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Can my parents make me a mortgage loan?

Trying to buy a house. Have money for a down payment, but I'm self-employed and was turned down for a traditional loan. My parents are willing to lend me the money I'd need for the balance, and have me pay them back with interest, á la a mortgage loan. Is this doable? [more inside]
posted by toomuchkatherine on Jun 5, 2014 - 12 answers

How to get the best rate on a used car loan?

Looking for more options than just dealership financing [more inside]
posted by Ryogen on May 24, 2014 - 8 answers

Should I pay off my student debt or invest my money? ( Canadian)

Going back to school in September after working for ~ 2 years. I've saved up a bit and I'm wondering how to make the best use of it. [more inside]
posted by winterportage on May 20, 2014 - 10 answers

How will my joint mortgage affect my solo auto loan application?

How will my joint mortgage affect my debt-to-income ratio when I apply for a new car loan WITHOUT a co-signer? (Snowflake details inside.) [more inside]
posted by ilikemethisway on May 5, 2014 - 6 answers

1.85% on 45k student loan - just pay the minimum?

So, I'm selling my house and will have some extra cash, finally. I have a consolidated student loan that after years of steady payments, has come down to a very low 1.85% interest rate. Given the current economic conditions, and an intense desire to have my money work hard for me after years of being in the doldrums, should I up the payment and try to save a tiny bit on interest? Or would it be better to stuff my IRA, or put money into a no-load fund or index? [more inside]
posted by ihavequestions on Apr 11, 2014 - 13 answers

Getting It Gone. Paying Off Student Loan?

I have somewhere around $60,000.00 of student loan debt. Its all one loan consolidated with the US government but managed by a private company called Ed Financial. I would like to try negotiating a pay off for less than what is due. Details and further questions inside. [more inside]
posted by anonymous on Feb 25, 2014 - 13 answers

My New Strategy: Advice on a relatively small student loan?

I have always paid for my school out of pocket. I need to pay for about $3,000 in school fees so I can try and finish my BA. I did the FAFSA, but my school has me on financial aid cancellation because I haven’t made ‘significant progress’ and completed my degree in the time allotted. How do I find a good, reasonable loan so I can get to the finish line and not have much debt? [more inside]
posted by Driven on Jan 23, 2014 - 18 answers

How long should I wait before refinancing my car?

How long should I wait before refinancing my car? [more inside]
posted by Evilspork on Dec 15, 2013 - 4 answers

How do I find the best rate to refinance my car loan?

My credit is good. My loan on my new-last-year Toyota Yaris is awful; the interest rate is absurdly high. My credit union, who issued the loan, doesn't want to help. How do I find the best rate I can get on a refinance? [more inside]
posted by drjimmy11 on Nov 25, 2013 - 17 answers

Any experiences consolidating student loans with SOFI?

I just found out about SOFI, a company/ service that will let you consolidate your student loans - they solicit other alumni to lend. I am not interested in consolidating my federal loans (want that federal guarantee / public service forgiveness option) but I have two companies now servicing my private loans and think this could be a good option for me. [more inside]
posted by ethel on Sep 6, 2013 - 2 answers

Auto loans for not-so-great credit?

Several years ago, I went through a foreclosure, but now I'm 100% debt-free and making great money. Who offers auto loans to someone with a credit score in the low 600s?
posted by xingcat on Sep 2, 2013 - 11 answers

Surprise! Your wedding isn't paid for at all! How to fix/deal?

Funding for our wedding was initially going to be split between family and myself/my partner. It's a month before the major bill is due, and the "family" part dropped out, leaving us holding the bag. We, as it stands, will not be able to make this payment, potentially canceling our wedding that people have already bought plane tickets for. Help us either fix this, or deal with the emotional fallout both in our relationship and outside it. [more inside]
posted by anonymous on Aug 20, 2013 - 77 answers

How to stop a collection agency from calling on a loan it doesn't own?

My girlfriend is continually being called by a collection agency, NCO Financial, on a student loan that we don't think they actually have the rights to collect on. How can we get them to stop attempting to do so? [more inside]
posted by Carillon on Jul 26, 2013 - 12 answers

Payday loan suggestions

I am going to get a payday loan in the amount of around $1000. (I know, with complete certainty, that I will be able to pay back the loan and interest within ten days.) Can anyone offer advice on this process, particularly online payday loans? Are there more reputable sources that I should work with? What should I watch out for? [more inside]
posted by anonymous on Jul 19, 2013 - 15 answers

Car: cash or credit?

Does it make any sense to finance a car if you have the means to buy it outright with cash? [more inside]
posted by falldownpaul on Jul 1, 2013 - 28 answers

Loan Etiquette?

