Join 3,512 readers in helping fund MetaFilter (Hide)

63 posts tagged with mortgage and refinance. (View popular tags)
Displaying 1 through 50 of 63. Subscribe:

For Richer, not Poorer: forcing Ex to refi or sell to pay money owed

Basically, he needs to pony up $23k a year ago and it doesn't look like he has any intention of doing so. [more inside]
posted by Mysterious Trousers on Aug 5, 2014 - 7 answers

What should I do with my house and mortgage?

I have never refinanced my house, but am weighing that vs. investing my money elsewhere. Please advise. [more inside]
posted by deern the headlice on Mar 22, 2014 - 12 answers

Should I walk away from this mortgage?

My ex-boyfriend and I own a home together that he is currently still living in. We're underwater on the mortgage and he doesn't make enough to cover the whole payment. I've been paying half of the mortgage since the breakup in order to buy time and figure out a plan. But I'm at the end of my rope both emotionally and financially, and I'm wondering if there are any options left or if I should just stop paying. [more inside]
posted by fanta_orange on Nov 26, 2013 - 31 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

Refinancing fees

The good faith estimate for my refinance included government recording charges $X, and title services/title insurance $Y. In the settlement statement, it turned out that the government recording charges were less than estimated, so the lawyer's office just increased the other fee so the total amount is still $(X+Y). Is this standard practice, or kind of a dick move? [more inside]
posted by Behemoth on Feb 14, 2013 - 7 answers

If it sounds too good to be true, it usually is.

FHA Streamline Refi. Is there a catch? It feels like there should be a catch. [more inside]
posted by gnutron on Dec 6, 2012 - 14 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

Borrower beware

Refinancing our home and caught our lender padding their fees with questionable stuff; what else should we be on the lookout for? [more inside]
posted by werkzeuger on Sep 6, 2012 - 4 answers

Mortgage math is hard.

Please help me understand this mortgage math. [more inside]
posted by rabbitrabbit on Aug 29, 2012 - 15 answers

Mortgage broker On the Level?

Is my mortgage broker drawing out the process on purpose? Is he getting paid now or is it a commission type business? [more inside]
posted by Kazimirovna on Jul 27, 2012 - 7 answers

Should I refinance?

Is a refi just to get rid of PMI worth it? [more inside]
posted by murfed13 on Jun 1, 2012 - 14 answers

But the mortgage worked the hardest of them all

What do you wish you had known about mortgage refinancing?
posted by LonnieK on May 30, 2012 - 20 answers

The Grass Is Much Greener On the Other Side of June

FHA refinance at the exact wrong time: any recourse? [more inside]
posted by Brak on May 10, 2012 - 7 answers

Questions about refinancing

When I call my credit union they offer me a 4% loan, when I call the broker who found my current loan (but works at a new place), he quotes me 3.75%. The credit union would keep the loan themselves. I have no idea who the other loan is with. Assuming closing costs are comparable, how do I choose between these two offers? [more inside]
posted by OmieWise on May 4, 2012 - 11 answers

A taxing situation

Looking for some tax help ! We refinanced a mortgage last April, going from a traditional bank to a savings & loan. During the process, we also closed the bank line of credit and opened a new one at the S&L. The bank held an escrow, but the S&L does not. My 1099 from the S&L has a modest earned interest amount for the period of April - December, but the bank's 1099 is more than 10x that amount. Is this due to the escrow, or is this a mistake ?
posted by lobstah on Apr 11, 2012 - 5 answers

Do I need to refinance or is my bank just suggesting this because they are trying to help me?

I have inherited a house in Massachusetts that has a mortgage. I am the executor and also one of the beneficiaries. The other beneficiary and I want to assume ownership of the house together. I contacted the bank that holds the mortgage and they suggested that I refinance. I'd prefer not to. I'm not sure if I have to. Do I have options? I have a lawyer and a banker but I'd like advice on how to approach this inheritance issue before I talk to them more about this. [more inside]
posted by anonymous on Apr 3, 2012 - 10 answers

It's what I wanted, right???

I think my ex-partner just walked out on our mortgage. Please help me navigate this new world! [more inside]
posted by anonymous on Feb 21, 2012 - 18 answers

Small mortgage balance refinance?

