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Resolved Question: Do I have to refinance under my circumstances?

My mother filed a quitclaim deed with "rights of survivorship". Will I have to refinance the house when she passes away or can I assume the mortgage if I am put on the actual deed with the company?Recently, Country Wide was taken over by Bank of America. When Country Wide had the mortgage, they informed us that even when my mom dies all that they care about is that the house payments are made. I have no desire to sell the home or rent it but I have found conflicting information on the internet about this issue. Does anyone have a similar situation? I don't anticipate her passing away very soon but if I am going to have to actually get a loan I will have a tremendous amount of work to do in order to qualify.Thank you all that replied to my question. Today I was able to get the proper information from our current mortgage company. I do not have to refinance the home. I will simply make the payments. According to Bank of America, this is called a simple assumption of the mortgage. Thank you again for your help. more

Resolved Question: line of credit, so far cant borrow from it cause i cant prove what i make?

im a hairdresser and cant prove all of what i make. i have 2 houses. i want to sell my latest to down size. i would need to get at my equity of which i have well over 100 thousand in it but mortgage reps tell me i cant cause they wont lend to someone who cant prove what they make. i would need maybe 30,000. i was able to get no doc loans in the past and now i cant. could i go directly to lenders like country wide or bank of america? do mortgage reps know everything?my credit is great, i have a great credit history. so is there any other way out in getting some cash to get another home?i show a small amount of my pay as a hairdresser. more

Resolved Question: my wife got breast cancer in 07 since then our morgage lender is screwing us where can we get help?

she got breast cancer in 07 country wide put us on a special program and said they would modify our loan when she went back to work well 5 months later they called and said they made a mistake and took us off the program and it was too late to approve it and we had to send money and we did well they did modify the loan but for 6-8 months they would send us new paper work (contracts) with mistakes and would have to start over so basically they are going to modify the loan but we have to send them $20,000 and our mortgage payment is going to go up almost $1,000! our house is already selling for $200,000 less than what we owe and what we bought the house for. we don't want to lose our house what can we do to save our hose? more

Resolved Question: Why did the US grant eminent domain to china?

