Any homeowners here?

[mannyb18b]

and people that can lie.

Not too much you can lie about

 

[mannyb18b]

Hell with these programs and trying to stimulate the economy you can get some ridiculous rate's like 4-4.5% if you talk to the right people. 1 example would be us

 

[crunktimes.com 5,000+ posts]

Hell with these programs and trying to stimulate the economy you can get some ridiculous rate's like 4-4.5% if you talk to the right people. 1 example would be us

Can you please send me your phone #? I am very interested

 

[mannyb18b]

Can you please send me your phone #? I am very interested

Ya just like you were interested in buying that street bike? //content.invisioncic.com/y282845/emoticons/laugh.gif.48439b2acf2cfca21620f01e7f77d1e4.gif

 

[TrippleT 10+ year member]

lmao.

 

[denim 5,000+ posts]

We are doing fine in ours. Would like the value to come up so we could do a HELOC to replace the deck.

 

[2002XLT 5,000+ posts]

I have a mortgage but bought after the housing crash, got a great deal and @ 6.5% iirc. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

1100 a month FTW!

 

[Jeremy M 10+ year member]

onlything that has effected us was our taxes went up....so it was either our monthly mortgage goes up or we pay 600 bux to get it upto date....we aren't behind at all but if we wanted to keep our payments as is we had to shell out 6bills. but we're in a fixed rate at 6.25% for 30yrs. but obviously we dont' wanna be in the loan for that long, so we make 2 payments a month and every time our income tax comes around we throw another mortgage payment. this should knock anywhere from 10-15 yrs off the mortgage.

it's important to get in on a fixed rate.

 

[mannyb18b]

onlything that has effected us was our taxes went up....so it was either our monthly mortgage goes up or we pay 600 bux to get it upto date....we aren't behind at all but if we wanted to keep our payments as is we had to shell out 6bills. but we're in a fixed rate at 6.25% for 30yrs. but obviously we dont' wanna be in the loan for that long, so we make 2 payments a month and every time our income tax comes around we throw another mortgage payment. this should knock anywhere from 10-15 yrs off the mortgage.
it's important to get in on a fixed rate.

Why did your taxes go up? Did you make home improvements?

 

[mannyb18b]

I have a mortgage but bought after the housing crash, got a great deal and @ 6.5% iirc. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif
1100 a month FTW!

Good stuff, some people aren't as fortunate. That seems like a good loan, and the rate's are going up and they are not going to go down. National average right now is 6.37 and it's on a steady climb.

 

[SethPhillips 5,000+ posts]

i bought mine before all this house crash stuff happend. my monthly mortgage is 900.00 a month,

was spliting that with a roomate but he moved out.

i work commision so it get's scary every once and awhile.

 

[mannyb18b]

i bought mine before all this house crash stuff happend. my monthly mortgage is 900.00 a month,
was spliting that with a roomate but he moved out.

i work commision so it get's scary every once and awhile.

are you in a fixed?

 

[SethPhillips 5,000+ posts]

fixxed rate. my mother is very good friends with the mortgage lender.

she allso was good friends with the daughter of the house i bought, got it for pretty cheep.

 

[mannyb18b]

oh and we have a HUUUUUGE list of lenders we work with so you always have the option of re-financing into a lower rate,lower payment, or maybe your just looking to pay of tens of thousands of dollars in credit card debt or whatever.

little idea of how many lenders I can try to get an approval through

21ST MORTGAGE CORPORATION

ACCREDITED HOME LENDERS, INC

ACOPIA CAPITAL

ACUPEN FINANCIAL LLC

ADVANTAGE CAPITAL

AGRI FINANCIAL SERVICES

ALLIED MORTGAGE & FINANCE CORP

ALTERNATIVE LENDING SOLUTIONS

ALTERNATIVE MORTGAGE EXPRESS (AMX)

AMERIBANK MORTGAGE

AMERIBANK MORTGAGE

AMERICA HOME KEY

AMERICA WEST BANK

AMERICAN GENERAL

AMERICAN MTG. EXPRESS (AMX)

AMERICAN FINANCIAL RESOURCES

AMERICAN FIRST FINANCIAL, INC.

AMERICAN HOME EQUITY

AMERICAN LENDING CORP.

AMTRUST / OHIO SAVINGS BANK

ASSURITY FINANCIAL

ASTORIA FEDERAL SAVINGS

AUSTIN PERRY (formally Northern Pacific)

AXIS MORTGAGE (div of first rate capital)

BANCO POPULAR

BANK OF AMERICA (REVERSE ONLY)

BANK OF AMERICAN FORK

BANK OF ANN ARBOR

BANK OF ANN ARBOR

BANKERSWEST FUNDING CORP.

