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Q: The interest rate on my mortgage is 9,cheap christian louboutin pump shoes.5 percent.
About eight years ago I refinanced my mortgage through Integrity Mortgage. My loan was sold to Countrywide, which became a Bank Of America. Now my loan is actually owned by Bank of New York Mellon and serviced through Bank of America.
My 9.5 percent rate could increase to as high as 15 percent under the terms of my loan. My current payment is $1,216. My balance is $105,000. My home is worth $60,000.
I've tried going through all the programs (Home Affordable, ESOP, etc.) I've also, tried contacting BofA directly to refinance, as well as trying to qualify for
something that would give me some relief. I also went as far as filing complaints with the Comptroller of the Currency. I've been fighting this battle for more than five years just to be given every reason under the sun as to why I'm not able to participate.
Recently tried talking to a couple of lenders but it looks like I'm screwed there
as well. Because I'm owned by a private investor, I cannot refinance unless I have equity. Since I'm underwater, it appears the only two options are to keep
the house as long as I can until I can't do it anymore,michael kors outlet store handbags, or walk away. Neither option is very appealing and I feel like an indentured servant because there are no otherMy payment history wasn't that great; I've been behind as much as four months. I'm caught up now and,michael kors jet set handbags, as of this month, I have a solid payment history of 12 months. I was wondering if there was any way I could refinance this so that my interest rate is http://louboutinsoutlet.tumblr.com]Christian Louboutin shoes for women[/url] normal, and my payment is lower? Do you know of any possible options?
A: Unfortunately,louboutin golfito, I don't have as much to tell you as I hoped.
I talked with a mortgage banker in town whom I trust and he said you don't really have refinance alternatives with any lender besides your current one. No bank is going to lend you nearly double what the home is worth. Those days are over.
I reached our to Terry Francisco, corporate spokesman for Bank of America, to see what kind of refinance options the bank can offer. "We'll certainly look into it," he said. "Thanks for bringing it to our attention."
I'm hopeful that Bank of America might try to do the right thing here by refinancing you and slicing your rate in half, in line with current rates. Frankly,michael kors bags green, that would also be a smart business decision for the bank unless it wants to own another house in Cleveland.
It's already bad enough that you owe 75 percent http://louboutinskneeboots.tumblr.com]christian louboutin lady peep[/url] more on the home than it's worth. BofA's only hope in recouping a good chunk of its money is to keep you in that home making payments,discount christian louboutin. If you walk away or get foreclosed on it's going to be a lot more costly for the bank.
On that note, if you're not able to negotiate a reasonable refinance and maybe even if you are you may need to think about how financially smart it is to pay nearly double what your home is worth in principal, without even considering the interest. I realize if http://marysflix.com you walk away you'll trash your credit for a few years http://leopardstuddeoots.tumblr.com]christian louboutin booties with studs[/url] and won't be able to buy another home,michael kors wallets discount. But you may want to consider how much further ahead you may be financially if you did.
I do hope that Bank of American works with you.
Q: PNC seems to be
forcing people into obtaining a debit card in order to have online privileges.
They claim you can accept the debit card and then place a $1 limit on http://cheapredbottom.tumblr.com]red bottoms sneakers outlet[/url] any
attempts to use it, so you are safe.
From all I have seen you always
say never accept a debit card, but they are making it almost impossible if you
want online access to your own account,michael kors outlet factory store.
What is the most current advice?
So appreciate all you do to help all of us be wise consumers!
A: My common advice: Don't have a MasterCard of Visa debit card on your primary checking account.
Regarding the debit card you don't want,louboutin replica shoes online, I talked with Marcey Zwiebel of PNC's corporate office and she said there must have been some misunderstanding. PNC does NOT require customers to have a debit card in order to have http://bianca120mm.tumblr.com]christian louboutin bianca 120mm black[/url] online access,christian louboutin bianca botta 140mm, she said. When a customer starts to create an online account, he is asked to enter certain digits from his debit card as a security precaution.
"However, there is a notation on the screen that says if you don't have a debit card, you can call (the number is provided) for a PIN. That PIN can then be used to set up an online http://leopardprintsneakers.tumblr.com]christian louboutin leopard print heels[/url] banking account," Zwiebel said.

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