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ESTAPLACE.COM REAL ESTATE - FREE LISTING SERVICE -
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Nesgroup address: misc.consumers.house - Date & Time for the message: 2 Jun 2005 05:01:13 -0700
/ Author of the message: "billshat44@yahoo.com" |
Title of the message: |
2nd Mortgage question
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Text of the message: |
I have a home worth 150K, owe 125K on the home, and have 65K in credit card debt. I have excellent credit (honest) and pull down about 100K in combined salaries. I know a mortgage officer at a local bank who I trust not to screw me. Her solution is to first refinance my house for 135k, pull out 10K and pay off two credit cards leaving the first mortgage payment approximatly the same. Then I would apply for the second mortgage for 55K and pay off the other credit cards. It seems easier just to get the second mortgage for 65K. I am wondering if she isn't selling the first mortgage just to sell a mortgage. Also I am concerned that once I refinance my home, the second loan will be denied because I just got a loan on the home. Is it common to get two loans on a home within a two or three month period for over 100% value of the home? Also I have heard about 125% |
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Estaplace.com is one the Ceglia Giovanni projects, started on 20 July 2005, and online since 20 August as a real estate platform for listings, mainly operating on the Italian and American/English market in the Internet, Estaplace would like to become the point of referiment for home sellers and home buyers, a site where private owners or real estate agencies can have the possibility to show their offers to the world. Estaplace.com is only one of the Giovanni Ceglia's sites. Everyday Giovanni Ceglia works to improve new Internet tools and services for online marketing and business. Estaplace.com will become the biggest portal for real estate business and investments online.
Estaplace.com is one the Ceglia Giovanni projects, started on 20 July 2005, and online since 20 August as a real estate platform for listings, mainly operating on the Italian and American/English market in the Internet, Estaplace would like to become the point of referiment for home sellers and home buyers, a site where private owners or real estate agencies can have the possibility to show their offers to the world. Estaplace.com is only one of the Giovanni Ceglia's sites. Everyday Giovanni Ceglia works to improve new Internet tools and services for online marketing and business. Estaplace.com will become the biggest portal for real estate business and investments online.