How can I refinance my mortgage without putting money down for closing?

I already have a 30 year fixed (6.38%) but would like to take advantage of the lower rates now. My mortgage is through SunTrust and (unfortunately) I have never been late with payments and am not in any financial distress.

Is this possible without bringing any money to the table for closing?

Anyone know of any Mortgage companies that will refinance a part-time employee?

I am very disappointed with my mortgage company and since I work a part-time job, no one else will aid me in refinancing for a lower interest rate. My mortgage interest rate went up this year by 2% and as I know they will continue to increase every 3-6 months.
I went from 7.1% to 9.1%. I been at my part time job for a little over a year. I had plans to sell my home this year but early last year the day my sister passed, I was given a letter from my full time job that I am laid off and they were going to let me know 2 weeks from that date but since I had to take a leave, they gave it to me earlier. Have not worked a full time since. Can someone please provide some sound information for I am desperate and do not want to lose what has taken me ten years to keep.

Thanks
I live in Illinois. SO far I only had one company run my credit and they states that I am at 633, he also advise me to mention this to other lenders and I know not to release my soc. sec number. Since then I have paid off another bill so my score may be a bit higher.

Which of these two home finance options do you think are better?

Considering a refinace on my home. Which of these two do you think is a better option. The first is our current mortgage details, second is a refinance option. Thanks

(1) Mortgage amount owed = $128,273.77. Payment is $1197.63 a month (this includes a 5.50% interest rate) x 347 payments

(2) Mortgage amount owed = $132,000.00. Payment is $1233.59 a month (this includes a 4.25% interest rate) x 240 payments + a one time $1850 charge to refinance
That was my calculation as well. I ask because a friend of mine was saying I needed to consider that I will be paying less in taxes so my tax return would suffer. . . but that is not a reason to pay a loan longer is it?

Looking for a mobile home mortgage with bad to medium credit?

We have land with approximately 25000 equity in it. Owe 7500 and want to use the equity towards the purchase and pay the land off and refinance it with the mobile home loan. but due to my brother having his 35 year old mobile home on my property I am having a problem finding a lender that will do this. His home is in his name and is not part of the appraisal on my property. Our credit scores are approx 540 to 600 not sure of the exact figure. Does anyone know who can help us?
We wish to purchase a 2006 or 2007 new mobile home from a dealer.We have land with approximately 25000 equity in it. Owe 7500 and want to use the equity towards the purchase and pay the land off and refinance it with the mobile home loan. but due to my brother having his 35 year old mobile home on my property I am having a problem finding a lender that will do this. They want us to split the property into 2 deeds. Due to zoning restrictions we cannot do this. His home is in his name and is not part of the appraisal on my property. Our credit scores are approx 540 to 600 not sure of the exact figure. Does anyone know who can help us?

Does it make sense to consolidate a second mortgage?

I’ve thought about renting out my house and buying a second home.

Is it better to have 2 separated mortgages or consolidate them?

Need Help (Advice) – home Forclosure.?

I have a home mortgage of $280K built in 1955 and have a variable rate loan with the 4 pymts options and I have been making pymnt #4 going negative on my loan and my variable rate will change early next year to worst.

The actual cash value on my home is $285K I can’t refinance my house and it will take longer to sale it because it’s very old and needs work.

Both I and my wife have excellent credit score over 700 and were thinking about buying a brand new home for $255K and have similar payments at a fixed rate and letting my old house go foreclosure.

Can I do that? Would my credit get ruin? What would happen if my current lender finds out that I am not making payments on my current house and that I’m in the process of buying a new home?

I’m planning on calling my current lender and letting them know that I can’t make payments but that’s after I know that I have been approved and I’m living on my brand new home. Please advice need help.

Thanks,

mm

Why should I agree to this…foreclosure question.?

We relocated over a year ago to a new state. Our home in FL has not sold and has lost $89,000 in value. The bank was given an offer for $10,000 more than the home currently appraised for but turned it down. Now they are offering me a deed in lieu and asking me to sign a promisary note for $30,000 to give my house back to them. They say they do not want the promisary note but the private mortgage insurance is requiring it. We have tried so hard to work with our lender but they just push us around. We have gone through all of our savings and cashed out our 401k’s so I think I have lost enough. Should i sign the promisary note for $30,000 or let the house just foreclose? I know the sentae passed the bill so I can not receive a 1099, but can they come after me for more?

Need ALOT of help with Us history??!?

Need Help With Us history please!?
PLEASE HELP ME THIS IS BY FAR THE HARDEST AND MOST CONFUSING SUBJECT EVER AND THE WORST PART IS MY ONLINE TEXTBOOK ISNT WORKING AND I DONT KNOW WHERE TO LOOK FOR THESE ON THE INTERNET PLEASE HELP ME YOU GUYS IM BEGGING YOU?????

President Theodore Roosevelt was known as a trustbuster. What was Roosevelt’s concern with large trusts and businesses?
A. They were not accountable to the government.
B. He believed that monopolizing power was hurtful to consumers and competition in the country.
C. They did not provide economic growth for the country.
D. They kept laying off workers and lowering wages.

2. How did Roosevelt establish the federal government as an honest mediator between powerful groups like unions and business in American society?
A. He forced the unions to negotiate over wages and working conditions.
B. He forced businesses to pay their workers higher wages.
C. He intervened in a mine workers strike and forced the two sides into arbitration to resolve their differences.
D. He passed a law requiring the federal government to get involved in labor disputes and help resolve major issues.

3. How did the Hepburn Act strengthen federal regulation of business?
A. The act gave the ICC more power by allowing it to set the rates that railroads charge.
B. The act created the Department of Commerce.
C. The act created the Interstate Commerce Commission.
D. The act allowed the federal government to regulate all prices that transportation companies charged customers.

