fix credit rating

lovecats asked: I am in the Albany N.Y. area. Credit is only average. Need a low (5%) interest rate and a fixed rate. Need all of this soon.Lonnie

nevek_1 asked: I have good (over 700) credit. I am not behind on my mortgage. I have a fixed rate on my house. But I hear all the advertisements for loan modifications for people in trouble. I am upside down on my mortgage,, How can I get my loan amount reduced?Vicki

SB1976 asked: I bought my house five years ago. I’ve got a 30 year fixed rate at 5.5%. My mortgage company is Well’s Fargo. Every month, in addition to my payment, I pay into an escrow account plus $50.00 for mortgage insurance. Can somebody tell me exactly what this “mortgage insurance” is. My credit rating [...]

imjetguer asked: What are my options? I don’t want to lose my home because of the rates going up. I would like to refinance it into a fixed rate. Anyone have any good advice? imjetguer@yahoo.com only $125,000Chad

Terissa M asked: My husband has poor credit and is stuck in an ARM loan on his house, which he has NEVER missed a payment to. He is currently with Wells Fargo and they are requiring 2 tax years at the same job before they will refinance us. Does anyone know a company that is [...]

East Coast asked: This would be a Personal loan to be used for debt consolidation of high rate credit cardsBryan

nick H asked: I have a choice between a traditional annuity and self managed retirement plan; given the likelihood that his policies will result in more economic downturn, I’m sticking with the annuity. I’m paying off all credit debt and refinancing the loan on my rental property to a fixed rate, anticipating that loan rates [...]

ToH asked: We have two credit cards with a balance totaling around $11,000. In order to pay off this debt as quickly and financially sensibly as possible, I’m trying to decide whether it would be better to transfer the balances to one new card with a low introductory rate or use an unsecured personal loan [...]

Jennifer K asked: I understand the interest goes up but why in the beginning do they think they can handle that? Are they always planning on doing a refi and getting a fixed rate but then can’t because they have created credit problems?Jeffrey

Mona asked: I purchased home about 1yr ago for 260,000 but no only worth about 150,000 I have a fixed rate and are able to make payments on mortgage but I just think it is unfair.. Is there anything that could be done or I am just screwed…I thinking about just letting it go and [...]