BAY EQUITY LLC

BEAR STEARNS

BEEHIVE CREDIT UNION

BIRMINGHAM BANCORP

BISMARK MORTGAE CO.

BLUESTONE

BOTTOMLINE MORTGAGE

BROKER CAPITAL FUNDING, INC.

BUSINESS CREDIT (COMMERCIAL)

CAPSTONE LENDING

CENTENNIAL BANK

CENTENNIAL BANK (COMMERCIAL)

CENTRALBANC MORTGAGE CORPORATION

CFG BANCORP

CHARTER BANK

CHASE RURAL

CHASE WHOLESALE (SLC)

CHASE WHOLESALE (OREM)

CHEVY CHASE BANK

CITI MORTGAGE/INTERFIRST (SLC)

CITI RESIDENTIAL (FORMALLY ARGENT)

CITIZENS HOME LOAN INC.

CMG MORTGAGE

COLONIAL NATIONAL MORTGAGE

COMMERCIAL LENDING CAPITAL

CONSTRUCTION CAPITAL SOURCE

COMMUNITY FIRST BANK (CFB LOAN SERVICES)

COMNET FINANCIAL CORP

CONSTRUCTION FIN. GROUP

CORAL MORTGAGE BANKERS CORP

COUNTRYWIDE

COUNTRYWIDE

CREDIT SUISSE

CTW FINANCIAL SERVICES

CTW FINANCIAL SERVICES

DIRECT EQUITY MORTGAGE LLC

D&R FINANCIAL GROUP (only tx,fl, az,nm,

DOWNEY SAVINGS & LOAN

EASTERN SAVINGS BANK

E-MAGIC

ENCORE CREDIT CORPORATION

ENTRUST

ESSEX MORTGAGE

EQUIFIRST CORPORATION

EQUITY ONE (COMMERCIAL)

EVER BANK

EVERBANK REVERSE

FAMILY FIRST CREDIT UNION (CONST.)

FEDERAL GUARANTY MORTGAGE CO

FIFTH THIRD BANK

FINANCIAL FREEDOM

1ST ADVANTAGE MORTGAGE(formally DK Funding)

FIRST AMERICAN MORTGAGE TRUST

FIRST BEACON FINANCIAL

FIRST CHESAPEAKE HOME MORTGAGE

FIRST GUARANTY FINANCIAL CORP.

FIRST GUARANTY MORTGAGE CO.

FIRST HORIZON - WHOLESALE

1ST MARINER BANK

FIRST MORTGAGE CORP

FIRST NATIONAL BANK OF NASSAU

FIRST UTAH BANK

FLAGSTAR BANK

FLORIDA CAPITAL BANK MORTGAGE

FORTES RESIDENTIAL MORTGAGE

FOUNDATION CONSTRUCTION LENDING

FRANKLIN AMERICAN

FRANKLIN FINANCIAL

FREEDOM MORTGAGE

FRONTIER BANK (CONSTRUCTION)

GATEWAY MORTGAGE

GB HOME MORTGAGE

GENERATION MORTGAGE

GOLD REVERSE, INC

GREYSTONE FINANCIAL GROUP

HARBOR CAPITAL PARTNERS

HELVETICA GROUP

HOLLANDER FINANCIAL

HOMECOMINGS FINANCIAL

HSBC

ICON RESIDENTIAL CAPITAL

ING LOANS

INOVI FUNDING

INTERBAY FUNDING (COMMERCIAL)

IRWIN HOME EQUITY

JAMES B NUTTER & CO

JANUS MORTGAGE

JFK FINANCIAL INC.

JMAC LENDING

JMAC LENDING

JP FUNDING (ITIN#'S) CA, CO, NV ONLY

KEY BANK

LANDMARC CAPITAL (ARIZONA ONLY)

LEADER FINANCIAL GROUP

LENDER LEAD SOLUTIONS (LLS FINANCIAL)

LENDING FIRST MORTGAGE

LIBERTY REVERSE MORTGAGE

LIME FINANCIAL/CREDIT SUSSIE

LJL FUNDING

LLS FINANCIAL (LENDER LEAD)

MANHATTAN FINANCIAL GROUP, INC.

