Any idea for debt consolidation up to 10 years?

Posted on Mar 18, 2013 in HARP Refinance

Question by Troy B: Are there any good 1st time home buyers programs to help with down payment and closing costs?
Are there any good 1st time home buyers programs to help with closing costs and down payment? (Either or) I already have pre-approval and now was looking for help with the down payment or closing cost.
As of right now the seller is picking up about 3.5% but that still leaves us with a sizable down payment and closing costs.

Best answer:

Answer by golferwhoworks
there are grant money available and ask the seller to pay closing cost. Your mortgage professional should have the info needed and apply for you

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Question by aayad53: Any idea for debt consolidation up to 10 years?
I have over $ 88K in credit cards. I went to debt consolidation program and my FICO score went high. My only problem, check payment based on 5 years so my monthly payment so high. Do anyone know if someone can do debt conolidation but payments will be for 10 years? I don’t have any equity in my home to refinance

Best answer:

Answer by Budget Doctor
Figure out how much you can pay each month and pay down the highest APR credit card the most each time. For the other cards, more about just pay the minimum. that will effectively produce the same result as a debt consolidation program

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One Comment

  1. There are U.S. federal regulations that restrict most debt management plans to 60 months, however, some lenders and some credit counseling agencies are experimenting with “less than full balance” plans that permit you to pay off 60% of your debt in 5 years.

    Ask your counselor if you qualify