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Real Estate

Should We Sell Our Home or Rent It Out? – Tobe

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“Dear Andy, Our house recently appraised for $200K, we owe $225K, our rate is adjustable but only 3% right now (adjusts again yearly, maximum 2% increase annually). We’re likely to move in the next few months, but think we should hang on to this house and rent it out for a while (we have some landlording experience), and see if ... Read More »

I’m Tired of the Stress of Living Under the Financial Pressure. I Want to Live Below Our Means. – Janece

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“Dear Andy, We moved to GA a year ago. I hae a job but hubby had a hard time finding work. We got a great deal on a home but were at the cap of what we could afford. The kids have finally settled in to school and love the home and kids in the neighborhood. But I am miserable! ... Read More »

We’ve Been Fighting with Bank of America for a Loan Modification. Do We Need to Hire a Loan Modification Company. – Mike

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“Dear Andy, Really to long to type here. Been in a battle to keep our home for the last 16 months against Bank of American. Last month won a court dismissal for the foreclosure and am now trying to get the loan modification. Was denied for the hemp due to being told they didn’t receive a tax paper which our ... Read More »

I Am Moving to the United States. What Will My Credit Rating Be? – Ahmed

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“Dear Steve, I would be immigrating to the US in future, and so far having lived in Asia and Middle East I have never defaulted on any installment. So I was wondering how would my credit rating be when i come to USA? I am planning to buy a home on Mortgage as well. Ahmed” Don’t miss our free Get ... Read More »

Left a Good Paying Job to Follow My Dream. Now Laid Off and Facing Foreclosure.

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“Dear Andy, Left good paying job, Manager Financial AD Hoc Reporting, Harvard Univ. 2006 followed dream worked as an Animal Control Officer and then lost job to “regionalization” of the position in 2/2009. In 6/2009 my daughter entered a partial hospitalization program for her mental issues. She was home-bound for 18 months and is now participating in a full-time day ... Read More »

Residential Law Center in San Diego Says They Can Reduce My Rate to 2%

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“Dear Andy, Physical and financial situation has prevented me from making mortgage payments. My wife had a stroke which left her with Aphasia and apracxia. She’s also partially disabled on the left side of her body. A representative from Residential Law Center in San Diego CA has advised me that his firm may be able to analyze my case and ... Read More »

Should I Drain My 401(k) to Stay in My Home? – Cynthia

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“Dear Andy, I am 62, on SS Disability, very recently separated, with a house that’s worth at least 250,000 and I owe 143,000. My 401K has about 115,000. I can’t survive on my SS. I can’t rely on my ex for anything. He has ruined what used to be my excellent credit so I can’t refinance. I’m on the 3rd ... Read More »

I Spoke to Someone at Precision Law Center Regarding Mass Joinder Litigation. – Louis

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“Dear Andy, Presently not making mortgage payments on my florida property. it is affordable but property value has decreased over 40% thus making this a horrible investment. Paid $440,000-with a down payment of $170,000 balance owed $270,000. Present value less than$250,000. Spoke to someone at Precision Law Center in CA regarding the “Mass joinder litigation law suit” but would like ... Read More »

I Was Thinking of Using the Steve Mader Law Firm to Try and Save My House From Foreclosure. – Shawn

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“Dear Andy, I am currently in foreclosure in TX and looking to keep my home and get back on track. I was seeking to enlist Steve Mader law firm to help me at the tune of $2,500. I did a few searches and found some info on your site talking about him. I wanted to know if I should use ... Read More »

I’m Currently in a Wachovia Pick-A-Payment Mortgage With Payments Increasing. – Teri

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“Dear Andy, Mega credit card debit – totalling $60K- High interest rates on those cards up to 29%. Currently in a pickapayment mortage-Wachovia with payments ballooning. Husband and I both have great steady government jobs, but finding it extremely hard to support our 5 person family and keep up with the bills, let alone making a dent in our massive ... Read More »

Legal Helpers Debt Resolution Said They Could Help Me Save My House. – Michael

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“Dear Damon, Divorce and forced to pay 1700 a month in child support. Lost my job 10 months later. Out of work for almost 5 months. New job salary was significantly less than before. Took over a year to get child support adjusted while still trying to pay same bills. Fell behind on mortgage, property taxes, insurance. Filed chapter 13 ... Read More »

Something Seems Fishy About My Homeowners Advocate and Impact Debt Settlement. – Josh

“Dear Steve, I recently ran into this loan modification company and wanted some help researching them. Something just doesnt seem right here. The companies website is http://www.myhomeownersadvocate.com/. It appears Sean Horan owns the business from what the BBB has here http://www.bbb.org/san-diego/business-reviews/real-estate-loans/my-homeowners-advocate-in-san-diego-ca-171997987/. They have an F Rating Its odd that this Loan Modifcation company is located at the same office as ... Read More »

Should I Hire All State Law Group to Modify My Bank of America Mortgage? – Charles

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“Dear Andy, Tried twice to to get a modification with BOA with no success,have ask a law firm to help, but cant find any info on the firm Should I retain this law firm from calif. THEY WHAT THREE PAYMENTS ONE TO START, THEN ONE IN THE MIDDLE AND THE REST AT THE END. 1500-1000-500. Sr. Underwriter Toll Free: 866-887-4691 ... Read More »

I’m Underwater With My Mortgage. Household Refuses to Help Me Modify My Loan. What Do I Do? – Robert

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“Dear Andy, Underwater Mortgage Household Finance (Beneficial) conventional mortgage taken out four years ago with current balance of $114,000.00 with a value $72,000.00 Household refuse to modify, refinance or reduce interest rate. Current FICO 690 anticipate higher after paying down two credit cards. No late payments, bankruptcy or collection. Interest rate 9.5% has not been reduced as indicated during closing. ... Read More »

Bank of America Won’t Talk to Us About Our Loan Modification. – Barbara

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“Dear Steve, I have written to you before and you were most helpful. Thanks I got married 2 yrs ago and one or both of us has been unemployed for most of that time. Our home is in my husband’s name as he bought it back from his x-wife three years ago. My husband is working but not always getting ... Read More »

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