John asked:


Hi,
I can barely pay my mortgage i actually have been taking cash advance from credit cards to pay for this. I have been getting recorded calls from my bank about loan modifications i called them back told them my situation. Refinance is not an options as i am upside down 10k and have a prepayment penalty that is lifted in April. I currently have a 9.5% apr with countrywide. Any good info would be great.

Cynthia

molly asked:


I am trying to buy a corner lot with a brand new two car garage and a 14×74 1977 Century mobile home. The property also has a brand new two car garage. It has been a second home to a retired couple and they have taken great care of the place. Every season this home has been serviced and while they are gone a local man takes care of the property for them. Its probably been better maintained than most stick homes in the area. They put in two new decks, new roof, insulated windows, air conditioning, plumbing, fixtures, and carpeting in the last six years. Not one bank or mortgage company can give me a name or number for someone who handles these types of loans. I have just sold my stick home in a nearby town. My credit is great and I have the 25% down. Any advice is hugely appreciated.

Shane