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I am having trouble deciding if I should sell my home or refinance my mortgage. What factors should weigh in my decision?

Our house is currently worth a little less than when we purchased it eight years ago. In the last eight years, my husband has been laid off two times. He is currently earning much less than when we purchased the house. I was a stay-at-home mom when we purchased our home, but since the first layoff, I have worked a couple of part-time jobs. I have a son and need to work around school and summ...
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Should I receive a distribution from my 403b to slash my DTI, and therefore qualify for a mortgage refinance.

I will be 56 this month. My monthly income does not meet my debt. I rent an out of state property, with a second mortgage, which is becoming too much to bare. I cannot refinance since my debt to income ratio is too high. Should I withdraw funds from 403bs to pay off some of the debt, thus lowering my DTI ratio, making me a candidate for refinancing? I need all the advice you can provide.

Is it smart to refinance a 5.25% 30-year loan to a 15-year loan at 4%?

How long should it take to refinance a house?

I am in financial distress, but my bank refuses to modify my home equity loan. What are my options?

Two years ago, I took out a home equity loan in the amount of $175,000 to be used for a friend's business loan. She walked away from the loan after 14 repayments and left me with the entire debt. I spent $30,000 of my personal income to repay the debt but after two years, I can no longer afford it. I am current on my first mortgage. I filed for a loan modification but was denied. The adj...
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Which is better, refinancing my first mortgage or getting a home equity loan?

Should I refinance my mortgage or should I get a home equity loan? I am looking for some cash out to do some home improvement, and maybe a small addition? How do rates compare and is a refinance loan or a home equity loan a better deal?

Should I refinance my 15-year HELOC if we are three years into the loan? What are my options?

We need to consolidate our debt and thought we should refinance our current 15-yr Home Equity Loan fixed @ 6.75% - @ $1,553 per mth - we are 3+ yrs into it for a total of $149,139 balance. The credit card debt amounts to about $82,000. We applied to Wells Fargo Bank but they denied it due to three outstanding 401k loans of about $44,000 (debt to income issue) and transferred it to their fina...
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Our house needs a new roof. How do I refinance to raise $17,000 for these repairs?

Should I pay the pre-payment penalty and refinance my mortgage or wait until it is due and take my chances on rates then?

Can I refinance if I am paying a high interest rate but am on a limited income? Are there any federal programs to help me?

I have a 30-year loan, still owe 19 years. Mortgage loan in both mine and my husband name. He's listed as primary borrower. He passed away Feb 19, 2010. We tried before he passed to get lower rate, but was always in hope until we have to pay to have appraisal done. We were turned down after we had put out $350 dollars that we really didn't have. We are at a 10.25% it seems all I ever...
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