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Refinance

An Alternative to Wraparound Mortgages

Posted by: Investors Lounge Online in Tenant, Subject To, Sub Prime Lending, Refinance, Real Estate Investment, Owner Will Carry, Over Leveraged, Mortgage, Market Bubble, Loan To Value, lease purchase, Lease Option, Landlord, Investment, Financing, Credit Cards, Analyze on Aug 14, 2008

There are different ways to structure real estate transactions that involve seller financing to benefit all parties. Of course the seller has concerns of protecting their property and the need for regular repayment. The following scenario explores this option in detail. Wraparound

You know that your local market has many rental properties in the inventory and you have found one that meets your

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Can Subprime Bring Opportunities?

Posted by: John Burrows in Sub Prime Lending, Refinance, Recession, Real Estate Investment, Pre Foreclosure, Over Leveraged, Over Financed, Mortgage, Market Prediction, Market Bubble, Loan To Value, Investment, Foreclosure, Financing, Equity, Economy, Bank Owned on Aug 13, 2008

The so-called days of the mortgage boom are over causing a certain amount if disbelief among industry professionals. Like a bad hangover from Saturday night wild party, those who gained from historic low interest rates and flexible lending products that spawned the real estate boom at the turn of the millennium, are now slowly waking to reality. The once profitable sub-prime market is now

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Structuring Your Financing

Posted by: John Burrows in Refinance, Real Estate Investment, Mortgage, Investment, Financing, Equity, Appreciation, Analyze on Jul 28, 2008

Understanding the fundamentals of finance known as the time value of money is key in real estate investment. Such causes as inflation make the real value of a dollar less in the future than it is worth now. Because of this principle, buying property outright in cash does have its drawbacks, financially speaking, because another use of that cash may actually benefit the investor in the future

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Do You Qualify For A Loan Workout?

Posted by: Investors Lounge Online in Short Sale, Refinance, Recession, Pre Foreclosure, Mortgage, Market Prediction, Market Bubble, Loan To Value, Legislation, Investment, Homeowners Act, Foreclosure, Financing, Economy, Bankruptcy on Jul 11, 2008

Like holding your breath underwater, homeowners facing foreclosure are desperate for air. While the solution of coming up and taking a breath seems simple, the work needed to get out of water can be a challenging journey. Many struggling homeowners face the journey of avoiding foreclosure and seek help to prevent it, thus beginning the quest loan workouts and restructuring.

When the pressure

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My Credit and Credit Report is Ruined!

Posted by: brad miller in Refinance, Credit Report on Jun 25, 2008

Not only can your credit history be found in your report, but it also contains personal information that should remain confidential, like your SSN, full name, current address and tenure, and past addresses.

Credit History A credit report's main purpose is to list all of the financial activity for any one person, encompassing all or most of their lives. Any financial relationships, be it a credit card,

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Bail Me Out of the Mortgage Mess !

Posted by: brad miller in Sub Prime Lending, Refinance, Recession, Private Lender, Mortgage, Loan To Value, Financing, Economy, Credit Report, Credit Cards, ARMs on Jun 13, 2008

Time is of the essence for those of you that have adjustable-rate mortgages (ARM)! The housing has taken a big hit in the aftermath of the mortgage crisis, for both home sellers and buyers. Lenders are being much more astringent in their lending practices, and some are even going out of business. All of this leads to a tight credit market.

For those that negotiated an ARM, the mortgage knife

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Is There a Zero-Down Mortgage Suitable for You?

Posted by: brad miller in Refinance, Mortage on Jun 04, 2008

To answer this buzz question, there are possibilities for you to consider. As with any financial choice, you want to weigh the positive and negative aspects of each option and choose based upon your financial goals and credit worthiness, and each of the plans is listed below with its upsides and downsides. They appear in random order, not as a ranking

Zero Down First, there is the 100% One Loan,

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Important Considerations for Refinancing

Posted by: brad miller in Refinance on May 30, 2008

Refinancing is a means to save money and takes advantage of the low interest rates. Specifically, this is when you take out a new mortgage, and use the money to close out or pay off a current mortgage. If you refinance with a lower interest rate you'll reduce your monthly mortgage payment even if your new mortgage is for the same amount as your current mortgage. But before you take that big

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Who is Going Into Foreclosure?

Posted by: John Burrows in Sub Prime Lending, Short Sale, Refinance, Recession, Pre Foreclosure, Over Leveraged, Over Financed, Mortgage, Market Prediction, Market Bubble, Loan To Value, Foreclosure, Financing, Economy, Brokers Price Opinion, Bankruptcy, Bank Owned on May 23, 2008

A new study says a tidal wave of foreclosures-about 1.1 million- will soon flood the nation.

Christopher Cagan, director of research and analytics for First American CoreLogic, explains that the study focused on 8.4 million adjustable-rate mortgages (ARMs) that were obtained in the period of 2004 to 2006. More than a million of those borrowers will lose their homes to foreclosure in less than

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A Few Days Difference Can Turn a Closing Day Loss Into a Gain.

Posted by: Alan Brown in Tax Savings, Tax Benefits, Refinance, Real Estate Investment, Property Tax, Mortage, Loan To Value, Investment, Financing, After Tax Investment on May 14, 2008

Many people view the day they close on a house as rather expensive, but closing at the right time can actually save them a lot of money. For instance, when closing towards the end of December, a simple postponement will mean a great deal come tax time. With this approach to purchasing or refinancing in mind, there are some basic principles to remember in order to determine whether or not there

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