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  • I don't think so refinancing is a great option. Just in my own opinion.

  • Still seems to be a buyers market a the moment in mortgage terms

  • Mortgage rates are really low. Its time for homeowners to consider refinancing of their properties.

  • The deals are still out there now, and if you have good credit you can get a mortgage in the 3.5-4,5% range, at least a full point lower than when this video came out. If we have inflation down the line like many predict, now might be the best time ever to buy a home. Or at least refinance. Manage your credit like it's your life.

  • Tips & tricks on how to get approved. MortgageLoansCo(DOT)Com

  • I have a friend in Los Angeles who seems to be able to create miracles in getting folks a mortgage. Maybe you should try him. His website is MortgageHelpLosAngeles.

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  • this pg of comments is filled with spam comments so..wht the hell?

    i will be under ur bed tonight and i will shoot an ak47 up ur butt so u moan and moan until i get in ur bed and rape u to death...

  • 1.Matthew 24:35

    Heaven and earth will pass away, but my words will never pass away.

    Matthew 24:34-36 (in Context) Matthew 24 (Whole Chapter)

    2.Mark 13:31

    Heaven and earth will pass away, but my words will never pass away.

    Mark 13:30-32 (in Context) Mark 13 (Whole Chapter)

    3.Luke 21:33

    Heaven and earth will pass away, but my words will never pass away.

    Luke 21:32-34 (in Context) Luke 21 (Whole Chapter)

  • I BELIEVE in ONE And Only One God.....He is everywhere.

  • OMG! SO sorry! I'm just too scared!Ok.... There was a lady who was walking in the forest with her dog and was killed. If u r reading this, then u will find a dead bloody body hanging in ur closet. U will be haunted and killed by her. to stop it posti this to 6 other videos in 30 GOOD LUCK

  • july. may 20th. 1930.A girl named Ashly Kingsworth was looking for down a well and a ghost pushed her down the well. now that you read this you must Copy and Paste to 2 Other Video's or else tonight at 12:00she will stand at the end of you're bed and pull you down the well she died in.

  • OMG! SO sorry! I'm just too scared!Ok.... There was a lady who was walking in the forest with her dog and was killed. If u r reading this, then u will find a dead bloody body hanging in ur closet. U will be haunted and killed by her. to stop it posti this to 6 other videos in 30 GOOD LUCK

  • DO NOT READ! A little over 20years ago a 12 year old boy was playing with his basketball in the street on Acto Street, NJ. Some teenagers who were drag racing on motorcycles weren't paying attention and ran him over and killed him. it is said that if you go on Acto Street, turn off your car, and blink your headlights 3 times you will see the figure of him bouncing the ball. Now that you have read this you must post this on 4 other messages in the next 10min, or you will die in an auto

  • Ephesians 2:8

    For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:

    For further study - Ephesians 2:1-10

    What a truth - the message of our key verse in our reading today, verse 8. It is the grace of our wonderful Lord and Savior Jesus Christ - it is the grace by which we are saved. There was no work that I could do to be made pure, only the blood of Jesus Christ could cleanse me, and you, and make us whole.

    Thank you Jesus.

  • Praise the Lord !!!

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  • Here are ten facts 1. Your reading my comment 2. Now your saying/thinking thats a stupid fact. 4. You didnt notice that i skipped 3. 5. Your checking it now. 6. Your smiling. 7. Your still reading my comment. 8. You know all you have read is true. 10. You didn't notice that i skipped 9. 11. Your checking it now. 12. You didn't notice there are only 10 facts Copy and paste to 1 video, tomorrow will be your best day ever! no matter what
  • Honk if Im paying your mortgage

  • Ya gotta have a savings plan.

  • ATTENTION all of youtube!!!!!!! A massive prank will be pulled on the comedian "Fred" on june 1st!!! Here is how the prank works. Once June first hits Everybody who has a life is going to unsubscribe to "Fred" , and its bound to make the news!!!!! Copy and paste to spread the word...P.S. I DIDN'T START THIS

  • If I were to do buisiness with a finacial institution and they all of a sudden would not give me a second mortgage I would remove all my money from that intitution.

  • Here, here!

  • ALL YOUTUBERS!!!

    A massive prank will be pulled on "comedian" Fred on youtube.

    What is trying to be done is get everyone that has a subscription to fred, to unsubscribe. Unsubscribing begins on June 1st. COPY AND PASTE TO OTHER VIDS IF YOU SUPORT THIS!

  • One day, kameron found a note in her yard saying that bloody mary is going to come in her home and kill her at night in 3days. kameron threw the note away and three days later her parents found her dead, laying on the bathroom floor with blood everywhere.

    someone didn't forward the message to the three videos and she went to te hospital and got pneumonia and died.