MBS MORTGAGE

METROCITIES MORTGAGE LLC

METWEST

M & I HOME LENDING SOLUTIONS

M & T MORTGAGE

MINVEST FINANCIAL

MIRAD FINANCIAL

(THE) MONEY STORE

MORTGAGE CLOSE

MORTGAGE CO-OP

MORTGAGE OUTLET, THE

MORTGAGE PLUS FUNDING

MORTGAGE SOLUTIONS OF COLORADO, LLC

MOUNTAIN AMER. (CONSTRUCTION)

MOUNTAIN VIEW MORTGAGE (MVM)

MSI MORTGAGE SERVICES III, LLC

NATIONS DIRECT

NATIONWIDE COMMERCIAL LENDING

NETMORE AMERICA

NEW LINE MORTGAGE (OREM)

NEW LINE MORTGAGE (SLC)

NEW WORLD COMMERCIAL LENDER

NORTHPOINTE LENDING

NOVELLE MTG.

OAKTREE FUNDING

PACIFIC RESIDENTIAL FINANCE

PARAMOUNT RESIDENTIAL MTG. GROUP

PERFECT FHA MORTGAGE

PHOENIX FUNDING

PLAZA HOME MORTGAGE

PMAC LENDING

PMC BANCORP

POLARIS FUNDING (FL, IN, MI, OH)

PREMIER MORTGAGE CAPITAL

PRIME ALLIANCE BANK

PRIMEQUITY LLC

PROTO FUND MORTGAGE CORP

PROVIDENT FUNDING ASSOCIATES

RAINLAND MORTGAGE COMPANY

REHAB FUNDING

REM CAPITAL GROUP (COMMERCIAL)

REUNION MORTGAGE

RMC FUNDING

ROMAN CAPITAL GROUP

SECURITY ATLANTIC

SENDERRA FUNDING

SIERRA PACIFIC HOME LOANS

SIERRA PACIFIC MORTGAGE

SILVER HILL FINANCIAL

SOUTH LAKE MORTGAGE CAPITAL

STEARNS LENDING, INC. (SLC)

STEARNS LENDING, INC. (OM)

SUNTRUST MORTGAGE

SUN WEST MORTGAGE (RVS. MTGS.)

TAYLOR, BEAN & WHITAKER

TAYLOR, BEAN & WHITAKER (CONSTRU)

THORNBURG MORTGAGE

TITAN WHOLESALE

TOPDOT MORTGAGE

TRIBECA LENDING CORP.

TRILOGY COMMERCIAL LENDING

TRUST ONE MORTGAGE CORPORATION

UNITED GENERAL MTG. CORPORATION

UNITED MIDWET SAVINGS BANK

UNITED RES. LENDING (UR LENDING)

UNITED SECURITY FINANCIAL

UNITED WHOLESALE MORTGAGE

UNIVERSAL LENDING CORPORATION

UNIVERSAL MORTGAGE

URBAN FINANCIAL GROUP/REVERSE IT

US BANK

US BANK (COMMERCIAL)

US BANK HOME MORTGAGE

UTAH WHOLESALE MORTGAGE

VANDERBILT MORTGAGE & FINANCE, INC.

VARENT WHOLESALE LENDING

VELOCITY COMMERCIAL CAPITAL

VENTA WHOLESALE

VERTICE (FORMALLY AMNET)

WACHOVIA (SLC)

WACHOVIA (OREM)

WACHOVIA (OREM & SLC)

WASHINGTON FEDERAL SAVINGS

WELLS FARGO - HOME EQUITY

WELLS FARGO

WESTMINSTER FINANCIAL CORP

WILMINGTON FINANCIAL

US BANK HOME MORTGAGE

UTAH WHOLESALE MORTGAGE

VANDERBILT MORTGAGE & FINANCE, INC.

VARENT WHOLESALE LENDING

VELOCITY COMMERCIAL CAPITAL

VENTA WHOLESALE

VERTICE (FORMALLY AMNET)

WACHOVIA (SLC)

WACHOVIA (OREM)

WACHOVIA (OREM & SLC)

WASHINGTON FEDERAL SAVINGS

WELLS FARGO - HOME EQUITY

WELLS FARGO

WESTERN RESIDENTIAL MORTGAGE

WESTMINSTER FINANCIAL CORP

WILMINGTON FINANCIAL

 

[Jeremy M 10+ year member]

Why did your taxes go up? Did you make home improvements?

yah, well everyones did here.

Although i dumped like $2300 in "curb appeal".

but it's no biggie, our mortgage is 1280 a month, we pay 700 every 2 weeks...but our mortgage is now like 1317 or something...so i think we're gonna do 750 every 2 weeks.