US Gives China Eminent Domain Over US Property Beyond High Treason A. True Ott, PhD, ND 2-28-9 Let's connect some dots today, boys and girls to learn about the HIGHEST POSSIBLE TREASON that has happened in this country. THIS IS AS REAL AND AS UGLY AS IT CAN GET. Dot #1 China begins its covert war on the FREE American republic in the 1950's by taking over much of the PHARMACEUTICAL DRUG manufacturing for American and British Big Pharma. This is an outgrowth of the Rothschild's OPIUM RING PROCESSING by the British West Indies company during the 1800's, and is brokered by the "City of London" and Washington D.C. Dot #2 Arch-illuminist and satanist Henry Kissinger "normalizes" trade relations with China during the Nixon years. Dot #3 Eventual LDS (Mormon) Church President Gordon B. Hinckley, via the church-owned Polynesian Cultural Center in Hawaii, establishes a "hard currency" pipeline with Bejing, exchanging bank "trade credits" for CIA/BRITISH MI6 DRUG SERVICES RENDERED into hard GOLD AND SILVER while hiding behind the cloak of "World Religion". This is facilitated via the LDS-Church built and controlled "Shenzhen Special Economic Zone" adjacent to Hong Kong. When Hinckley is made LDS President, his first "official" visit as "World Prophet" is to China, where the Chinese Communist leaders give him a hero's welcome and a confetti parade. (See attached paper --- "Pensees of a Puzzled Pilgrim" pp 5-6 and Desert News, June 1, 1996 article: "President Hinckley Visits China"). Dot #4 Arkansas natives Bill Clinton and Sam Walton massively increase contracts with China's factories over 2,000%. This results in a tremendous imbalance of trade with China. Thanks to the Mormon "Special Economic Zone" -- China's communist leaders begin amassing incredible "real" wealth in gold and silver. Dot #5 China purchases TRILLIONS of dollars worth of U.S. Treasury Bills and Bonds, paying for it with gold and silver provided by the Shenzhen Economic Zone exchanges. Much of the U.S. "national debt" is purchased from the private "Federal Reserve" banks in this manner. Dot #6 Dr. Jeff Taubenberger of the U.S. Institute of Pathology in Ft. Dedrick MD, (The world headquarters for biologic weapons development) successfully maps the genome of the 1918 killer "flu" virus responsible for the 1918 "pandemic" that killed millions. The worst killer virus ever to plague mankind is now ready to be used as a covert "weapon" disguised as a natural "influenza" mutations. Dot #6 July, 2005: The Illuminati-conrolled United Nations announces that the world is long over-due for an "influenza pandemic". The H5N1 "Avian Flu" is wrongfully demonized as a COVER. Dot #7 December 2005: The Chinese Defense Minister, Chi Haotiaon delivers a speech to the Chinese military leaders outlining the inevitable "expansion" of China into Canada, the U.S., and Australia -- He justifies this because of Chinese racial "superiority" and thus "emminent domain". To accomplish this, American would first have to be "Cleansed" by means of a powerful "biological weapon" --- causing 150 -200 MILLION AMERICAN DEATHS!!! The plan would be enacted AFTER the symbolic OLYMPIC GAMES beginning at the sacred day of 8-08-08 are concluded. China begins buying oil and gas futures, spiking the worldwide prices to historic levels. Dot #8 March 13, 2008: A secret meeting is conducted for the U.S. House and Senate. Agents of the Club of Rome give a preview of upcoming events to elected officials who first swear an oath of secrecy. The traitors are briefed that the economy will begin its collapse in October, 2008 -- and will TOTALLY collapse in mid 2009. As events unfold in 2009-2010, Congress was told of the real possibily of massive civil unrest and even Civil War being waged. Detention camps constructed to imprison civil 'agitators'. See http://www.afterdowningstreet.org/node/34877 for the complete meeting agenda. Dot #9 In September, 2008 -- as soon as the Olympics are concluded, China stops buying oil and gas futures while dumping U.S. Treasury bills and bonds. Gasoline prices plummet, while the U.S. mortgage loan money becomes tightly constricted. The Club of Rome's agenda is being implemented perfectly. Dot #10 In October, just as explained in March, the economy indeed begins its collapse with mortgage banks going bankrupt as the Chinese dump their U.S. Securities. This causes a world-wide "rush to liquidity" as money supplies DRASTICALLY tighten. Dot #11 Billions of worthless U.S. Government "bailout" debit entries are given to bolster failing U.S. Banks. These are "worthless" because China now controls most of the U.S. "REAL" wealth in the form of gold and silver. China refuses to continue investing credit loans to the U.S. Treasury. Dot #12 Barack Hussein Obama is elected, promising "Change you can believe in." After taking office in January, Obama sends Hillary Clinton on a critical missioCzech newspapers are questioning if the shocking discovery of vaccines contaminated with the deadly avian flu virus which were distributed to 18 countries by the American company Baxter were part of a conspiracy to provoke a pandemic. The claim holds weight because, according to the very laboratory protocols that are routine for vaccine makers, mixing a live virus biological weapon with vaccine material by accident is virtually impossible. “The company that released contaminated flu virus material from a plant in Austria confirmed Friday that the experimental product contained live H5N1 avian flu viruses,” reports the Canadian Press. Baxter flu vaccines contaminated with H5N1 - otherwise known as the human form of avian flu, one of the most deadly biological weapons on earth with a 60% kill rate - were received by labs in the Czech Republic, Germany, and Slovenia.http://www.rense.com/general85/ChinaSpeaks.pdf more

Resolved Question: Can anyone help me find a job in the Seattle/Tacoma/Bellevue area? Resume and story attached. Anyone?

