 In relation to mortgage loans what constitutes a low credit score? |
| I have been reading lots about the housing crisis and have learned that the loans for new mortgage loans for people with low scores it getting harder to aquire. What constitutes a low score? 600? 590?... |
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 How old do you have to be to get own place? |
| how old do you have to be get an apartment or something in california?... |
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 Is consolidating your bills a good idea before trying to get a new home loan? |
| The way I look at it, I'll be out of debt at the end of this year, not including my car and small student loan...yeah, I know. I made a lot of stupid decisions. I DON'T have bad credit. I... |
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 Termination of agreement before Lease is signed??? |
| Is there a stated time that the would have landlord has to give back the deposit. We have no signed lease, I have absolutely given her a signed formal letter stating that we will no longer be ... |
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 Can a landlord tow a registered car that was in a spot that he approved? |
| He also didn't let my brother know that he towed his car, so now the towing price is more expensive b/c it's been sitting at the garage for a while.... |
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 Can anyone help me, please? |
| Does anyone know of a good website where you can look for local apartments? Thanks !!... |
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 Behind on Rent Landlord changed the Locks to the Storage area? |
| We were 10 days behind on our rent and our Landlord changed the locks on the Storage unit int he basement and left us a note saying that if we dont pay he will evict us and keep our stuff as ... |
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 Should I lock in 30 yr mortgage interest rate now/ wait. They have risen to the highest this wk.Closing 03/30 |
Should I lock in mortgage interest rate now or wait. My husband and I have decided on a house to buy and looking to get our
mortgage loan approved. The house is a new construction that will be ... |
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 Incentive for renters while house is on the market? |
| I am preparing my duplex for sale. Currently I live in one of the units. The other unit is rented and eventually, if it does not sell within a year, I will have to rent my unit out as well. My ... |
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 My best housing option? (UK only please)? |
| I have to be out my house in a month as my dad has come into some financial difficulty and has to move to smaller house which has no space for me, Im fully employed but dont have the money for a ... |
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 Could they afford an appartment? |
So a couple makes 23.25 per hour together. Is that enought for them to aford an apartment? can any one give me some links for apartments..
Thanks so much!
Additional Details
T... |
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 Where in the house does people hide their money? |
| Does people save cash in their house? If so where at? and How much ?... |
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 My boyfriend can't find a cosigner...Are there alternative ways to getting one? |
| He's 18, only had a credit for about two months, and doesn't have a good relationship with his parents. He's fully able to pay rent ($600 a month and under), since he works 40 hrs a ... |
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 What are the steps for moving out of a house that you own? (with the whole family)? |
| I constantly think about moving out of state, but we own a home. If I get a job in another city, what are the logistics for moving out of the house and not getting into a financial nightmare? I ... |
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 Foreclosures? |
SOMEONE PLEASE HELP!
Me and my family want to buy a foreclosure house in North Fontana,CA but we cant find any that we can buy that are real estate owned or how ever you buy foreclosures. We ... |
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 What's a warranty deed? Why would a buyer ask for a survey, if seller has a w. deed from orig. plot lines? |
Yes I looked it up on line, but I don't understand what I read. Can someone put this in plain english for me?
I'm curious, because a buyer wants my 64 acres surveyed prior to ... |
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 Wrongful eviction? |
| Please help. I been in this trailer park for over a year. The other day I got home with a note on my door saying, undiserable tenant. (eviciton notice) The next day I talked to the manager to ask ... |
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 Mortgage/loan confusion....? |
| Here's my situation... I am self-employed and have been for almost 3 years. I have the past 2 years tax returns... which don't total much in profit at all. I am looking to shift my business ... |
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kmgabbard07 | Am 4 months past due on my home,and ready to end it all.what is the best way as i am scared but have to do it? |
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 |
 
smartypants
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Need more specific information. I would sell as quickly as possible and take the equity and put it into something more managable. |
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t S
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It is a question of money not life. If you don't have the money to keep the house, call the bank (creditors) and tell them. THey will want to work something out. Then you sell the house, move into an apt. or even rent a room from someone. Money is only a way to get things. Things are not life. Life is about helping other people. Go down to a shelter and feed food to people who live on the street. Get some perspective. Ask for help |
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open4one
 |
Don't panic.
