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Posts Tagged ‘Don’t’

Debt Consolidation Loans for people who don’t have homes and have extremely bad credit.?

26 Jul

I owe about 10,000 on medical bills and about 5,000 on other unsecured items. I earn about 40,000.00 before taxes. Is there a company who can and will give me a debt consolidation loan with bad credit and no homeownership? I am trying to help myself.

 
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Dinner roll email forward? Someone sent this to me but I don’t see the problem with it, can someone explain?

16 Jul

Once upon a time I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There’s nothing that the government can do to me if I’ve broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor.

I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner.

The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate and began nibbling it as he walked back to the kitchen.

“Sorry about that,” said the President. “Andrew is very hungry.”

“I don’t appreciate…” I began, but as I looked into the calm brown eyes across from me,
I felt immediately guilty and petty. It was just a dinner roll. “Of course,” I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. “And his brother, Eric, is very thirsty.” said the President.

I didn’t say anything. The President is testing my compassion, I thought. I withheld my comments and decided to play along. I don’t want to seem unkind.

My plate was whisked away before I had tasted a bite.

“Eric’s children are also quite hungry.”

With a lurch, I crashed to the floor. My chair had been pulled out from under me.
I stood, brushing myself off angrily, and watched as it was carried from the room.

“And their grandmother can’t stand for long.”

I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for20my coat, to find that it had been taken. I turned back to the President.

“Their grandfather doesn’t like the cold.”

I wanted to shout, “That was my coat!” But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn’t moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him.

“Andrew’s whole family has made bad financial decisions. They haven’t planned for retirement and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do.”

My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor.
The President cheerfully cut his meat, ate his steak , and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops.

“By the way,” He added, “I have just signed an Executive Order nationalizing your factories. I’m firing you as head of your business. I’ll be operating the firm now for the benefit of all mankind. There’s a whole bunch of Eric’s and Andrews out there and they can’t come to you for jobs groveling like beggars.”

I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle.
Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us.

What had I done wrong?

As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands.

“You should have stopped me at the dinner roll,” he said.

WAKE UP AMERICA !!!

 
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Can I apply for a home loan now, even if I don’t want to move till Jan. 08?

15 Jul

I need to move in Jan. but i don’t want to start looking, if I can’t get approved. Can a lender “hold” a rate quoted for this long?

 
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Can you refinance for a lower interest rate if you don’t have any equity in your home?

12 Jul

Grandparents are old fashioned and don’t let anyone in their financial business. We finally found out that they have refinanced and refinance and filed chapter 13 but didn’t finish (can’t get all the details on that either) but now the mortgage is to high and they want to refinance again with no equity in the home. What option do the have now?

 
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Are there any home loans that dont check your credit?

19 Jun

If so, is the interest rate higher? Because my credit is bad.
I got no down for a house. I heard of 1st time home buyers, what are the requirnment for that.

 
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I stopped paying my equity payment, don’t care about my home. What else can happen??r=1240244339?

20 May

i.e. can they go after my other assets?

 
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Want to put about 10K into finishing our basement. Don’t have enough equity for home equity loan.?

17 May

What are the best options otherwise to borrow? A personal loan? Credit card? By the way, what is a good personal loan interest rate?

 
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who will give me a loan with low credit scores and not much equity in my home so i don’t get a judgement ?

17 May

A lender we are currently with wants payment in full for a loan that was to be repaid in 5 years and isn’t even 3 years yet. We missed a couple of payments when I lost my job 2 years ago and they turned us over to a law firm. Our houes payment went up $900 within 4 months last year and the job I had was $4.00/hr less then the one before. Jan. 10,2007 I lost my job and now this lender wants their money because the payment was returned because I received my check late and is not useable right away. If we don’t pay the loan they are taking us to court and my husband’s check will be garnished and we will have a judgement on our record and I will have a hard time finding a job because the last employer did a credit check and most of them seem to be doing taht now. We first had until Jan.31 to pay but the financing fell through and they want the money now or they will begin filing court proceedings. I’m desparate for help. Nobody in our family is able to help.

 
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Im looking for a consolidation loan. I dont own a home and my credit is poor. Where can I get a loan from?

28 Apr

I have about 10,000 in debt and I have a job full time and my salary is about 2200 every month.

 
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Why don’t banks lower their mortgage rates to 3% or 4%?

07 Apr

I don’t understand: if banks are suffering so much with all the foreclosures and inability for many to not make their monthy payments, why are they still charging 5-6% on mortgage rates and refinances.

 
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How can you get a home loan with no money down when you don’t have good credit?

21 Mar
 
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can i get a home equity loan even though i dont own my home?

21 Mar

im still financing my home. mortgage. but i want to get an equity loan even though i dont own it yet. is this possible? if so, do i get the loan amount value of my home or is there a cap limit. say…100,000?

 
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Equity financing: can you get it if your not the sole owner of home, and dont want other owner to sign.?

17 Mar
 
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Can you get a Home Equity loan or 2nd mortage on a house that you don’t occupy?

10 Mar

I have a second home that I am trying to sell but if I can’t sell it I am going to have to turn it into a rent house. I have fixed this house up so I have lots of equity in the home. I was just wondering if anyone knows if you can get a Home equity loan or a 2nd mortgage on a unoccupied home.
and if you can is Lending Tree a good place to go and try to get that type of loan.

 
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Best site for bad credit home loans(purchase)?Husband had HeartAttack,I don’t work-you do the math-credit sux!

03 Mar

I need help NOW!!! Horrible situation…Anyone want to give to a good cause??? Probably not but I am only 31 with 2 small kids…Need info in order to buy the house we are in right now.. I only need to find a mortgage for 65% of the current value…Any suggestions? Any generous rich people?
In response to the last answer I received, I am no idiot…I am an educated person who knows that income is what pays the mortgage.My husband is back to work and making ample money to cover the mortgage we need.Our credit was great until he was out of work for 18 weeks.You try cutting your income to virtually zero and see how you fair.This is a legitimate question in search of a mortgage site to obtain a mortgage we can afford.

 
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