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Home loan Education and Interest Rate Quotes.Free 4 Preppers

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Home loan Education and Interest Rate Quotes.Free 4 Preppers

Postby DR1VENbyKNOWLEDGE » Sat Feb 18, 2017 11:47 am

So, let me be a help where I can for you...

First off this advice will be free and I don't want to do a loan for you. (I only handle CA, but the advice I can offer you is good Nationwide)...I really want this to just be free advice from a source that you can trust since there will be nothing in it for me as my way of contributing to you all here that have so willingly helped me so much.

I have been doing a very high volume of loans for the last 8 years for one of the largest companies handling CA properties. I've been the Sr. LO leading the company for about the last 5 years.(normally in the top 3 every year if not #1)...I handle everything from beginning to end for the entire transaction. I'm not a "Phone Monkey" that you find at Quicken or Loan Depot....(I don't like to talk negative about others but those 2 companies I see rip off people more than any others out there combined)

I handle Purchases, refinance, Cash out, jumbo, Super conforming, regular conforming, FHA, VA, consolidation loans, HELOCS, silent 2nd's, etc...... ALL types of residential real estate except manufactured homes.

I understand thoroughly all things you need to watch out for in these transactions including, appraisal, income calculations(W2,Self-employment, partnerships, Pastor income, Corp., rental properties, retirement, etc. etc. etc...), Loan disclosures, underwriter decisions and calculations, Interest rate locks, federal guidelines, etc.....

In 8 years of working at the same company I've never received a single complaint. There are hundreds of of 5 star reviews written about me personally.(Sorry, you're just going to have to take my word for it for OPSEC purposes here...lol. :p )

I AM SICK AND TIRED of seeing good people getting ripped off even when they think they have a good deal from a "family friend", old loan company, big bank, or broker they trust or thought they could trust. Daily I get calls of someone double checking...In just the last 2 days I've helped a Vet save $16,000 in unnecessary fees at a lower rate in a VA Loan, and another gentlemen about 9K in a conventional Cash-Out Refinance.....BOTH WERE FROM "TRUSTED" SOURCES!!!!

This stuff is personal by nature so I will not be asking personal info to help you out....

***If you ever go online to get rate quotes, for Gods sake, don't give your social security # to anyone until they have been FULLY VETTED or put in a real phone # or you will be hassled NON-STOP by about 10 companies! Almost all of them trying to charge you way to much or not having 2 brain cells to rub together and causing your loan to fail after you've already paid for an appraisal, or getting bait-and-switched.(***Disclaimer...There ARE good people out there of course. They just tend to be far and few in-between.. Always check PERSONNAL REVIEWS, not just the company ones.)

Anyways, This is my way to try and give back to you....Free advice and rate quotes from the cheapest wholesalers out there nationwide so if you do proceed with someone out there you will have both barrels loaded for battle.

Any general questions should go here for all to see......and specific, private info will be best in PM unless you don't mind public answers. I'll be happy to run "What if?" scenarios for you as well...

For any rate quotes you will need....
current mortgage balance.(all loans, separately)
estimated middle credit score.(Don't run your credit)
type of property?
do you want any cash out?
is there a 2nd mortgage of any type even if you are leaving it alone?
taxes and insurance in an escrow account or no?(Impounds)
Estimated value of property?
primary residence, 2nd home, or rental?


Again everyone, I do not want your loan....I want to just stop the madness of people getting lied to and ripped off even from so called "Friends"...It goes against everything I've worked for over 8 years having one of the highest repeat and referral percentages out there....... "I may not tell you what you want to hear like others do just to get you to move forward, but I will ALWAYS tell you the truth." ;)

Preppers got to help Preppers....This is what I can do in my area of expertise. Please be patience for a reply as any specific quotes I'll be sending from in office...Answers I can handle anywhere.

