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Gov't announces plan to shrink home loans for some troubled …

The plan will also allow lenders to refinance mortgages that are under water with a new loan backed by the FHA. Lenders will have to reduce the first mortgage by at least 10 percent

Second homes, investment properties could get Fannie, Freddie …

Because of local property devaluation, your house is now worth roughly the amount of your loan balance, making it impossible to refinance into today’s rates in the low 5% range. … Equally important for some highly leveraged homeowners, the companies are setting no limits on the amounts of existing second mortgages or home equity line balances, as long as the secondary loan creditors agree to resubordinate their liens behind the new Fannie- or Freddie-funded mortgage .

What Is A Secured Home Equity Loan? | Credit

A secured home equity loan is money that is loaned to you using the equity or value of your home after all mortgages and other liens against it are paid. If you have a home appraised at 100K and 1st mortgage is 80K. then you have 20K equity in your home