Shelter will be euthanizing this pup on New Year’s eve - in order to free up kennel space

Problems That Can Occur When Refinancing Your Home

Refinancing has become a common practice in today's society since most homeowners do not hold their original mortgage for the entire term of the loan for a variety of reasons. Since this process is actually a new loan, there are problems that can occur when refinancing your home.

Credit Issues

Very often there are credit issues that appear on the homeowners credit report which they did not know about. In some cases, the lender can have these corrected provided that the borrower has the documentation that can be sent as proof to the credit agency. If a low credit score is the issue, then the borrower will probably need to work on improving their credit for a period of several months before trying to refinance again.

High Debt to Income

A high debt to income will disqualify a borrower for a refinance. When this occurs, the borrower needs to take steps to reduce their debt so that the DTI falls within the lender's guidelines. There may also be a lack of sufficient income that will create a high DTI.

In some cases, when mortgage rates increase, the debt to income can increase to a point that a borrower will not qualify. Here again, the borrower must reduce their regular debt in order to be approved.

High Loan to Value

This is another area of concern where a borrower may be disqualified for a mortgage refinance. Lenders will not refinance a mortgage where the loan is high or higher in comparison to the value of the property.

For some borrowers, those who have Fannie Mae or Freddie Mac mortgages, there is a special program available called HARP, the Home Affordable Refinance Program for underwater borrowers. To be eligible for a HARP refinance, the original loan must have been sold prior to June 1, 2009. This program is currently available until the end of 2015. For FHA mortgage holders, the FHA streamline refinance with no cash out is available and does not require an appraisal. The same type of refinance is available for VA loans.

Costs

A mortgage refinance does cost money and, in most cases, the borrower will add the costs to the balance of the loan. However, borrowers may find that the costs related to refinancing are too high. When this occurs, the borrower should shop around and compare the closing costs from multiple lenders since no two lenders are alike.

Unusual Occurrences

Never underestimate the fact that unusual occurrences can happen. When refinancing, homeowner's insurance must be updated and may cause an issue. If a borrower has had lender forced place insurance, they may find that they are unable to obtain regular insurance from an agency. Refinancing through a new lender will be impossible. Another unusual occurrence can be a lien showing up on the title of the property.

Since refinancing a mortgage is actually turning in the existing mortgage or a brand new mortgage, the same process and underwriting must take place in order to receive approval. Being aware and that anything can happen, from the simple to the unusual, is the best line of defence.

Shelter will be euthanizing on New Year’s eve - in order to free up kennel space because every friggin year people here go nuts with fireworks and Jan 2 is a HUGE INTAKE DAY with strays all over the damn place

- PLEASE CALL NOW TO SAVE

Anyone lose this little morsel?

Picked up running loose in Nueces County area on December 24th so this teensy tiny lil tidbit spent Christmas alone in the shelter.

Stray hold by law is three “business” days so due to the Holiday Closures they will hold till December 31st after which time he can be adopted or sent to a rescue

Hoping owners call & reclaim !

Please contact (361) 387-5701 direct if this is your little doggy

For additional assistance feel free to contact (410) 608-2195

STATUS : Tagged by rescue - read comment for update from crossposter
How to Get the Best Mortgage

If you are planning to buy a house, you'll probably need to get a mortgage to pay for it. While some buyers can pay cash for their homes, most need a bank loan to finance this important purchase. Getting this crucial loan isn't as simple as obtaining a car loan. Bankers scrutinize borrowers closely to make sure they can pay back the money and that the house is a wise investment for the bank. Buyers need to do their homework to make sure they get the best interest rates and payments for their purchase. It's wise to follow these steps to obtain the best loan.

Preapproval Process
Step one in the mortgage process is getting preapproved for the loan. Before even looking at houses, it's smart to have a lender check over your application. Many realtors won't take buyers to look at houses until this important step has been completed. Sellers usually won't accept an offer unless they know the bank has preapproved buyers. In order to be preapproved, your lender will want to look at your credit score, your debt-to-income ratio, and your employment history. You'll need to have a decent credit score to get a loan with the best interest rates. You'll also need a stable employment history that shows you've been with the same employer for at least two years. Once you've been preapproved, you can find the house of your dreams.

Interest Rates
Interest rates change all the time but once you begin the mortgage process, you can lock in your rates. You can also buy down your rate by paying additional fees called points at closing. Doing the math on various options will let you know if this is a wise choice. The better your credit score and employment history, the more likely it is that you'll get the lowest rates on the market. Check the Internet to compare rates between different lenders, as different banks offer slightly different rates. Remember that the lower the interest rate, the lower your payment will be.

