Category Archives: Renting & Real Estate

How would you finance a vacant land purchase with this scenario?

Michael G asked: I have a current mortgage of $135,000 on my primary residence. This single family home is valued at $300,000. I want to buy a piece of vacant land for $145,000. I have $40,000 to put down on … Continue reading

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I have a 30 yr. fixed 1st mortgage of 160K at 5.875% and a 20 yr. fixed 2nd mortgage of 40k at 9.00% since ’03

Spaghetti asked: I’ve bought it in April of 2003 in Kihei,HI at 201K.The value of the condo now (Feb.’08) is approx. $350K or even higher.Now,what I would like to do is either combine the 2 mortgages into one or pay … Continue reading

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Sell home and walk away with 0, or short sale, or quit claim deed?

hyr asked: We have to move. We have a mortgage of $280,000 and a $20,000 home equity loan. IF we can sell it, we’d probably walk away with nothing, 0 cash after closing. Since that’s not helping me, why not … Continue reading

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can i use my homes equity to purchase investment property?

Maria M asked: i have a 1st and 2nd mortgage on my home but i have enough equity to purchase or place a down payment on a second home. i’m looking at refi the 2nd mortgage for a line of … Continue reading

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My mortgage broker wants to submit my paperwork to another lender?

are we there yet asked: Is this normal?? Does that mean that the other lender has denied me?? She said she is still working with the first lender, but she thinks that this other lender might be able to give … Continue reading

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Refi’d Mortgage for debt consolidation – No one paid off creditors ?

Leea asked: When I refinanced my mortgage in May 07 the mortgage broker included 5405.01 in payments allocated to credit collections on my HUD statement. His broker fees were around 6900. I explained that the bulk of the CC collections … Continue reading

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I have a 30 yr. fixed 1st mortgage of 160K at 5.875% and a 20 yr. fixed 2nd mortgage of 40k at 9.00% since ’03

Spaghetti asked: I’ve bought it in April of 2003 in Kihei,HI at 201K.The value of the condo now (Feb.’08) is approx. $350K.Now,what I would like to do is either combine the 2 mortgages into one or pay off the 2nd … Continue reading

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Is this right.foreclosure after spending equity loan?

iDork asked: Say I purchased a home before the housing boom so it was bought at a reasonable price. Then the boom happened. My house went up in value about $200,000 and so I took out a 2nd mortgage/equity loan. … Continue reading

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Questions about capital gain and the USDA Rural Development Loan?

Lacey asked: My husband and I have had our house since June of 2008. We need to relocate and worry about selling our first house. Question #1—How do capital gains work? Our purchase price was $80,000. Which, was a seemed … Continue reading

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