Comments for Best refinance answers http://www.central-hoops.com Refinance Q and A Fri, 25 Feb 2011 03:10:20 -0500 hourly 1 http://wordpress.org/?v=3.0.4 Comment on How long should you wait to refinance an auto loan to lower the interest rate and are there better lenders to help with this by guest http://www.central-hoops.com/how-long-should-you-wait-to-refinance-an-auto-loan-to-lower-the-interest-rate-and-are-there-better-lenders-to-help-with-this/#comment-421 guest Fri, 25 Feb 2011 03:10:20 +0000 #comment-421 Answer Timing required to refinance doesn't usually matter. Used car loans are a little higher generally. Check with savings and loans, credit unions, banks and others to see if you can get an improved rate. They will look at your credit rating, so make sure that you are paid up on time and that you do not owe more than your income can justify. Answer

Timing required to refinance doesn’t usually matter. Used car loans are a little higher generally. Check with savings and loans, credit unions, banks and others to see if you can get an improved rate. They will look at your credit rating, so make sure that you are paid up on time and that you do not owe more than your income can justify.

]]> Comment on Refinance your mortgage if you owe back taxes by guest http://www.central-hoops.com/refinance-your-mortgage-if-you-owe-back-taxes/#comment-138 guest Fri, 25 Feb 2011 03:10:17 +0000 #comment-138 Do you have a lien on your home? If a lien is placed on your home, you will not be able to refinance to pay back taxes. Do you have a lien on your home? If a lien is placed on your home, you will not be able to refinance to pay back taxes.

]]> Comment on Should you refinance your mortgage now by guest http://www.central-hoops.com/should-you-refinance-your-mortgage-now/#comment-53 guest Fri, 25 Feb 2011 03:09:10 +0000 #comment-53 It all depends on your current rate and your situation. Rates right now are at historic lowes so it is a good idea to refi, if it will benefit you. It all depends on your current rate and your situation. Rates right now are at historic lowes so it is a good idea to refi, if it will benefit you.

]]> Comment on When you refinance your house and add your spouse%27s name to the refinance loan does that automatically add his name to the title by guest http://www.central-hoops.com/when-you-refinance-your-house-and-add-your-spouse-27s-name-to-the-refinance-loan-does-that-automatically-add-his-name-to-the-title/#comment-231 guest Fri, 25 Feb 2011 03:05:10 +0000 #comment-231 of course since you are using their income. of course since you are using their income. of course since you are using their income.

of course since you are using their income.

]]> Comment on Can you refinance your loan instead of letting it be repossessed by guest http://www.central-hoops.com/can-you-refinance-your-loan-instead-of-letting-it-be-repossessed/#comment-131 guest Fri, 25 Feb 2011 03:02:41 +0000 #comment-131 %DETAILS% Answer yes - as long as she get's them the money to pay it off any way - before they get the car she will be ok - she can trade it in, pay it off with cash, refinance it, etc. The trouble is if she is behind on the payment, other auto lenders are probably not going to want to lend her money on another car. THey will want to know if she can't pay that one, why/how will she pay us. %DETAILS%

Answer

yes – as long as she get’s them the money to pay it off any way – before they get the car she will be ok – she can trade it in, pay it off with cash, refinance it, etc. The trouble is if she is behind on the payment, other auto lenders are probably not going to want to lend her money on another car. THey will want to know if she can’t pay that one, why/how will she pay us.

]]> Comment on Can you refinance using a co-signer by guest http://www.central-hoops.com/can-you-refinance-using-a-co-signer/#comment-87 guest Fri, 25 Feb 2011 02:58:05 +0000 #comment-87 Answer Yes you can, but the co-signer must qualify for the loan. IE they must debt ratio. ***.com Answer

Yes you can, but the co-signer must qualify for the loan. IE they must debt ratio. ***.com

]]> Comment on If you refinance a vehicle and the finance company sends you the title not the new company what can they do if you don%27t send them the title by guest http://www.central-hoops.com/if-you-refinance-a-vehicle-and-the-finance-company-sends-you-the-title-not-the-new-company-what-can-they-do-if-you-don-27t-send-them-the-title/#comment-364 guest Fri, 25 Feb 2011 02:55:09 +0000 #comment-364 Answer You keep the title. It should show a leinholder listed below, under your name. The new lender doesn't actually need to have the title, as the new lender will release the lein after the payments are made in full. You will then be issued anothe title, showing you as being the sole owner of the vehicle. This is what they refer to as a "clear" title. Answer

You keep the title. It should show a leinholder listed below, under your name. The new lender doesn’t actually need to have the title, as the new lender will release the lein after the payments are made in full. You will then be issued anothe title, showing you as being the sole owner of the vehicle. This is what they refer to as a “clear” title.

]]> Comment on Can you refinance your home loan within a week of purchasing the home by guest http://www.central-hoops.com/can-you-refinance-your-home-loan-within-a-week-of-purchasing-the-home/#comment-215 guest Fri, 25 Feb 2011 02:53:59 +0000 #comment-215 Yes, if you have the equity. However if you have a pre-payment penalty, you will need to wait until that period passes. Otherwise, you will pay a substantial amount of money to the original lender. Yes, if you have the equity. However if you have a pre-payment penalty, you will need to wait until that period passes. Otherwise, you will pay a substantial amount of money to the original lender.

]]> Comment on Can you refinance with a child support lien by guest http://www.central-hoops.com/can-you-refinance-with-a-child-support-lien/#comment-20 guest Fri, 25 Feb 2011 02:53:18 +0000 #comment-20 That depends on the bank, but if it pays off the lien, than yes. That depends on the bank, but if it pays off the lien, than yes.

]]> Comment on Can I refinance a mortgage that is currently only in my wife%27s name and have the new mortgage be only in my name if the house is in both of our names by guest http://www.central-hoops.com/can-i-refinance-a-mortgage-that-is-currently-only-in-my-wife-27s-name-and-have-the-new-mortgage-be-only-in-my-name-if-the-house-is-in-both-of-our-names/#comment-428 guest Fri, 25 Feb 2011 02:48:43 +0000 #comment-428 The lender should require that all the owners of the property sign the mortgage. Otherwise, if there is a default the bank can only foreclose on the interest of the party who signed the mortgage. The lender should require that all the owners of the property sign the mortgage. Otherwise, if there is a default the bank can only foreclose on the interest of the party who signed the mortgage.

]]>