packers

• Question:-Packers!!!!!!!!!!!!!!!!?
  All you ppl who think Favre or the Packers suck.
  
  Just remember that Favre beat all of your teams except the bears and cowboys. that Favre has beaten every single one of u atleast once in his career. that no one will ever be as good as favre. it was a cinderella year and like all of them they have to end. no one thought the packers would be this far.
  
  Answer:-I agree. I have a great feeling about next year!
• Question:-packers.........?
  do u think that the packers will have a winning season next year?
  
  Answer:-Packers were 8-8 this year and probably just a good play or two away from 9-7 or even 10-6.
  Favre announced early that he was coming back. It seems like he is more excited to come back this time. That bodes well for the team.
  Also since this is the second season for the coaching staff, I would expect that the players will be more comfortable and the coaches will better use the player's talents.
  
  But the best thing we have going is just how bad our division is. 4 games against Minnesota and Detroit. Who could ask for more. Sure, the Bears are tough, but no matter what the Packers schedule looks like, they don't have to be a great team to win 9 or even 10 games.
• Question:-What teams would the Packers have to play and win in order for people to say they are good?
  I've read a lot of people say that the Packers are not that good because they haven't played anyone good. There are only a handful of teams that are really good: Colts, Patriots, Cowboys.
  Are the Giants, Vikings, Chargers, Eagles really that bad? And does the fact that they beat them mean that the Packers are still not good? Does the fact they are 8-0 since last season, mean that they are still not good? I'll admit, they haven't been tested against the elite, but that still doesn't negate the fact that they are not a good football team.
  
  Answer:-Patriots, Colts, Cowboys, Ravens...Yes, the Ravens don't look so hot right now, but if Favre beats them, I will give them the credit they would deserve...
• Question:-Can mover and packers hold the residential items till I finalize on the apartment?
  I have to move to a place and I don't know where I am going to stay. I will be in a hotel accomodation and then look for an apartment. So for some time my household items will have to be held by the mover, till I am thru the process and then deliver to my new apartment. Is this possible ? What will it cost ? Which packers companies do that? Does Fedex do this as well ?
  
  Answer:-
• Question:-How are the cheese packers SB bound when they beat a depleted team like the giants?
  No offense Giants fan but you have to admit that the past two weeks haven't been the most brightest in yall history.
  
  But how can a team with no running game be super bowl bound?? I'm telling you, the cheese packers suck! They are seting themselves up for a major let down watch.
  
  Answer:-How are bears SB bound with the 30th ranked offense?
• Question:-How many losses will the Packers have by the end of the Season?
  Will the Packers loose any more games, if so who will they lose to?
  
  Answer:-2 more games.
  
  Panthers and @ Bears.
  
  Packers finish 13-3. #1 or #2 seed in the NFC.
• Question:-Who still thinks the Packers made a mistake by getting rid of Brett Favre?
  Who still thinks the Packers made a mistake by getting rid of Brett Favre?
  Who still thinks the Packers made a mistake by signing Aaron Rodgers to a long term deal midway through the season?
  Both teams missed the playoffs.
  Aaron Rodgers 28TD 13INT
  Brett Favre 22TD 22INT
  Which quarterback is better?
  Which quarterback is the future of a football team?
  
  Answer:-Aaron had a better year this year. Brett should retire. Aaron will bounce back next year. GB lost because of their Defense mostly. Aaron lost a few games for them but GB Defense let him down. GB should stick to Aaron. Favre is old and worn out. Even if he stayed with GB he would of have a so-so year. His body cannot take it.
• Question:-What does it cost to hire Movers/Packers while shifting houses from Kakinada to hyderabad?
  I'm planning to shift houses from kakinada to hyderabad soon, and I wanted to find out how much it costs to hire Movers and Packers. What are reasonable rates? What does the service include? Will they pack/unpack all furniture and all my stuff?
  
  Answer:-prefer a lorry.
  its better than transportation.
  transport agents costs more.
  we have recently shifted from kkd to hyd.
  we came by van which totally costs aruound 4000/- only.
  while we ask for SRMT to transport our luggage they told nearly 8000/-
  so i advice u to prefer a lorry or van depends on ur luggage.
  one more thing start at around 5pm in kkd then only u reach here erly in the morning.
  then no traffic problem ok naa.
• Question:-What does it cost to hire Movers/Packers while shifting house hold articles from Kakinada to chennai?
  I'm planning to shift house hold articles from kakinada to chennai, and I wanted to know how much it costs to hire Movers and Packers. What are reasonable rates and whether they pack/unpack all articles?
  
  Answer:-if you want to move your house from one place to another so contact with wolfe house building movers otherwise keep searching on net for your purpose its better for you
• Question:-When was the last time that the Packers won the super bowl?
  When was the last time that the Packers won the super bowl? What year?
  