Ok... I have moved around a little over the past few years. I lived in Florida for about 6 1/2 years. I did move to Montana for a year to take care of my mother after a near-fatal accident. I moved back to FL, then my spouse's job took us to Portland, OR in March, 2008. Unfortunately, after our cross-country move, the company had layoffs and we couldn't survive on my salary alone in Portland. We are regrouping in Lafayette, LA where we have family and a much more affordable lifestyle. Both of us dislike it here very much, and miss the Northwest like crazy. We are looking at the Seattle area instead of Portland because the economy in Seattle is more sound. Resume below. I did not list my name, address or phone number for privacy reasons. If you would like to contact me, please reply to this question. Thank you! __________________________________________________________ Experienced, successful, motivated Banking, Sales and Customer Relations manager with: • 7+ years in Management • 8+ years in Training and Team Building • 12 years in Customer Relations • 10 years in Sales • Consistently led branch/store to receive nation-wide sales and customer relations rewards and recognition • Customer/Client Relations expert SUMMARY OF EXPERIENCE: MANAGEMENT: • ACTING BRANCH MANAGER 60-75% of the time, overseeing 2 branches for four months during a company transition; Store Manager for a large, successful cellular telephone company • EMPLOYEE RELATIONS AND STAFF MANAGEMENT – Interviewing, hiring, employee performance reviews, disciplinary assessments and action, terminations, scheduling, coaching for better performance, behaviors, and time management • TRAINING – Oversaw all training for my bank branches and stores, including federal regulations and compliance training, new-hire training, customer service and sales training, and staff-coach training • OPERATIONS AND AUDITS – Maintained compliance records, created new branch-specific compliance policies that brought audit scores up and allowed for better organization in the branches, audited teller staff and coached to better results, forecasted cash needs, ordered and shipped cash inventories • SALES AND CUSTOMER RELATIONS – Coached 7 to 15 employees to maximize sales and referral opportunities and to exceed customer loyalty goals, achieved recognition for success every quarter by building and maintaining a successful staff to stay among the top performers in the region, and reaching the highest standards in nation-wide performance and success, oversaw and wrote sales scripts SALES AND CUSTOMER RELATIONS: • TOP SALES PERFORMER – Consistently a top performer, receiving recognition for sales performance • BANKING SALES – New accounts, including checking, savings and other savings products, loan officer, receiving top investment and mortgage referral recognition, coaching the teller staff for quality referral opportunities • RETAIL SALES – Consistently a top performer selling home phone, internet, and wireless service, sold clothes and shoes for a high-end retailer, and sporting goods for a local retail and wholesale sporting goods company • CUSTOMER LOYALTY – Built new and maintained long-lasting client relationships, always achieving top customer loyalty and service scores, continually followed up with customers to ensure a strong relationship EMPLOYMENT HISTORY: ASSISTANT BRANCH MANAGER – US Bank Hillsboro, OR – 05/2008 – 08/2008 ASSISTANT BRANCH MANAGER II – Wells Fargo Bank Billings, MT – 07/2006 – 05/2007 TELLER OPERATIONS MANAGER – Bank of America* Sarasota, FL – 09/2005 – 03/2008 PERSONAL BANKER – Bank of America* St Petersburg, FL – Promoted to next STORE MANAGER – AT&T/Alpha Comm Bradenton, FL – 09/2004 – 09/2005 WIRELESS MANAGER – Verizon Clearwater, FL – 09/2002 – 09/2004I search online daily. I have my resume posted on Monster.com and a few other sites. Please do not tell me which sites to search or papers, I'm already doing that. Thank you. :-) more

Resolved Question: Reducing Your Home Mortgage?

I have a friend who would like to reduce her home mortgage but everywhere she goes they tell her they cant do it because she has really good credit i don't understand it at all but that's what they told her . She is a month behind on her mortgage she is able to pay it but but its still a month late each time. What i would like to know if their is a program out there that could help her out in some way i would really like to know so i could tell her and so she can help herself. The loan that she has is with Country Wide. Is there any federal program that can help her out there??????She has already refinanced her home so thats out of the question. more

Voting Question: i missed my first house payment in 4 years and my income has been cut in half.?

iI really need some good advice and professional as well,my wife job just cut her hours in half and mine is just as bad.my sister almost lost her house and she hadn't pay in 4 months coz she was attending school.her loan was modified by her lender after some talks to a fixed loan w/a 5.4% rate.what are my options ?should i continue staying in this house or talk to my lender?i hate to lose this house and my kids are still young to be uprooted from this good neighborhood.what is a 38% of my income i keep hearing about paying my mortgage.i feel so lost at this time i'm still trying to find another line of work and same as my wife but this could take a while.what can we do?for how long i can live in my house until they kick me out?i apologize for the rambling.please help. just to add my loan is w/ country wide i also have a 150k heloc w/ wamu bank. thanks in advance. more

Voting Question: My mortgage is 7% - should I refinance?

