loan we can get at this time. I am currently attending nursing school so we will definitely have a second income within the next year or two. I just feel like for what we are paying for a condo, we could be liv

erroneous satisfaction of mortgage, refi loan twice?

Dec 022011
 

in 2003, a mortgage loan that was taken out was satisfied by mistake 2 months later for 130k. After six months of trying to explain to the mortgage company that i did not pay if off and they never recinded the mortgage, they sent me a satisfaction of mortgage and also filed it with the county.Since then about a yr. later, i refinanced the home and about 2yrs. later, i refinanced again. After the second refi, the bank was bought out by another financial institution and during an audit, the loan was discovered and they are now trying to recind the mortgage in 2006. Is this possible for them to do this since the property has been refied twice and if so, is there a statute of limitations for filing a summary judgement ?
I have answered 2 summary of judgement requests since 2006 and its now 5 yrs since the satifaction of mortgage has happened and i have never been in court yet.
Would i still be liable for this loan amount and can they sucessfully reinstate a mortgage?

How many real estate brokers should I talk to?

Dec 022011
 
Real Estate
byparttimemusic

I will be buying a house in the next six months. I have a couple of real estate brokers who have been recommended by family friends and colleagues. How many real estate brokers should I be talking to?

I need to know what kind of insurance to buy. I am remodeling a home that will be vacant for six months.?

Feb 282010
 

The cabin is a shell, the need for an inside job done to be done. As I end this week on the property, but must have insurance. I can not use insurance homeowners, because they still live there. Speech I Geico, my suppliers, who have made the construction of insurance. I would like insured thirty yuan, in order to end. I am very confused. I need mortgage insurance, or insurance or real estate business? ? ? 谢谢.

I’m at 0…where do I go from here?

Feb 232010
 

Trying to be more intelligent consumers, my husband and I paid off our debt a few of years ago, and have been living within our means.  Much of the point of this was to improve our credit score, because there were some accounts showing that weren’t well handled by us, and we thought cleaning it up would help.

 

I’m able to get a “credit score” from freecreditreport.com (mid 600′s), but because I have no credit or debt accounts that have been active for the past six months, I don’t have a FICO score.  This means that when my bank (the very same one that gave my my last two loans) runs my report, they get 0 or null credit score reported.

 

What’s the best way to get back onto the grid?  I don’t currently have a need for a credit account…nor do I really want one, in all truth.  But I might some day, and being visible to the agencies who can help me is probably best.  Your input will be much appreciated!

 

 

Woohoo! I got an approval!

Feb 192010
 

I recently applied for a Discover card and was declined. I used the backdoor number for the recon department stickied in this forum and spoke with a lady this morning. I have only a secured credit card through BofA, currently: no other revolving accounts. I have a medical collection that is set to fall off of my credit report in the next six months and it is dragging my score down. Fortunately, the representative was willing to see past some 90 and 120 day late payments from 6 years ago, and able to see that in six months my medical collection would disappear. She approved me, albiet a small credit line, but I’m thrilled! I finally feel like I’m making REAL headway in rebuilding my credit.

 

I know I’m new and haven’t posted much of anything, but I’ve been reading everyone’s advice for over a year and I’m so thankful for everything I’ve learned from all of you here.

Can someone tell me why auto insurance in US starts from 6 months?

Jan 252010
 


I come from outside the United States and would like to know why the standard contract of automobile insurance is the most important, instead of six months a year.

How can I renew my auto insurance in the State of Florida?

Jan 182010
 


I have a six-months policy expires next month, I need for my 2004 Toyota Corolla, full coverage. I’ve never done, any tips or anything I can do my updates in Florida, car insurance, far away?

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