Best wishes to you and your families,
~DR1VEN....
In honor of RebNavy...RIP buddy. You made me smile. :)

Postby rebnavy1862 » Fri Apr 07, 2017 4:00 pm
Driven, are you sure you are from Kalifornia? You make a lot of sense.
Reb"Then call us Rebels if you will, we glory in the name, for bending under unjust laws and swearing faith to an unjust cause, we count as greater shame". Richmond Daily Dispatch May 12 1862
Semper Fi, Sic Semper Tyrannis, Remember The Alamo, and Aide'toi et Dieu T'aidera!
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby JayJay » Sat Feb 18, 2017 4:29 pm

I have a great trick--apply for a refi; save all correspondence and reply after approval that you're just not quite ready.
Keep doing that and watch that refi fee come down from $4500 to $2300 to $1900 to $450. ;) :p ;) :p

I have the paperwork to prove it and still was cautious of BofA and didn't refinance.

But, when husband is gone and I really need to refi to live on his SS check?? I will pull out that last pile of paperwork and say..."I'm ready now and I want that last deal!!" :D
HAPPINESS is not a fish you catch but a fish you feed.
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby DR1VENbyKNOWLEDGE » Sat Feb 18, 2017 6:50 pm

JayJay wrote:I have a great trick--apply for a refi; save all correspondence and reply after approval that you're just not quite ready.
Keep doing that and watch that refi fee come down from $4500 to $2300 to $1900 to $450. ;) :p ;) :p

I have the paperwork to prove it and still was cautious of BofA and didn't refinance.

But, when husband is gone and I really need to refi to live on his SS check?? I will pull out that last pile of paperwork and say..."I'm ready now and I want that last deal!!" :D



lol....sounds like a pain. It could work or just cost you your deal if you're serious Jay Jay.

Be aware, on the best day at BofA, Wells, Chase, WaMu, etc etc etc, you are still paying Retail pricing......They don't offer Wholesale pricing even to clients with $500,000 in their banks.(There's a reason there's high-rises with their names on top of them, marble check writing counters, etc...PROFIT.)

Wholesale Vs. Retail is about $3000 cheaper on a given rate or about .250%-.375% lower on a rate for the same cost involved.......There is almost no time a "Big Bank" will be cheaper on any loan Vs. wholesale....The only exceptions you might see is SOMETIMES for a JUMBO loan at Chase IF you have hundreds of thousands of dollars in holdings with them.....Even then, you need to shop the rate.

Be aware.....wall Street LOVES Trump....Ever since elected rates have been climbing quickly....30 yr fixed was COMPLETELY free at 3.500% at the beginning of November....now that same loan today will cost you about 9-10 thousand dollars including all 3rd party fees.......The same free loan is about 3.990%-4.125% on a 30 year today as example.(Specific credit scores , loan amount, type of property, LTV will alter these figures)

Rates move hourly, let alone daily....just like the stock market.
You cant say "I want that last deal you quoted me" if rates have gone higher and they were giving you the best deal then.....That would be like saying I want to buy Apple stock but I only want to pay $1 dollar per share you quoted me in 1978 even though it's $135 per share today.

If they truly were giving you the best deal ON THE FIRST QUOTE, you should give that person your business and not play games as they showed their integrity giving you the best deal first phone call not wasting your time....It's easily verifiable by shopping. Remember though, rates change quickly sometimes...shop everyone within 1 hour against each other to compare "Apples to Apples" ;)

Look at bankrate.com...(don't put in your contact info or 10 companies will immediately start calling you non-stop!!!....I'm not kidding here)..It's an excellent resource but use it wisely.....BUT, be aware Bankrate.com's advertising policies will not include 3rd party fees for anyone.....It also only is good for Primary residence, SFR(no condo's or townhomes) mandatory impounds, and no cash-out or 2nd mortgage consolidations.....don't trust the reviews there about a company as that's not enough...You need the INDIVIDUAL Loan Officers reviews that's helping you to know if they can be counted on to deliver.....I've seen many a bad loan officer working for excellent companies.....The LO is your bread and butter to a successful loan transaction.
In honor of RebNavy...RIP buddy. You made me smile. :)

Postby rebnavy1862 » Fri Apr 07, 2017 4:00 pm
Driven, are you sure you are from Kalifornia? You make a lot of sense.
Reb"Then call us Rebels if you will, we glory in the name, for bending under unjust laws and swearing faith to an unjust cause, we count as greater shame". Richmond Daily Dispatch May 12 1862
Semper Fi, Sic Semper Tyrannis, Remember The Alamo, and Aide'toi et Dieu T'aidera!
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby daaswampman » Sat Feb 18, 2017 9:14 pm

A loan of any type, should be your last resort in an uncertain world! Dave Ramsey has a good approach, it works, and will end your slavery to the Banksters! Swamp
People rarely notice what it right in front of their eyes. The Da Vinci Code
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby Blondie » Sat Feb 18, 2017 10:57 pm

Swamp, tough to do in Californica where jumbo loans are the norm. While I despise DR, I do agree with having as little debt as possible.

