Are we able to refinance mortgage?

Are we able to refinance mortgage?

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?

Related :

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?

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“”What is the purpose of having Good”””” credit or credit at all?””””

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Getting Auto Loan with Low Credit History?
My husband would like to get a auto loan with his income only since I do not work. We are pretty unsure as to what his chances are at getting a loan since he has limited credit history. He makes decent income(about 50,000 a year) and he has had the same job for 6 years. However he has a mortgage under his credit that we have had for one year now, a credit card he’s had for 6 years but only 500 limit, and another credit card he just got a awhile ago with a 7,500 limit. He has no credit card debt and he has a excellent payment history on credit report for past 5–6 years.The only debt showing under his credit report is his mortgage. He has never had any installment loan before, this auto loan would be his first. We would like to get a car for 10–13k and we have about 30%-40% down payment. Are his chances any good for getting a auto loan? We know going through a credit union would possibly be a better interest rate but what are his chances of getting financing through the dealer?””
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I just file bankruptcy not long ago and just wondering if its harder to get a home loan?
I had file chapt. 7 and had business related debts.
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WHERE DO I GET A FREE CAR REPORT?
free, no credit cards needed i need the truth about my truck””
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“”Victim of Identity Theft, How do I get the accounts removed from my credit report?””
My daughters fiance just got a letter in the mail from a collection agency last week. He is 22 years old and has never had nor has he ever applied for any type of credit. The collection agency says it is for a loan from 2008. I had him go to annualcreditreport.com and get his free credit reports. There are two accounts listed as charge-offs from 2008 (I am having trouble finding out exactly what they are but it appears one is for a credit card and the other must be the loan the collection agency is calling about.) The point is neither one is his. It turns out that his stepmother and his father used his social security number and opened the loans, they admitted it. They also have a combined cable/dsl/phone service in his name and they owe $748. He has went to the sheriffs office and we have a copy of the police report. I also had him file a complaint with the FTC. My question is who do I need to send copies to to have this information removed from his credit file, the credit bureaus, the people reporting or both? Also what do we send copy of the police report and any other information that we have? Thanks to all who answer””
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How can I get a loan with bad credit?

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Found a AMAZING home… Cash only OR rehab loan?
What exactly is a rehab loan? Does it include the price of the home PLUS the amount needed to fix the home? Can you still offer less than what they are asking for the home or do you have to pay full price with a Rehab loan? Thanks! *The home is valued at more than twice its list price- once the renovations are complete.
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Which company will give me the best auto loan rate?
I am looking for a car loan and I am wondering which company will give me the best auto loan rate?
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What site can i really truely get a FREE credit report?

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Why would I be told that my free online credit report would be mailed out in 10 days?
Why would I be told that my free online credit report would be mailed out in 10 days? I wanted a free credit report from online as advertised.
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“”When Getting A Loan, What Percent Of Your Monthly Income Needs To Be Excess?
I’m Sure There’s a Proper Term For (Excess Monthly Income). I’m Trying To Figure Out If I Have What It Takes To Get A Loan. Would 27% (With The New Loan Figured In) Be Enough?
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Paid off auto loan..how long till it shows on CC report?
Trying toget another car, but my score is a 680…so I figure once the auto loan I paid off showes up on my CC report, my score will go up. How long should this take?””
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Should I file bankruptcy?
I’m 21 and should graduate from school next spring. The first couple years in school, I went crazy with credit cards. I now have about $6000 in credit card debt. Soon after I graduate, loans will be piling since I’ll have to start paying back my student loans. I am working 2 jobs right now while going to school full time to try to lower my credit card bills. With the ridiculous interest I’m paying (I took out a cash advance for a family member who I assume will never pay me back), the bills are not getting any lower. I have been making my payments religiously and pay more when I can. I called the banks and asked if they have any options to help me since I’m having some trouble, they said that I have been doing a good job making payments and I guess they only help people when they start to miss payments. I really don’t want to see my credit in the toilet (although it probably is already) but I really don;t know what to do. Almost all the money I’m making right now is going straight to credit card companies. I was hoping to consolidate the bills but I can’t qualify for a consolidation loan. I’m really stressed out about this. What should Ido?””
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Do i get any tax breaks while in chapter 13 bankruptcy?

