Zillow Advice RSS: Question-Discussion-Guide,Refinance,SC http://www.zillow.com/advice/SC/mortgage-refinance/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate Home improvement loan. http://www.zillow.com/advice-thread/Home-improvement-loan/541027/ I had just refinanced my home this pass Dec thanks to this forum. I am in need of a home improvement &nbsp;loan. I just call the place that refinanced my home,said can not do. I am so disappointed.&nbsp;I have a balance of my mortgage 64000.thw value of my home is about $80.000.&nbsp;I am looking to do a home improvement of about 15.000. Does anyone know where I can get this done. I need to get a new roof A.S.A.P. HELP. HELP. HELP.<br \><br \>3 replies Fri, 16 May 2014 13:50:00 GMT http://www.zillow.com/advice-thread/Home-improvement-loan/541027/ 2014-05-16T13:50:00Z What can I do to get more (or better) quotes for my loan request ZR-YLHBPRY http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-YLHBPRY/468473/ Zillow mortgage market place auto quotes tend to ignore loan requests of less than about $100k, so for smaller loan amounts contact a couple of lenders directly (or local credit unions and banks).<br/><br/><br \><br \>0 replies Wed, 14 Nov 2012 16:35:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-YLHBPRY/468473/ 2012-11-14T16:35:00Z refinancing http://www.zillow.com/advice-thread/refinancing/475947/ Adina-<br/><br/>&nbsp; That was a great deal. Rates have increased since your post. Hopefully you have locked in and your future mortgage is being processed.<br \><br \>0 replies Wed, 06 Feb 2013 04:19:00 GMT http://www.zillow.com/advice-thread/refinancing/475947/ 2013-02-06T04:19:00Z Condo financing http://www.zillow.com/advice-thread/Condo-financing/431481/ I'd suggest running your specific scenario through Zillow Mortgage Marketplace, submit your&nbsp;anonymous loan request <a href="http://www.zillow.com/mortgage-rates/">here</a>&nbsp;<br/><br/>You could also try reaching out to one of our Florida lenders <a href="http://www.zillow.com/directory/florida/mortgage-lenders?frmsrch=true">here</a><br \><br \>0 replies Thu, 23 Feb 2012 21:13:00 GMT http://www.zillow.com/advice-thread/Condo-financing/431481/ 2012-02-23T21:13:00Z Help; WE HAVE BEEN TRYING TO REFINANCE OUR MANUFATURE HOME AND WITH NO LUCK THEY ALL SAY,I'M SORRY W http://www.zillow.com/advice-thread/Help-WE-HAVE-BEEN-TRYING-TO-REFINANCE-OUR-MANUFATURE-HOME-AND-WITH-NO-LUCK-THEY-ALL-SAY-I%27M-SORRY-W/513261/ If you can post some additional information, I may have some suggestions.<br/><br/>To whom do they pay their mortgage payment?<br/><br/>Is the home on a permanent foundation?<br/><br/>Have they contacted their lender for Home Retention Options?<br/><br/>Best,<br/><br/>Bob Sorey<br \><br \>0 replies Sat, 28 Sep 2013 03:46:00 GMT http://www.zillow.com/advice-thread/Help-WE-HAVE-BEEN-TRYING-TO-REFINANCE-OUR-MANUFATURE-HOME-AND-WITH-NO-LUCK-THEY-ALL-SAY-I%27M-SORRY-W/513261/ 2013-09-28T03:46:00Z Refinance now or at the same time we buy our second home in the next 3-6 months? http://www.zillow.com/advice-thread/Refinance-now-or-at-the-same-time-we-buy-our-second-home-in-the-next-3-6-months/491003/ Thanks for your replies. We do have a FHA mortgage and already looked into the Streamline refinance but it was not a good option. We were told since we purchased in 2010, then it would end up costing us more PMI. Does an investment streamline refinance hold the same guidelines?<br \><br \>0 replies Tue, 07 May 2013 19:06:00 GMT http://www.zillow.com/advice-thread/Refinance-now-or-at-the-same-time-we-buy-our-second-home-in-the-next-3-6-months/491003/ 2013-05-07T19:06:00Z Are there any no doc loans available? Lots of assets, high DTI? http://www.zillow.com/advice-thread/Are-there-any-no-doc-loans-available-Lots-of-assets-high-DTI/285739/ This could be a collateralized <a href="http://www.zillow.com/mortgage/">loan</a> with a local bank but the general <a href="http://www.zillow.com/mortgage/">mortgage</a> industry does not do them currently. Also consider commercial lenders for blanket <a href="http://www.zillow.com/mortgage/">loans</a> and no doc scenarios.<br \><br \>0 replies Tue, 06 Oct 2009 15:06:00 GMT http://www.zillow.com/advice-thread/Are-there-any-no-doc-loans-available-Lots-of-assets-high-DTI/285739/ 2009-10-06T15:06:00Z How long do you have to have a job before you can refi your house? http://www.zillow.com/advice-thread/How-long-do-you-have-to-have-a-job-before-you-can-refi-your-house/492175/ We have programs that you can receive a mortgage 30 days after employed with 30 days of paystubs. Contact me through my profile if you would like a pre-approval.