I have a 30y fixed with PMI...100% loan, at 7% fixed with Country Wide. I have been in it a year. My original Mortgage broker called me today and is going to look at my refinancing options...I got the 7% because my score was 650 and I had a Bankruptcy from 5 years ago. Anyway - I know my LTV is going to be around 90-100% ...with rates close to %5 what do you think? I plan on stying in my house for more than 10 years. Anything I should look out for as far as my Broker is concerned? - should I counter offer his Rate when he gives it to me?..he stated no points would be involved? Thanks for any info :) more

Resolved Question: Can a mortgage company that bought my loan change me from my 30 yr fixed to an adjustable.?

My loan was with Greenpoint Mortgage and I was just informed that Countrywide is now my new mortgage company My loan was for a 30 year fixed and now Country Wide told me that in February they will change my loan to an adjustable. Can they do that? more

Resolved Question: can a mortgage company mail your closing papers to you to sign?

A friend of mine has elderly parents who want to own a home before they die. They found a home they like and have been dealing with Country Wide to get a loan for this home. They were told, by the seller, who also has their mortgage through Country Wide, that they were approved for their loan. That itself seems odd to me, the lender shouldn't contact the seller about the buyer. So, they have been approved, which also concerns me. He is in his 70s, she is in her late 60s and he is in very poor health, they are on a fixed income that will barely cover the mortgage (i thought you couldn't get a loan if your income was not a certain amount more than your mortgage) because you still have utilities and health insurance, car insurance, food and other living expenses. So, Country Wide has approved them and sent the closing papers DHL for them to sign and send back, even though the office is right down the road from them.... is it even legal to sign closing papers and mail them, i though you had to meet with seller, lender, lawyer... etc.... It especially seems strange to me now with every thing going on, i thought it would be much harder to get a home rightnow. They do have 36,000 in a VA grant to put down, I am wondering if the lender is just wanting to get that 36000 now and are not concerned with later. I am just worried about them getting ripped off... oh and the loan is a 20 year loan, how can a 70 year old man in poor health get a 20 year home loan????? he can't get insurance for the loan b/c of his health!!! Please advise if you know the mortgage business more

Resolved Question: Options for home loan?

I KNOW I MADE A BAD CHOICE BUT WHAT DO I DO NOW? I bought my house 3 yrs ago and I have been in one of those pick a payment plans where I can choose to pay interest only or the full mortgage plus interest. Its also an adjustable loan. Unfortunaltely due to the cost I have only been paying the interest part and the payment is getting high and my balance is much more than the house is worth. I am not behind in my mortage because I have done everything to keep current but I can't keep it up. I don't think I can get a new loan because I owe too much on the house. The loan was originally through country wide then the loan was sold to someone else who is my current mortgage company. What can I do beside let the house go, which I don't want to do? I'm not behind yet but see it coming. more

Voting Question: Should the next president ban all forms of predatory and gotcha capitalism?

Think about it. How is it patriotic for companies to rip off consumers in the country, but then move their corporations overseas so they can avoid paying taxes in our country, the same country where they sell all their goods. Think about it. All these banks around the world failing because they were all trying to make money off US sub-prime debt? Do you think it is appropriate that a house should cost $65,000 to build (including land), but then sold for $300,000+ because "The market can absorb it"? Is the world wide banking industry a direct indicator of this global rip off of the US consumer when it comes to big ticket and long term purchases? And who for example is to blame the most, lets say ...in the housing industry melt down? I mean, seriously, who is to blame the most? The builder making insane profits knowing fully well they are contributing to artificially inflated values? The buyer who bought thinking it was a good deal (should known better)? Or everyone else who made money in the process (Speculative real estate investors, mortgage brokers, banks that bought these mortgage loans expecting to get paid 3 times the already artificially inflated value, or the wall street banks that arranged these loans to be sold to all over the world)? more

Voting Question: What can be done about Countrywide employee selling my info to third party?

