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2. The Hardship Letter: Four Points to Make When Seeking a Home ...

   www.aol.com/news/2011-03-28-the-hardship-letter...

   The Hardship Letter: Four Points to Make When Seeking a Home Loan Modification or Short Sale. Tara-Nicholle Nelson. Updated July 14, 2016 at 9:15 PM. foreclosure sign - home loan modification.

3. Student Loan Dispute Letter Samples You Can Use to Protect ...

   www.aol.com/student-loan-dispute-letter-samples...

   A student loan dispute letter from the CFPB and FTC can get you the help you need. Customize these templates and then send them out to request information, make changes to your account or enforce ...

4. How to Write a Letter to Congress About Student Loan Issues - AOL

   www.aol.com/write-letter-congress-student-loan...

   One simple way to do this is to write a letter to Congress expressing your position on student loan issues. Added together with the letters of others with similar beliefs, such letters can be a ...

5. Mortgage assumption - Wikipedia

   en.wikipedia.org/wiki/Mortgage_assumption

   VA Loans - All mortgages executed after March 1, 1988, require that the buyer be creditworthy to assume a seller’s mortgage. If a VA Loan is being assumed by a veteran with a home loan eligibility, the seller may also request to have their eligibility re-instated upon completion of the assumption.

6. Mortgage underwriting in the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_underwriting_in...

   Loan to value is a ratio of the loan amount to the value of the property. In addition, the combined loan to value (CLTV) is the sum of all liens against the property divided by the value. For example, if the home is valued at $200,000 and the first mortgage is $100,000 with second mortgage of $50,000, the LTV is 50% while the CLTV is 75%.

7. What to do if you are denied a HELOC or home equity loan - AOL

   www.aol.com/finance/denied-heloc-home-equity...

   Credit score. Minimum score of 640 or higher. Ownership stake. At least 15-20% equity in the home. Debt-to-income ratio. Below 43 percent. Combined loan-to-value ratio