You have to assess your situation in terms of where you want to be with this house in six months, and what might be feasible.
If you were not behind, could you afford the payments now? If you just hit a bump like changing jobs, and the payments would be otherwise manageable, there's hope. You can get in touch with your lender's "loss mitigation" department and possibly get all the past due amounts amortized over the remainder of the loan period, and keep the house.
Or, have you lost your income completely, and know it's just a matter of time no matter what? It's possible you can offer them a "deed in lieu of foreclosure" which still hurts your credit, but probably keeps them from pursuing you for a deficiency since you save them a lot of time and money getting to the inevitable.
There are many possibilities, some better than others, and it depends on your total situation. The single worst choice is to do absolutely nothing and let someone else make all the decisions.
No matter what, you need to start with an attorney. |
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Norm
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6 years ago.... lost my home, followed by 2 jobs, and a divorce. Had to beg/borrow just to live for a while... but things turned around. Now I am happier than ever.
At the time I felt like you... but don't do it. It's hard to imagine everything can be better... but it will. Find someone you can talk to and the rest will work itself out. |
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SiLKy
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get help man. it's never that bad. really it isn't. |
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BoomChikkaBoom
|
"some thing to think about for those scum bad Realtors and loan officers when you sucking every dime out of some guy"
Yeah, right Drew. It's always someone elses fault when people buy more house than they can afford because the realtors and loan officers held guns to their head and made them do it, right?
Kmga, first of all, get a grip. It's just a house.
Do you have a job? Why couldn't you make your payments? Is that situation over with or did you just plain borrow too much, buy a more expensive house than you could afford, etc? What exactly happened?
Have you spoken to the loss mitigation dept of your lender? And I mean that exact department, not just some collections person. If you haven't, do it now and leave out all the B.S. drama. No one is going to deal with a drama queen/king. Ask for what is called a workout or a loan modification if you can actually afford the house you bought going forward.
Do you have any equity in it? If you do, pull out the equity and get caught up. Can you afford the payments if you get caught up? If you can't, then don't keep the house because you will be right back in the same spot again next year.
Is it worth more than you paid for it? If it is, sell it fast and walk away with some cash. Then get a house or apartment or whatever that you can afford.
Have you checked out doing a short sale or a deed in lieu of foreclosure? Is bankruptcy an option?
Since you left out all the pertinent details on your situation in favor of drama, you can't get a detailed solution for your specific situation. You would have been much better off if you simply stated what happened and asked what your options were. |
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G B
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Going into foreclosure is not as bad as it seems. The first thing you want to check out is if you have any equity in your home. If so you can sell it or possibly refinance it. Most people who go into foreclosure have no equity. So stay in the house as long as you can without paying the mortgage. The bank has to go through the foreclosure process and it will take some time to evict you. During that time you can save up some money to move. Don't get fooled by anyone offering to get you out of foreclosure for a fee. It can't be done. Good luck. |
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notyou311
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That's idiotic. Even if you lose your home, you can start over. |
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Drew
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Just look as this guy question off his profile, some thing to think about for those scum bad Realtors and loan officers when you sucking every dime out of some guy. The Blood is in your hands.
I think I am going to start a betting pool on when the first guy walk in the some loan office and shoot the clown in the face.
I bet that will take place some time in February.
You screw over some guy who end up in a divorce after several months of finical hardship, so now the guy has lost him family, his wife want money for child support plus alimony, he has no house and most likely this will affect his work, not that he want want to work since he lost every thing and they take what is left.
Once this happens and it breaks in the news I am sure other with the same idea will get the green light and it will happen again several time. |
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