Im sure most of you have received a letter- "We are writing to inform you that we recently became aware that a Countywide employee (now former) may have sold unauthorized personal info about you to a third party......this incident included your name, address, social security number, mortgage loan number and various other loan and application information." Are you freakin serious!!!!???? who else go this letter? is there anything we can do, like maybe a lawsuit? Country wide seems to think this can all be fixed by giving me free credit monitoring for the next 2 years. Well i think this is crap, and my social sec number will still be floating around for all the crack heads and loosers to get their hands on in 2 years. Im really upset with this, and i dont know what kind of security risk this now puts me in. What can be done?? im lost....you know what captian, that is probably what i will need after they steal my identity and my credit and im left living in a shanty town under the free way. There is light at the end of the tunnel! more

Resolved Question: Can anything be done about Countrywide's ex employee selling my info?

Im sure most of you have received a letter- "We are writing to inform you that we recently became aware that a Countywide employee (now former) may have sold unauthorized personal info about you to a third party......this incident included your name, address, social security number, mortgage loan number and various other loan and application information." Are you freakin serious!!!!???? who else go this letter? is there anything we can do, like maybe a lawsuit? Country wide seems to think this can all be fixed by giving me free credit monitoring for the next 2 years. Well i think this is crap, and my social sec number will still be floating around for all the crack heads and loosers to get their hands on in 2 years. Im really upset with this, and i dont know what kind of security risk this now puts me in. What can be done?? im lost....i found this site that says who the a$$hole was. http://www.flippingfrenzy.com/2008/08/01/fired-countrywide-employee-arrested-for-data-theft/ more

Resolved Question: Can anything be done about Countrywide's ex employee selling my info?

Resolved Question: I'm going to court and need to find out some information on whether some one has a home loan?

I'm going to court and need to find out some ones information on whether they have a home loan. I know they own a house, and its through Country Wide, however I just need some documentation indicatiing they are making payment and the loan is through them. Is there anyway i can find out this information. I don't need any other information just something saying they are making payment. Or anything that will help me in proving they are responsible for a mortgage payment. thank you more

Resolved Question: What are the FACTS when comparing experience: Obama/ Biden to McC/Palin?

