North Carolina and South Carolina Mortgage Company
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able to stop renting and start building equity in a home of your own. We have three locations for your convince in Hendersonville, NC Asheville NC, or Travelers Rest, SC. We specialize many different types of mortgages making it possible for our loan specialist to get you a lower interest rate and low monthly payments. Call today to Refinance, purchase a new home or even apply for an individual construction loan. Remember we use over 40 Lenders nation wide allowing us to match you with a loan …
Help answer the question about low home refinance
I need to refinance my home but where can I find help from someone who will help with a low credit score???I need to refinance to a fixed rate so I can get out of the arm that I am in.
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July 16th, 2009 at 2:08 am
The blunt answer with that score is NO.
PLEASE do not let yourself be taken in by the scum who will solicit you here 99.99% are scams, want money up front, and get you NOTHING!
July 16th, 2009 at 2:15 am
They are refinancing all people. But as rule of thumb, don't refinance unless rate is 5% or less. Many places are offering that rate and lower. Major problem for most people is property being worth amount of new mortgage. My credit union is offering 30 year convential mortgages for 4.625% with 2 points. So the rates are out there. Check with credit unions or go to bankrate.com for bank rates.
July 17th, 2009 at 12:07 am
Find a mortgage broker who specializes in challenged credit. In the meantime, try to bring your score up to 580 which is usually the cut-off point for getting decent rates when refinancing.
July 17th, 2009 at 1:30 am
Bad credit is one of the worst problems to have… however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers!
July 17th, 2009 at 2:59 am
July 18th, 2009 at 4:29 pm
Emma without knowing the following, there is no way any of us can give you a realistic answer:
1. current interest rate
2. prepayment penalites, if any
3. how long ago was the mortgage originated and did you pay points
4. current costs for re-fi: appraisal fee, loan document fee, credit report fee, points etc.
5. balance you are trying to re-fi
You have not given us near the info needed to give you a good answer
July 18th, 2009 at 8:06 pm
just move out of baltimore it's cheaper
July 19th, 2009 at 6:28 am
I haven't seen any loans with less than 3% down + closing costs in 4 months.
If she is on an ARM, she should have a good rate now, since the prime rate is so low.
All of these refis are costing her 1-2% of the loan by the way. That goes out the window.