I need help identifying a lender for a mortgage refinance on a small balance. [more inside]
posted by ferdinand.bardamu on Jan 30, 2012 - 1 answer

FHA Streamline Refinance: Actually Possible for Underwater Loan?

Can I actually get an FHA streamline refinance? [more inside]
posted by Brak on Jan 13, 2012 - 3 answers

How can we reduce our mortgage payments if we bought the new house, *then* sold the old house?

This past year, we bought a house. A month or two later my wife sold her house. We'd really hoped we could sell the house first, obviously, but it was a bad market and we were in a rush get the home (my wife's house was in another state). So now we both have a0 large mortgage and a large chunk of cash. We're trying to figure out what to do now. [more inside]
posted by nosh, daven, shtup on Jan 9, 2012 - 39 answers

What obstacles will I face trying to mortgage a house I don't live in?

What obstacles will I face trying to refinance my mom's house under my name without living there? I've heard that financing a home is "tricky" when you're not the one living in it. Does anyone have first hand experience working around interest rate penalties? Does it matter that the home occupant is a blood relative? Or that the mortgage would be a refinance and not a first-time purchase? [more inside]
posted by JohnG307 on Dec 25, 2011 - 4 answers

What questions to ask about a home loan modification?

What questions do I need to ask before applying for a mortgage modification? [more inside]
posted by anonymous on Dec 8, 2011 - 6 answers

Know of a Credit Union that will keep your mortgage / refiannced home loan?

How / where can I take out a mortgage or refinance a house with a credit union that won't sell the loan to a big bank? [more inside]
posted by unclezeb on Nov 16, 2011 - 13 answers

MeFi, help me ReFi

We're about to refinance our mortgage, and have two questions about assets and income, and how they affect the application. [more inside]
posted by anonymous on Sep 15, 2011 - 1 answer

Dicey Refinance?

Should I attempt a mortgage refinance after long unemployment and only very infrequent freelance jobs or is this opening a big can o' worms? [more inside]
posted by anonymous on Jun 27, 2011 - 5 answers

Is this predatory lending? If so, what can I do about it?

Is this predatory lending? If so, what can I do about it? [more inside]
posted by caroljean63 on May 26, 2011 - 7 answers

Refinancing with a co-signer? Not working.

Refinancing help/ideas please. I can't seem to refinance even with a stellar co-signer. [more inside]
posted by Invoke on Dec 8, 2010 - 4 answers

How can I refinance my house if there are no similar nearby comps?

I wish to refinance my house, but, apparently, there are no appropriate comparisons in the neighborhood. My house still has a value, though, so what can be done now to figure it out so that the refinancing process can proceed? [more inside]
posted by stst399 on Oct 15, 2010 - 7 answers

To ReFi or not to ReFi?

Is it smart to refinance my house now? Very Special Snowflake details on the other side. [more inside]
posted by anonymous on Aug 27, 2010 - 6 answers

Interested in Interest

Please help me think through a financial decision involving a mortgage refinance and an auto loan. [more inside]
posted by BlahLaLa on Aug 4, 2010 - 9 answers

If it's too good to be true...

Why would Wells Fargo call me to refinance to a lower interest rate? What's in it for them? [more inside]
posted by spicynuts on Aug 2, 2010 - 21 answers

Will helping him raise his credit score lower my credit score?

Posting for a friend: I added my then-fiance's name as an authorized user of one of my credit cards a few years ago. We've broken up but still own a house together, and we need to refinance it. He has been told that it will help if he can raise his credit score, in part by having me take his name off that credit card. Would that lower my (good) credit score and affect our refinancing if that credit/debt is all mine?
posted by lunachick on Aug 1, 2010 - 4 answers

How to pick a refi lender?

After a healthy search, it's clear there is lots of interest in refinancing now given the historically low rates - but how did you pick your lender? What question did you ask that sealed the deal or exposed the cheat? [more inside]
posted by NoDef on Jul 17, 2010 - 4 answers

Should my refinance cost this much?