When is it too late to increase the amount of a consolidation loan request? [more inside]
posted by R2WeTwo on Jun 24, 2013 - 2 answers

private loan (<$100K) for an international business in the US

Are there any lenders in the US that fund small businesses in Asia? [more inside]
posted by savitarka on May 24, 2013 - 3 answers

Applying for home equity loan while changing jobs

We are about to apply for a home equity line of credit. The guy at the bank already ran our credit and verified rates and eligibility. I'm also about to change jobs. What should I do about the loan? [more inside]
posted by chickenmagazine on May 21, 2013 - 3 answers

Can loan security be conditional on bankruptcy or death?

Is it possible to write a loan contract which effectively secures the debt against the borrower's property only in the event of bankruptcy or death of the borrower? I.e., as long as the borrower is in control of his financial affairs the lender has no right to the secured assets even if the borrower defaults, but if the borrower dies or goes bankrupt the security kicks in, so that the debt has priority for any third-party trustees managing the estate? [more inside]
posted by Estragon on May 17, 2013 - 4 answers

Defaulting on a loan

I am paying back student loan debt that I no longer can because I'm back in full-time education and am not making nearly enough ££. [more inside]
posted by anonymous on May 10, 2013 - 7 answers

Should I refinance my car loan immediately?

At the car dealership today, they ran my Equifax credit rating and I have an 815, they then offered me a Zero-to-Sixty simple-interest loan for USD$9000 with a rate of 5.04%. Should I refinance with another company? [more inside]
posted by shipbreaker on Apr 20, 2013 - 22 answers

So... I need to get to work somehow, right?

How do I go about getting a car to go to work? [more inside]
posted by Rubbstone on Apr 18, 2013 - 7 answers

Must have been one helluva loan

In a nutshell; how much does the USA owe for "debt incurred in past wars", are there easy to understand figures for which wars specifically, and who does it owe it to? [more inside]
posted by Wordshore on Apr 6, 2013 - 7 answers

Consolidate debt with Stafford loan?

I am a "mature" student, studying at a university part time while working full time. I just learned that I qualify for a Stafford loan of about $7400. I don't need the loan to pay for classes because of my work income, but it occurred to me that I could take the loan, use it to pay off credit card debt I carry at a rate of interest more than 5 points higher than the Stafford loan rate, and then pay the Stafford loan off early. Essentially, debt consolidation using this federal loan. My questions: is this kosher? Is it wise? What I might not be thinknig about.
posted by anonymous on Mar 28, 2013 - 13 answers

Real Estate & Mortgages in Boston

I'm having a really hard time finding a reputable mortgage broker. The property is in Boston, MA, but I'm willing to work with someone in another state. The most important thing is that they're not slimy or condescending. Can you recommend someone in my area? Anyone to avoid?
posted by barnone on Feb 26, 2013 - 6 answers

How is PMI on a loan calculated?

How is PMI on a loan calculated? [more inside]
posted by skrozidile on Feb 14, 2013 - 3 answers

Trying to Be Smart

Unusual combination of pending unemployment, upcoming (home equity and car) loan needs and a long boat ride requires the mefi thinktank for logistical scenarios and a bit of education about said loans. We are looking for the smartest approach to the coming year and could use more brains in the mix. [more inside]
posted by anonymous on Jan 12, 2013 - 7 answers

Is my mother potentially complicit in fraud?

My generous, trusting mother was conned out of tens of thousands of dollars (gradually) by a good-for-nothing young cousin over the course of a few years. When my mother ran into financial trouble last year, she sought repayment of these "loans." The cousin insisted that she didn't have to pay back a cent and promptly disappeared. She reappeared last week with a very large check, written directly to my mother's bank, and written by some random guy. I'm worried that the cousin has simply conned somebody else ("please, my home is being foreclosed on, I really need this loan, you can even write it directly to the bank") to cover part of her debt. She isn't talking, and my trusting mother is angry that I'd suggest such a thing. (So a lawyer is out of the question.) Is my mother potentially complicit in fraud by depositing this check?
posted by anonymous on Jan 11, 2013 - 15 answers

I loaned some money to a person that I shouldn't have...now what?

I realize that YANML but I find myself in a dilemma and I'm not sure how to proceed. [more inside]
posted by masters2010 on Jan 7, 2013 - 13 answers

How to trade a vehicle, for a vehicle, for trade in.

Should I trade my rebuilt title vehicle for any other vehicle, just to get an increased trade in value? [more inside]
posted by NotSoSimple on Dec 31, 2012 - 10 answers

To apply as co-borrowers or not?

My girlfriend and I are trying to get a home loan together. She has good credit, mine is apparently less than good (we were already denied by one lender). Is it possible to apply for loans using only her name, but still include the income I would contribute? Is this a terrible idea?
posted by mumblingmynah on Dec 27, 2012 - 19 answers

Please evaluate my brother-in-law's plan?