Mortgage rates are tied to the 10yr and rates have been climbing. Recently saw it go to 2.51 in interday trading. The market & treasuries usually run inverse to each other so what we're seeing isn't normal.

Treasuries are climbing because other nations are dumping our debt not because of any love for DJT. I expect a reset under his administration and right now, WS is making money while they can. They are going to hang the debt noose around DJT's neck like one of his Trump ties.

When mortgage rates climb, housing which even here is unrealistically high will crash once again and prob take $3T in student loans down with it.
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby daaswampman » Sun Feb 19, 2017 12:34 am

Blondie wrote:Swamp, tough to do in Californica where jumbo loans are the norm. While I despise DR, I do agree with having as little debt as possible.

Mortgage rates are tied to the 10yr and rates have been climbing. Recently saw it go to 2.51 in interday trading. The market & treasuries usually run inverse to each other so what we're seeing isn't normal.

Treasuries are climbing because other nations are dumping our debt not because of any love for DJT. I expect a reset under his administration and right now, WS is making money while they can. They are going to hang the debt noose around DJT's neck like one of his Trump ties.

When mortgage rates climb, housing which even here is unrealistically high will crash once again and prob take $3T in student loans down with it.


To each his own, but if you can't afford something, paying interest on it, is not going to make the situation better! Credit is not a poor mans friend, but we have been programmed to believe we need everything and right now.

Easy credit will end and then what are the credit slaves going to do? It is not just foreign nations dumping our debt. Nobody is buying our debt except our government and those mandated to buy it. The only fix is to add more debt, that has too end poorly. Swamp
People rarely notice what it right in front of their eyes. The Da Vinci Code
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby DR1VENbyKNOWLEDGE » Sun Feb 19, 2017 10:55 am

daaswampman wrote:A loan of any type, should be your last resort in an uncertain world! Dave Ramsey has a good approach, it works, and will end your slavery to the Banksters! Swamp



I love DR.(Keeping in mind he's made a business out of advice. Some of his sponsors do not have the persons best interest at hand, including the mortgage company he refers...LOL...They're EXPENSIVE!!!)

I stay debt free as much as possible. if you cant control yourself on your own, the envelope system works.

Dave knows the value of a home for retirement and its primary to his plan. But he also knows homes are expensive and the reality is you don't have $300,000 laying around to pay cash for it. That's why he has Mortgage sponsors to begin with.... ;)

Get the home paid off and do it as fast as possible. But you cant do that EFFECTIVELY by being in a higher rate than you should be or too long a term unless you pay extra to your principle.

Mortgage insurance is the first thing to go if you have it. Then focus on rate and term. Pay extra to principle as much as possible......But, even if you pay extra to principle, if your rate is higher than it should be, you need to refinance. if you're retiring, make sure you will qualify on the retirement income before the switch if possible.

In general, even if you've been in your current term for years, If your current interest rate is higher than below, you should at least research it.....It only takes about 5-6 min to know if you can improve and the entire refinance process shouldn't take more than about 20 days total if with a good company.

(This changes hourly)....The interest rate changes are actually controlled by MBS(Mortgage Backed Securities)....You can see a general trend by observing the 10 year treasury but that's not perfect. You really need to monitor the MBS and have to pay for a subscription if you want that access.

30 yr fixed---- 3.990%
20 yr fixed---- 3.500%
15 yr fixed---- 3.125%

These should be for COMPLETELY FREE loans(as long as your loan balance is $130,000 or higher)....that means NOTHING paid by you, NOTHING added to your loan amount, AND a full appraisal refund if it's even needed.

