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A Brief Commercial Mortgage Guide
Commercial mortgage loans are used when purchasing structures such as office buildings, apartment complexes, health care facilities and retail outlets. Whether it’s a hi-rise tower or a family-owned restaurant, buyers typically need additional...
Home Loans and Mortgages – Time to Consolidate Loans?
Home equity loans and lines of credit are useful tools for homeowners. They allow the homeowner to borrow against the value of his or her home for all kinds of purposes – home improvement, debt consolidation, vacations, and more. The loans, backed...
Mortgage Company Stops Foreclosure And Saves Family Home
“A bank is a place that will lend you money, if you can prove that you don’t need it,” Bob Hope once quipped. But if you going through a bad financial spell, you need an institution that will stand by you. Our office received a call early one...
When is the right time to refinance your mortgage?
You've heard that interest rates are down and you think it could be time to refinance your existing mortgage, but the entire loan application process was so exhausting during the initial loan that you aren't sure it's worth the hassle. You could...
Why Paying Off Home Mortgages Is A Dumb Idea
If you're planning to refinance you're home or apply for a home
mortgage. This could be one of the most the best tips you'll
ever recieve. If you're like majority of the population which
applies for home mortgage and chooses to put a large...
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2nd Mortgage Loan After Bankruptcy - Get Approved Online
A 2nd mortgage loan after a bankruptcy is possible in as little as two years. Refinancing your mortgage can help you make needed home improvements or pay off high interest debt. Refinancing with adverse credit history requires savvy shopping on your part to ensure that you get a reasonable 2nd mortgage loan.
Building Good Credit
After a bankruptcy, take the next two years to rebuild your credit history. By making regular payments and building up cash reserves through a savings account or saving bonds, you will put yourself in a better position to refinance your home.
Sub Prime Brokers
Your credit report will list your bankruptcy for seven to ten years, so you will need to go through a sub prime mortgage broker. A sub prime mortgage broker offers loans at slightly higher rates to high risk lenders.
Sub prime brokers vary in the amount of fees and points they will charge. With adverse credit, you should expect to pay a couple of points higher than a traditional loan. The best way to ensure you are getting a competitive rate is to shop around.
Searching For Rates
Sub prime brokers have moved online, allowing you to easily compare rates and fees. You can gather general quotes by giving out basic information like how much you want to borrow and your property’s current value.
With these basic quotes you can quickly compare
financing costs. Be sure to include fees when you consider the total cost of the loan. Once you have compared several financing quotes, pick the top three to investigate further.
Comparing Real Quotes
Mortgage rates are determined my many different factors such as property location and your employment history. In order to get a real refinancing quote, you will have to provide this detailed information to a sub prime broker. You can do this through online mortgage websites with no risk.
Compare the rates, fees, and terms of each refinancing offer. If you have any questions, you can contact the sub prime broker over the phone or through their website.
Applying Online
Once you have picked the best offer, you can finish the process online. Sub prime brokers will either have you fill out the application online or through the mail. In both cases, the final paperwork will be mailed out for your approval and your loan will be processed.
About the Author
Carrie Reeder is the owner of http://www.abcloanguide.com, an informational website about various types of loans. To view our list of recommended bad credit mortgage lenders online who can help you with a 2nd mortgage. Visit this page: http://www.abcloanguide.com/lessthanperfectcredit.shtml
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