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“”Bankruptcy, Filling chapter 7. HELP!!!?””
My best friend is in deep debt and I think that the best way to solve his problems is to file for chapter 7. he has a student loan for 65000, 15000 on credit cards and he had the great idea to buy a big working boat for 15000 and like another 20000 in equipment also for his new company that never even open because he found out after all the big buys that the insurance that he had to pay was over 100K per year!!! now he is stuck with an unsellable boat, equipment hard to sell and if he does, he will lose 70% of the money. After all these buyings he had the next great idea to quit his job to start his own business and of course now nobody will hire him and he has been using his saving to do minimum payments on the credit cards. I forgot, he bought the boat and equipment with credit cards also!!! he is currently living in the boat as he cant even afford rent. Now the question is, if he files for chapter 7 can he get away from the student loan and all the other debts? he is planing to go to central america with the boat after that an work making crappy money but he wants to start over from zero. he is not a bad guy and i know he was just trying to start his own business and all that. he even has a perfect credit score still as he always was trying to do everything right. he just took the wrong decisions. What do you people think is the best action to take?””
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What is Salute credit card by Visa’s phone# & email/address?
Heere is the BIG problem, since I just recently recieved my new card, I have misplaced it and that’s why I need their email or phone# to contact them on what to do now? Can’t put the card in a ATM without having the card! Please help me. Thanks, Dyann””
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Where to find free credit reports?

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What happens after you’ve been approved for a loan?
so if you apply for an auto loan, and are accepted, what’s the next step? Once you are accepted, are you automatically bound to the loan, or is there final paperwork which must be taken care of first?””
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888 Payday Loans Reviews Please?
Has anyone ever used 888 payday loans? I need $1000 within 24 hours for fixing my car. Do I have to fax the document to 888 payday loans? Is it fast approval? If you have another cash advance that offer instant approval and secure application. Please kindly tell me.
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Can a new car dealer raise your interest rate after you sign papers and take the car off the lot?
I purchased a new car signed all the papers and took the car all weekend. They then call me on monday and say I have to come back and resign becasue they were going to have to raise my interest rate. Is this legal, is there anything I can do?””
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Any place that will give an auto loan to anyone with credit score of 465?
You name it, it is on my sisters credit. Repo, past due credit card bills, hospital bills, etc… She really needs an auto loan for at least $5000.00.””
“”
“”A question about asset disposal”””” before bankruptcy?””””””
I am considering an IVA or bankruptcy in the UK prior to emigrating to New Zealand. Although I have a lot of debts I currently have some fine wine worth about 20,000. If I want to get to NZ all of the visas, medicals, assistance from an emigration agent (which I need because of complications with my circumstances), flights for my family and I, and one month’s income up front in NZ to get us started and pay rental deposits will come to about 13,000. The other 7,000 we would hand to the Official Receiver or trustee and we would arrive in New Zealand with nothing but suitcases with clothes in them. Would using that 13,000 expenditure be seen as an unreasonable disposal of assets prior to bankruptcy?””
“Are we able to refinance mortgage?

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?

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#repost

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#repost

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Finance 101 Mortgages?
Which of the following is NOT true about Mortgages: — Mortgages always have a fixed nominal interest rate — Mortgages are examples of amortized loans — The principal payment in an amortized loan is the residual balance (meaning the difference between the total payment and the interest due) — The ending balance in an amortized loan contract will be zero
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Fha loan or tax credit advance?
Should i go with FHA loan with 3.5 percent down & 5.25 interest rate or TAX credit advance loan in which i will pay down payment at the end of year when govt will give me 8k tax credit but the interest rate with this program is 5.62 percent.
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#repost

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How can I get a car with poor credit?
I have a poor credit history, but have paid things up over the past few years and recently been accepted for a couple of high interest credit cards to help repair history. I have a well paid job and want a good car. I can afford the monthly repayments easily, but don’t think I would be accepted for credit through my bank or through a dealership. Are there any other options? Thanks in advance.””
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#repost