You can get lower rates than above but it will cost something, somewhere, and you shouldn't do it unless the payment savings it greater than the fees incurred in under about 30 months. If that's still your goal, then just make sure to shop by TOTAL FEES including all 3rd party fees and appraisal.....Don't let them twist you up by quoting you Escrow is blah blah blah, Title is blah blah blah....

You want a single total cost # to compare no matter what the break downs are. That is all that matters in the end.
In honor of RebNavy...RIP buddy. You made me smile. :)

Postby rebnavy1862 » Fri Apr 07, 2017 4:00 pm
Driven, are you sure you are from Kalifornia? You make a lot of sense.
Reb"Then call us Rebels if you will, we glory in the name, for bending under unjust laws and swearing faith to an unjust cause, we count as greater shame". Richmond Daily Dispatch May 12 1862
Semper Fi, Sic Semper Tyrannis, Remember The Alamo, and Aide'toi et Dieu T'aidera!
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby JayJay » Sun Feb 19, 2017 11:19 am

DR1VENbyKNOWLEDGE wrote:
JayJay wrote:I have a great trick--apply for a refi; save all correspondence and reply after approval that you're just not quite ready.
Keep doing that and watch that refi fee come down from $4500 to $2300 to $1900 to $450. ;) :p ;) :p

I have the paperwork to prove it and still was cautious of BofA and didn't refinance.

But, when husband is gone and I really need to refi to live on his SS check?? I will pull out that last pile of paperwork and say..."I'm ready now and I want that last deal!!" :D



lol....sounds like a pain. It could work or just cost you your deal if you're serious Jay Jay.

Be aware, on the best day at BofA, Wells, Chase, WaMu, etc etc etc, you are still paying Retail pricing......They don't offer Wholesale pricing even to clients with $500,000 in their banks.(There's a reason there's high-rises with their names on top of them, marble check writing counters, etc...PROFIT.)

Wholesale Vs. Retail is about $3000 cheaper on a given rate or about .250%-.375% lower on a rate for the same cost involved.......There is almost no time a "Big Bank" will be cheaper on any loan Vs. wholesale....The only exceptions you might see is SOMETIMES for a JUMBO loan at Chase IF you have hundreds of thousands of dollars in holdings with them.....Even then, you need to shop the rate.

Be aware.....wall Street LOVES Trump....Ever since elected rates have been climbing quickly....30 yr fixed was COMPLETELY free at 3.500% at the beginning of November....now that same loan today will cost you about 9-10 thousand dollars including all 3rd party fees.......The same free loan is about 3.990%-4.125% on a 30 year today as example.(Specific credit scores , loan amount, type of property, LTV will alter these figures)

Rates move hourly, let alone daily....just like the stock market.
You cant say "I want that last deal you quoted me" if rates have gone higher and they were giving you the best deal then.....That would be like saying I want to buy Apple stock but I only want to pay $1 dollar per share you quoted me in 1978 even though it's $135 per share today.

If they truly were giving you the best deal ON THE FIRST QUOTE, you should give that person your business and not play games as they showed their integrity giving you the best deal first phone call not wasting your time....It's easily verifiable by shopping. Remember though, rates change quickly sometimes...shop everyone within 1 hour against each other to compare "Apples to Apples" ;)

Look at bankrate.com...(don't put in your contact info or 10 companies will immediately start calling you non-stop!!!....I'm not kidding here)..It's an excellent resource but use it wisely.....BUT, be aware Bankrate.com's advertising policies will not include 3rd party fees for anyone.....It also only is good for Primary residence, SFR(no condo's or townhomes) mandatory impounds, and no cash-out or 2nd mortgage consolidations.....don't trust the reviews there about a company as that's not enough...You need the INDIVIDUAL Loan Officers reviews that's helping you to know if they can be counted on to deliver.....I've seen many a bad loan officer working for excellent companies.....The LO is your bread and butter to a successful loan transaction.


