- This topic has 22 replies, 1 voice, and was last updated April 10, 2007 at 8:08 pm by .
- April 10, 2007 at 8:08 pm #251542Guest
> Thanks for the info. My husband is going to seek a PT job and I have
> agreed to do most of the yard work this summer, so he can work the extra
> hours. We won’t spend a lot of time together, but we will be able to
> pay more on the debt as well without making any new bills. That alone
> will help! We are also going to credit counseling. Our home mortgage
> has a great rate, and refinancing would only come at a higher rate, so
> we are not going that route.
> Pray with us for our success. We will keep looking for ways to cut,
> cut, cut. We are going to sell off some things too. Does anyone know
> a less fee heavy way than eBay that still reaches a wide audience, and
> eliminates that “will you take this instead” thing?
> ladydressmaker <OnTheRanch@hughes.net> wrote:
> I’m brand new to the list, just a few hours on it in fact. But we
> recently found ourselves in a similar situation. I contacted the
> company that had my mortgage and over the phone, with email, faxes and
> such got a low interest second mortgage. No fees, appraisals or
> anything and I didn’t have to give up my dream home. Because they
> already had the first note they gave us lower interest rate, plus we got
> an even lower one when I agreed to an automatic debit to the
> account the fifteenth of every month.
> Even if you recently got a home equity loan it might well be worth the
> phone call to your mortgage company to see what they recommend. It
> lowered our bills $600 per month and will be paid off in 10 years.
> If you truly have absolutely no equity left to get a bill
> consolidation loan with maybe you could check with credit counselling.
> My mil did and they negotiated with all her creditors to where she has
> one monthly payment that is automatic (she got a lower interest rate
> that way) from her checking. It will pay off all her credit card debt in
> 5 years. The rates negotiated for her were extremely low and it was a
> free service.
> Either way I’d stay away from a condo, they come with all sorts of
> restrictions and problems, plus if one person causes any damage to the
> units all pay for them. Jan who is determined to pay off her 10 year
> home equity loan in 5 years in OK
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