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Tag Archives: mortgage

We Got 100% Financing On Our Home But Once the Loan Adjusts We Won’t Be Able to Afford it. – KC

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KC “Dear Steve, My husband and I have a 5/1 Adjustable Interest Only loan, as well as a HELOC loan because we did 100% financing. I’m no longer working (staying at home with new son), and my husband’s salary was recently cut 10%. We’ve given up a few luxuries (cable tv, saving for retirement, etc) in order to stay current ... Read More »

    San Wants To Know “We Need Some Way To Pay Off Our Debts”

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    “Dear Steve, We need some way to figure out how to pay our debts off. We have credit card debt, car loan, a home equity loan that has a balloon next year, medical bills and owe a balance to my brother for his half of property we inherited jointly. We have two incomes and we should be able to live ... Read More »

      I Can’t Care For My House, I Can’t Sell It, I’m Stuck in a Bad Situation. – Vicki

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      Vicki “Dear Steve, Hi; I am 64 years old, I bought this house in 2007 on a closed 10 year mortgage at 6.4%. I became sick almost a month later and had to have major surgery. I, now have a very bad back and have trouble walking etc. (I have no one to help me and I can’t afford to ... Read More »

        Should I Take Out My 401K to Tide Us Over? – Dwight

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        Dwight “Dear Steve, I am a software salesman to the car wash industry. With the slowdown of the economy I have taken an almost 50% decrease in pay ($100K down to $50K). It looks like my income this year will be in the $40K area. I have a family of 4 beautiful kids (all girls) and a wife who works ... Read More »

          Our Debt is From IVF Treatments But We Are Also Underwater On Our Mortgage. – Rob

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          “Dear Steve, Key Points. Combined 150K salary with wife. 47K in CC debt (9 different accounts – all APR at 11% and below. 8k loan (0% interest for new windows for house). 80/20 mortgage with first loan I/O ARM (reset Feb 2012, at 6.75%, balance is 284K. Second mortgage at 8.58%, balance is 69,842. 38k in combined 401K. House is ... Read More »

            Diana Is Struggling to Make Credit Card Payments And Afraid

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            Diana “Dear Steve, I have approximately $25,000 in credit card debt, drained my savings and struggling to meet my payments. I can pay my mortgage and normal billing but not the cards I am so confused about wha is available out there and frankly scared that I may not do the right thing with a repuable company. Can you help. ... Read More »

              Single Mom Does Not Have Enough Left For Groceries. – Laura

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              “Dear Steve, I am a single parent who put my children through college, and now am $140,000 in debt with credit cards and student loans. I don’t have enough money left for groceries after paying bills. My home needs to be refinanced this year because my ARM is up. Will I be able to refinance with all of this debt ... Read More »

                Should We Stop Paying Our Mortgage. We Are So Stressed. – Beth

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                “Dear Steve, A little over a year ago my husband lost his job. He got a new job two hours from our home. We were approved for and bought a home in the new town with the idea that we would be able to sell our first home. Of course, at that time, the economy took a total dive and ... Read More »

                  I Am a Single Mum in the UK With a Mortgage Payment That Leaves Me Little Money Leftover. – Maria

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                  Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question. Click here. “Dear Steve, I am a single mum with two children, ... Read More »

                    My Mortgage Was Discharged in My Bankruptcy But I Still Pay It. – Rae

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                    Rae “Dear Steve, My mortgage was discharged in my bankruptcy proceedings in December, 2005. I have continued to pay on my mortgage per the credit agreement. I have two questions: Is there a way I can get my mortgage to start reporting to the credit agencies because I am paying on it even though it was discharged? My budget is ... Read More »

                      Bounced Mortgage Check and My Dad’s Back Credit. – Mary

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                      “Dear Steve, My father and his brother got a loan to purchase a house for their mother about 12 years ago through BOA. Apparently, back in April of this year my dads brother wrote the April mortage check for the payment and it bounced. The next month my dad writes the May mortgage payment and so and so on. Well ... Read More »

                        I Want a Divorce From My Cheating Husband But We Have This Mortgage. – Stuck

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                        Stuck “Dear Steve, I am seeking to divorce my husband who I have found out is cheating. We live in a no fault state so that is not an issue. However, though the title to the house is in both our names, the main mortgage is in my husbands. I say main because we qualified for the house from a ... Read More »

                          I Can’t Make the Mortgage and Feed the Kids. – Lill

                          Lill “Dear Steve, We are having problems making our mortgage payments and lot rent. We live in a modular home park and we are suppose to pay 21000.00 total for this place. The modular home appraised by the county is at 11,000 as I just found out not long ago. We pay 285 monthly lot rent and 295 monthly mortgage. ... Read More »

                            I’m Not Sure if Ocwen Will Modify My Mortgage. They Won’t Respond. – Rush

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                            Rush “Dear Steve, I am in Dallas, Texas and have been unable to find full time work since 9/2007 and am 6 months behind on my mortgage. I submitted a modification package to Ocwen in April but have received no response other than “Your request is still under review.” Meanwhile, I have received a bunch of foreclosure documents from some ... Read More »

                              My Ex-Husband Was an Authorized User on My Credit Cards and Ran Them Up. I Went Bankrupt. – Lauren

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                              “Dear Steve, My husband and I are in a Ch. 13 Bankruptcy. I filed because my ex-husband was an authorized user on my credit cards I had when we were married. He ran it up and we got divorced. I moved with my job out of state and had an outrageous car note that he agreed to help me pay. ... Read More »

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