Mortgage rate?

Posted on Sep 27, 2012 in Unique Loan Programs

Question by sar: refinance under making home affordable plan 10 points?
they have a no income verification program under the making home affordable plan . so why they asking to sign a 4506-7 form ??/
i mean 4506-T form

Best answer:

Answer by Landlord
They want your last 2 years income tax returns and they need this before the IRS will fork them over.

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Question by : With the Making Home Affordable program, site can I be denied loan modification if I already refinanced last year?
Only about 8 months ago Bank of America solicited me and offered to refinance my mortgage with the government “Making Home Affordable” program. I was struggling and it made perfect sense so I did it. Now things have gotten even worse for me and I’ve been working with a credit councilor to try to avoid bankruptcy. He suggested that I call the HUD and ask them about a loan modification. I spoke quickly with someone today, not an actual HUD councilor, that said that because I already refinanced with the program, that I’m not eligible to do a loan modification through it. Is this true!? If so, what options do I have? Can I get a loan modification without the government program? The credit councilor said that my housing costs should be about 30% of my income, and right now mine are 61%. I have absolutely no savings so I have to assume that I’m qualified for a modification.

Best answer:

Answer by kemperk
assume nothing

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Question by a little curious: where can I apply for a low income home loan in utah?
there used to be a place called farm home of america, information pills and i have heard of FHA, drugs but cant seem to find any info on it. doeas anyone know of a place that uses your income to decide the payment of your house rather than the amount of the loan?

Best answer:

Answer by Bill B
All places you your income to decide on your payment. The loan amount simply determines the amortization period.

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Financial Services Legislative And Regulatory Update — September 17, 2012
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Question by lizabet17110: Mortgage rate?
My credit score is between 660 and 687. I need to refinace my current rate 7.35 adjustable mortgage. What kind of rate will I get.
Countrywide my current lender says I only qualify for a 8.75 rate because I had a bankraupcy in 1997 and I had two collections in 2003 due to my husbands illness and inability to work. He has since started to get Social Security and Retirement benefits.
I pay all my bills on time and pay more then the minimum on all of them including on my mortgage.
I can’t see why items from 3 yrs ago should still affect my credit since I have been making sure I pay everything beforeit is due and do not use more them 1/3 of my credit available.

Best answer:

Answer by healthspot_2000
If you are in Georgia, viagra 60mg contact me! I can help you out. Otherwise, price you have to need to call a mortgage broker in your state so they can shop around for you and give you the best rate. And not everyone has to pull your credit.

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One Comment

  1. you need a new “lender”
    pick up the phone and start calling..and ask people who they use………i go to Bank of America..and “no problem”
    I heard “citybank” is aggressively seeking new accounts..
    shop around……and ask…..
    i currently have 5.1% locked in with Bank of America and ready to buy as well..
    good luck..