Zillow Advice RSS: Question-Discussion-Guide,Refinance,San Mateo- CA http://www.zillow.com/advice/San-Mateo-CA/mortgage-refinance/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How do I find out if my home is going to be foreclosed? http://www.zillow.com/advice-thread/How-do-I-find-out-if-my-home-is-going-to-be-foreclosed/559245/ 1725 Eleanor Drive, San Mateo, CA 94402.<br \><br \>8 replies Sun, 14 Sep 2014 21:29:00 GMT http://www.zillow.com/advice-thread/How-do-I-find-out-if-my-home-is-going-to-be-foreclosed/559245/ 2014-09-14T21:29:00Z Need refi advice--Can't find a lender to help us despite income&gt;$110k and LTV&lt;70% http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ I need help with finding a lender to do a refi in California. &nbsp;Our house is worth about $850k and we have a 1st mortgage with about $370k left to pay at 6.25%, and a 2nd mortgage with about $110k left at 7.25%. &nbsp;So we want to refi, obviously. &nbsp;The issue is that our monthly payments are so high, and my salary has decreased recently, so now we're stretched too thin. &nbsp;We bring home about $6800 net but have $4500 of monthly payments to make. &nbsp;As a result, we have two 30-day lates in the last year on our 1st mortgage. The rest of our credit profile is neither great nor bad; we have no car loans and a few credit card payments, about $750/month. &nbsp;I got one score last week of 620; my wife's is likely higher. &nbsp;We talked to one broker last week who told us that it was the 30-day-lates that disqualified us from being helped by him.<br/><br/>Anybody have any advice? &nbsp;Is there any lender who can help us? &nbsp;Or are we stuck in a loop where we need to lower our payments, but we can't because we can't make the payments that we need to lower?<br \><br \>4 replies Wed, 06 Mar 2013 20:34:00 GMT http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ 2013-03-06T20:34:00Z Investment duplex, $625k loan refinance with 75% LTV possible in California Bay Area? http://www.zillow.com/advice-thread/Investment-duplex-625k-loan-refinance-with-75-LTV-possible-in-California-Bay-Area/446922/ <p>Non-owner occupied duplex in San Mateo, CA&nbsp; 94402 valued at $850k.&nbsp; Outstanding balance $635k with an existing 5.875% loan.&nbsp;&nbsp;Looking for a 30 year fixed refinance&nbsp;to&nbsp;a lower interest rate.&nbsp;&nbsp;Credit and income excellent.&nbsp; Can find loans to 70% LTV, but not&nbsp;75%.&nbsp;&nbsp;Not a Freddie/Fannie existing loan.&nbsp;&nbsp;Is money&nbsp;that tight?&nbsp;</p><br \><br \>4 replies Fri, 15 Jun 2012 01:19:00 GMT http://www.zillow.com/advice-thread/Investment-duplex-625k-loan-refinance-with-75-LTV-possible-in-California-Bay-Area/446922/ 2012-06-15T01:19:00Z 80% LTV in Bay Area with Credit Scores of 600-650 http://www.zillow.com/advice-thread/80-LTV-in-Bay-Area-with-Credit-Scores-of-600-650/209357/ Home worth 900,000, 1st of 614,000, 2nd of 100,000, income of 150,000 - any chance of refi and combining both?&nbsp; Any suggestions on repair of credit (all my collections are old medical bills) current on everything.&nbsp; Thank you<br \><br \>4 replies Wed, 11 Mar 2009 20:32:00 GMT http://www.zillow.com/advice-thread/80-LTV-in-Bay-Area-with-Credit-Scores-of-600-650/209357/ 2009-03-11T20:32:00Z Refinance a home with High LTV http://www.zillow.com/advice-thread/Refinance-a-home-with-High-LTV/200422/ I looking to <a href="http://www.zillow.com/refinance/">refinance</a> a home I brought in December '07 in San Mateo (94402). My LTV -90%, but we have great credit scores and good Income to debt ratios but I am unable to find a way to lower my payments.<br/><br/>1st Mortgage: 7/1 IO ARM at 6.125%<br/>2nd Mortgage: 15 yr balloon 7.5%<br/><br/><br \><br \>3 replies Tue, 17 Feb 2009 20:19:00 GMT http://www.zillow.com/advice-thread/Refinance-a-home-with-High-LTV/200422/ 2009-02-17T20:19:00Z questoin here http://www.zillow.com/advice-thread/questoin-here/186364/ i have a <a href="http://www.zillow.com/mortgage-glossary/Negative-Amortization/">negative amortization</a> on my 1st <a href="http://www.zillow.com/mortgage/">mortgage</a> and&nbsp;on my 2nd i have a 11% <a href="http://www.zillow.com/mortgage/">loan</a>, i owe more than it's worth, i want to modify my loan&nbsp; is that posisble? my payments are current<br \><br \>2 replies Thu, 08 Jan 2009 22:03:00 GMT http://www.zillow.com/advice-thread/questoin-here/186364/ 2009-01-08T22:03:00Z I currently have a 5/1 ARM at 4.375 that adjusts in 6 months. Is it worth getting a refi right now? http://www.zillow.com/advice-thread/I-currently-have-a-5-1-ARM-at-4-375-that-adjusts-in-6-months-Is-it-worth-getting-a-refi-right-now/182906/ 6 replies Tue, 30 Dec 2008 21:54:00 GMT http://www.zillow.com/advice-thread/I-currently-have-a-5-1-ARM-at-4-375-that-adjusts-in-6-months-Is-it-worth-getting-a-refi-right-now/182906/ 2008-12-30T21:54:00Z