His family move and left him alone, blind and deaf dog wait at the door day and night

Tips For Finding The Best Mortgage Rates

The first thing to consider when it comes to getting a mortgage loan is to find a reliable lender. It is the responsibility of the debtor to verify the feedback from their clients to ensure the quality of the money lending service. In certain cases, booking an appointment with the bank officials to discuss the terms and conditions of their mortgage loan will also give results. This will eventually help the debtor to find the best mortgage rates. Before finalizing the deal, verify if there are any complaints or lawsuits pending against them. The debtor can also run a basic background check with the help of a lawyer.

Next step is to verify their money lending history to see the reliability of the service. Applying for a loan does not oblige a person to make commitments to the bank. Consult with other banks to see which one will provide the best mortgage rates. There are several external factors that decide the rate of interest, terms and condition of a loan. In some cases, the interest rate varies from one day to another. It is also possible to find a loan at a fixed rate.

For a debtor, it is very important to understand the difference between rate quote and rate lock. A bank calculates rate quotes depending upon the following factors: credit rating, loan to value ratio and income. In the case of lock rate, it is fixed for a certain period or days. The debtor can lock a rate 30, 45, 60 or 90 days. The extension of the lock will decide the rate of interest. This system is beneficial in certain cases and unprofitable in some other cases. All this will depend upon the financial status of the borrower. In the case of big amounts, it is always better to lock the rate.

Getting the best mortgage rates requires preparation. For instance, people who are working in the real estate industry very well know that a lock price is better for a long term agreement. At the same time, it is not very easy to get a fixed interest rate. The bank will consider several financial parameters to decide the mortgage rate. The credit rating of the borrower plays an important role in deciding mortgage rates. People with credit problems can negotiate with the bank to get a better down payment option.

Borrowers with low credit score may find it hard to get the best mortgage rates. In such circumstances, it is very much important to discuss with the bank officials to find an amicable solution. In short, there are several factors that influence the best mortgage rates. The debtor can do his own homework or consult with a mortgage broker to finalize the deal.

Seeking advice:
It would appear that our neighbors have abandoned their house and they left their dog. He is sitting on their dark front porch in the cold. Must be starving because he’s been digging through the trash and drinking from puddles.

I don’t know his name, but I know he is blind in one eye and deaf. Poor thing is scared, cold, starving and is in need of help. Who do I call ? Last time I called animal control, I was told since they’re at capacity they would just euthanize the dog.

I can’t go that route, my heart couldn’t take it. Heeelllpppp

Please contact Alexandra Woody Wall 
How Can I Avoid An Underwater Mortgage?

Having an underwater mortgage is a bad thing for anyone, and you may have even heard a real estate person talk about someone being underwater. But what exactly does it mean to have an underwater mortgage and how can it be fixed.

What is an underwater mortgage?

Having an underwater mortgage is not something that you get from a bank or lending institution. It is a financial situation that you can get yourself in when the market value on the house that you are living in goes down to the point that you owe more on the house then the house is worth. If the mortgage is higher then the fair market price if you try to sell it you will have to pay the difference between the two numbers. This is what is meant by an underwater mortgage.

How Can You Get To Be Underwater

A home will never start out being underwater when you first buy the house. It will happen through a variety of different ways and some of which you will not have any real control over.

For example, a homeowner may want to refinance the mortgage. However, when doing so, the lender will use the value of the existing market rather than the market conditions when the first mortgage was made. If the value is low or the equity on the property is small, it could produce an underwater mortgage in which you owe more on the mortgage than what the house would currently sell as.

Another way you can become underwater is by borrowing more on the house then it is worth. Maybe the lender decided to offer you a loan because you had excellent credit, a secure job, or a good financial standing even if the home was not fully paid for. If after this happens the financial situation gets worse due to something unexpected like a job loss, death in the family, etc it can sometimes cause the mortgage to go underwater.

The most common situation with the current real estate market is that the property values have simple gone down over time. The property value was higher when the home was first purchased but now, for whatever reason, the prices has gone down on the house. It can even be something simple like you are in a heavy buyer's market.

What are some solutions to an underwater mortgage?

The solutions depend on how deep the underwater mortgage is, and it is something that you must discuss with your lender. If you can afford it, sometimes the best solution is to sell the home quickly and then use your personal financial reserves to pay for the difference.

It also helps to talk to your local real estate investors or other companies that buy houses. Real estate investors buy and sell homes as part of their profession and they often have their financial and legal paperwork in order to close a deal quickly. For a homeowner, this could be a godsend since real estate investors are home buyers that can work with you to develop unique solutions to your circumstances. For example, investors may be able to help you pay off your existing mortgage balance or help put sellers back on track by providing back payment options.

There are also organizations out there to help people work through this circumstance. Often this takes the form of creating another loan with that financial organization which covers the mortgage, and then paying this loan off over time at a low interest rate. In the end, each situation is different, so it is best to talk to your lender and see what financial options are specifically available to you.

It's not hard to find tips on how to sell a home in this market. The challenge is putting it into practice. If you could skip all the hassle and sell your house today, would you? Find out how.

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