In ONE sentence, what is your point??
We are retired, never gonna have any OTHER income than what we have now.
Only debt is home.
I have a hefty savings hidden here.
I don't want a home paid for; why?? The nursing home to take when we become unable to care for ourselves??
For the young?? Maybe, but I wouldn't have listened when I was young.
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby DR1VENbyKNOWLEDGE » Sun Feb 19, 2017 2:14 pm

Just trying to help JayJay with free information to do with as you will.
In honor of RebNavy...RIP buddy. You made me smile. :)

Postby rebnavy1862 » Fri Apr 07, 2017 4:00 pm
Driven, are you sure you are from Kalifornia? You make a lot of sense.
Reb"Then call us Rebels if you will, we glory in the name, for bending under unjust laws and swearing faith to an unjust cause, we count as greater shame". Richmond Daily Dispatch May 12 1862
Semper Fi, Sic Semper Tyrannis, Remember The Alamo, and Aide'toi et Dieu T'aidera!
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby daaswampman » Sun Feb 19, 2017 5:48 pm

JayJay wrote:
DR1VENbyKNOWLEDGE wrote:
JayJay wrote:I have a great trick--apply for a refi; save all correspondence and reply after approval that you're just not quite ready.
Keep doing that and watch that refi fee come down from $4500 to $2300 to $1900 to $450. ;) :p ;) :p

I have the paperwork to prove it and still was cautious of BofA and didn't refinance.

But, when husband is gone and I really need to refi to live on his SS check?? I will pull out that last pile of paperwork and say..."I'm ready now and I want that last deal!!" :D



lol....sounds like a pain. It could work or just cost you your deal if you're serious Jay Jay.

Be aware, on the best day at BofA, Wells, Chase, WaMu, etc etc etc, you are still paying Retail pricing......They don't offer Wholesale pricing even to clients with $500,000 in their banks.(There's a reason there's high-rises with their names on top of them, marble check writing counters, etc...PROFIT.)

Wholesale Vs. Retail is about $3000 cheaper on a given rate or about .250%-.375% lower on a rate for the same cost involved.......There is almost no time a "Big Bank" will be cheaper on any loan Vs. wholesale....The only exceptions you might see is SOMETIMES for a JUMBO loan at Chase IF you have hundreds of thousands of dollars in holdings with them.....Even then, you need to shop the rate.

Be aware.....wall Street LOVES Trump....Ever since elected rates have been climbing quickly....30 yr fixed was COMPLETELY free at 3.500% at the beginning of November....now that same loan today will cost you about 9-10 thousand dollars including all 3rd party fees.......The same free loan is about 3.990%-4.125% on a 30 year today as example.(Specific credit scores , loan amount, type of property, LTV will alter these figures)

Rates move hourly, let alone daily....just like the stock market.
You cant say "I want that last deal you quoted me" if rates have gone higher and they were giving you the best deal then.....That would be like saying I want to buy Apple stock but I only want to pay $1 dollar per share you quoted me in 1978 even though it's $135 per share today.

If they truly were giving you the best deal ON THE FIRST QUOTE, you should give that person your business and not play games as they showed their integrity giving you the best deal first phone call not wasting your time....It's easily verifiable by shopping. Remember though, rates change quickly sometimes...shop everyone within 1 hour against each other to compare "Apples to Apples" ;)

Look at bankrate.com...(don't put in your contact info or 10 companies will immediately start calling you non-stop!!!....I'm not kidding here)..It's an excellent resource but use it wisely.....BUT, be aware Bankrate.com's advertising policies will not include 3rd party fees for anyone.....It also only is good for Primary residence, SFR(no condo's or townhomes) mandatory impounds, and no cash-out or 2nd mortgage consolidations.....don't trust the reviews there about a company as that's not enough...You need the INDIVIDUAL Loan Officers reviews that's helping you to know if they can be counted on to deliver.....I've seen many a bad loan officer working for excellent companies.....The LO is your bread and butter to a successful loan transaction.


In ONE sentence, what is your point??
We are retired, never gonna have any OTHER income than what we have now.
Only debt is home.
I have a hefty savings hidden here.
I don't want a home paid for; why?? The nursing home to take when we become unable to care for ourselves??
For the young?? Maybe, but I wouldn't have listened when I was young.