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Should i file chapter 7 bankruptcy?
Should i file chapter 7 bankruptcy? I have 9,000 in credit card and own 8,000 on a car worth 3,000. I lost my job and am falling behind on payments. Should i wait till i get a job and pay it off or should in just fill bankruptcy. I want to get rid of my car if i fill will they take it?””
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How can I SAFELY get my most recent credit score on line?
I have a history of bad credit, Ch 13, etc. I would like to check my score, but am afraid to do so on line; any suggestions for a safe site to do this with? Are there any safe, free ones? And, any suggestions on how to improve it once I see that it is still REALLY bad? lol””
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Has anyone had any luck getting a person-to-person auto loan from Capitol One with poor/bad credit?
I have heard that Capitol One approves auto loans for people with poor credit for purchases from a private seller. But I don’t want to apply and get denied, which will damage my credit even further. Can anyone give me any ideas about this or know of any companies that are guaranteed to give bad credit auto loans to people who want to purchase from a private seller, not a dealer?””
“”
“”If you file for bankruptcy, can you be fired from your job because of that?
?
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How do i get out of my fast auto loan since i have paid to them more than the care is worth now?
how do i get out of my fast auto loan since i have paid to them more than the car is worth now?
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Payday Loan?
why do payday loan companies say no credit checks, apply if you have bad credit….everyone i try i get refused???””
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#repost

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Is there a way to re-apply for the Emerald Advance?
H&R Block gives out Emerald Advances every year. I went down there last year and was approved for a loan, and never had received one before. I made only 8,500. They said you had to make at least 10000 to receive it. I also was only expecting a refund of 4507 last year and received it. I went do to the office today to try and get the Emerald Advance. I made 9819 dollars this year and are expecting a refund of 4600. I was denied this year. They told me it was due to not meeting the projected income eligibility requirements. I called the bank, they told me the same thing that the lady at the office told me. I called the 1800 number for H&R block itself, and the Representative couldn’t tell me why I got denied. But I noticed a mistake I had made. I over looked a pay stub and gave the lady the wrong one, missing almost 500 dollars worth of income. Which would bring my grand total up to 10,290 dollars. I am curious as to if, I can re apply… and if this would better my chances. Because, after all they did say you had to make at least 10,000. But it wouldn’tt make sense as to why they would approve me last year with only 8500 dollars worth of income and then turn around and denied me this year with 9819. I dont know… I dont know if I can re-apply.””
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If my husband files chapter 7 bankruptcy….?
The debt is 100% in my husbands name and most was brought into the marriage. We talked to BK attorney’s and I do not have to be included in his BK.
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Refinance auto loan with chase bank?

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“”If you are a banker and expect interest rates to rise in the future, would you want to make short-term….?””
If you are a banker and expect interest rates to rise in the future, would you want to make short-term or long-term loans?””
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Will closing a credit card account voluntarily affect your credit score?
I had heard that closing a credit card account volutarily will not impact your credit score, is this true? All answers appreciated.””
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#repost

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What is meant by an unsecured bank loan?
what is an unsecured bank loan?
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Is 72 month car loan a good idea?
I am thinking about purchasing a new car in the near future. I am getting either a new Mitsubishi Lancer or a new Toyota Tacoma. Anyway, the only way I can afford either of these cars is through a 72 month (6 year) car loan. I am 19 years old and have excellent credit. How hard will it be to get a 72 month loan and is it a good idea?””
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Free credit score/report?
Thanks for your help everyone…but I wanted my credit score too.
“Are we able to refinance mortgage?

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?