Where do I find a mortgage refinance that doesn't cost an arm and a leg? [more inside]
posted by madajb on Jul 13, 2010 - 15 answers

Refinance or Not?

Refinancing interest rates for a 15 year fixed mortgage are down to 3.75% at my CU. Meanwhile, I'm 5 years into a 30 year mortgage and thinking it might be a good time to refinance. I want to sell my house, but I don't know when I'll be able to since the market for sellers is so depressed. So it makes sense to cut the time nearly in half and reduce the interest rate by a third for about $50 more dollars a month. [more inside]
posted by CollectiveMind on Jun 24, 2010 - 5 answers

Plunging into the refi ocean.

Tell me your refinance success stories. [more inside]
posted by Gordion Knott on May 12, 2010 - 4 answers

Refinance with HARP OK?

Are there any downsides to a HARP (Home Affordable Refinance Program [pdf]) refinance? My wife & I are employed and not behind on our mortgage, but this seems like an awfully good deal. [more inside]
posted by morganw on Dec 11, 2009 - 1 answer

"Buy a condo," they said. "It's the best investment you can make," they said.

Caught between a potentially troublesome mortgage and a bad job. How should I proceed? [more inside]
posted by anonymous on Dec 1, 2009 - 6 answers

Refinance Problem

How can we deal with Fannie Mae/Freddie Mac's rule that, for new mortgages or refinancing in condo buildings with fewer than ten units, one person may not own two or more units if those units are rented out? [more inside]
posted by kim in chicago on Nov 23, 2009 - 4 answers

Are mortgage scams back?

Is this a mortgage scam? [more inside]
posted by n'muakolo on Oct 28, 2009 - 10 answers

Refi-filter: Lowering my monthly payments, but paying more in the long run. Is it worth it?

I'm eight years into a 30 year mortgage, having paid off about 10% of the total amount of the original loan. Does it make sense to refinance now if I can get a rate that is about 5/8 of a point lower than my current rate? This would shave about $250 off of my monthly payments. But then I'll still be paying for this loan for eight additional years after the original one would have been paid off, right? How do I calculate how much additional $$ I'll owe overall, and how do I decide whether paying more later is worth saving money now?
posted by ericbop on Oct 26, 2009 - 16 answers

How flexible are mortgage lenders on second properties?

How flexible is a mortgage lender likely to be on the mortgage for a second home that looks like an investment property? [more inside]
posted by anonymous on Sep 24, 2009 - 1 answer

Math is fun. Mortgage refinance question!

Generally good with numbers; but mortgage refinance has my head spinning. [more inside]
posted by anonymous on Jun 24, 2009 - 6 answers

Why doesn't Provident Lending want my business?

I am in the process of refinancing the mortgage on my home. My lender wants to blow up the deal at the last minute. 1) Why? 2) What are my options? [more inside]
posted by genug on Jun 9, 2009 - 13 answers

How to get a cash-out refinance on a newly purchased property?

Stupid-mortgage-company-filter. Is it possible to get a cash-out refinance on an investment property without going through the 6-12 month seasoning process? [more inside]
posted by walla on May 22, 2009 - 4 answers

Getting the PMI runaround?

Is anyone else getting the runaround on refinancing via the Making Home Affordable Act because you have PMI? Details inside. [more inside]
posted by nevercalm on May 8, 2009 - 5 answers

Should my refinance warrant such a long delay?

Should my refinance warrant such a long delay? [more inside]
posted by anonymous on May 6, 2009 - 5 answers

What is the starting process for refinancing a home?

I've decided it makes sense to refinance my mortgage. I'm going to call the mortgage broker I used for my initial mortgage. a) Where else should I call (and how do I find them?) b) What questions do I need to make sure I ask of everyone? [more inside]
posted by davebug on Apr 3, 2009 - 12 answers

What's bad about FHA loans?

Should I take this FHA refinance, or wait for the new mortgage plan to take effect? [more inside]
posted by RobotNinja on Mar 23, 2009 - 5 answers

Refinance a mortgage mid-term in Canada?

What are the costs of refinancing your mortgage mid-term in Canada? [more inside]
posted by hylaride on Feb 4, 2009 - 3 answers

Page: 1 2