Motivate hubby to refinance?

He is actually my fiance(will be for awhile, see below)and our home is in disrepair! I have tried to find some ways to draw out some of the 60k+ in equity from our home to bring it up to code- hvac, rewiring, and other large repairs- NOTHING AT ALL EXTRAVAGANT! He is freaked to death of any more money going out even though he makes a lot more than he used topermonth, and I now contribute to our income again after focusing on our son.(he is the reason why this is critical) So there are even bare nails and wires protruding from ceilings and walls- in more than one room b/c of previous projects incomplete. Are there any other ways- either through grant or other to scrounge up some funds or even special financing options for folks with mediocre credit? On a side note- he hasn't filed taxes in 6 or so years which also might pose a problem. My personal tax situation is current. Also-he is unwilling to sell the family home.... Help Me!

You are living with a crook and not married to him. is the house in both of your names? If not, walk out the door. Let him deal with the house as it falls around him.

You could also call the county and have then state it is not habitable.

I don't think this is a home refinance issue. I think he is "freaked to death" about potential ramifications from failure to file taxes. Until you get your financial house in order, don't go forward with a refinance. He is probably going to need money for the IRS bill.

It's likely that there are IRS tax liens on the home and that is why he is unwilling to refinance. If any liens are attached to the home, they will be required to be paid off--which will eat further into your $60k in equity.

Get to the root of the problem--is he worried about the additional cost? Maybe the existing mortgage is at a very good rate (if this is the case, you can always do an equity line so that you don't have to lose that great rate on the existing mortgage)Are there credit issues he may not be telling you about?

Oftentimes, the reason people are hesitant to look into home financing is because they think they won't qualify or because of a perceived increase in cost. A GOOD mortgage consultant will take the time to go over the different options available and be able to structure a loan that will give some sort of benefit.

http://www.ncsha.org/section.cfm/4/39/18... Here's a link to every state's housing finance agency. Find your state, contact them, and they can direct you to any grant or other programs you might be eligible for.

I'd be cautious about that whole tax thing though. He could actually be arrested and jailed for not filing his taxes. If you go on the new financing with him, you'd be liable for the whole debt if he can't work or can't pay because he's in jail. And it'll be hard for him to get financing at all, which is probably a good part of his hesitation (guys don't like being told no). You'll also want to make sure that if you marry him, you don't in any way take on liability for his past tax debts if he has any. Presumably he owes, since people who are owed money almost always file promptly.

Well, it sounds like you certainly have found the perfect husband and have a strong foundation of trust, communication and financial stability that will give you with many, many wonderful years together and provide a safe home for your son.

Well, except for the parts about trust, communication, financial stability, and a safe home.

While you are deciding what do to (i.e. move on), you can withhold "the good stuff."