refinancing a condo - taking for ever - Any ideas why?
Rocky, I just closed a refinance for a borrower that began the refinance process in May with his current mortgage holder (Chase) and after 8 weeks, they told him it would be at least another 60 days before they could get him closed. I got the file and closed it in 3 weeks, and even after closing and funding...

Have the rates already hit their bottom? Did i miss out to refi?
Jared, the worst thing about finding the bottom in any market is you can only see it in the rear view mirror. That said, I agree with Ken on this one. It really depends on what your long term goals are with the house, and how far away the adjustment is on your current mortgage. If your rate is adjusting soon and...

both me and my sister name are on the mortgage, i am married she not. problem is she say she not responsible for half just 1/3. it is two of me and one of her. right now i can not afford to pay 1/3-1/3 my hunsband not working a full time job. and i have one son and my duather just sarted to work. what are my legal rights.
I agree with Al on both comments. It is smart to consult a real estate attorney in the state where the property is located. And, it may be in your best interest to sell.

If we do take advantage of $8,500 tax credit, who do we file it with?
Jill, the tax credit is good up to 10% of the purchase price of your home (not to exceed $8000 total), and you can file an amended return for 2008, or file it as part of your 2009 return next year.Consult your tax adviser for specifics as they relate to your individual tax situation.Steve Russellwww...