Length of Loan
You'll also need to decide whether you want a thirty-year or a fifteen-year mortgage. A thirty-year loan will give you the lowest payment but you'll pay lots more interest over the life of the loan. If you can possibly afford to, opt for the fifteen-year loan if you plan to stay in your house for a while.

The mortgage rates and length of loan will play a huge part in your financial wellbeing. This important loan is on your most important asset: your home. Be sure to choose a lender with a good reputation, that has been in the business for a while, and that offers great rates.

If you're looking for a good grand rapids mortgage, seek the help of a trustworthy bank like Founders Bank & Trust.

32 Responses to "Shelter will be euthanizing this pup on New Year’s eve - in order to free up kennel space"

  1. I will take this pup . Can anyone foster till transport??

    ReplyDelete
    Replies
    1. Please call the shelter urgent to let them know and establish a plan

      Delete
  2. Please someone save this little one. Doesn't deserve to be put to death because of humans

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  3. You MUST contact the shelter directly if you want to save her life!!!

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  4. WHERE IS THIS PUP? I CAN FOSTER OR ADOPT. I AM IN PA.

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  5. Where is he located? I'm in Lansing Michigan. I will foster him

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  6. Where is this baby, I will take her

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  7. Can anyone open their Heart and Home to this little sweet ..Puppy ??....

    Shelter has scheduled this little darling to be Killed --tomorrow--12-31-2018....
    Please Hurry to share and Save ....this little Puppy should be in a warm caring Home on New Year's Eve-- not a "Shelter Kill statistic"....
    Any Foster Homes available out there...??....
    Little sweet Puppy scheduled to die tomorrow--Monday -12-31-18.....Time is of the Essence....
    Needs a Hero- - FAST....!!

    ReplyDelete
  8. Seems there is several people trying to save this baby yet you wont say where he or this shelter is. Please reply with location. Thank you

    ReplyDelete
  9. What Shelter ...??....People are trying to help-Foster it Adopt...Save this little Puppy's life ....

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  10. Guys Google the number to find out where the pup is. I think someone posted corpus Christi, tx. Please someone save!

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  11. I WANT THAT DOG IF HEALTHY - BUT DO NOT LIVE NEAR U --

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  12. I have been trying to comment but having problems with web site. I will take this baby. Please do not kill. How can we arrange transport to Little Rock Arkansas or close by. Please contact me. Let me know she has been adopted or that you will help get her to me.

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  13. How about the shelter posting a phone #, a website, location details so people can do something to save lives?? Then they'd have more adoptees, not bodies. This gets me soooo furious...

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  14. I hate this page....NO updates even when requested; limited info. Found this after MUCH searching....this dog has been tagged by Rescue. https://www.facebook.com/1606820082883903/photos/a.1607005289532049/2321519288080642/?type=3&theater

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  15. Gail, I tried to click the link for the rescue, but it didn't work. Is this sweet pup safe for sure?

    ReplyDelete

  16. https://www.pawboost.com/p/5325713

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  17. I'd love to adopt this baby but I'm in NY

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  18. Please, someone help them 😢😢
    Just look at those pity eyes. Please do something. Oh my God, I'm here far from them just only send them prayer that they can have chance to get better life and happiness.

    ReplyDelete
  19. The address is at Rural South Texas Shelter near Corpus Christi. I just tapped one of the tags above and found their address. There's a phone number available. Please, make sure cause I live in another country.

    ReplyDelete
  20. Please if anyone can help with transport I can give this poor soul a good home

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  21. I just called the number provided - no euthanizing today and they said the only chihuahua they have is brown and was picked up on 12/21, not 12/24. In any case, he or she was pulled from a rescue.

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  22. By Googling phone number....this facility located in Robstown, Texas which is to the west of Corpus Christi.

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  23. I just called this little dog has been rescued and will be oickrd yp st 2pm today. Howevrr animwl control said tgey have 50 othrr dogs there! If you are a rescuer who wants to help call the animql controlnumber anove to see whst thrt have!

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  24. Excuse spelling errors above the page had a photo right in front of my typing box!

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  25. Thank for etting us know the fur baby chihuahua is getting rescued.

    ReplyDelete
  26. IF YOU CLIK ON THE POST, HE IS IN TEXAS!!!

    ReplyDelete

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