Hello is this a scam? An elderly woman recently got an official looking letter in the mail from santa ana, california saying she may qualify for a lower rate. I don't have too much info and she isn't a computer person, however… She called the number they asked some questions and told her she qualifies but told her not to pay her mortgage for 2 months… She had to pay them about $3000. The name of the woman she spoke to was Nissa Rodriguez. Apparently she never heard from them again or can get anyone on the phone when she calls, and damaged her credit. I just wondered if anyone has a website about this scam that I can print out and give to her to read?
Read more: Santa ana california lower mortgage rate scam?
Friday, July 29, 2016
Wednesday, July 27, 2016
Can refinancing be done without an appraisal?
Is there any kind of program that a person can obtain if they want to refinance their home but do not want to go through another appraisal? My mortgage is not owned by FreddieMac so I cannot obtain anything under the Harp2 program.
Added (1). Caren,
My home has already been appraised a number of times from previous refinancing with other financial companies and I do not feel another appraisal is necessary.
Read more: Can refinancing be done without an appraisal?
Added (1). Caren,
My home has already been appraised a number of times from previous refinancing with other financial companies and I do not feel another appraisal is necessary.
Read more: Can refinancing be done without an appraisal?
Monday, July 25, 2016
How to remove a derogatory item off credit report?
Seven years ago my partner and I purchased a house and both our names went on the mortgage.
We separated a year ago and sold the house.
I have now been refused a loan due to the fact my then partner unbeknown to me at the time had missed 3 payments on our joint mortgage. I had only found out when we received a letter from the bank. We quickly made these payments and we are not in debt but this incident has had an effect on my credit score. This is the only thing, as I have never owed money or missed any payments beforeMy credit was good and I held and still hold these two credit cards.
How can this item be removed. There was no collection agency involved, or forclosure
But now I will not be able to have this loan or a mortgage
Added (1). Missed! Payments were cleared on receipt of letter from bank and NOT after house was sold. This non payment was not delinquent for such a time as to involve a collection agency neither was there foreclosure.
The house to be sold we put in the hands of real estate
Read more: How to remove a derogatory item off credit report?
We separated a year ago and sold the house.
I have now been refused a loan due to the fact my then partner unbeknown to me at the time had missed 3 payments on our joint mortgage. I had only found out when we received a letter from the bank. We quickly made these payments and we are not in debt but this incident has had an effect on my credit score. This is the only thing, as I have never owed money or missed any payments beforeMy credit was good and I held and still hold these two credit cards.
How can this item be removed. There was no collection agency involved, or forclosure
But now I will not be able to have this loan or a mortgage
Added (1). Missed! Payments were cleared on receipt of letter from bank and NOT after house was sold. This non payment was not delinquent for such a time as to involve a collection agency neither was there foreclosure.
The house to be sold we put in the hands of real estate
Read more: How to remove a derogatory item off credit report?
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