Pros and Cons of Refinancing. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

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Anyone who borrowed money for real estate this year may want to frame their interest rate on the wall. To boost the economy, the Federal Reserve has taken steps that have dropped rates on 30-year-fixed loans from about 6.5 percent four years ago to today’s historic lows of around 3.4 percent. Millions of people who can borrow are jumping at the chance, taking out new home loans and refinancing existing mortgages.
Banks are struggling to keep up with demand—it takes the biggest lenders an average of more than 70 days to finish a refinance, according to a story in the Wall Street Journal. But the long wait hasn’t deterred many homeowners—in the last week of September, the number of refinance applications hit its highest level in three years, according to the Mortgage Bankers Association.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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