“
#repost

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Apply for Credit Card — 17 Years Old?
Hello, I am am 17, and I would like to get a few credit cards. Not to buy things, but to grow my business. I do Search Engine Marketing, and I need all the money I can get to get my business going. I can just pay for all expenses from my personal funds, they don’t need to know I am using it for a company. I would like to get my credit going, but I would not know how to to do this. My mother has 2 credit cards, and her credit score is 800, perfect. Would it be a good idea to add me to her credit cards, and bank account so I can get her perfect credit? From there, I would apply for a credit card myself? Now.. I would like a credit card that I would be 100% liable for under all circumstances! Now, I would need a credit card with a limit of like 2K+. However, I don’t have a ‘real’ part or full time job, so I don’t know how I would prove that I make money to pay back my bills. I also don’t care about interest rate! Since I have a 15% ROI. Thank you for any information you may have””
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Are there any legitimate debt consolidation places?
I have massive credit card debt. I don’t blame anyone but myself for this. However, the interest rates on the cards has gotten ridiculous. I have never missed a payment or been late, but my simple debt, meaning my debt to income ratio, precludes me from getting a normal loan or new credit card to which I could transfer some funds. All my cards are maxed out as well. Again, I could site the bad economy and poor job market, but ultimately I ran up this debt. The monthly bills for the CC’s alone represent a third of my pay. My debt to income ratio is 100%. Meaning that I make just enough money to pay my minimum payments. But at this rate, I will be paying my bills off forever. Are there any legitimate debt consolidation places out there that can help. My credit is extremely important to me, hence the reason I have never missed a payment or was late on one. I do not want to declare bankruptcy or do any kind of consolidation that puts a black mark on my credit. I own a home now, but because of the realestate crisis, I’m under water with that as well, so an equity line consolidation is out of the question. I don’t think that I am so out of the ordinary. I feel like I’m in the majority of americans suffering in this economy. So, can anyone help? Are there any hardship loans or consolidation services that actually help without hurting your credit score. thanks””
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Finding out if I have CCJs?
Does anyone know of a way I can find out if I have any CCJs against me without paying for a credit report? I think my old employer may have got one against me but as I’ve moved house I havent got any paperwork from them or the courts.
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Bankruptcy chaper 7?
Ok if anyone has filed this in the past few years how does the means test work? they want the past 6 months pay stubs and i was rlly confused on what they r going to do to see if we can pass it. I did not understand her how much is to much? Like i know there is a limit of money u cant go over to use the chaper 7 but how much is that? Thanks oh and does it matter how much debt ur in to file chaper 7? Dont say google it i tired and got a head ache from trying to understand lol 14 minutes ago — 3 days left to answer. Additional Details 8 minutes ago If your average monthly income for the past six months is below the state median for your size household, you meet the requirements of the means test”””” (section 707(b)(2) of the bankruptcy code) to qualify for Chapter 7 Bankruptcy. what does that mean does it mean add all the ck stubs up to get the 6 month total or does it mean what u get per month????? posted this somewhere else but no answere.””””””
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Jail time for payday loan in CALIFORNIA and now live in AZ? Help!!?
Yes this did require a post dated check. As far as I know they have made no other attempt to collect other than this call. We tried asking for some other info and a letter if possible but they hung up. I made attempts to locate company and only found address on internet but not a specific description of what exactly they are, whether a collection agency or an actual attorney office. The check was for 500.00 I believe and they said they contacted Tucson Police department and that they saw my husband has no criminal or fraud record and were willing to waive the interest charges which brought this 500.00 loan to just about 4000.00!!! They said they would take payment of 500 but it had to be NOW like today!!! He said he would do it but it would be in two payments one today and one on the 10th. They said NO and Hung up! Let me know if you any of you need further detail on this although I am not sure what else I can say. I am having a terrible pregnancy and honestly this just broke my heart.””
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Kid cudi best song of Wzrd?
What are your top 5 favorite songs of the album ?
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“”Where can I find a willing person to give me 50,000 dollars to get me out of dedt?

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Credit cards for 20 year olds?
Just turned 20. And I m starting to apply for credit cards. I work full time. Making any where between $800- $1000 a month. I know it s not much. And most places won t approve because of it being so low. If someone wants to give me some sort of guidance and point me in the right direction in the best credit card. Let me know
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How exactly do Section 502 Rural Housing Loans subsidize a monthly mortgage payment?
Im looking into obtaining a section 502 rural housing loan from the USDA for low-income people. I have researched some of the usda’s info but cant find answers to my specific questions. My questions involves the repayment ratio, amount of mortgage financed, and subsidy. From what I understand, the income and debt of the household is used to determine the amount of the mortgage that the program gives to you — so that the mortgage, taxes, insurance, and interest will be no greater than 30% of the total income. What is confusing me is this: first, I dont understand where the subsidy comes in — does the govt subsidize the payment so that it will be less than 30% of income, or are you only allowed to buy a home if the payment is 30% of income. Second, using 30% of my total household income towards a mortgagae payment would never let me buy a home in my area, where the cheapest house costs $300,000. So can someone please clarify these questions and the program basics. Thanks!!””
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I would like to get my credit score for free but eveywhere I try wants a credit card number where can I get it

