Stands Adjustable
Adjustable rate mortgage need advice?
We are currently in an A.R.M. We owe about $30,000 more on our home than it has recently been appraised for. We are wanting to get into a fixed rate mortgage, but our lender is telling us that we “make too much money” We are not currently behind on our payments, but because our payments continue to go up every month, the day is going to come when we wont be able to make the payments.
We were also told by some guy that if we fell behind on our payments for a couple of months, we’d be more likely to get some help. We are NOT willing to intentionally destroy our credit and think it’s ridiculous for someone to even say that to us.
What are our options, and why are we unable to get a fixed rate when we have good credit, are in good standing with our lender and considered to be responsible homeowners?
I just don’t get it!
Start with your Note. You should have your Mortgage Note, signed at closing. It will describe how the ARM will adjust. Many ARMs are adjusting down right now because of the drop in all of the key lending indexes. If you have no trouble making your payments, I would consider getting aggressive with your payback. Start adding major principal payments to your payments. That will reduce your principal faster and lessen the impact of future rates adjustments. Refinancing is not an option until you owe less than it is worth. That will only happen 1 of 3 ways… Pay down, Bring Money to closing, or wait for market appreciation. A modification will not work. You are not behind, you make plenty of money so you are in a positive cash flow. Banks are trying to help homeowners that are in negative cash flow situations or are already behind. hang in there.
Beacon World Class Pallet Stand and Pallet Lifters 800-454-7159
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