  Answer:-The Packers defeated the Patriots 35-21 in Super Bowl XXXI (thirty-one) on January 26, 1997. The Packers returned to the Super Bowl the next year and were defeated by the Denver Broncos 24-31. They have not been to the Super Bowl since that loss, and today will be their first appearance in a Conference Championship game since that loss as well.

home affordable refinance program

• Question:-Can we be able to qualify for the Home Affordable Refinance Program?
  My wife and i are both in college, and we have a house that we are renting out in another state, we only make 1460 between ourselves each month, and we get 1485 for the renting of the house. Our mortgage payment is 1900. the loan is an interest only loan at 6.525% with 27 years left. Our loan is owned by Fannie Mae. Is there any reason that we wouldn't qualify for HARP?
  
  Answer:-So you're a couple people in college and you buy an expensive home on credit that you can't afford....
  
  As someone who's taken a large hit due to the home bubble, and is paying the taxes to subsidize the people who can't or won't take the hit themselves, I'm not too happy about it.
  
  You're still paying your bills though, so I give you respect for that.
  
  Anyway, to give you a serious answer... I bet you could qualify. And you should definitely do it as it will make your mortgage situation much better. And I'd rather you do that than default and cause even more problems for everybody else. The catch is that it may be considered an investment property, but I bet it can still be qualified.
• Question:-home affordable refinance program vs home affordable modification program?
  what is the difference between the two?
  
  Answer:-Q: I believe there was a material error in your recent article concerning President Obama's Making Home Affordable Program.
  
  First, eligibility for a HAMP loan does not depend on the loan being owned or serviced by Fannie Mae or Freddie Mac. For loans that are so owned there are some separate additional programs under HAMP such as the ability to refinance underwater loans.
  
  Moreover, Fannie and Freddie are agents for Treasury to help Treasury administer the HAMP Program. But HAMP in large measure initially was designed to address non-conforming conventional loans, such as subprime loans. Second, the eligible loan amount is $729,750, not $417,000 as you wrote.
  
  A: Thank you for writing. The column in question did contain those errors (thanks for setting the record straight). But there’s more to the story, so let’s start at the top.
  
  President Obama’s Making Home Affordable Program generally permits certain borrowers to work with their lenders to either obtain a loan modification or to refinance their loan. Effectively, there are two programs, which can make it confusing for homeowners.
  
  Making Home Affordable Loan Modification
  
  Of the 4 million homeowners that President Obama predicted would be eligible to have their mortgages modified, about one million homeowners have received temporary loan modifications, but just 116,000 (as of January, 2010) have received permanent modifications.
  
  If a borrower decides to go down the loan modification path, the borrower has to meet certain financial criteria, including whether the home is the borrower’s primary residence; whether the first mortgage on the home is equal to or less than $729,750; whether the homeowner is having trouble paying the mortgage; whether the current mortgage was obtained before January 1, 2009; and, whether the amount you pay on your first mortgage, including, principal, interest, taxes insurance and homeowner’s association dues, is more than 31 percent of your current gross income.
• Question:-Home Affordable Refinance Program late requirements?
  According to the guidelines the HARP program doesn't allow a 30 day late in the last 12 months. I had a 30 day late in August 2010. Just for clarification, does that mean I can qualify for the program next month (September)?
  
  Answer:-It is up to the bank. I am surprised they disqualified you on that alone.
• Question:-Refinance under Obama home affordable program?
  We just got a letter from our lender (Wells Fargo) letting us know that occupancy must remain the same as when loan was first originated, which was primary residence.We lived there for 3 years and after that we had to move there my father in law.We live somewhere else.We are paying for everything as he doesn't have sufficient income to support himself.Are we still eligible?
  
  Answer:-
• Question:-Is is true that if you have PMI that you cannot refinance under the Making Home Affordable program?
  i was told my Wells Fargo whom i currently have my home loan with and when i asked them about the program they said that i did not qualify because i have private mortgage insurance.
  
  Answer:-yes, it's true. you can still refinance, but not under the new higher loan to values w/out PMI program.
• Question:-Making Homes Affordable Refinance Program?
  I need some clarification on this program. I am not in any hardship, but I do have a Fannie Mae loan. Currently, I am in a 5-year ARM and it is up in May of 2010. My rate is 5.375% and it would go down to approximately 5.1%.
  
  Today I finally got somewhere with my lender CitiMortgage. We started to look at the refinance option and I would have $4,600 rolled over into my existing loan for closing costs and $460 out of my pocket for an application fee which includes an appraisal. My payment would be only be $12 lower per month, but my rate would be locked.
  
  For some reason the numbers don't add up to me. The closing costs and fees seem to high. Am I missing something with this program?
  
  Answer:-First, I can't tell if $4,600 is high without knowing how much your mortgage is worth. On a refinance there are still significant transaction costs.
  
  You need to get a "good faith estimate" from the lender. When you look at it, figure out which costs are "fixed" - i.e. charges by your state for recording a mortgage, costs for pre-paid taxes and insurance (should be low on a re-fi as most of that stuff is already escrowed hopefully).
  