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I need a loan now. please help. i have no money upfront but can pay the loan back?
ok i really need to borrow money from someone who does not charge up front fees. so if you do charge them don’t contact me. i am trying to pay 1200 to the hospital. thank you
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Is an auto loan possible with a credit score of 560?
I’m not worried about the car depreciating. I’m not buying the car to make a profit or because I hope to sell it. I’m buying the car because I need a car to get me to school and work for the next four years. I would buy an old junker for a thousand or two but I tried that already. I bought a 10 year old Dakota with 90,000 miles on it for 1000 bucks and I regretted it. That is part of the reason I had the collections account. The truck ran fine for almost two years but once it hit 100,000–110,000 miles, I had to replace a part almost every two weeks. Charged my credit card for them, maxed out, and defaulted. Had to move back in with my parents. So, new plan with my fresh start here is to make sure I buy a car that will last 5 years. If that happens, I don’t care what the car is worth because I got my money’s worth out of it. Cost and worth are two different things that people can’t seem to grasp the difference of. New car I’m looking at is 8 years old and has””
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“”Does anyone know where i can get a loan with bad credit,not a payday loan, i need 850. urgently?””
just starting over,lost everything , no one to turn to””
#repost

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“”How do i get a free credit score without paying, and no credit card?

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How to remove co-owner of house off mortgage?
Ok so I made the biggest mistake ever…….. I bought a house with my girlfriend who is now my ex. dumb dumb dumb. How do I go about getting her off the mortgage? If I refinance in my name alone will I have to pay closing cost all over again? Thanks
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Why wont a credit card company lower my interest rate?
A few months ago, I tried to get my interest lowered on a card. It had gone up after I paid two days late one time. They had told me that the rate would go down after I paid on time and without fault for at least six months. Nothing at that time worked so I went on paying on time. After a period of more than 6 months without being late once, I called again. I was courteous, didn’t yell, didn’t get angry and was as respectful as I could be. I reminded the rep of what I was told. Still nothing. I was told I did not apply for a lower apr and to try again another time. Insisting did nothing and all i could do was say have a good day and hang up. I don’t understand why they won’t lower it? I feel like now i’ll get the same answer, that I don’t qualify. Searching online gives a lot of advice, but I want to know how real folks have dealt with this problem. I want to be debt free. The worst thing I’ve done was to assume my father knew best. I wish I knew then what I know now, and that I hadn’t allowed him to use my credit for his own use and fancy. But I’m stuck with it now, and I want to pay off. Such a high apr makes it impossible, more than half what i pay goes to the interest. The amount is not that high at the moment by the way. Its 3890 now. It used to be much higher but its taken quite a while to bring down.””
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I had an auto repossession in the last 12 months. Is it possible to get auto financing this soon after a repo?
If you think I can, does anyone know a good place to start? I went online and just got a bunch of junk back. I didnt want to apply at 1000 places but if anyone knows a place that can help me, I would appreciate it. Thx.””
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Need 450$ by tomorrow morning?
I have no way to get it! Just got hired by CVS so income will becoming would anyone make an investment of 450? I’d pay back 600 within a month…please help I can’t get any more extension s on my bills I can’t get a payday loan because I don’t have paystubs yet.
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Help finding an auto loan with low credit score?
i have 601 as my credit score. i am 22 and had a couple credit cards go to collections which i eventually paid off,and is on my credit report as delinquent.charge off. i finished paying the last collected credit card off this past february. i now have one secured card and one unsecured credit card to help me re-establish credit. i just got qualified for another credit card to help add more credit history and more open accounts to my credit report. they are all minimum amounts of 300. i’m looking into getting an auto loan for a vehicle. my current vehicle is currently worth 3 grand. i need about 8 grand more. to pay off my student loan and receive the vehicle of my choice. i understand my interest rate will be high with my low credit score. are there any places that are legitimate that i could actually get qualified for an auto loan through? ive heard about credit unions and dont know much about their auto loans. do you have to be married to get an auto loan through them?””
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#repost

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How to find out credit score!?!?
Is there a way you can get your credit score for free?
“Are we able to refinance mortgage?

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?

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