Archive for June, 2010

Refinance Mortgage Help

June 20, 2010 - 3:39 pm 2 Comments

Need some advice both financial and legal. My mother is selling her house but in the meantime she has seen another house she wants to buy. She has no capital and I have agreed to buy it for her. While I can put capital of 25% down on the house I still need to find the remaining funds, so I am assuming mortgage, my own is paid off.
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But when she sells her property she will give the funds to me to pay off the debt, this may only be a matter of months. So my question is does a mortgage sound the right thing here, should we put it in joint names, if only my name can I transfer the house to her and is their any capital gains issues if I just put it in my name then she give me the cash to pay it off……help.. by the way i am in the UK
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In the US: you could purchase the new home together, both names on the mortgage and title. and when she has the proceeds of her new home you could pay down or off the principal of the new existing loan. (only if there is no pre-payment penalty) some banks require a 2 or even 3 year prepay penalty that means you will be penalized a percentage of the loan amount if you pay if off early. so make sure you let your mortgage broker know what you plan to do ahead of time that way he can find the best program.

YOU will not be able to do the loan as a primary residence if you already have an existing mortgage reporting on your credit- even if there is a 0 balance, although your mother probably could seeing as she has her current home on the market. the underwritter can clearly see she is trying to move. but it will be a controversy between each lender as to how they are going to classify it. Debt Management Service Financial advice that can help in these economic problems.

(you- second home or investment property and your mom- primary residence.) but in this case mortgage would be the best bet and you both can be on title. or you can buy the home in only your name and have her on title with you. either way- when you get ready to do this discuss it with your mortgage professional in the UK. Goodluck

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How do I add someone to the title of my house (not mortgage)? I live in Toronto, Ontario, Canada.?

June 21, 2010 - 9:07 pm 2 Comments

I need to add someone to the title of my house – not the mortgage. Can someone please tell me the steps involved in doing so. I live in Toronto, Ontario, Canada. Thanks!

Your best bet would be to contact the Provincial Land Title Office of the Provincial Government. Probably, it’s not difficult to do.

Is there wa way to sell your house mortgage to a wholesale correspondent lender?

June 21, 2010 - 9:07 pm 2 Comments

I am trying to sell my house quickly and I would like to know if there is another way besides listing it for sale and following the process of showing in and accepting offers from buyers.

lenders dont buy homes….private investors do.

Paid off investment home. Can I take a 1st mortgage on that property or must I go with a home equity loan?

June 21, 2010 - 9:07 pm 6 Comments

My brother and I need cash for a business venture and would like to take a loan out against an residential investment property that we co-own free and clear. Is our only option a Home Equity Loan? Ideally we would like to take advantage of the lower rates of a standard mortgage.

You’d want a cashout refinance, and then you’d take 100% of the loan proceeds, minus closing costs. Fixed mortgages have better rates than HELOCs, so a regular mortgage is the way to go.

Can I refinance my mortgage for $350,000 if my house is only worth $250,000? ?

June 21, 2010 - 9:06 pm 9 Comments

I have a total debt of $348,000 including the mortgage, 4 lines of credit, and credit cards. I am able to make all payments and just want to consolidate. Wouldn’t one lending institution want my money that I am paying to 12 different ones?

Refinancing your mortgage will typically be the best option, as it can save you hundreds of dollars per month if you’re refinancing from a high interest rate to a lower rate.

The website below may provide some insight for you.

http://www.refinancing101.net

Good Luck……..!

How much can a loan agent make when refinancing a loan?

June 21, 2010 - 9:06 pm 6 Comments

I live in California, and I just refinance my mortgage. I found out that the mortgage processing company made about 1.2% commission of the loan amount. How much can a loan agent make? If the loan is $1 million, the agent could make $10k for just one loan. Is it the case?

The limit varies from state to state. In California, it’s 6% of the loan amount. I know of places that make 3 to 5 percent on every loan from people who don’t think they have a choice. Some states do not have limits. 1.2 percent is not bad. I average a little less than 1 percent total compensation, and I’m way below most of the market.

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Of course, judging the loan by how much the loan company makes (or has to disclose – direct lenders don’t have to disclose what they make while brokers do) is a good way to end up with a bad loan. Judge the loan by the loan the competition could have delivered to you. If one loan is a thirty year fixed at 6.5% with no points, that’s a better loan than 6.75% with one point. Doesn’t matter what the loan company made – you get a better deal with the first loan.

Interest rate swap

June 21, 2010 - 3:24 pm 11 Comments

This illustrates how an interest rate swap can transform a floating-rate obligation into a fixed-rate obligation and vice-versa

Duration : 0:7:4

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Investment Tips & Financial Planning : How to Compare Bank Mortgage Interest Rates

June 21, 2010 - 3:24 pm 1 Comment

Compare bank mortgage interest rates by searching the Internet for Web sites that compare rates, contacting different banks for full disclosure information and using the variables of a mortgage interest rate to pick the best choice. Use the Internet as a guide for picking a good mortgage interest rate with help from a financial consultant in this free video on investments.

Expert: Roger Groh
Bio: Roger Groh is the founder of Groh Asset Management.
Filmmaker: Bing Hu

Duration : 0:2:48

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Westpac banana smoothie video on mortgage interest rates – plus response

June 21, 2010 - 3:24 pm 2 Comments

Westpac tried to justify its interest rate increases by comparing themselves to a banana smoothie company. See the video response for a hilarious parody.

Duration : 0:7:41

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Financial fraud in the mortgage market 1.

June 21, 2010 - 3:23 pm 14 Comments

Catherine Austin Fitts talks about it in 2004.
As President of Solari, Inc., Catherine is currently spearheading the Solari Circles Campaign to help make healthy local living economies the best investment worldwide.

Catherine previously served as Managing Director and Member of the Board of Directors of the Wall Street investment bank, Dillon, Read & Co., Inc. She also served as Assistant Secretary of Housing/Federal Housing Commissioner at HUD in the first Bush Administration, and was the President and Founder of Hamilton Securities Group, Inc., a broker-dealer/investment bank and software developer that successfully completed $12 billion of transactions and $500 billion of portfolio strategy prototyping the solari model. Catherine has a BA from the University of Pennsylvania, an MBA from The Wharton School, and studied Chinese at the Chinese University of Hong Kong. Catherine serves on the advisory board of Sanders Research Associates in London, and publishes the column Mapping the Real Deal in Scoop Media in New Zealand.

http://www.financialsense.com/Experts/2004/AustinFitts.html

http://www.scoop.co.nz/stories/HL0310/S00223.htm

Duration : 0:10:29

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