Brother-in-law wants a loan to start a home-based business. Please evaluate if his plan seems profitable? [more inside]
posted by 99percentfake on Dec 26, 2012 - 35 answers

Building Credit

Worried about how I'm going to take out medical school loans without a cosigner in two and a half years. [more inside]
posted by squirtle on Dec 16, 2012 - 16 answers

Financing a renovation of a house in a different state?

How to finance home renovation? I am an absentee co-owner of a property on the West side of Portland, Oregon. My brother and I own it outright, but I'd like to make a plan on the finances of improving it. Neither owner lives in Oregon. Cry me a river, right? But I need help. [more inside]
posted by Glomar response on Dec 3, 2012 - 3 answers

How can I make a loan to a friend work?

I'd like to loan someone some money (a few thousand dollars). A friend needs it to finish school, and they don't have any good, low-interest options. I don't mind losing the money and forgiving the loan if they fall into hardship, but it would be a financial blow that I want to avoid; making it a straight up gift from the getgo is not appealing. Is it possible to have a bank or credit union draw up the loan and service it for a flat fee? Any other ways to make the whole thing impersonal, legal, and low-hassle for me, while keeping it forgiveable at my discretion without impacting my friend's credit? [more inside]
posted by jsturgill on Nov 30, 2012 - 21 answers

Recommend a 401K plan which permits borrowing.

Please recommend a 401K plan for a single person business that permits borrowing. [more inside]
posted by portabella on Nov 24, 2012 - 8 answers

Take a loan from my 401(k) to pay off my student loans?

Take a loan from my 401(k) to pay off my student loans? [more inside]
posted by bananafish on Oct 22, 2012 - 15 answers

How do I avoid defaulting on my student loans?

I have a little more than $30,000 in "Stafford" federally subsidized student loans which have been in forbearance and/or deferment as I have been unable to find steady work since I finished school 3.5 years ago. At this point I am flat broke, living off food stamps and credit cards, and it appears my loan servicers are no longer willing to grant me further forbearance. What are my options? [more inside]
posted by anonymous on Oct 17, 2012 - 15 answers

HARP: good deal or not?

I have a mortgage that is perfectly healthy. Should/can I do a HARP refinance on it? [more inside]
posted by miyabo on Sep 27, 2012 - 9 answers

Options for grad school loan?

I'm about to bite the bullet and get a student loan. Help me out/talk me out of it/give me a better option. Special snowflake stuff inside. [more inside]
posted by zardoz on Sep 20, 2012 - 16 answers

Does the internet contain a trustworthy loan interest rate aggregator/advisor?

How do I find out what constitutes a "good" car loan for a given set of circumstances? [more inside]
posted by contraption on Sep 16, 2012 - 2 answers

Is loan protection insurance a good thing?

Is credit protection insurance a good idea? [more inside]
posted by sevenyearlurk on Sep 13, 2012 - 14 answers

Can I return a new car?

We bought a new car last week. I want to return it... [more inside]
posted by 3dd on Sep 9, 2012 - 11 answers

Property's cheap, people need rentals - how can I make money?

Is it possible to purchase a home with an FHA loan, rehabilitate it, and then rent it out? Also - what's it like to make an independent entry into the rental home market? [more inside]
posted by speedgraphic on Jul 23, 2012 - 14 answers

Divest or encourage me with my fantasy!

Lickety-split, down and dirty house-buying advice needed. [more inside]
posted by mibo on May 29, 2012 - 15 answers

How can we avoid not getting our car repo'd?

I have managed to bungle my bil's car loan, and I fear it will be repossessed. Can someone give me some advice? YANAL, YANML, this is not legal advice, etc, etc. [more inside]
posted by anonymous on May 24, 2012 - 6 answers

Should I get a U.S. Dept. of Education Special Direct Consolidation Loan?

Should I get a U.S. Dept. of Education Special Direct Consolidation Loan? [more inside]
posted by scose on May 19, 2012 - 7 answers

Lottery strategy or madness?

The current Mega Millions is valued at $500,000,000. I have (I think) a logical idea for the best way to maximize the "payment" option of the payout. More inside..... [more inside]
posted by lattiboy on Mar 28, 2012 - 31 answers

Help me avoid defaulting on a bank loan and ruining my credit score in the UK

Large debts, and I'm about to default on a bank loan. Panic ensues. (UK filter). [more inside]
posted by anonymous on Mar 9, 2012 - 9 answers

Help me get my money?

How do I go about collecting money owed to me by a friend? [more inside]
posted by anonymous on Feb 27, 2012 - 15 answers

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