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

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 … Read more

I’m a Recently Divorced Single Mom and Don’t Want to Lose the House. – Tascha

Tascha “Dear Steve, I’m a 30 year old single mom recently divorced. I was left with $15, 000 in credit card debt on my $14 /hr job. My ex-husband filed bankruptcy only on himself 4yrs ago during ruff times in our marriage, then proceeded to run up my credit cards. I am trying to keep … Read more