Don't be misled, look for yourself. Don't just listen to the -hmm umm yahoos! : http://en.wikipedia.org/wiki/Barack_Obama#State_legislator.2C_1997.E2.80.932004 OBAMA Obama was elected to the Illinois Senate in 1996, succeeding State Senator Alice Palmer as Senator from the 13th District, which then spanned Chicago South Side neighborhoods from Hyde Park-Kenwood south to South Shore and west to Chicago Lawn.[26] Once elected, Obama gained bipartisan support for legislation reforming ethics and health care laws.[27] He sponsored a law increasing tax credits for low-income workers, negotiated welfare reform, and promoted increased subsidies for childcare.[28] In 2001, as co-chairman of the bipartisan Joint Committee on Administrative Rules, Obama supported Republican Governor Ryan's payday loan regulations and predatory mortgage lending regulations aimed at averting home foreclosures,[29] and in 2003, Obama sponsored and led unanimous, bipartisan passage of legislation to monitor racial profiling by requiring police to record the race of drivers they detained and legislation making Illinois the first state to mandate videotaping of homicide interrogations.[28][30] Obama was reelected to the Illinois Senate in 1998, and again in 2002.[31] In 2000, he lost a Democratic primary run for the U.S. House of Representatives to four-term incumbent Bobby Rush by a margin of two to one.[32][33] In January 2003, Obama became chairman of the Illinois Senate's Health and Human Services Committee when Democrats, after a decade in the minority, regained a majority.[34] During his 2004 general election campaign for U.S. Senate, police representatives credited Obama for his active engagement with police organizations in enacting death penalty reforms.[35] Obama resigned from the Illinois Senate in November 2004 following his election to the US Senate.[36] 2004 U.S. Senate campaign See also: United States Senate election in Illinois, 2004 In mid-2002, Obama began considering a run for the U.S. Senate, enlisting political strategist David Axelrod that fall and formally announcing his candidacy in January 2003.[37] Decisions by Republican incumbent Peter Fitzgerald and his Democratic predecessor Carol Moseley Braun not to contest the race launched wide-open Democratic and Republican primary contests involving fifteen candidates.[38] Obama's candidacy was boosted by Axelrod's advertising campaign featuring images of the late Chicago Mayor Harold Washington and an endorsement by the daughter of the late Paul Simon, former U.S. Senator for Illinois.[39] He received over 52% of the vote in the March 2004 primary, emerging 29% ahead of his nearest Democratic rival.[40] Obama's expected opponent in the general election, Republican primary winner Jack Ryan, withdrew from the race in June 2004.[41] In July 2004, Obama wrote and delivered the keynote address at the 2004 Democratic National Convention in Boston, Massachusetts.[42] After describing his maternal grandfather's experiences as a World War II veteran and a beneficiary of the New Deal's FHA and G.I. Bill programs, Obama spoke about changing the U.S. government's economic and social priorities. He questioned the Bush administration's management of the Iraq War and highlighted America's obligations to its soldiers. Drawing examples from U.S. history, he criticized heavily partisan views of the electorate and asked Americans to find unity in diversity, saying, "There is not a liberal America and a conservative America; there's the United States of America."[43] Broadcasts of the speech by major news organizations launched Obama's status as a national political figure and boosted his campaign for U.S. Senate.[44] In August 2004, with less than three months to go before Election Day, Alan Keyes accepted the Illinois Republican Party's nomination to replace Ryan.[45] A long-time resident of Maryland, Keyes established legal residency in Illinois with the nomination.[46] In the November 2004 general election, Obama received 70% of the vote to Keyes's 27%, the largest victory margin for a statewide race in Illinois history.[47] U.S. Senator, 2005–present Obama was sworn in as a senator on January 4, 2005.[48] Obama was the fifth African American Senator in U.S. history, and the third to have been popularly elected.[49] He is the only Senate member of the Congressional Black Caucus. Joe Biden has been in the service of the FEDERAL GOVERNMENT in 1972 So 36 years and 12 years for O/B FORTY EIGHT YEARS FEDERAL GOVERNMENT LEVELEXPERIENCE John McCain since 1982 to present = 26 years FEDERAL GOVERNMENT LEVEL Sarah Palin , uh, well 2days if you count since her being named by Senator McCain TOTAL FEDERAL GOVERNMENT LEVEL EXPERIENCE Mc/Pal = 26 years +//- 2 DAYS! Who has the more experience to lead the country ???? Read the Question TOTAL FEDERAL EXPERIENCE boys and girls Truth hurts?Remember what I said about the SHOUTING Yahoo!'s Oh and FEDERAL LEGISLATIVE BRANCH includes Senators but not Governors or Mayors. Quit chatting more

Resolved Question: Why is Countrywide's APR is less than the Bank of America but the monthly payment of countrywide is higher

I am comparing the mortgage rates. Country Wide Rate 5.5 APR 5.94 Fees $1,375 Points 2(discount) Monthly payment $1,471 Bank of America Rate 6.125 APR 6.395 Fees $0 Points .939 (Discount) Monthly Payment $1,224.90 Loan $180,000 Down Payment 20% Fixed rate 15 yearCountrywide and bank of america didn't add taxes to the monthly payment more

Resolved Question: Where can we get a mortgage with a low 592 and 517 credit score?

My husband and myself have been looking for homes. We have found one and now we have been bit in the butt by our credit report. We were very irresponsible when we first started out but we have been trying to clear our credit up. I got my score up a little but still not enough. We have been denied a mortgage due to us not having enough money in our checking account or savings by country wide. We really have nothing saved up but we are trying to sell our land in Ohio and waiting on that tax rebate check. That should give us atleast $4500 to start with. I have found a home but they want us to get preapproved for a loan. Any suggestions would be greatly appreciated. more

Resolved Question: OBAMA speech in full?

http://www.drudgereport.com/flashos.htm After read this, how in the world are people still hating on this Man??? There is really no hope for us, if we continue to be sheep, unity should be our mission more

Resolved Question: Has Obama released his mortgage application . . .?

Specifically, where the assets used to secure his home loan . . . used to purchase the adjoining lot from Syrian election fixer Tony Rezko? And if they were, why is he not being charged with mortgage fraud? Straw man transactions are generally considered illegal . . . Why is Obama refusing to release his mortgage application . . . especially since the Senate is investigating mortgage fraud activities in connection with Country Wide? more

Resolved Question: A Home Refinancing Question?

