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Hello all,
First post, and I hope I'm in the correct forum. If not, Im sure the mods will relocate for me. (They, and the posters on here do a great job) I've been reading and watching. Here's my question:
DTI??
I have 3 mortgages: O/O, Vacation and one I won't sell in this market. (Kid occupied)
I'd like to refi my O/O and I'm not sure how to figure this. I'd like to have my ducks in a row before I start. (It can't possibly be what I figured it was!)
Debts:
Approx. total owed on all 3: 225,000.
Conservative value: (All) 590,000.
Pmts on all 3 (monthly) 1,703. (x 12 = 20436. annual)
Prop taxes all 3 (annual) 4,042. (I pay annually in December)
Insurance all 3 (annual) 2,725. (I pay annually when due)
Available Credit:
CCL's: 59,800. (- 1% UTL, less than 200. balances )
HELOC (on O/O) 16,700. (0 balance, only drew the amount required and PIF'd)
No installments
No auto loans
1 30 day late (4 yrs.) dang it!
Gross: 108K
36+ yr. history, AAoA's 13 yrs
EQ: 796
TU: 804
EX: ??? only reporting 1 TL and wouldn't you know it's the 30 day! From what I've read, it shouldn't hurt.
Thank you
you are fine.
but you will need to close the heloc.
otherwise the u/w will take the maximum payment which is maxed out line + max interest rate.