<br \><br \>0 replies Tue, 14 May 2013 03:29:00 GMT http://www.zillow.com/advice-thread/How-long-do-you-have-to-have-a-job-before-you-can-refi-your-house/492175/ 2013-05-14T03:29:00Z Should we Refi or not? http://www.zillow.com/advice-thread/Should-we-Refi-or-not/471824/ <a href="http://mortgage-x.com/calculators/extra_payment_calculator.asp" rel="nofollow">http://mortgage-x.com/calculators/extra_payment_calculator.asp</a><br/><br/>This is a good calculator where you can input monthly pre payments or up to 5 one time prepayments.<br/><br/>As Nevin pointed out, in todays market there is no easy refinance. You will have to&nbsp;go through the entire process and&nbsp;will have your tax returns and asset statements scrutinized by an underwriter. This may not make sense for you if you can just pay down your current loan and add principal payments through the process.<br/><br/><br/><br \><br \>0 replies Thu, 20 Dec 2012 19:47:00 GMT http://www.zillow.com/advice-thread/Should-we-Refi-or-not/471824/ 2012-12-20T19:47:00Z Low appraisal, ineligible for HARP - What are my refi options? http://www.zillow.com/advice-thread/Low-appraisal-ineligible-for-HARP-What-are-my-refi-options/452162/ You could look to obtain new financing that would include mortgage insurance but this would likely negate a good chunk of the savings you get from the lower rate. 4.75% is certainly not a bad interest rate to have. You could also look into appealing your appraisal or trying again with another bank if you truly feel the recent appraisal is way off.<br \><br \>0 replies Mon, 23 Jul 2012 04:22:00 GMT http://www.zillow.com/advice-thread/Low-appraisal-ineligible-for-HARP-What-are-my-refi-options/452162/ 2012-07-23T04:22:00Z Looking for HARP 2.0 lender in South Carolina refi of a LTV of 107% and PMI... any suggestions? http://www.zillow.com/advice-thread/Looking-for-HARP-2-0-lender-in-South-Carolina-refi-of-a-LTV-of-107-and-PMI-any-suggestions/445008/ Fannie carries the loan and the MI is Genworth Mortgage Insurance in Atlanta. <br/><br/>BTW my credit is 800+<br \><br \>0 replies Thu, 31 May 2012 19:18:00 GMT http://www.zillow.com/advice-thread/Looking-for-HARP-2-0-lender-in-South-Carolina-refi-of-a-LTV-of-107-and-PMI-any-suggestions/445008/ 2012-05-31T19:18:00Z How can I get a quick and painless refinance without all the hassle and apprasial? http://www.zillow.com/advice-thread/How-can-I-get-a-quick-and-painless-refinance-without-all-the-hassle-and-apprasial/491600/ I am not a mortgage pro, so please verify this information with a lender. But, I like to play with numbers...<br/><br/>Note: Principal and interest (P/I) on 126K @ 5.85% over 360 months works out to $743/month, so I am assuming that the $920 includes escrows.<br/><br/>Using your original numbers (30yr, 5.85%, 89K balance after 10'ish years), and averaging $350 extra principal per month, your loan will be paid off in about 11 years. During that time, you will pay about $145K towards P/I.<br/><br/>If you refi the $89K over 30yrs @ 3.5%, the potential diff in P/I is $343/month. With the $350/month for the prior calc, that's $693/month that you can play with.<br/><br/>Talk to a mortgage lender who is willing to sit down and run some numbers for you. I have a feeling you can do very well...and still have extra monthly cashflow that you can either apply to the mortgage, save, or whatever.<br \><br \>0 replies Fri, 10 May 2013 04:20:00 GMT http://www.zillow.com/advice-thread/How-can-I-get-a-quick-and-painless-refinance-without-all-the-hassle-and-apprasial/491600/ 2013-05-10T04:20:00Z How can I refinance my manufactured home? http://www.zillow.com/advice-thread/How-can-I-refinance-my-manufactured-home/505700/ Is your current mortgage an FHA loan?&nbsp; If so you can do an FHA streamline refinance, however it does require the last 12 months to be on time.&nbsp; Contact me through my&nbsp;profile if you need any assistance or have questions on it.&nbsp; Manufactured homes can be a niche that a lot of lenders don't participate in.<br \><br \>0 replies Wed, 07 Aug 2013 20:12:00 GMT http://www.zillow.com/advice-thread/How-can-I-refinance-my-manufactured-home/505700/ 2013-08-07T20:12:00Z My son has a first mortgage with a balance of $89,500 with 6.5% interest rate. http://www.zillow.com/advice-thread/My-son-has-a-first-mortgage-with-a-balance-of-89-500-with-6-5-interest-rate/215102/ He also has a second <a href="http://www.zillow.com/mortgage/">mortgage</a> with an interest only <a href="http://www.zillow.com/mortgage/">loan</a> in the amount of $22,500.&nbsp; His current monthly payments for both are over $700.