Need someone to help refinance home in the San Francisco area
August 30, 2014 12:11 PM Subscribe
I'm separated and my wife has the house and has to pay all expenses on the house including loan payments. I went through getting the loan adjusted once, which helped for a while, but now she's behind again. She isn't doing anything herself and hasn't asked for help, but my kids live there too, when they are not with me, But I'm having trouble getting motivated to help out this time. So I'm looking for someone who can deal with the banks to get a refinance.
The first time it almost went into foreclosure. It had a reasonably high interest rate loan, so I tried to get a new loan for her, but because of the almost-foreclosure, and because this was right after the housing collapse, no loan came through. Finally I applied for a HARP loan adjustment, and got one (after a major battle). But the interest only went down a tiny amount (and it became an adjustable rate-- for this the bank got a reward payment from the government. What a taxpayer ripoff!)
So, once again, years later she's falling behind again. My name is still on the house and I found out that somehow my credit rating is excellent, so I'm thinking of reapplying for loans again. The house is worth twice the value of the loan. Even the issuing bank has a program for adjusting loan payments (though I doubt they'll do it, given the battles I had with the HARP adjustment).
The problem is that this time I'm just not motivated to deal with the banks again. She hasn't asked me to do it and she should really be doing it herself. And every time I start working on it, she invariably does or says something really mean or vindictive, and I lose motivation and just put it off. I'm thinking if I can get someone else to deal with the banks and paperwork, it will actually get done.
So I need someone who can fill out the forms, deal with the banks, maybe know where it can be refinanced given our weird situation (which bureaucratic banks can't deal with). I'm not looking for someone who is a loan representative looking to make a commission on their particular loan. I want someone working for me, not for the bank!
Does anyone know anyone, that has references, that would be good at doing this sort of thing? I'm not sure where to look.