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i see all the time you can get mortgage refinance rates for around 4.5% but when you speak with someone and then it ends up being 5.5% my credit is good and i’ve been approved but then they hit you with well its 5.5% now etc… what would be some good lenders to speak with ,without all that babbling stuff just explain it in better terms..

By: debra c

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I am looking to apply for an auto loan and need about $9000. I only began trying to establish my credit 10 mo. ago so I don’t think I have very much of it. I am going to be looking at different lenders, and can put down a $1500 payment. What do I need to know and bring with me so I am totally prepared? Because my chances aren’t tooo great for getting loan with a decent interest rate in the first place… I want them to know I’m serious and have checked all my bases. Thanks!

By: mimi

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Dom Auturo asked:


My husband and I have found our next home in TN, but when we went for the loan, we found out my husband’s credit has dropped drastically in the last few months (since November) to just under 500. The lender said he had to investigate because our credit is only showing one delinquency. Isn’t there any option? We have a home on the gulf coast we are putting on the market, the appraised value is low-end 70,000 over what we owe. My husband makes decent money, ($80,000) and the house we want is a foreclosure, we offered $72,000 and the last loan on it was $130,000. We really, really don’t want to lose this investment by missing the closing day. There has to be some other option. I’d take a 15% interest at this point, because I’ve gone to so many lenders, I think our score is even lower now. Any help would be appreciated.

orign8 asked:


Wondering if lenders would allow a cash-out $200,000.00 of my free and clear primary residence to purchase a rental property? That is 50% loan to value on my refinance and would own the rental free and clear. My debt to income would be very low as well.