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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?

admin — Mon, 29 Jun 2009 19:26:03 +0000

kburgess612 asked:

children health

How much does a real estate agent make from refinancing a home?

admin — Sat, 27 Jun 2009 10:13:50 +0000

Travel Boy asked:

I am refinancing my home through a real estate agent.

Link to Blog: Mortgages

Can a creditor levy a checking account?

admin — Sat, 27 Jun 2009 09:04:13 +0000

Catwoman asked:

I pay all my bills in full-except one of my creditors (which is not a secure loan) since I lost my former job and my new job pays a lot less. I send this unsecured loan creditor 30/mth which is all I can afford and they are still harrassing me. Could they levy my checking account?

divorce

After foreclosure can the 2nd mortgage holder come after me for the balance in Colorado?

admin — Thu, 25 Jun 2009 23:27:15 +0000

CO4closure asked:

I had a property go to foreclosure in Colorado with 1st and 2nd mortgages. The 2nd is now trying to settle and has been calling and mailing me for the past 8 months. Can they collect? Should I settle or should I just pay an attorney to make them go away. They are out almost $80k and I didn’t file bankruptcy.

Link to Blog: Consolidating Your Debts

How to refinance a home when the title of the house has been changed?

admin — Thu, 25 Jun 2009 17:14:29 +0000

Everyone asked:

-My husband removed his name from our home and how do I refinance it?
-What other responsibilities do I need to do since he removed his name from the property?

Link to Blog: Investing

Should I pay more then just interest on a 2nd mortgage?

admin — Thu, 25 Jun 2009 00:42:15 +0000

merk asked:

My husband and I owe about $98K on our house. Before we got married, he took a $40K second mortgage on the house to pay for graduate school. We are only paying the interest on the 2nd mortgage, at about $350 a month. We are planning to sell in two years and we’ll list the house for about $170K. My question is, do we continue paying just the interest on the 2nd mortagage and pay it off when we sell, or should we start making larger payments off the balance? Any help you can give is greatly appreciated!!!
We put a decent amount into savings a month, and retirement each year. I’ve been going back and forth over paying more towards the balance of the 2nd, or paying more towards credit cards that have a low interest rate.

Link to Blog: Collateral for loans

can a person with bad credit get a secured personal loan that has collateral?

admin — Tue, 23 Jun 2009 10:32:11 +0000

April asked:

gift baskets

What is entailed when co-signing with someone trying to refinance their home?

admin — Mon, 22 Jun 2009 21:05:16 +0000

Rosanna asked:

My sister is getting into serious trouble with her home and it may be foreclosed. She bought into one of those designer mortgages several years ago and now the interest rate is ridiculously high and her mortgage is double from what she started with. If I co-sign to help her refinance her home, she could get a significantly lower (more affordable) fixed interest rate. Should I co-sign for her?

What are the risks involved? How is co-signing for a house different than co-signing for a car? How does it affect my credit? How does it affect my future with home-buying? I don’t own a home yet, but what if my husband and I are ready to buy our first home in the next one to five years?

Link to Blog: Valuations

If I want to combine my 1st and 2nd mortgage what type of loan would that be?

admin — Mon, 22 Jun 2009 19:30:30 +0000

whattheheck asked:

If we refinance and combine our 1st mortgage and our home equity line, what type of loan is that called. I don’t want to call a mortgage place right now because they will run our credit and all that stuff. Also would we qualify for the low rates that are being advertised if we have good credit?

Link to Blog: Valuations

Can you refinance a home if you have little or no equity?

admin — Sun, 21 Jun 2009 04:59:27 +0000

simply661 asked:

My mother recently refinanced her home twice before and because of the housing market going wayyy low she was looking to see if it was possible to refinance her home to lower her payment and go back to a fixed 30 year loan. (we don’t want to take any money out btw just lower the payment)

Is that possible?
BTW she’s on an ajustable rate.

Link to Blog: Mortgages