4. Upton Sinclair was a muckraker who published The Jungle about the meatpacking industry. The book caused consumers to seek after change in the meatpacking industry. Soon after, Congress passed the Meat Inspection Act of 1906, which
A. prohibited the manufacture, sale, or shipment of impure or falsely labeled food and drugs.
B. required that all meat be inspected and set standards of cleanliness for the plant.
C. required all meat to go through the Food and Drug Administration’s testing and inspection process.
D. prohibited the sale of meat through any business not approved by the federal government.

5. All of the following conservation measures was passed under Roosevelt EXCEPT:
A. Newlands Reclamation Act
B. Establishment of the United States Forest Service
C. Federal regulations controlling logging on federal lands
D. Endangered Species Act

6. How did President William Taft deal with the issue of child labor?
A. He signed a law banning children under the age of 18 from working in factories.
B. He increased wages that companies had to pay child workers.
C. He fined companies that forced children to work over 20 hours per week.
D. He established the Children’s Bureau to prevent child abuse and provide foster care.

7. In the election of 1912 what was the major difference between Roosevelt’s New Nationalism and Wilson’s New Freedom?
A. Roosevelt wanted to protect children and women in the labor force and Wilson did not.
B. Wilson wanted to have free enterprise and Roosevelt did not.
C. Wilson wanted to destroy the business monopolies while Roosevelt wanted to regulate them.
D. Roosevelt was a progressive and Wilson was not.

8. To restore public confidence in the banks, Wilson signed into law the Federal Reserve Act. What was the purpose of this act?
A. Provided for national oversight of the banking system such as setting the interest rates and controlling the amount of money in circulation
B. Provided the national government the power to investigate companies and halt those companies engaged in unfair trade practices
C. Forbade businesses from price discrimination or charging different customers different prices
D. Lowered tariff rates to increase the reserves of gold in the federal treasury

9. The Clayton Antitrust Act contained all of the following clauses except:
A. Forbade businesses from price discrimination or charging different customers different prices
B. Outlawed agreements where stores who bought from one company would stop selling another company’s products
C. Denied trade unions and labor organizations a right to exist in the free enterprise system
D. Manufacturers could give discounts to some retailers who bought a large volume of goods but not to others

10. What was the most significant impact of the Progressive Era?
A. The conservation efforts under Roosevelt
B. Legal and public opinion shifted to expect the federal government to play a more active role in regulating the economy and solving social problems.
C. Public opinion began to turn against the regulations that the federal government had created and focused on developing a more efficient free enterprise system.
D. The legal system overturned most of the progressive laws that had been passed.

Heres the best plan to save the economy, What do you think?

>
>
> Here’s a plan to solve the current economic crisis, what do you
think?
>
> Here’s a plan lots of folks could get behind!!!
> ================================
> I’m against the $85 BILLION bailout of AIG. Instead, I’m in
favor of
giving $85,000,000,000 to America in a “We Deserve It” dividend. To
make the
math simple, let’s assume there are 200,000,000 bona fide U.S. Citizens,
aged 18+.
>
> Our population is about 301 million counting every man, woman and
child. So, 200,000,000 might be a fair stab at adults 18 and up. Now, divide
200 million, 18+ adults into $85 billon – that equals $425,000.00 each!
Yes, my plan is to give that $425,000 to every adult as a “We Deserve
It”
dividend.
>
> Of course, it would NOT be tax free. So, let’s assume a tax rate
of
30%. Every recipient would pay $127,500.00 in taxes. That sends $25.5
billion right back to Uncle Sam! It also means that every adult 18+ has
$297,500.00 in their pocket. A husband and wife would have $595,000.00!
>
> What would you do with $297,500.00 to $595, 000.00?
> . Pay off your mortgage – housing crisis solved
> . Repay college loans – what a great boost to new grads
> . Put away money for college – it’ll really be there
> . Save in a bank – create money to loan to entrepreneurs
> . Buy a new car – create jobs
> . Invest in the market – capital drives growth
> . Pay for your parent’s medical insurance – health care
improves
> . Enable Deadbeat Dads to come clean – or else
>
> Remember this is for every adult U.S. Citizen, 18 and older
(including the folks who lost their jobs at Lehmann Brothers and every other
company that is cutting back) and of course, for those serving in our Armed
Forces.
>
> If we’re going to re-distribute wealth let’s really do it!
Instead
of trickling out a puny $1,000 economic incentive.
>
> If we’re going to do an $85 billion bailout, let’s bail out
every
adult U.S. Citizen!!
>
> As for AIG – liquidate it.
> . Sell off its parts.
> . Let American General go back to being American General.
> . Sell off the real estate.
> . Let the private sector bargain hunters cut it up and clean
it up.
>
> We deserve the money and AIG doesn’t. Sure it’s a crazy
idea, but
can you imagine the coast-to-coast block party?!
>
> How do you spell Economic Boom? W-e D-e-S-e-R-v-e I-t
d-I-v-I-d-e-n-d!
>
> I trust my fellow adult Americans to know how to use the $85 Billion
“We Deserve It” dividend more than I do the geniuses at AIG or in
Washington, D.C.
>
> And remember, this plan only really costs $59.5 billion because
$25.5 billion is returned instantly in taxes to Uncle Sam.
>
>

Why are 30 year fixed mortgage rates increasing so much over the past month?

This is puzzling to me considering the economy and people’s need to refinance. You would think that the rates would drop or remain lower in order to encourage more buyers to enter the marketplace. So, why have average rates jumped from 5.75 to 6.50 over the last month? Will they drop back during the spring?