Can I get a refund on my FHA mortgage?
152623
Who may be eligible for an FHA refund or share? \n\nPremium Refund: You may be eligible for a refund of a portion of the insurance premium if you:\n\n  acquired your loan after September 1, 1983  \n  paid an up-front mortgage insurance premium at closing and  \n  did not default on your mortgage payments.  \n\nReview your settlement papers or check with your mortgage company to determine if you paid an up-front premium. \n\n\nDistributive Share: You may be eligible for a share of any excess earnings from the Mutual Mortgage Insurance Fund if you:\n\n  originated your loan before September 1, 1983  \n  paid on your loan for more than seven years and  \n  had your FHA insurance terminated before November 5, 1990.
751744
You could do it immediately as long as your current mortgagor allows it and you're willing to pay any fees, penalties, etc.  \n\nNow's the time to read the fine print on your mortgage if you haven't already, because that's where you'll find the correct answer, not here on Yahoo Answers.
63506
If the foreclosure happened less than 6 months ago, I am pretty sure you can go into the county treasurer's office and pay off the taxes, interest, penalty and costs and get the property back with the tax lien dropped.\n\nIf it is longer than that, I am not sure.
983427
You should talk to your landlord about the possiblility of re-renting your unit yourself and getting out of your lease. I don't think you can add that money to your mortgage.
100030
If you own your property, you can get a statement from the city or county assessor.  They are usually quite nice if you telephone or drop into the office.  \n\nIf you pay taxes through your mortgage, the mortgage company should provide you with a statement.
1084310
The only way to fix your problem is to sell to a house buyer. They will let you pay rent to stay in your home than sell it back to you at market value when you've fixed your credit. But only if there is potential marketable value to your home.\n\nAnd a private lender will end up costing you more. Ck into FHA
263999
I also had poor credit, but bought my first home last year.  I went through a broker, instead of just getting a real estate agent.  He was able to find a bank that would give me a "statement loan".  That is where I had the money, just not the credit.  They used my bank statements from the past year and seen that I had enough money to make house payments, and I was even able to get first time home buyer program, 0 money down, and the sellers paid the closing costs.  There are ways, but my best way was to go through a Broker, who was able to help me tremendously!
771501
If you own the house you can refinance it.  Just be aware that if your loan amount(s) exceeds the selling price, you will have to bring money to the closing.
552702
Of course you can, but seriously with a high Interet rate. All you need is 11% as a down payment for the house, otherwise the interest rate can go more higher.\nI am a Loan officer in CA so i can help you with that, feel free to write me at refinance@inbox.com do remember to give me your contact information in the mail so that i can get back to you.\nThanks and Good luck
106386
you can use an amorization chart to recalculate or check out any refinancing website and use their mortgage calculator...remember your tax shelter will be affected,too
1020640
I am a mortgage banker and filling out a non-filed 1040 will get you into deep trouble in the area of fraud.  At closing you sign a form which is called a 4506 that gives the mortgage holder authorization to pull for filed taxes.  So that being said, file the back taxes and keep your copy.  I do several VA mortgage loans and have found that being up front with your banker will get you an approval a lot quicker.  Your problem is not unusual
53320
If the appraised value of your home has risen and depending on the terms of your 80/20 you could possibly refi.  Go back to your Lender (if you were satisfied) and see what they can do to help you.  You will still have to pay closing cost again or you do in most cases.  And be sure you have paid all your payments on time.  Maybe this will help you.
486181
Contact the institution you have your loan through, and let them know you are under hardship.\n\nThen start looking for another $20 job as fast as you can.\n\nDepending on how many years you have already paid into the loan you MAY beable to refinance it.  Call a local mortgage broker and see how they can help.  Consultation is free.\n\nSometimes our credit isn't as bad as we think it it, sometimes it is worse.  But there should be help.  A good mortgage broker or financial officer can help.
778347
I would talk to the builder and the agent you worked with.  If the price came down, and you are paying more than the value of the home, you may be able to get out of it.\n\nBasically you need to know if you're buying above value, or if the other buyers are simply buying below the real value of the townhouse.  Once you apply for a mortgage, it won't make sense for you to buy the townhouse above the market value.  \n\nWhether other people are getting a better deal is another story.  They may be worried about sales, so they dropped the price.  But again, it's all about value.\n\nAlso speak with the agent/builder and ask why prices have gone down.  Tell them of your concerns, and ask about value.  Check your paperwork to see what options you have.\n\nLearn more about mortgage, credit, and  finance at:\n\nhttp://www.thetruthaboutmortgage.com
484113
If your looking to refinance your home, I'm sure I can help you with that...I'm a mortgage consultant for Aapex Mortgage and we work with over 250 lenders, so I feel that we can find a solution to your issue. I'd like to discuss this further to see what you can qualify for? My e-mail is Alisosa83@yahoo.com
101150
You should go to a mortgage broker. They help you find the best mortgage lender for your situation. \n\nThey don't cost any extra as they just get a cut of the money the mortgage lender makes. At least that is the idea, you still have to be a wise shopper.
378615
The lender asks for your W2s and tax info to verify that you have a stable income history and no outstanding debt to the federal government.  You would be a poor risk for a loan if you were unable to prove you had enough income to pay your mortgage.