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My mother signed a home equity loan with my grandfather who has just passed, and I am trying to help her pay the bills but the payment on the house is too high. If she refinances could her payment go down? Are there any other options, or any kind of loans or help from anywhere? I am totally clueless this was very unexpected.

If she has the income she can get a different mortgage and they will pay that one off. If her interest rate goes down and fees aren’t high the payment could be less.

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I helped my parents refinance their home a few years ago, and now I want to buy my own place. Will I still qualify for a first time home loan?

You can still qualify to buy your first home. Actually, if your parents were consistent with there mortgage payments you can even get something better than what first time buyers get on conventional loans.

There are three types of programs for first time buyers:

1. Down payment assistance programs form your local governments and charities. These are typically for low-income people or neighborhoods and can only go up to certain amounts

2. Government sponsored loan from lenders. These are FHA type loans that can be used along with down payment assistance loans. Again, these are limited in theire scope.

3. Conventional first time buyer loans. These are usually more flexible than government programs. they can go to 100% up to $1.1Million without having to qualify for any assistance. Not all lenders do these loans and they usually come with lower rates.

You, on the other hand, can qualify for loans that you normally wouldn’t be able to because technically you are not a first time buyer. The loans that you can get will probably be better than you would have gotten otherwise.

Call me if you’d like to see how much you qualify for and what your payment would be. My phone number is 818-361-8585 (Just ask for Kevin)

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My credit rating is 581, is this why??

Closing costs vary greatly by lender. There are some that are fixed figures, but the rest is tied to the loan amount.

Shop around a bit, ask for a truth in lending good faith estimate of closing costs. And don’t stop there. Ask about transaction fees, pre-payment penalties, late fees – anything that could also cost you money down the line.

Make sure you are comparing apples to apples before you sign on the line.

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we have a fixed rate on both loan however they are a bit high due to the fact we didn’t have a great credit history. That situation has changed and we are looking to get a lower rate and combine the two payments into one. Any type of advise on what to look for and ask for would be helpfull Thanks

I’d be more than happy to prequalify you and let you know exactly what is available to you. I also have a package that I can send you that will educate you on the process and even teach you how to shop around for the best mortgage.

Once I prequalify you, I will provide you with a Total Cost Analysis that will allow you to determine if it’s worth refinancing or looking for alternatives.

You can email me casey.x.casperson@chase.com or visit my website caseycasperson.com

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The balance is $88k at 5 1/2 % for 25 more years. Can I make payments bi-weekely or shoulk consider a 15 year loan at 4 1/2 % ?

I have a better solution! you have a great rate now! the cost to refinance now would be at least a few thousand dollars. instead make extra payments! below is a link to show you how making extra payments will effect your loan and what it will save you .
MAKE SURE WHEN MAKING EXTRA PAYMENTS YOU MAKE THEM WITH SEPARATE CHECKS MARKED ON SUBJECT LINE. …..( APPLY TO PRINCIPLE) this ensures you have a record of the extra payments and that the payments where to go to principle

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Just wondering if anyone had any information about being able to refinance a home equity loan to receive a lower rate and if so, how to go about doing that.

Hi there,

When it comes to refinancing a home equity loan you reall have to shop around to make sure you get the best deal. You your deciding on your option you make to make sure you get the following
*Competive Rate
*Lower you repayments
* Great Customer Service

You must not forget the last point, remember your the customer and the customer is always right !!!!

Give these guys a go, I think you will be pleasantly supprised
http://tinyurl.com/yqnx37

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