Home Equity Loans Arizona

I go to school online and I use education loans to pay for my education for the most part. Reporters talk about home forclosures due to loans and vehicle reposessions all the time, but I do not hear anything about education loans. Are education loans also affected by our slowing economy? I am worried if when I graduate, will I be able to afford the loans I took out for my education.

I would like to refinance my home. I am self employed and claim deductions so i had to get a stated income loan. I just purchased in July. I know the rates are getting better and I would also like to get rid of mortgage insurance. My home appraised for $142 and i financed $119. My question is will i be able to refinance with stated income with no more money down, just refinacing fees. And since i allready have the loan will it be as complicated as it was in July? I have a thirty year fixed loan.
Kerrville Texas real estate prices don’t go down just up. And I have done way more than $3000.00 in upgrades I am positive it would appraise higher.

I looking to get a Loan for $5500.00 – $7500.00 to fixup my house. I’m a first time home owner and purchased the house as a forclosure through an FHA Home Morgage Loan. I don’t have much equity built up, but I’m looking for any options available. Government Loans or Grants, First Buyer Home Improvement Loan, Any advise will be appreciated. Thanks

Currently looking at refinancing home, but can’t decide if it would be better to add additional monies to current mortgage to lower amount to be refinanced, or refinance and put that sum onto new mortgage.

I had a recent BK probably 2 yrs ago. With my BK I had a foreclosure as well included in my BK. My credit scores are between 620 and 640. I have about 100K equity in my Condo. I am looking to pull out anywhere from 30K – 50K. Any thoughts or ideas? Thank you.

I am not sure whether to refinance with debt consolidation, cash out or a home equity loan or line of credit.

I am looking to get a loan for a modular home and a piece of land. We would need about 250,000. My husband claimed bankruptcy in 2001 before we were married. I have good credit and make close to $60,000. However, I do have a few credit cards and a student loan to pay. He makes about 35,000, has limited credit cards and a car loan. For the most part we both pay our bills on time. Do you think the bank will even consider giving us a loan?

Are the terms interchangable or are they two different things?

We are first time buyers. We both have low credit scores. Mine 550-580 and his 500-520. We are looking into a FHA loan. The house we are looking at is a bank owned has been on the market since sept.08 and the starting price was 169,900 and is now 114,900. We have 5% for the down payment. What does the 7,500 help with?

if I borrow 20,000 how much will I be obligated to pay back each month? I have a 50,000 line of credit.

We are married in our 40’s with a baby. I am stay at home mom and my husband was laid off. We have two homes and no debt aside from mortgages. Should we use our home equity or cash in retirement to make ends meet until we have another income?

If I look under “personal loans” on their website, I see they offer auto financing. But what about REfinancing, or does this count as the same thing?
If not, can you recommend any reputable companies through which I can refinance my car?
Thanks!

Ok, so here is the scoop. I live in Phoenix Arizona, I’m 23 and I do fairly well for myself. I have a 2005 BMW 330i that I bought last year and my credit score was terrible back then. Somewhere around 590 or 600. I’m paying a 14.99% interest rate and my payment is 645$. I can easily pay this, but I realize that now, since my credit score(according to Equifax) is now over 700, I could probably get a much better interest rate if I refinanced. I’m not sure if this reduces my Debt to Income ratio. If its calculated on a monthly basis, then it probably would. Most of my accounts on my credit are only from the last couple years, and I have a few already in this last year so I don’t really want to go and open a new one all that bad in fear it will hurt my score. In January, My lease will be up on my house(for the 3rd full year) and I plan on purchasing my own. Should I wait till I get my home loan? Or would it be wiser to wait refinance and try to get my DTI down? (I make ~8k/month)
Also, if anyone out there could give me a general Idea on how much I might qualify for(as far as dollar amount is concerned) that would be great as well. Thanks! If you need more info from me let me know.
To help give you a better idea, the car was purchased for $23,000. My previous car unfortunately was upside down 5k. + tax title etc it was a 31k car loan. Its down to $28000. but now since I drive double the normal milage, the car is now only worth about 18-20k. Does that hinder my ability to refinance? Isn’t the most important thing wether i’m able to make the payment? I’ve been making a 645$ monthly payment with ease and always on time. Its an automatic deduction.