There are ways to protect your home, but you must do it in advance. One of the easiest is to sell it to your heir or a trusted friend and get an iron clad lease to live in it. Locally any change in ownership can be questioned for three years prior to such an event. My home is already in my son's name complete with a "long term mortgage on paper and the lowest legal interest rate". I also have a "lease on paper" that gives me complete control and first options should anything unexpected happen. It may sound complex, but not really. Swamp
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby rickdun » Sun Feb 19, 2017 6:44 pm

What Swamp said, we put our home in the kids name, with a memorandum of understanding that we live in it, keep it up and pay the taxes until we are both dead. We had an attorney do the paperwork, only cost me $150.00, that was done abut 5 year ago. Now the kids, after we're dead can do what they want with it and not pay any inheritance taxes.

There are down falls to this method, if one of the kids gets in a bad accident and they are sued for big time money, well you know the rest. If they would separate from their spouse, not a problem, that was put in the memorandum, inlaw doesn't count and they signed paperwork to that affect.
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby JayJay » Mon Feb 20, 2017 8:46 am

There are ways to protect your home, but you must do it in advance. One of the easiest is to sell it to your heir or a trusted friend and get an iron clad lease to live in it. Locally any change in ownership can be questioned for three years prior to such an event. My home is already in my son's name complete with a "long term mortgage on paper and the lowest legal interest rate". I also have a "lease on paper" that gives me complete control and first options should anything unexpected happen. It may sound complex, but not really. Swamp[/quote]


####One of the easiest is to sell it to your heir or a trusted friend #####

I have neither which was obvious when I stated about the nursing home acquiring our property.
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby DR1VENbyKNOWLEDGE » Mon Feb 20, 2017 9:25 am

JayJay wrote:There are ways to protect your home, but you must do it in advance. One of the easiest is to sell it to your heir or a trusted friend and get an iron clad lease to live in it. Locally any change in ownership can be questioned for three years prior to such an event. My home is already in my son's name complete with a "long term mortgage on paper and the lowest legal interest rate". I also have a "lease on paper" that gives me complete control and first options should anything unexpected happen. It may sound complex, but not really. Swamp



####One of the easiest is to sell it to your heir or a trusted friend #####

I have neither which was obvious when I stated about the nursing home acquiring our property.[/quote]


I know way too little about your overall situation JayJay to clearly say, but you might want a reverse mortgage. It's just another option to look into. For the right situation, a reverse mortgage is beneficial above all other loan products.

It strips the equity from a home quickly, you have to live in the home without extended absences(Like not in a nursing home) and have to keep it in good shape and pay the property taxes and insurance. but as long as those items are met, you will never have a mortgage payment again for life in that home.

Being a loan expert, wanting my mother to have a good quality of life in retirement on a fixed income, and not being concerned with an inheritance, I have my mom in a reverse mortgage.....It is right for her situation.

There are downfalls to reverse mortgages. So like any product, you need to know the specifics that they don't mention to you before deciding if its the right choice for you. Education and foresight are paramount to obtaining a reverse mortgage.
In honor of RebNavy...RIP buddy. You made me smile. :)

Postby rebnavy1862 » Fri Apr 07, 2017 4:00 pm
Driven, are you sure you are from Kalifornia? You make a lot of sense.
Reb"Then call us Rebels if you will, we glory in the name, for bending under unjust laws and swearing faith to an unjust cause, we count as greater shame". Richmond Daily Dispatch May 12 1862
Semper Fi, Sic Semper Tyrannis, Remember The Alamo, and Aide'toi et Dieu T'aidera!
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby daaswampman » Mon Feb 20, 2017 7:02 pm

JayJay wrote:There are ways to protect your home, but you must do it in advance. One of the easiest is to sell it to your heir or a trusted friend and get an iron clad lease to live in it. Locally any change in ownership can be questioned for three years prior to such an event. My home is already in my son's name complete with a "long term mortgage on paper and the lowest legal interest rate". I also have a "lease on paper" that gives me complete control and first options should anything unexpected happen. It may sound complex, but not really. Swamp



####One of the easiest is to sell it to your heir or a trusted friend #####

I have neither which was obvious when I stated about the nursing home acquiring our property.[/quote]

Sorry: it was not obvious, nor can I imagine such a life. Swamp
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Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

Postby IceFire » Mon Feb 20, 2017 9:18 pm

When we purchased our current property, we went in with our daughter on it...the deed was done up as 'joint tenants with right of survivorship," so we all share the property, and when any of us kicks off, it goes to the 'survivors', with no inheritance taxes.
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