    5 vids: nothing will happen to u

    3 videos: u will get pneumonia

    1 vid: bloody mary wil haunt you

  • 1 take a deep breath

    2 think about the one you love

    3 press F10 5 times

    4 send it to 5 videos on youtube

    5 look at your background

  • Usury, fiat currency, market manipluation and insider collusion. Corporate control of the people's money and legislatures. 5th Horseman is correct. If you have to pay taxes on it, you don't own it.. We have allowed ourselves to become slaves- indeed, we beg for the slavery, demand more police, more jails, rather than having to do the heavy lifting that a democracy and a real society requires.

  • They are full of shit,,,

  • STUPID POLITICIANS give away MONEY to the wrong ones.

    hey I need HELP, petition to get the gaurdian angels to teach martials arts to grades k- 4th in schools with Tax money in honor of SANDRA CANTU., against MONSTERS.

  • The dems want more and more ppl dependent on the govt to perpetuate their power, the sooner ppl realize this, the sooner we can kick these fools out and re-elect true conservatives to undo and fix the probs they and the RINO's caused since Reagan departed

  • All I can say is that history always repeats it self in some strange, unusually way.

  • I cant decide weather to believe in people not being able to default on mortgages for less government involvement. I also believe in having credit checks and what not or else it is not a legal mortgage and the homeowner is entitled to the money he/she payed the lender back. Quoting Morgan Spurlock "when does corporate responsibility end and personal responsibility start."

  • watch?v=rOAmD9KAfxA

  • In a country with so much wealth, why's everybody in debt? Debt is the new slavery, the difference is the master does not have to worry about housing or feeding you. If you ever get sick, and you will, they rob what's left of your wealth and you're in the street.

    i must say within the next 2 years is a good time to buy a home. The greedy have paved the way to a good deal.

  • ^

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  • second wave of morons selling into slavery for a place to live way to go USA biggest slave market on the planet

    next up join the army and kill people to lower your interest rates yeah

  • I guess you would prefer it if everyone paid rent for their entire lives. Please tell everyone how you would change things if you were completely in charge of the USA.

  • first off you do pay rent your entire life you don't own anything not even your car .

    first thing get rid of the federal reserve as it operates now it operates on debt all that does is make people who do nothing IE bankers rich from loaning out money that doesn't exists yet then when the shit hits the fan like it is now they print up more money and drop the worth of the current dollar down to nothing and make anyone who actually works for living look like an idiot Im out of space to write more

  • obviously if u pay in full for the car its yours...

  • you will git a certificate of title not the actual title the state you live in gets to keep the title and use that as collateral for sate loans from the federal reserve just like you have a Birth Certificate the state own you slave. try and do anything without your birth certificate or social security card good luck slave

  • did u just call me a slave?

    i dont care whats on the paper the car that you buy becomes your property. slave.

  • if you don't pay a debt or if you break a law your property is confiscated why?

    because it was never really yours to begin with.

    why do you think if a car with diplomatic immunity can't be towed ? can't be impounded because it's not the states property it's not the USgov's property they have no jurisdiction over it but you they own you.

    word slave bothers you(and it should)

    but paying outrages tax's and life savings becoming worthless doesn't .

  • I think the point is that the value of our time is being eroded away and what used to take one income to own now takes 2 or 3. Why should people have to enslave themselves for 30 or more years just to own a home? Is the value of our time so worthless? See my channel on Silver. Thanks.

  • this is crazy man.

    hey if anyone likes this video and quads in general you should check out my new movie, Riders of Windham 3

  • hahahah. what?

  • It happens.

  • If I only had some money...

  • Take this Avice:

    1. put your finger on your nose

    2. hold your breath for 5 seconds

    3. say the name of your love

    4. that person will ask you out on the next Friday

    5. you will have the best day tomorrow

    6. if you don't copy and paste to 2 other videos you will have bad luck and die in 2 days

  • 1. copy and paste

    2. send this to 2 other videos.

    3. hold your breath for 10 seconds

    4. press refresh twice

    3. LOOK AT YOUR HANDS

  • yes

  • no one cares

  • medina

  • this video sucks, this ones better

    watch?v=_Q2Upi9EIdU

    p.s. im a fucking faggot!

