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My post was to perception check regarding cash out refinances and foreclosure. Yes I can afford the new home, its more but affordable. So If I lost this one I would be out my remaining equity, but I got the majority out of it personal loans nj already. I started this in October and the market has been great. No one quick loans with bad credit could have predicted this odd event, so sure I assumed the risk of something odd happening while I did this. If they are strictly places to live, then who cares what your rate is or what you pay? It is not ONLY an investment because yes you have to live somewhere, but we could easily live in apartments and never buy houses, we buy houses because ownership is said to have a financial benefit and stability. If you read my post, it was not meant to spark a philosophical discussion about what someone SHOULD do, it asked perceptions about what someone COULD do. I am not looking for support or reassurance, I am looking for FACTS about what is possible. However I am not interested in what you think I where to get a small loan should do, or what lessons I should have learned. In fact, I personal loans nj think I did pretty good with the crash in 2008. I had a house that I was upside down in and I went and purchased another and rented the upside down house. It got wrecked and beat up and I collected rent and let it go. I purchased the new house in 2010 and made a lot off of it because it was purchased at a deep discount.

So that equity I did not allow to just evaporate like I did before.

I did a cash out refi and put the money in a savings account to use for the down payment on a new house. I still have equity left to sell and maybe have about 40 or 50k leeway.

Maybe I have to drop the price, maybe it gets so bad I cant easy personal loans with bad credit sell. I already got my money out of it, unlike last time when I lost all the money I put down. My post was to perception check regarding cash out refinances and foreclosure.

Yes I best loan interest rates can afford the new home, its more but affordable.


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So If I lost this one I would be out my remaining equity, but I got the majority out of it already.

I started this in October and the market has been great. No one could have predicted this odd event, so sure I assumed the risk of something odd happening while I did this. If they are strictly places to live, then who cares what your rate is or what you pay? It is not ONLY an investment because yes you have to live somewhere, but we could easily live in apartments and never buy houses, we buy houses because ownership is said to have personal loans nj a financial benefit and stability. If you read my post, it bad credit cash loan was not meant to spark a philosophical discussion about what someone SHOULD do, it asked perceptions about what someone COULD do. I am not looking for support or reassurance, I am looking for FACTS about what is possible. You buy a house, raise a family and then downsize to a smaller house when you retire. Invest your money direct lender payday loans no teletrack 100 approval in the stock market, not in your house. And I agree with you that home ownership does give you financial benefits and stability that a rental apartment can not.

Your last sentence sums it up well for you and what you consider an acceptable level of risk: It sounds like we both made it through the 2008 crisis but in different ways. I certainly look at housing much different than I personal loans nj did back then and will even tell you that I thought exactly like you when I bought my first house almost 30 years ago. However, when you get older, risk tolerance changes and I could not go through it again.

You brought out different views, very important ones. Jzone is more humble and conservative in future decisions. Where as, OutsickToday is seeking opportunities at a risk and actually took advantage of the previous situation. But the bottomline is everyone background and situation are different. One may have family depending on them to have a shelter. Other may have rich relatives to retreat when all is gone. But high on the list, if it is true with what damage the Corona virus can do, we will all need to be humble and conservative.


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You buy a house, raise a family and then downsize to a smaller house when you retire. Invest your money in the stock market, not in your house. And I agree with you that home ownership does give you financial benefits and stability that a rental apartment can not. Your last sentence sums it up well for you and what you consider an acceptable level of risk: It sounds like we both made it through the 2008 crisis but in different ways. I certainly look at housing much different than I did back then and will even tell you that I thought exactly like you when I bought my first house almost 30 years ago. However, when you get older, risk tolerance changes and I could not go through it again. I have helped a lot of people on here in the past save their homes and I concur with you, about the house 1000 loan today is a home. I will not help anyone who is trying to profit off advice here, for their investments and believe people like that should be banned from this site. I believe that is not what this site was intended for. On what grounds would there be a wrongful foreclosure claim? Did they do something in particular, wrong that could be used in your favor? If you had made the 3rd Payment, they would have released the NOD and would have had to start the entire foreclosure process from scratch. I used some people help from here and I appreciate it a lot. The rate is calculated for a 20 years amortization. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Hello All, I am still here and see some of familiar names, still. My 10 years are passed already, wow,,,after postponing I dont know how many hundred times we have another sale date on this Wednesday. ANY THOUGHTS, SUGGESTIONS, OR ADVISE IF THEY FORECLOSE THE DAY AFTER TOMORROW... What I mean is at one point we knew it will foreclose and my lawyer says she may go after wrongful foreclosure. Hello All, I am still here and see some of familiar names, best rate loans still.


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My 10 years are passed already, wow,,,after postponing I dont know how many hundred times we have another sale date on this Wednesday. ANY THOUGHTS, SUGGESTIONS, OR ADVISE IF THEY FORECLOSE THE DAY AFTER TOMORROW... What I mean is at one point we knew it will foreclose and my lawyer says she may go after wrongful foreclosure.

Hello All, I am still here and see some of familiar names, still.

My 10 years are passed already, wow,,,after postponing I dont know how many hundred times we have another sale date on this Wednesday. ANY THOUGHTS, SUGGESTIONS, OR ADVISE IF THEY FORECLOSE THE DAY AFTER TOMORROW...

What I mean is at one point we knew it will foreclose and my lawyer says she may go after wrongful foreclosure. On what grounds would there be a wrongful foreclosure claim?

Did they do something in particular, wrong that could be used in your favor? If you had made the 3rd Payment, they would have released the NOD and would have had to start the entire foreclosure process from scratch.

Thanks for the answer but as I mentioned the amount of the payments were very high and they made 2 big mistakes on calculating property tax and insurance. I sent them both documents and told them to correct it then I will pay. About the wrongful foreclosure I have thousands of pages of facts and evidences from Countrywide, MERS, Bank of America, SLS all the way to Nationstar and MR. For now the sale date is postponed again because we filed a TRO and thanks again for your thoughts and I welcome new ideas. Thanks for the answer but as I mentioned the i need cash now amount of the payments were very high and they made 2 big mistakes on calculating property tax and insurance. I sent them both documents and told them to correct it then I will pay. About the wrongful foreclosure I have thousands of pages of facts and evidences from Countrywide, MERS, Bank of America, SLS all the way to Nationstar and MR.