|
More site info...
Refinance | Forum profile
|
|
Forum profile page for Refinance on http://www.zillow.com.
This report page is the aggregated overview from a single forum: Refinance, located on the Message Board at http://www.zillow.com.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "Refinance" on the Message Board at http://www.zillow.com is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
|
|
|
|
|
Posting activity on Refinance:
|
|
Week
|
Month
|
3 Months
|
|
Threads:
|
59
|
251
|
913
|
|
Post:
|
153
|
706
|
2,799
|
|
|
Refinance Posting activity graph:
|
Top authors during last week:
Rudi Hofmann, "CA UMB"
17
user's latest post:
Reasonable refinace rate?30 Yrs...
Published (2009-12-02 15:38:00)
Thanks again John! Hi Vlaldi, as you see, I have never originated one of these loans, since I don't originate over 80%. Not that I couldn't, should I desire to do so. cmdc, from what I see, you would receive the same rate that a lender has at 80% as your 84.6%. Folks with lower FICO Scores would not share the same good fortune. Although, if you shop, you certainly would receive a lower rate than what you are stating from...
user's latest post:
Should I refinance?
Published (2009-12-03 15:38:00)
I would agree to Robin. Post your loan amt, new rate and closing cost. I will post some # to look at that way you would be able to decide if it makes sense or not. You are right at the boundary if rates improve you get the benefit of no closing cost financing with slight higher interest rate than the par rate.
Clay Branch, "Georgia...
7
user's latest post:
I did not get any quotes on my...
Published (2009-12-01 15:47:00)
Call Joe Cafiero whose information is over to the right-------------> He can help you out.
Patrick Ignacio, "patrick...
6
user's latest post:
Would like to refi my conv. loan...
Published (2009-12-02 15:46:00)
If the overall terms to refinance your 1st mortgage into a better rate & lower overall payment, then this is definitely possible and i would recommend moving forward. Keep in mind, keeping your 2nd mortgage open (resubordinating the loan) will still require USAA approval and may or may not allow you to refinance. possible options for 1st mortgage are: 1)conventional 1st mortgage at 4.75% rate with mortgage insurance...
user's latest post:
Reasonable refinace rate?30 Yrs...
Published (2009-12-01 15:38:00)
I am in the process of refinancing my house, the appraisal comes back $455000 and I own $385000. My broker quoted with 5.125% without points and the closing cost is about $3500.I refinance under the Freddic Open Access Program with Citimortgage which is also my current lender.I try to contact them but the rate they quoted is high than the broker.
user's latest post:
Reasonable refinace rate?30 Yrs...
Published (2009-12-01 15:38:00)
Contact your broker and ask him/her what it would cost for a lower rate, then make your decision based on that information.
user's latest post:
I refinancing. Should my wife be...
Published (2009-12-02 15:39:00)
More a marital question than a financial one. There are estate planning issues. If she has no income, she can only make the situation more complicated if her credit score is lower than yours. If it's higher, it doesn't help.
user's latest post:
GMAC says Govt Refi 4.875% with...
Published (2009-12-02 15:45:00)
GMAC says to us Relief Refi 4.75% with 2.25 points last week. Our credit score is almost 800, no car/ credit card debt, never late on the mortgage, but can't find a new lender for refi. We have 40K on 2nd. The house value is 420K, our 1st is 412K. What's the deal with Obama's plan????
user's latest post:
Lender distance
Published (2009-11-29 15:54:00)
Why is lender distance a filter on Zillow's refi quote page? Why is distance important or relevant? How does a long-distance refi work vs. a local refi? Thanks.
|
|
|
|
Latest active threads on Refinance::
Started 16 hours, 1 minute ago (2009-12-04 14:53:00)
by Justin Sheftell, "Courtesy Mortgage"
CA State law is impounds mandatory if new loan exceeds 90% of current value. If you are between 80-90, you should have no problem using an escrow waiver in the HARP program.
Started 6 days, 15 hours ago (2009-11-28 15:38:00)
by Robin Armstrong, "Robin Armstrong"
Absolutely if you breakeven on the cost of the refinance in a reasonable time frame. I have a breakeven calculator available for use on my web site!
Started 3 days, 15 hours ago (2009-12-01 15:38:00)
by Justin Kennedy
it should be applied to principal, i always send two different checks, in the note section i write "for principal reduction". you should also ask your servicer if they allows a bi-monthly payment that will excell the payoff as well. if you have any other debts, i would first tackle those since they are not considered tax deductible.
Started 4 days, 15 hours ago (2009-11-30 15:38:00)
by Pat Pribisko, "Pat Pribisko"
Yes, in general for conventional loans, lender's will allow you to "buy down" your rate before the loan documents have been prepared. However, you have to pay your lender to "buy down" the rate; and, you may not want to incur further cost.