  • 2:08 i'd like to give that babe my big mortgage

  • make that 0:37......i'm retarded

  • book free download 50 pgs , How God Created the Universe , see video for info .,.,.,peace.,.,.,.,

  • this is balony.

    the banks are not lending.

    the banks are not lending

    the banks are not lending

    GOT THE MESSAGE

  • 1)copy&paste

    2)post on 2 diff vids

    3)Hold your breath

    4)look at your hands

  • take ur middle finger and put on ur nose. 2.say a name of someone u like. 3.that person will ask u out or say they love u tomarrow. 4. heres the thing copy and paste to 2 other vids dnt read this(cuz it really wrks). u will gt kissd on the nearest frieday by the love of ur life. 2mara wll b the bst day of ur life hwever if you dnt post ths comment 2 at least 3 vids u will die withn 2 days

  • if you like comedy, youll love us :)

    please subscribe!

  • 1)copy&paste

    2)post on 2 diff vids

    3)Hold your breath

    4)look at your hands

  • what unmitigated bullshit ! I have gold plated credit over 800,

    but no banks are lending ...

  • So let's get this straight. If you have kept your job, have stable income, references, etc. --- then you might not be able to do a re-fi. But if you are a 22 year old who has never gotten a credit card, and you graduate and get a job, then all of a sudden you are Entitled to a Great Big New House.

    So much for 'hard work' ethic. Tiny Timmy Geithner will make sure that only the American Idol generation is rewarded.

    Liberalism Bank Fraud=Barney Frank

  • This is all just one big broken window fallacy.

  • search the OBAMA DECEPTION

    stop the new world order!!!

  • Didn't your grandparents ever tell you? Save up for the things you want, stay away from debt. Americans are laden down with so much debt because we've forgotten how to save up for the things we want. We want what we want and we want it now. Wages have gone down and the price of living has gone up. So, we borrow more to stay afloat. You guys know what's happening? The richest men in the world are becoming richer, and more powerful, you think they lose sleep at night like we do over all this?

  • To be honest with you, growing up I moved around A LOT, and we never owned a house, so I didn't have a good example. I've had to learn by experience as I've gone. My husband and I live below our means, so that we own our house and it doesn't own us. My husband works in law enforcement, and anyone familiar with that will know we're sure not getting rich. But yes, what you say it very true, but I've had to learn it on my own.

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  • Yea the banks won't lend to you with a couple of dings on your credit, yet the government is lending billions to these same banks whose own credit history is so catastrophically bad that they almost ended the world. Talk about a double standard!

  • 1)copy&paste

    2)post on 2 diff vids

    3)Hold your breath

    4)look at your hands

  • Rooters sux. I only clicked on this video because I thought it was from the onion.

  • This is good news about your eternal soul. You can live forever.

    All who believe in Jesus Christ as their Lord and Savior will receive salvation and everlasting life. According to God, we are all sinners and can not do anything to save ourselves. But because He loves us, God sent the Messiah, His only Son Jesus Christ to DIE for us. He was buried, but after 3 days, God raised Him up from the dead, and He now reigns as King. Whoever believes will be saved. It is a gift of love from God.

  • This is BS. My husband and I checked into refinancing our home, but we didn't qualify for the lower rates because we pay our bills on time and have good credit. If you're behind on your house payments and don't make enough money to afford your payments, then they will lend you the money. I'm sick of being penalized for playing by the rules.

  • Same exact thing with me and my fiance. We've done everything correctly but we make too much money, have good credit, and everything just like you said to refinance....what a bunch of crap...such a hypocritical world we live in....we're penalized for doing exactly what we've always been taught to do.

  • What's so pathetic is that 1 in 10 houses sit empty from all the foreclosures. Prices are lower than ever on homes, and yet no one can seem to qualify for the loans. Wells Fargo holds our mortgage and we wanted to refinance for 15 years...I guess they don't want to lose that extra interest we have to pay on a 30 yr. Sorry you've experienced this too. It's wrong, wrong, wrong!

  • Why didn't you qualify for a refinance with Wells Fargo ? Perhaps you should apply to another lender if it saves you enough money.  Are the home values in your area holding up ?

  • I really should delete my post on that. We did qualifiy for a lower rate, but it was so close to what we already had that it made better sense to keep what we have with our loan as it stands. We did not qualify for the good nice new lower rate because we were told we weren't in distress and were able to pay our bills on time, etc. Makes no sense to me. It's like rewarding the irresponsible and penalizing the ones that do what they should.

  • I'd welcome understanding your particular scenario. It would help me understand what my prospective clients are looking for and having to deal with.

  • i wanna buy a house ;-)

  • fuck the federal reserve.

  • If you guys like this noise...you'll love the cover of "Are You That Somebody" by Boris Pelekh with a very funny music video included free!!!

  • ☻/

    /▌

    / \ Stop the NEW WORLD ORDER.. !

  • do not buy gold, or stocks. buy food, mre's, and supplies. I told you to cash out ur retirement 8 months ago. What's it worth now? When will you listen. Silly wabbit stocks are for the rich.

