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hi - our landlord recently informed us in letter that he intends to put rent up. weve been renting for almost a year (it was february last year we moved in)
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Additional Details
i live in deeside wales and the wages are terrible round here. 18500... |
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 Can I get out of my lease because of a moldy basement? |
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 Home forclosure? |
| My friends own a home and their payment is really high and house prices have dropped, their real estate agent is helping them make a huge mistake!! She is going to get them into a new home with a ... |
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happycalicow | After two bankruptcies can I still buy a house? With no money down. The only asset is a good salary.? |
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ogrendle
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It will depend on how far back they were and if they were discharged. You will be paying high rates.
Good Luck |
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ontopofoldsmokie
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I have to ask: After two bankruptcies, do you need to buy a house? You didn't give any info on why not one but two bankruptcies.
That being said, you are going to have a really difficult time. When you are given credit they are supposed to make sure you are capable of paying it back. Since you have a 'good' salary, I assume you should have been able. Their next question would be, "Why didn't he pay his bills?" Why would they think ,third time around, you would bother to pay them?
I can't see anyone just handing you a house with 2 bankruptcies and nothing down.
You can eventually find some sub-prime lender out there. You'll pay heavily for that loan. And, you will probably pay something up front. I suggest you get on a budget, rent for now, and think about the house later when you've learned how to handle money.
And, if this was a trolling, joke question-you hooked at least one person to try and answer. |
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Friv
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Most banks will get you approved after you clear your bankruptcies which normally after five years. If there's a bank out there that approves you with an open case of bk, you will likely to pay a lot of money for closing cost and higher money down. Good salary or even higher appraisal value are not a major compensating factor if you have bk. A release of the case will qualify you for a loan. Your credit report will show your bk and loan officers will automically disqualify you for a loan if they spot an issue like this even if you have other compensating factors. |
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ashley42066
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if it has been 7 years both on each bankruptcy.... and i doubt with no money down, those loans are EXTREMELY hard to come buy, unless you are a veteran. and your salary does not matter at all, just your credit, now if both your bnankruptcys are erased, then your back at no credit, in which you could buy a house with a good salary, but with a bigger down payment. |
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Jack
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I'm gonna go with "no" on that. |
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ramman
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If you have no money to put down, and have had two bankruptcies, I would be wondering if you can even afford to own a house.
You really need to check your finances to see if home ownership is feasible. Calculate how much the home you desire to own would cost, including the mortgage payment, insurance, taxes, repairs, and utilities.
If you want to save up some money for a down payment, what you need to do is take the total amount the new house would cost per month, subtract the amount you currently pay, and put the difference in a savings account each month.
If you can manage to save up some money, even 3-5%, you will be in a much stronger position to get more favorable financing terms.
Good luck!!! |
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jerrywv
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I suggest you hire a financial adviser first, rent an apartment and establish your credit before you buy a house. I doubt if anyone will loan you money with 2 bankruptcies. |
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ohnoslen
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It will be very difficult to near impossible. If you are wanting to do no money down it is sounding like you have no money saved and you have not been at this good salary position for very long, since they look at how long you have been at your employer. If your term is short that is pretty much strike three and you would be better off to continue to rent, since if you are able to get someone to loan you the money the itnerest rate might be higher than a credit card. |
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ron d
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YES you may, there are a few banks that would lend you the money. Up to 100%.
http://1stnomoneydown.com |
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Lori K
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Actually, that doesn't sound like a wise decision for you, even if you can find someone willing to give you a loan. You just don't seem to be in the financial position to do that. Homes COST more than the loan. If you don't have money for the upkeep, your investment will be lost in a considerably short period of time. Concentrate on your finances and in accruing some cash first. Having a downpayment and a little cushion first would be more than wise. |
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Nancy O
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I don't know that, but what I would like to warn you about is don't get an "interest-only" loan. Big rip-off. |
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