Started 2 days, 15 hours ago (2009-12-02 15:46:00)
by Danny Kim, "Bentley Advisors"
Just because you are upside down doesn't mean you must take action. If you are experiencing hardship and fear inability to continue pymts, here are some options. 1. Keep your home and find a way to keep making pymts. 2. Bring cash to the table and refi using Making Home Affordable . 3. Apply for a loan modification w/ your current lender. 4. Rent your home and make up any difference. 5. ...
Started 2 days, 15 hours ago (2009-12-02 15:46:00)
by michael emery, "MikeEmery"
Your income is stated as '$7,400 annual' plus additional income of $1,400 a month. This is giving you a DTI of over 300 percent. Was your annual income incorrect? If so, correct it and resubmit.
Started 2 days, 15 hours ago (2009-12-02 15:46:00)
by Patrick Ignacio, "patrick ignacio"
If the overall terms to refinance your 1st mortgage into a better rate & lower overall payment, then this is definitely possible and i would recommend moving forward. Keep in mind, keeping your 2nd mortgage open (resubordinating the loan) will still require USAA approval and may or may not allow you to refinance. possible options for 1st mortgage are: 1)conventional 1st mortgage at 4.75% rate ...
Started 7 months, 2 weeks ago (2009-04-23 20:46:00)
by Mark Wilkins, "Mark Wilkins"
Shop around. They dont have to do it with that many points.
Started 2 days, 15 hours ago (2009-12-02 15:45:00)
by lifebeyondEarth
No Kidding - Zillow....- where do you get this info
|
|
Hot threads for last week on Refinance::
Started 3 days, 15 hours ago (2009-12-01 15:38:00)
by Larry Jacobson, "Clearpoint"
Depending on what your old rate was and how comfortable you feel about your new payment really determines if it's a good deal to you. Rates could get worse as they are doing today and your 5.125% may not be possible anymore. The spread of 1.55% is between him and the bank but it does affect you. The higher the spread the higher rate you the borrower must take. If you would rather have a ...
Started 6 days, 15 hours ago (2009-11-28 15:38:00)
by Robin Armstrong, "Robin Armstrong"
Absolutely if you breakeven on the cost of the refinance in a reasonable time frame. I have a breakeven calculator available for use on my web site!
Started 5 days, 15 hours ago (2009-11-29 15:54:00)
by Rudi Hofmann, "CA UMB"
Personally, I do not originate loans over 80%. This may be a smart move to stay at 80%, since you have available funds. Your GSE Fees will be less, along with not having Mortgage Insurance or providing funds for impounds in an Escrow Account, for your Taxes & Insurance. There is no entity as a "No Cost Loan." You may have the choice to have your "True Costs" included in your Loan Amount or pay ...
Started 2 days, 15 hours ago (2009-12-02 15:39:00)
by gfacorp
That is a lot of points to get to PAR rate. Keep Shopping.
Started 4 days, 15 hours ago (2009-11-30 15:47:00)
by Rudi Hofmann, "CA UMB"
Usually, this would be the case. Most HELOCs won't subordinate. In fact, many have frozen their accounts.
Started 5 days, 15 hours ago (2009-11-29 15:54:00)
by MyCastle1995
We have our first loan with First Horizon and our second with BOA. Sent in all of the necessary paperwork to refi under the Harp program, the loan was approved pending appraisal. We paid 375.00 out of pocket for an appraisal, which had us just under the 125% LTV ratio. Less than a week later, we were advised that we could not refinance because of the LPMI! I have two questions.. #1 How would I ...
Started 5 days, 15 hours ago (2009-11-29 15:54:00)
by Joe Cafiero, "jcaf1918"
Given the same terms and fees, I would always suggest going with a local person. There is really no difference in the information that is exchanged but it is good to know that your mortgage professional is up to date with any local customs.
Started 4 days, 15 hours ago (2009-11-30 15:46:00)
by Rudi Hofmann, "CA UMB"
Thanks Wayne, I should have also stated in your State M'am. Gosh, I wonder how many she got? Probably 1000's? Boy, that must have been overwhelming!
Started 4 days, 15 hours ago (2009-11-30 15:46:00)
by Michael Dolan, "BrokerPro"
You still should be able to re-finance. With certain condtions, it's still possible to get an 80% loan at a good rate along with a second mortgage to a certain LTV.
Started 3 days, 15 hours ago (2009-12-01 15:38:00)
by Justin Kennedy
it should be applied to principal, i always send two different checks, in the note section i write "for principal reduction". you should also ask your servicer if they allows a bi-monthly payment that will excell the payoff as well. if you have any other debts, i would first tackle those since they are not considered tax deductible.
|
|
Size: 179 bytes
