Me, being trusting and lazy (I research like crazy once I'm aware of it, but unfortunately will not always seek to find out all that is out there) presumed we were stuck until it was paid down, in a falling market. At the time we had a 7.5% second and 5.75% first, and little to no equity. I contacted Quicken back then because Chase gave me no options. We am currenty refinancing out of our HARP from last April. They have new ownership now, and probably a better portfolio, but idk.
I worked for the former and this purchase was a large reason for the bankruptcy. "Conseco to acquire Green Tree in $6.4 billion stock deal" I am due to talk to a mortgage specialist tomorrow. My home is at least 75k under water and they say they have lifted the LTV requirement. Anyway, just trying to take advantage of the HARP before it runs out. I have always heard if your making your payments on time they won't help you and that's allmost turning out to be true. Thanks for the info! I have an investment property as well that NFCU holds but everytime I have filled out a self assessment as they say to do online, they never call me back and when I have called they just say it takes 30 days to be contacted but that's after 3 months of waiting! And on top of that they would send the same generic literature through the mail about how wonderful this program was and to take advantage now!! This has happened at least 3 times over a years time and finally I posted a comment on their facebook page and someone called back right away the other day. Hopefully you can do the same and maybe we can both help each other out. If you'd like I can keep you updated in this thread on my progress in the coming days. What convinced me to try them out is all the great reviews they have gotten. I did lots more research this weekend and I'm going to give quicken loans a shot first. What I'm going to try and do is just not call up Green Tree like I did with B of A.
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Plus I've read TONS AND TONS of horror stories about Green Tree.
I'm really wishing it was still with B of A so that I could refi with them since I got such an incredible deal.
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SO now I'm kind of wondering how to proceed on my primary that was just transferred over to Green Tree.
So I shaved about 7.5 years off my loan and my payment only went up about 10 bucks a month. I'm really amazed I was able to get that low of a rate on an investment property.Īlso all closing costs were rolled into the new loan also. Paid about 6000 in closing coasts but about 2500 of that was from 2 points to lower my rate so low. The notary came out to my house and I spent about 30 minutes signing all the papers!Īnyways, I went from a 30 year with about 23 years left on it, that had a 6.5% APR, to a 15 year fixed with a 3.1% APR. And I closed on my new loan a couple of days ago. Replied to some emails sent to me and vice versa. Signed some forms that they mailed me a week later. So all in all I spent about an hour on the phone. I kinda got screwed though in that just the week before I called B of A, B of A had just transferred my mortgage on my primary over to Green Tree! So as a result I was only able to start the REFI process on my investment property. Phone call was about an hour and set the ball in motion. I thought it might be easiest to go this route since they already service my 2 properties.
I thought I'd just call them up first and see what they can offer. B of A is the original and current holder of both of my mortgages on these 2 properties. I contacted B of A about 6 weeks ago about doing a HARP refi on my primary and investment.
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