  • now watch and see if these idiots don't get into mortgages later they will cry and moan they got shafted or pushed into. Or even better watch the fools get into a house they know they CAN NOT pay for much like the people who lost there homes to start with!

  • I am the king of all penises!!

    Bow down before me or I will claim your penis!!

  • Want to make money? Buy a house and rent it out. People can't get loans

  • what do we want?

    Affordable housing

    When do we want it ?

    NOW

  • n 1820 a man named fredrick osloft one day was working in his lab until a ghost came by and killed him the next morning he was nowhere 2 b found 100 years later 2 boys went in his lab as a dare the boys were never found again were aparently murdered . now that u have read this comment when you go to sleep the 2 boys and fredrick will come and kill u but u can stop this by posting this comment of 5 other videos by midnight

  • Whoever posts the Fredrick Osloft stories will grow up to be an ugly fat woman with a very very wide,flat and dimpled behind. Her boobs will also sag and she will have more gut than butt.

  • your all right, i mean wrong, i mean uh you guys suck!

  • i'm doing good with money. i make like fifteen thousand a month and i'm 15

  • no duh nobody has jobs to buy houses anymore.

  • at 1:31 it sounds like he shouted EJACULATION ...

    I am the king of all penises!!

    Bow down before me or I will take your penis with me!!

  • Lmao

  • Global Reuters Amerika Utara FDIC HUD Rekam Low Mortgage Rates

  • Every body can thank Barny freakin Frankinsmoocha and that Nancy Peloony for that mess.

  • and as the cycle continues more people loose their jobs and it just feeds itself. they needed to buy all those homes and stop the spiral not give it to the bankers who just sit on it.

  • the reason for the slump was made up house values i live in fla and own 12 acres that i bought in 1997 for 32000 the person a stones throw from me sold his for 120000 the person who bought it then put it back up and cant sell it land and houses cant increase overnight people that bought high are walking away from the loans as they cant get what is owed if they sell

  • yea and these people will lose their jobs and the cycle continues

  • Empty Suit? Nigga, wikipedia, and see all the shit he's done in the first two months that Bush didn't even do in one year..... fucker

  • You're a stupid redneck aren't you? Obama has been tried, have you not been awake? The economy? Hello idiot. You're going to tell me "oh he hasn't been through 9/11 yet so he sucks". Go get an education you dumb hillbilly. Btw, you're cursing and using the N word is very childish and just makes you look like more of an idiot.

  • on top of that, it was Bush who planned 9 11. of course that wigga had a back up plan.

  • great plan obama.......take the people's money....give it to the banks so the banks can lend it back to them and pay interest on it.....dumbass....

  • Sure, and from now on houses prices will grow 10% a year for next 50 years !

  • kdsnc

  • I hate these stupid commercials/news casts telling us that the economy's bad. It's just depressing.. If Obama would get on the T.V. and say "Ok, it's all better now", instead of downing the nation's economical affairs, this would all be fixed.

    1 star.

    ★☆☆☆☆

  • Uh, yeah, that's what happens when a bubble bursts. They're supposed to go down. The prices were artificially inflated.

  • hey come chekc out our channel for some laughs!!! (:

  • hmm, Westboro Baptist Church??? I think so, nutjob.

  • THExDEMIxWASxHERE

  • A. Revelation 5:9-10 KJV says:And they sung a new song, saying, Thou art worthy to take the book, and to open the seals thereof: for thou wast slain, and hast redeemed us to God by thy blood out of every kindred, and tongue, and people, and nation; And hast made us unto our God kings and priests: and we shall reign on the earth. Only the Church can say these things. Are you part of the Church?

  • What's going to happen when they go back to historical norms?

    Isn't this what spurred the disaster in the first place?

    Doesn't anyone in this country think any more?

  • To answer everything you just said:

    1) Its only a matter of time before it gets out of balance again, that is what happens when the value of all things is based on its perceived value.

    2) Yes, Economists have been saying the housing market was going to pull us out of this recession since 2001.

    3) No, the regular joe never has, that is why the US has been a cohesive entity for over 200 years.

  • 1) Will this mean we the people to which it stands,have a year or so to sell our shit,before the fall of the empire?

    2) Will the empire have to defend itself against forieng invaders, or will the ruling corporations simply close up shop and anarchy prevails?

    3) where is the most fantabulous place a patriot can defect too,before said individual is considered a defector?

  • All three of those are very probable outcomes.

    Everything right now is up in the air. Anything can happen.

    If things go bad, there is probably going to be a military dictatorship to ensure law and order. If that happens, I would be glad to leave as a refugee to Canada, mexico, or Cuba.