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Texas Mortgage: What are today’s mortgage rates? No PMI home loans.

By CO Refinance on Thursday, September 2nd, 2010 | No Comments

Mylendingplace is a local Texas mortgage company offering low rates from leading banks. Call us if you want to refinance. Bank of America | Wells Fargo Home Loans www.mylendingplace.com

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What should I think of when choosing a mortgage for a refinancing of my home?

By CO Refinance on Thursday, September 2nd, 2010 | 1 Comment


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    When you refinance your home mortgage with the same mortgage company like wells fargo, do they?

    By CO Refinance on Wednesday, September 1st, 2010 | 5 Comments

    do they look at your credit report or just how you have paid them


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    I would like to stay in my house…..?

    By CO Refinance on Monday, August 30th, 2010 | 6 Comments

    I am just recently divorced and have been living in a town home that we bought together last year. I have been working as little as possible to raise my 2 year old, I am a RN so I can work 2-3 days a week. the problem is, I can’t afford the town home and when I called the mortgage co about my options, in more or less words, work more or change my lifestyle…which I assure you that it is one of just which to get by so someone else does not have to raise my baby. I have spoke to other lending co and they cant do anything because the market value of the house given today’s economy has decreased 30,000…no one will refinance me. I want to keep my house, but not more then I want to raise my daughter. Any suggestions you have would be most welcome and I thank you in advance for your answers…God bless.


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    Wells Fargo projects record $3 billion 1Q profit?

    By CO Refinance on Sunday, August 29th, 2010 | 10 Comments

    NEW YORK – Wells Fargo & Co. said Thursday it expects record first-quarter earnings of billion, easily surpassing analysts’ estimates and providing an encouraging sign for the banking industry.

    Wells Fargo is the first major bank to give an indication of how the first-quarter looked.

    Most of that business was refinance applications, but about 25 percent came from customers looking to purchase homes, Atkins Wells Fargo’s CFO said, noting the recent quarter’s mortgage activity has been among the strongest quarters since the housing market began to collapse in 2007.

    The government has been implementing many new programs in an effort to cut interest rates, hoping to bolster the beleaguered housing market, and those programs have definitely helped, Atkins said.

    "For sure the reduction in interest rates is having an impact on the wave of activity in the mortgage market," Atkins said.

    Signs of improvement from one of the nation’s largest banks gave investors reason to rally around the banking sector amid hopes that the worst of the credit crisis is ending. The KBW Bank Index, which tracks 24 of the nation’s largest banks, surged 20.1 percent to 33.81. Some of the nation’s hardest hit banks have also rallied, with Citigroup Inc. gaining 34 cents, or 12.6 percent, to .04. Shares of Bank of America Corp. rose .49, or 35.3 percent, to .55.

    Are you feeling hopeful, maybe a little bit?


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    Will refinancing a home lower the mortgage and interest rate?

    By CO Refinance on Sunday, August 29th, 2010 | 9 Comments


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      Loan Modification, Home Loan Modification, Mortgage Loan Modification, Mortgage Modification

      By CO Refinance on Sunday, August 29th, 2010 | No Comments

      realestatemarketingthisweek.com – The Loan Modification Department at the Bank is not on your side — Part 5 – Welcome back once again my guest Brett Fallon, Brett is a regular guest on the show, he is a registered financial consultant with RG Capitol and AIG Financial Advisors Brett W Fallon welcome back to the show. It is nice to have the financial advisors perspective on some of these things so many people dont have a financial advisor so for thousands and thousands of people listening right now you are their only option for that, financial advisory services are typically not for the masses but again you are here to help and your services are available to quite a number of people you actually work with fortune 500 companies is that correct? Yes, I do a number of workshops for fortune 500 companies that are headquartered here around the valley, the idea is to help people create efficiency with all assets, understanding that their home and home mortgage is typically the largest asset that most Americans have and if you are not treating that with efficiency, the retirement accounts and investments accounts, and all the other stuff has to work in concert, so Im happy to weigh in with information and give you my viewpoints and my perspective. We were talking just a few moments ago about utilizing an expert negotiator when trying to do a loan modification, people are getting mail from bogus service sources, we have already covered that, but from their servicers saying if you …

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      Who's right – me or my husband?

      By CO Refinance on Saturday, August 28th, 2010 | 10 Comments

      My husband wants to get out of his car loan. We have tons of negative equity in this car because we rolled over negative equity from the car before this one. Our payment is thus very high. Our finance company (Wells Fargo) won’t work with us to lower our interest rate, thus lowering our whopper monthly payment. Mind you, my husband’s hours have been cut due to the economy and we are struggling to keep our payments current on our mortgage which is more important. Here’s where we disagree: my husband wants to have the car voluntarily repo’ed (I am the co-signer). Our credit already pretty much sucks, but we are really going to need to refinance our house in about a year or so because our temporary modification will run out then and our monthly payments will go up about 0/month. My thoughts are that we really need to try and up our credit scores this year so we can refinance and I think a repo will make our credit even worse. My hubby is listening to people at work who are saying that it will only make a small dent in our scores and that we can pay back the deficiency balance after the repo (which will be probably about K) little by little. I say that they will take us to court, put a lien on our home, sue us, etc. My husband is using the defense that he wants to go and get another car using one of those programs where if you get laid off they will pay your car note for up to a year (he may get laid off too). And he wants to get a cheaper car, which is fine. But I really think its a bad idea to have a car repo’ed because it will hurt our scores a lot and leave us with a huge sum of money to pay back. What are your thoughts???? EXPERT advice would be helpful too…


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      Do you think a lender will do a short sale/refi for approximatly $65,000, if our loan is in bankruptcy & disch

      By CO Refinance on Friday, August 27th, 2010 | 1 Comment

      We filed bankruptcy & it discharged on 11/07. With the new law the home needs to be included in the bk. We have 2 loans 1st mortgage for 0,000-7.5% due to adjust in May of this year & a 2nd mortgage for ,000-12.69%. We did not sign either of the reaffirmation aggreements because we were afraid of what the payment will be once adjusted. We were told by Option one (current mtg co.) that they can not help us in any way because we did not sign the reaffs & we do understand that. However they did say that we could do a short sale/short refi. We are current on our payments but they state at this time it doesnt matter if we are late or current, they would still consider a short sale/short refi. We did find a lender who is willing to refinance us at a decent rate even this recent after our bankruptcy. My question is do you think the mortgage company would be willing to forgive ,000+ or take a chance of us walking away and them losing more? Value of home 5,000-owe 7,000+.


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      Mortgage Cash out Refinance in texas?

      By CO Refinance on Thursday, August 26th, 2010 | 4 Comments

      I’ve been working to get my home refinanced for the last two years. but my credit score was low, now that my credit score it up they have moved the (Foreclosure) on past homes to 5 years instead of the 3 it use to be. I have always paid my mortgage note ont time and was never late. On my first home for 9 years till the real estate agents really messed me around, telling me go ahead and buy your new home and we will sell your old one. I paid two house notes for 10 Months , and what did they do they broke the keys off in the locks so they left the door open someone got in stole my pool table that was going with the house and trashed the place. they never contacted us and lead us on for 4 months telling us no one was interested in our home. We finally ran out of money and decided to let the house go into Foreclosure (bad mistake) but there was nothing else we could do. now we have been living in our new home over 4 years with no late payments, but no one will refinance us, we really need the cash out option to help get out daughter settled in to Collage. new car, books etc, etc, does any one now of a GOOD AND RELIABLE CO. that can help us. thank you for your assistance.
      i have over 100,000 in equity in my home, only owe 50,000 on it and appraisle said its worth 150,000


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