Do Not Call List Content Index - Page 9

Lenders don't like to refinance a property that was just on the real estate market. They may worry that the home owner will try to sell the home again after the mortgage refinancing. Lenders prefer to refinance homes that are primary residences, as it can be expensive to underwrite and process mortgage loans. How long the home has to have been off the market will vary with the lender you're contacting for refinancing.

Selling homes is no longer a seasonal activity. Real estate agents now work around the clock nearly every day of the year to sell homes. Ilyce provides home selling tips including staging and home selling price suggestions in this story which discusses selling your home in fall, spring, summer or winter seasons. In addition to following home selling tips, it's good to realize that the real estate market conditions may not be the best right now, with the financial crisis.

Refinancing mortgage loans on investment property has become more difficult since the credit crisis. Even with a good credit score you may be limited in your refinancing options. What can you do about refinancing an interest-only ARM? In many cases lenders limit mortgage loan workouts to borrowers who have already missed a payment.

If you're trying to sell your home in 2009 you may want to check out Ilyce's home seller resolutions for the new year. Ilyce's resolutions include pricing your home reasonably, get multiple comparative marketing analyses, groom your home for visitors and have some goals in mind for how soon you want to sell the home. Ilyce suggests staging the home before even the real estate agent sees it, if you're selling your home in 2009.

What responsibility does a mortgage broker have to notify his clients when they can get a better interest rate on their mortgage loans? Pulling files from lenders may leave the mortgage broker with a poor broker file delivery rating. Some mortgage brokers believe that mortgage loan borrowers also bear some responsibility in finding the best home loan -- that they should not rely entirely on the mortgage broker.

How can you find a trustworthy attorney to help with a homeowners association lawsuit? Ilyce suggests contacting a local bar association or asking friends and family for recommendations. You can also contact an attorney who specializes in a different area of law and ask who he or she suggests. Having the right lawyer helps when contesting a homeowners association lawsuit.

Can home buyers rely on a home inspector and a real estate agent to help a home buyer? Real estate agents and home inspectors work for the seller usually and rely on referrals for business. Home inspectors try to balance the needs of the real estate agent selling the property on behalf of the home seller and the concerns of a prospective home buyer.

To buy a home or refinance your mortgage you have to have good credit. To build good credit you need to have good personal finance habits such as paying your bills on time. What can you do in 2009 to build good credit so you can buy a home or refinance a mortgage? Read Ilyce's personal finance resolutions so you can build good credit and be ready to buy a home.

If you've recently lost your job or find that you have less income than you used to, you may not be able to make your mortgage payments. Missing mortgage payments can damage your credit score. What can you do if you can't afford to make your mortgage payments? It may be difficult to sell your home in the current housing market so you may have to consider a deed in lieu of foreclosure or a short sale. When you don't have a job it's difficult to get your lender to modify your mortgage.

While the federal stimulus package continues to evolve, it's clear that many Americans want government help in the form of a stimulus package or housing tax credit. The housing tax credit that started out at $7,500 and could have gone to $15,000, is now at $8,000 for first time home buyers, but they won't have to repay it. Find out the financial situations of some Americans who may need the stimulus help the most.