  Then, figure out how much of the "cost" is fees and/or padding. A "fair" fee is somplace between 1% and 3% of the total amount of your loan. So if your loan is for $100,000 then the lender might charge you between 1,000 and 3,000 as a "fee" - sometimes they say their fee is lower or non-existent - but, trust me, they are getting their fee some way - they may be calling a discount point or service release premium or something - but they are getting it.
  
  Short story made long - pour over that settlement statement (also known as a HUD-1) and ask questions questions questions about ANYTHING you don't understand. If your lender balks at your questions, walk away.
  
  Second, I would shop around before settling on CitiMortgage - just because they are your current lender does not mean that they will necessarily give you the best rate.
  
  One thing to try is to go with an up-front lender like Amerisave that shows you guaranteed costs and fees breakdown long before the actual refinance.
  
  Finally, the Making Homes Affordable Refinance Program has nothing to do with closing costs. It is all about negotiating with lenders over principal and interest. There are lenders out there making a KILLING off the fees in these things. That is why you need to GRILL your loan officer.
• Question:-can I refinance with other bank under the Home Affordable program?
  
  
  Answer:-You can try, but remember no bank, including yours, is obligated to do anything for you. They only receive small incentives from the Feds under this program IF they decided to help you. I would contact as many banks as you can until you get someone willing to refi you!
• Question:-With the Making Home Affordable program,can I be denied loan modification if I already refinanced last year?
  Only about 8 months ago Bank of America solicited me and offered to refinance my mortgage with the government "Making Home Affordable" program. I was struggling and it made perfect sense so I did it. Now things have gotten even worse for me and I've been working with a credit councilor to try to avoid bankruptcy. He suggested that I call the HUD and ask them about a loan modification. I spoke quickly with someone today, not an actual HUD councilor, that said that because I already refinanced with the program, that I'm not eligible to do a loan modification through it. Is this true!? If so, what options do I have? Can I get a loan modification without the government program? The credit councilor said that my housing costs should be about 30% of my income, and right now mine are 61%. I have absolutely no savings so I have to assume that I'm qualified for a modification.
  
  Answer:-No, you are not qualified, if you are at 61% a modification would not help you. You are already at the program interest anyway, the bank can not lower it enough to make a difference.
• Question:-If I quit my job, would I qualify for Obama's Making Home Affordable mortgage refinancing program?
  If I quit my job, would I be able to qualify for the program since I would have less than 31% of my monthly income and be unable to pay for my monthly mortgage paymentgs? The program is unclear on what a hardship is, and if you have to be laid off or fired. What prevents people from just quitting their job to qualify for the program, then get another one once they are accepted and put on the plan?
  Note - This is what I'm trying to confirm if its true or not "Plus, if you quit your job, your lender isn't going to modify your loan because your hardship is your own fault"
  
  Answer:-That is not at all how the program works, you can not quit then qualify, nor could you quit, qualify for the trial (yes it's trial only, then if all goes well for 6-12 months it's permenant) but you couldn't get another job then suddenly be ok because your modification is based on your income, more income = less of a modification or no modification at all..
  In fact, there was a story published 2 days ago that the program is failing and often costing families MORE money. They struggle to meet the requirements, they'll pay on time by dipping into their savings only to find themselves out of their savings and out of their home because they failed to meet their trial period guidelines, in other words, they go broke before the trial period is up... So what's happening is instead of these families just letting their homes go, they're struggling to stay afloat only to be foreclosed on anyway after using up all their savings to pay their mortgage. So now not only are they out a home, but also out money they could've used to put towards a new place to live or debts or attempted to keep their homes w/o using that very strict program..
• Question:-How am I supposed to take advantage of the Making Home Affordable or HUD Under Water Refinance program?
  If my lender has opted "not to participate"... it doesn't make sense! No wonder why no one has taken advantage of these programs... they clearly state that the 1st lien holder must be in agreement to reduce the principal or lower the interest rate. Requirements to qualify, you can't be behind on any payments, your credit has to be good, and you have to be able to "afford" the new payments. All which apply to my situation... I just can't get a refinance because of the economy and housing decline.
  
  So yeaha right... like my credit union is going to take the hit just because I want to pay less??? Someone please tell me there's a way to do this... or the system is more f-ed up than I thought....
  
  Answer:-For the Making home afordable program You may be eligible to apply if you meet all of the following:
  
  You have a mortgage owned or guaranteed by Fannie Mae or Freddie Mac.
  You do not have an FHA, VA or USDA loan.
  You are current on your mortgage payments and have not been more than 30 days late making a payment over the last year.
  Have a first mortgage not exceeding 125 percent of the current market value of your home.
  The refinance will improve the long-term affordability or stability of your mortgage.
  You have the ability to make the new payments.
  *Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you qualify for HARP.
  The HARP program is offered by many servicers. Homeowners should check with their mortgage servicer (the company to which homeowners make their mortgage payments) to determine if they are participating in HARP. If their mortgage servicer is not participating, the homeowner may contact other lenders that participate in HARP to determine if they are eligible for a refinance.
  
  Other company can help just call aroung if you meet the requirements.