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Should We Consolidate Student Loan Debt Into Mortgage? – Rhonda

Question: Dear Steve, We are going to refinance our home, out of an adjustable rate, and wondering if we should bundle our kids’ student loan debt into the mortgage. The student loan interest rate is high and simple interest; the mortgage interest lower, of course. We are at about 50% equity. Should we continue to …

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Married, 3 Kids, Husband Has Cancer and Trying to Refinance Mortgage. – Anna

“Dear Steve, Married has 3 children and a husband who has a cancer.I’m the only one working and my husband’s SSS was freeze for overpayment ,that made it harder for our finances . I used credit card for most of our bills for payment and now waiting for my bank ( Bank of America ) …

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Can We Get a Loan on the Equity in Our House Without Refinancing? – Dorothy

We want to get cash out of our house, but wonder if we can do this without refinancing the house. Because if we refinance it will take longer to pay off the house. We have 6 more years to pay on it. We want to consolidate our bills with the cash. Dear Dorothy, If you …

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How Do We Refinance Our Interest Only Mortgage With Bad Credit? – Morga

“Dear Andy, We have a loan through American Home Mortgage I assume this is Bank of America. Right now it is an interest only loan with a rate of 6.75. There is no way to get it refinanced right now as credit ratings are poor. We have concentrated on getting everything paid off. How would …

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How Do I Refinance My Mortgage When It’s Underwater and I’m Loaded With Credit Card Debt? – Dan

“Dear Damon, I have about 53K in credit card debt (18K is @29.99). I plan to reach out to someone for help (still trying to figure out who to call first) for hopefully getting help negotiating a better deal on all the debt. I have house; assessed value is now probably 300k and my 1st …

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Refinancing My House After Bankruptcy. Who Can I Go With? – Jacquelyn

“Dear Andy, I am converting from chapter 13 to chapter 7 I am affirming my house but have 4300.00 in behind payments that I need help with. Is there any company that will refinance my house coming out of chapter 7? Jacquelyn” Jacquelyn, It will be very difficult if not impossible to find a lender …

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I Need to Lower My Mortgage Payment. – Josten

Josten “Dear Steve, I need some advice on how to lower my mortgage bill payment. We have to pay too much money, monthly just to keep this house. My family can’t pay this much and we may have to sell our home. Please I need some advice. How do I lower my montly mortgage bills …

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