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  • Mortgage Co Refuses to Issue a Verification of Mortgage

    Hi. I filed BK7, discharged in 2012. Did not reaffirm my 2 mortgages, both were with Bank of America, then they sold the 2nd mortgage last year to Select Portfolio Services.

    I'm now refinancing. Bank of America gave a Verification of Mortgage to the new loan processor but Select Portfolio...
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  • New HARP Guidelines (Home Affordable Refi Program), No BK waiting period.

    Nov. 16, 2011

    In a last ditch effort to stave off a continuing foreclosure melt-down, FHFA, Federal Housing Finance Agency has announced changes to the wildly UNsuccessful HARP program. HARP was designed to help underwater homeowners refinance into more affordable mortgages, but the existing...
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    Last edited by AngelinaCat; 11-18-2011, 05:30 PM.

  • nicole1969
    started a topic Refinance Mortgage brokers?

    Refinance Mortgage brokers?

    I read online today that there are brokers that you can hire that will find banks willing to offer a refinance (so they basically do a lot of the work for you.) Has anyone on this board used a broker like this before? We are trying to refinance our house and have been turned down by two places.
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  • netzilla
    started a topic Home Loans after Chapter 7

    Home Loans after Chapter 7

    I live in Dallas, Texas, and my Chapter 7 was finalized in November of 2009. I filled out a reaffirmation agreement with my current mortgage company (Chase Bank), but they didn't get the paper work back before the BK was finalized.
    Now my home is showing up under my BK, and I would like to know...
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  • Just got 4.75% on my car loan!.....Just over a year post-discharge

    2 months after discharge I got a new car loan from GTE FCU for 12.9%....Ouch!!! But my wife needed a car and I needed to reestablish some credit, so I was stoked to get a loan at any rate. My score was 570 at the time. After making 12 payments (and getting my score up to 684), I called them and got...
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