Ok ... I literally don't have a great Knowledge in this Subject but I do want to find out regarding this Letter I receieved from one of the Agents .... incase its a light in the darkness for me. I have received a letter which mentions these things ...WHAT DOES THIS MEAN ???? you may refinance and possibly lock in a interest rate and get a good amount of cash from your home's estimated available equity through exclusive fast track loan program, available to you as a select, qualified COUNTRYWIDE home loans customer ? On top of this you may also qualify for 1/2 point reduction in in the DISCOUNT POINTs on your NEXT HOME REFINANCE or Purchase Mortgage .. MY PARENTs own this condo for last 4 years and they received this letter ........ is this for REAL ??? DO I HAVE ANY benifits out of this ???? Country Wide is being bought by Bank of America ... so I don't even know if all these is for real .... Any experts can let me know ..... ???? what does that Sentence mean ?? more

Resolved Question: Can they Foreclose?

I refinanced my home on 12/06, they told me no payment on jan 07 then I would make a payment to first magnus on Feb 07,wich i couldnt make do to problems,then they would sell my mortgage to country wide wich they did so my march payment and on ive been paying country wide.First magnus is going bankrupt now they say if i dont pay that one time payment i missed they will use a collection service and/or foreclose on my home. Can they do this even if the loan is Countrywides. more

Resolved Question: How can we discourage corporate flight to countries with cheap labor?.?

How can we convince employers to keep their production in our own country? Maybe a nation-wide boycott of a luxury product would help. By that I mean, toys, autos, electronic equipment, or whatever. I know it costs more to manufacture here, but the greed at the top is pretty extravagant. Middle and lower classes in the U.S. are struggling, while the rich get richer. I pity the thousands who can't affdord the mortgages on their new homes. Bankruptcy is at an all-time high, according to the L.A.Times. I know, bad loans. Any ideas?Hmmm....some very conflicting answers...I'm not advocating anything communistic...just jobs, for instance, for Detroiters who keep losing their jobs in auto factories...just an example! more

Resolved Question: Should I continue finalizing my home loan with CountryWide?

As we all know, they are facing bankruptcy. I am one of the last ones that they offered 100% financing with, and my terms are great, even other mortgages companies told me they cannot beat what Country Wide offered me. So what can happen to my loan if they go bankrupt? Also, should I try to seek financing elsewhere because of this fact? more

Resolved Question: Mortgage lenders?

I'm looking for a good Mortgage Lender for a new home purchase. Does anyone know of a good one? I've tried quicken loans and country wide. Lending tree sucks! PS. If anyone knows of an good Mortgage Lenders in Midland, TX that would be even better. more

Resolved Question: Anyone ever hear of a (VLO) Virtual Loan Officer?

If so, have you ever used a VLO for a loan, and how did you like the service? p.s. Companies like Country Wide and Capital Mortgage utilize this type of service online. Thanks more

Resolved Question: Anyone know about FHA loan requirements? Will they loan on a Double-wide trailer?

Its in a very nice neighborhood, country living, has 4 acres w/ it. its a 2005 Solitaire Double wide, and we really like it and want it. They are asking 69,900. Do you think the mortgage company will approve this? please help, we want to make an offer on this... more

Resolved Question: Question about mortgages please advise?

I very upset with my mortgage company. 1 year ago they gave me a courtsey call telling me i have 45k in equity in my home. They threw me an offer to cut my bills down ect. I went into talk to them at a local office and they spelled every thing ourt My 1st loan is 140k on a adjustable plan. They were telling me to roll in my car loans, credit cards and student loan to cut monthy payments total as 70k. They valued my property at 220,000 did not send our a appraser, they also told me that it would help my credit score substantually doing this so i could refinance my 1st. Now my 1st adjusted from 5.7% to 9.22% with payments increase HUGE. I called Country Wide to dicuss refinancing. They looked it up and it did show my Credit Score did go up to 680. and yes we are ready to work with you. They sent a appraser our 300 dollars extra out of my pocket and they apprased the property at 185k, leaving me backwards 35k. they then told me they could not do anything.to break it our before this refinance Now after this 140k 1st 140k 1st 35k 2nd mortgage 80k in HELOC 20k in student loan Now told value 25k car loan is 185k Property value was told to be at 220,000 more