I Want to Take Cash Out of My House to Pay My Debt. – Bruce

“Dear Steve, I live in Northern California and have approximately 90K in credit card debt and need help badly as we’re having trouble making ends meet! If possible I don’t want to file BK I make approximately 125k a year and my wife has been unable to work the past 4 years due to medical … Read more

HSBC Changed the Terms of My Loan After I Signed a Document With Blanks

“Dear Steve, I have a mortagage with HSBC for 5 years now at fix rate 5.625% 30 with PMI no Fannie Mae, no Fmac and I wanted to refinance with a lower rate no PMI. They send me and initial set of documents with lower APR for same initial value of the property without the … Read more

We Can’t Get a Loan Modification or Refi Our Mortgage. What Can We Do? – Sabrina

“Dear Steve, Steve…just came across your site. Must say very informative. I recently received a mailer in regards to the law firm Fieldstone Law out of Newport Beach, CA. I have always been skeptical about these mailers and contacts. Not to mention, I have never contacted them back. I am in dire need of help … Read more

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 … Read more

What You Need to Know Before You Refinance Your Home to Pay Off Debts

Consolidating your debt with the equity in your home can be a terrific money-saving strategy. The interest rate may be much lower than you’re paying on your other bills and, if you itemize on your tax return, you can usually deduct the interest you pay – making the effective rate of the loan even more … Read more

How Can We Find Someone to Refinance Our Home? – Kathy

“Dear Steve, We are in credit card debt of an incredible $40,000. We are trying to refinance our home…We owe $110,000 on it, but its assessed at $265,000. We are wanting to refinance to pay off the cc debt. The problem is, we can’t get refinanced because of our debt level and some late payments. … Read more