Whether you can get approved to refinance a stated income mortgage today depends to some extent on the reason you took out such a loan in the first place. If you needed one because you just didn’t want to deal with complex self-employment forms, or your business didn’t yet have a two-year track record (and [...]
...Read MoreThe Home Affordable Refinance Program, or HARP, was created to let creditworthy homeowners who have too little equity to get a home loan through normal channels refinance to the best available mortgage rates. To qualify, you don’t have to demonstrate a financial hardship–in fact you should not be in default on your mortgage. To refinance [...]
...Read MoreToday, conforming loans are very different than they used to be. Fannie and Freddie have been taken over by the government, and the government doesn’t want them getting silly with taxpayers’ money (any more). So, they have implemented what is known as risk-based pricing. Risk-based pricing is similar to what your auto insurer does–if you [...]
...Read MoreDebt management and debt consolidation are both tools that can help make your debt more affordable. In fact, debt consolidation can be part of a debt management strategy. Here’s how.
Debt Management Techniques
Debt management usually involves making a monthly payment to a debt management or credit counseling company, which then divides the payment between your unsecured [...]
Are you sick of all the advertisements proclaiming that interest rates are under 5%, when you can’t get anything lower than 6.5%? Jumbo lenders feel your pain, and there may be a way around it.
Your Big Fat Mortgage Refinance
What can you do to get a lower interest rate today on a jumbo mortgage?
First, look up [...]
The best debt solution for your circumstances depends on a number of things like your income and expenses, your outstanding balances, your employment, and residential status.A debt management plan is an informal debt solution that may also involve budgeting and debt consolidation. The best debt management involves counseling and learning budgeting skills, so that you [...]
...Read MoreA traditional refinance, a Home Affordable Refinance Program (HARP) refinance, a Home Affordable Modification Program (HAMP), or a non-government modification–these are all options for improving your mortgage interest rate. But which is right for you? The HAMP program offers the best deal if you qualify–think of it as a refinance with a rate as low [...]
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