&nbsp; I am wondering if he can combine the <a href="http://www.zillow.com/mortgage/">loans</a> into one loan and save money on his monthly note.&nbsp; His property value is $100,000 and he would need $112,000 to address both his current first and second mortgage loans.&nbsp; He is employed and earns approximately $40 K per year.<br \><br \>2 replies Wed, 25 Mar 2009 16:39:00 GMT http://www.zillow.com/advice-thread/My-son-has-a-first-mortgage-with-a-balance-of-89-500-with-6-5-interest-rate/215102/ 2009-03-25T16:39:00Z Townhome in MA, would like 85-90% Loan to Value http://www.zillow.com/advice-thread/Townhome-in-MA-would-like-85-90-Loan-to-Value/431926/ That sounds very encouraging so far. If you do not pay mortgage insurance then it probably wont be worth refinancing unless the 4.75% is an Arm or 15 Year Fixed. So, do you pay MI and is the 4.75% on a 30 Year?<br \><br \>0 replies Wed, 15 Feb 2012 01:27:00 GMT http://www.zillow.com/advice-thread/Townhome-in-MA-would-like-85-90-Loan-to-Value/431926/ 2012-02-15T01:27:00Z Cash Out Refi ?? http://www.zillow.com/advice-thread/Cash-Out-Refi/298790/ How long were you out of work? When was your last appraisal? And have you been late on your <a href="http://www.zillow.com/mortgage/">mortgage</a> payment in the last 12 months? &nbsp;A letter of explanation will be fine for the gap of employment. So you should be fine!<br/><br/>&nbsp;<br \><br \>0 replies Tue, 17 Nov 2009 15:56:00 GMT http://www.zillow.com/advice-thread/Cash-Out-Refi/298790/ 2009-11-17T15:56:00Z Thinking of refinancing...advice? http://www.zillow.com/advice-thread/Thinking-of-refinancing-advice/445868/ Check with some mortgage advisors for the right answer. <br/>I have heard that if you are not planning to stay in a home for a long time that it is not always worth it in the long run. I try to pay toward the principal on our loan when possible and that helps quite a bit.<br/>Sometimes it doesn't always make sense to spend the upfront fees to save a little in the long run, especially if you are not going to be there long.<br/><br \><br \>0 replies Thu, 07 Jun 2012 03:42:00 GMT http://www.zillow.com/advice-thread/Thinking-of-refinancing-advice/445868/ 2012-06-07T03:42:00Z Refi two Mortgages into 1 with 100% LTV http://www.zillow.com/advice-thread/Refi-two-Mortgages-into-1-with-100-LTV/470885/ <p class="MsoNormal">We have a Loan since 2005 on our house for $124K in SC.&nbsp; It is just a conventional Fixed 30yr Loan.&nbsp; In 2009 we got our house reappraised ($155K)&nbsp;and got a Home Eq Loan.&nbsp; We want to Refinance our house and either get the two loans put into one or just Refi the house and keep the Home Eq Loan the same.&nbsp; I have good credit 715 but when the house was reappraised they gave us 5 comps. 4 of them in the $150K-$180K on my street and one in a rough neighborhood that was $115K so this one brought the value of my home down to $130K.<br/><br/>Ok now for the questions.&nbsp; The remaining on my two loans with closing costs would be $130K-$132K which would put me to ~100% LTV.&nbsp; Would I be able to get a Loan of any kind to combine both.<br/><br/>Or is it possible to keep the Home Eq Loan the same and just refinance the House which we owe around $108K on.<br/><br/>I have tried to deal with local banks with no luck.&nbsp; They just say no but do not say no to what and why and is it their rules or federal laws.&nbsp; Any help would be greatly appreciated.</p><br \><br \>6 replies Mon, 10 Dec 2012 15:20:00 GMT http://www.zillow.com/advice-thread/Refi-two-Mortgages-into-1-with-100-LTV/470885/ 2012-12-10T15:20:00Z I just bought a new car, will it affect my ability to refi my home, I bought 3 years ago at 6.5%? http://www.zillow.com/advice-thread/I-just-bought-a-new-car-will-it-affect-my-ability-to-refi-my-home-I-bought-3-years-ago-at-6-5/178222/ Do you have a VA (veterans) loan? If so, do a Streamline <a href="http://www.zillow.com/refinance/">Refinance</a>. Very cheap and they only look at your <a href="http://www.zillow.com/mortgage/">mortgage</a> history.<br \><br \>0 replies Sat, 07 Feb 2009 15:19:00 GMT http://www.zillow.com/advice-thread/I-just-bought-a-new-car-will-it-affect-my-ability-to-refi-my-home-I-bought-3-years-ago-at-6-5/178222/ 2009-02-07T15:19:00Z Any reviews on either Roundpoit Mortgage or B&C National Bank for mortgages? http://www.zillow.com/advice-thread/Any-reviews-on-either-Roundpoit-Mortgage-or-B-C-National-Bank-for-mortgages/509792/ 1 reply Tue, 03 Sep 2013 16:21:00 GMT http://www.zillow.com/advice-thread/Any-reviews-on-either-Roundpoit-Mortgage-or-B-C-National-Bank-for-mortgages/509792/ 2013-09-03T16:21:00Z