Mortgage Charlotte NC - Archives August, 2008

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Home : Blogs : Lauren Kramer : Mortgage Charlotte NC : Archives August, 2008

New North Carolina Law DOES NOT BAN YSP - 08/21/08 09:20 PM

This is a letter that came from NCAMP
Dear NCAMP Member:I hope this explanation will clarify the misinformation reported by the NC press and consequently running rampant throughout the mortgage industry today.The bill (HB 2188) which was signed by the Governor Mike Easley (D-NC) contained amendments to the: Mortgage Debt Collection and Servicing Act; the High Cost Loan Statute and the Rate Spread Home Loan Statue contained in HB 1817 which became law in August 2007)This bill does not eliminate YSP to brokers. Nor does any other bill that was taken up by the NC General Assembly this session. (For the … (0 comments)

Bankruptcy Chapter 13 Refinance FHA Buyout Mortgage - 08/17/08 08:56 PM

About 2 million families in the United States have filed for bankruptcy between 2002 and 2003. If you have recently filed for Chapter 13 bankruptcy in the previous 12 months, you are probably having difficulties getting credit approval, especially for a Bankruptcy home loan. You may find a lender that will work with you but the mortgage rate will be a lot higher than the average mortgage rates.A Chapter 7 bankruptcy status stays on your credit bureau file for ten years following the date that you are declared insolvent, and 7 years for a Chapter 13 Bankruptcy. While many mortgage lenders do not permit applicants with negative credit … (0 comments)

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