Loans

Points are upfront mortgage interest that you pay the bank in order to reduce the rate that you pay over the life of the loan.

Are discount points worth it? Sometimes yes. Sometimes no.

The general "buy down" is what we call it in the industry is that you pay a half of a point to get a 1/8 reduction in your rate for the life of the loan.

That's a general rule of thumb. Doesn't always apply, but that's a general rule of thumb. A point is 1%. 1% is one point. And if you're borrowing a hundred thousand dollars, that's $1,000. But if you figure out what the savings are over time, you'll find that by paying half a point or one point you'll usually benefit in the long run.

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Credit unions have an unusual tool in their arsenals that's perfectly legal: They can revoke your membership (and ban you from rejoining) if you have ever "caused a loss" to the credit union--including discharging ANY debt owed to the credit union at ANY time. If she had another loan (NOT the car note) from the credit union before bankruptcy that was discharged, that's legal.

If the car note was her ONLY debt to the credit union, it's probably improper; but I expect you'll need a lawyer to fight it.

The guarantor is liable to pay the entire loan on demand of the creditor plus any collection fees.

Each person who co-signs a mortgage is equally responsible for paying the mortgage.

If your mother has died then her estate must be probated. The debts of the decedent must be paid before any property can be distributed to the heirs. You need to consult with an attorney who specializes in probate in your area who could review your situation and determine what the obligations are regarding the mortgage.

At 18 you are of legal age to be legally bound by contracts that you sign. If you have a good history of paying bills that are in your name (cellphone, credit card, etc.) than it is safe to say that your credit score is in good standing. Lenders will look at your credit score, your current debt, current income, and based on that information determine your interest rate. At that age you should be more concerned with how you can make the money you need vs. borrowing the money. Borrowing money is expensive and if it is an unsecured personal loan, meaning there is nothing that the lender can fall back on if you stop making your loan payments, the interest rates can be significantly higher than if you have some collateral such as a car, home, etc.

Yes. Whether or not you get results will be dependent on a number of things, but it would appear that you have a good case there (although one can't be 100% certain without knowing the details).

Yes you can be a cosigner if your credit is approved by the lender. Also, you should be certain you can afford to make the car payments in case the primary borrower fails to pay. You will be held equally responsible for paying the loan. In most cases where someone needs a co-signer, their credit is not up to speed, and the risk that they will not pay is passed to you. Think twice about getting entangled in their financial situation.

You would multiply the rate of interest by the amount owed by the amount of time the payment is late. For example if you have a payment due of 100 dollars and it is 6 months over due at an interest rate of 5% annually you would first calcuate what is the monthly interest rate by doing .05/12 which would be .00417. Then you would multiply the amount owed (100) by the monthly interest (.00417) by the number of months (6). 100x.00417x6= 2.502 Therefore you would now owe $2.50 of interest plus the original amount due 100= $102.50.

In the USA, Parent PLUS loans are based on credit. Graduate PLUS loans are not based on credit. So, if you are taking the loans out for your kids, then yes the loans are based on your credit score. If you are taking the loans out for yourself for graduate studies, then it does not matter what your credit rating is.

Not directly, but you can take a cash advance from a credit card to pay off the loan. However, that probably is a bad idea, since the cash advance charge and the credit card interest most likely would exceed what you owe for the loan.

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Yes, there is no limit to number of Apartments you can rent/cosign on.

However, the new landlord may run a credit check/background check on you, if you have too much debt or cosigned on another apartment they may consider you to be roo risky to rent to.

There are all kinds of ways to come up with money for a down payment including savings, borrowing from a family member, taking out a payday loan, using a peer to peer lender, selling stuff you own, or getting a second job. the method you chose deoends on how much money you need to come up with for your down payment.

after paying the auto loan to cover the car and more. What's left is the interest rate the lender adds on at the end of a loan, if you become delinquent in paying on the interest added, can the care get repo'd?

Not as such. The bank can assess your property and sue you for the amount left over after the sale of your repossed automobile.

If you owe less than the car is worth(in the case of the non repo'd car) the court can force you to sell it and surrender the equity from the sale.

If that car is your only car left, some states will consider this primary transportation, and not allow it, however.

There are a number of factors which should be considered before taking a loan including (but not limited to) the following:

* What is the purpose of the loan (e.g., is one buying a house, car or iPad)?

* What is the most suitable type of loan for the purpose (e.g., mortgage, auto loan or using a credit card)?

* What can you comfortably afford in monthly payments (e.g., $100 vs. $500 per month can support vastly different size loans)

* How long do you want to take to pay (e.g., five months or five years)?

* How is your credit history (i.e., good or bad)?

* What is the interest rate and the fees that you may pay?

* How many different lenders can provide the loan (e.g., if there are many lenders, the pricing will be competitive)?

* Do you REALLY have to have what it is you are buying (i.e., does putting off the purchase hurt your health or life)?

The mortgage company will force-place coverage for the dwelling for you. Ultimately, you will be paying for it. It will also be A LOT more expensive for you with (generally) less coverage.

Co-owners of real estate each have the right to the use and possession of the whole property. Your co-owner needs your permission to move another person into your property. Your co-owner should discuss the matter with you and reach a fair agreement for sharing expenses if you agree to allowing a new occupant to move in.

It is not likely unless you have some other way to guarantee you can make the mortgage payments.

That would depend on the interest rate you got at the time of negotiating the loan. You don't say what the loan is for, but if it is for a car, try and negotiate your own loan with a bank, rather than go through the auto place's financing company. You'll get a better deal.

You never have any student loans left once you are retired. This is because your student loans need to be paid off when you are 50 years (or sooner if possible). If you are granted a student loan you will be told this and they will help you set up a payment plan.

PS: This is how it works in Sweden where I live. Since I don't know where you live I can't specifically help you, but I assume that its equal in many other countries.

In the USA, a Federal student loan must be repaid, whether you are retired or not. There is no statute of limitations on Federal student loans, unless you are signed up to the IBR repayment program. If IBR, then a limitation of 25 years is in place.

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