 Landlord took my belongings then served a 3 day notice wont return my stuff unless i move out? |
| land lord removed my garage door claiming to fix it ,it wasnt broken ,and took all my tools 10,000,00 dollars worth , and never replaced the garage door then served me with a 3 day notice 2 weeks ... |
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 What is the current valuation of my house? |
| 10033 S 46th Street, Phoenix, AZ 85044... |
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 Can my homeowners association dictate what I can add to my property? |
| I moved here (rural Arkansas) five years ago. I have never signed (nor have I even seen) any covenant, by-laws, or other agreements. Now the HOA for my street is objecting to the garage that I am ... |
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 We are currently trying to sell our house, it has been on the market for about 2 months.....? |
| We have showings all the time but just no offers! We have recently lowered the price, we have painted, updated the house although its like new, cleaned carpets, we have really tried everything! S... |
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 Can a landlord install used appliances when new ones were promised? |
| I signed my lease w/o appliances installed yet. I was told new ones were going in, and still have the advertisement that says "New Appliances". Instead I got old dirty ones that clash with ... |
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 What happens when you break your lease and don't pay? |
| I am breaking my lease at my apartment complex. I gave a 60 day notice and I am paying the rent until my very last day. But they are also charging me another move out fee of $865.00. What happens if I... |
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 What would you do if you had 86,000 dollars? |
| I am thinking of buying a house, as in putting about 60,000 down and using the rest for time beings mortgage.... |
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 Is there a reverse mortgage available for people less than 62 years old? |
| I am a US homeowner. Instead of refinancing, I wanted to explore the possibility of a reverse mortgage.All I have seen so far is that this is only good for homeowners aged 62 or more. Is there a ... |
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 Does anyone know if it's legal to sell a house with graves under it? |
real estate listing w/ no mention of the graves:
http://www.lowcountryhom... |
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 I owe the housing assistance money but they wont let me pay.? |
| I am a single mother and needed low pay housing about 6 years ago. I just found out that I owe them money for moving out and not sending them a letter,but they say they can't find me in the ... |
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 Im viewing a house in the morning they want £92,000? |
| what should i offer ive seen it on the internet it what we want nice area 3 bedrooms central heating garage conservatory nice gardens please help first time buyer with 10,000 ... |
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 My landlord entered my apartment without proper notice, what can I do? |
| I've noticed that my landlord/apartment staff has been entering my home without notice and I know this is not legal. Under MN law, the tenant privacy states that no one can enter my apartment ... |
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 I am a landlord, my tenants pay only portions of the rent when they feel like it. I feel like I am harrassing? |
| them but now here it is the 10th of the month and I have only recieved 1/3 this months rent. They said they would pay the rest on 11/6 and Istill havent seen it. They will not answer the phone, and ... |
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 My landlord has a key, can he come in anytime without permission? |
| I am just curious. My husbands parents purchased the home, and we are renting it from them... we are just paying the mortgage. If we are not home is it legal for him to just go in anytime he wants?<... |
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 I need help getting someone evicted!!? |
| I have been living in this house/neighborhood for about 2 years now and later on in the year we got new neighbors. The big problem is that these neighbors are so ignorant and rude they drive through ... |
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 Is it a bad idea to buy a house thats over 30 years old? |
| My husbands job is transfering us to a city 7 hours away from our hometown, and we are looking at homes for sale. But mostly all we can find are homes built in the 70's. Alot of them are fixer ... |
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 Can i buy anoher house?? |
| I owe one house already which I have rented out for 6 months while ive lived at my g/fs which she rents....now we want to move and buy a house without selling my first house as i like the rental ... |
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porcelina0 | Buying a first home with really bad credit...? |
We live in oklahoma, and our credit is absolutly shot from my husband getting out of the military. We had our cars repossessed, defaulted on everything, because my husband had a hard time finding a job. Now we make really good money, and can afford a house payment, but are hindered by our terrible credit...Any suggestions? |
 |
 
360.yahoo.com/seatere
 |
Hi There,
Here is the reality:
You can buy a house with your credit the way it is at the moment, yes it will cost you a lot higher to start off with, but you keep paying your mortgage on time and I mean really strictly on time.
You really cannot be a day or a minute or even an hour late and you will have the best way to start rebuilding your credit. Of course you will have to be very strict with yourself and pay off all of the other things that have gone wrong.
You see a little known secret is that mortgage payments that are made on time every time are weighted very heavily by these companies and will stand you in extremely good stead. I completely understand the difficulty that you have gone through and that you are trying to rebuild your life now, right here is the opportunity to do so.
Then, after you have been paying your mortgage faithfully for a year your credit rating would have improved to such an extent that your agent can help you to refinance to a considerably better interest rate and you will have your new home and a wonderful credit score and no one can tell you that you have not worked hard for it.
What's more is that most of the states have outstanding programs for first time home owners to assist them with owning a home and there might be a remote possibility that something like that could exist for you.
Here is a gentleman who works for Wells Fargo that I have worked with before who is absolutely outstanding at what he does and I would recommend him with a clear conscience. |
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lu_candid
|
I know all about that, when my fiancé returned (army Ranger) he also had his credit shot from identity theft that went unnoticed while he was overseas.
First off, I'd make a serious effort within the next year to fix your credit. If you make stellar payments and make them often you can repair it in less than a year. Once you have improved your score it might save you a couple of points in interest (every little bit counts).
Here's an article to refer to when you are ready. It's about the "costly" mistakes people make when purchasing a home.
http://www.foreclosure.com/articlecenter.html?action=displayArticle&articleId=1154&isLatest=false |
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werzrosn
|
try this! http://www.jdoqocy.com/click-2059927-10393223 |
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Kacky
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Look at it this way: If you have bad credit, that means you made mistakes. Having a house is a huge whammy. You've got a big mortgage payment, interest, insurance, taxes, and then you have to keep up with any maintenence issues that arise each year. It's thousands and thousands on top of the mortgage. It might be a good idea to learn new ways of managing money, get your credit rating cleaned up, and then the bank will see that you do know how to manage money. They'd refuse now for a reason : you're not ready for the responsibility yet. |
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rebecca_sld
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It takes alot of time and effort, to improve your credit rating! Many times, you can pay off those bad debts, for alot less than the original amount. Get in touch with a credit counceling agency. Make sure it is one of those not for profit places. Your other option may be to buy now and take the higher rate of interest, and re-finance in a couple years, after establishing a good payment record. |
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Travis
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yes.... Disclipline... Think about this......
If you can afford to pay a mortgage, then couldnt you afford to put that money away into an account minus a bit less coz of interest saved and then pay for a house up front after less time??...
In my eyes credit is just a mindset, u never really own anything if it is on credit.. As with a mortgage, u never own the house until the final payment is made, the bank does... On top of the outrageous total u have paid in the long run on all that interest...
Only trouble with this is u need a place to stay in the meantime...
lol |
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Rico
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All good advice. If you are serious you have to change your habits, save and pay on time, or forget it. Owning your own home takes on even MORE responsibility so you have to start right this minute.
Then maybe you can find a seller who will finance the property for you since a bank is going to see you as a risk. |
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dcgirl
|
Look into a rent-to-own property, or stick with renting till your credit clears up. Trying to get a mortgage with horrible credit means you are going to have some pretty hefty interest rates. Plus, most market analysts are predicting the real estate market is going to cool off or even decline in value in most of the US. Put those together and you will end up paying way too much interest for a home that cost more than it was worth. Give it a year or two, build your credit to the point where you can get a reasonable interest rate, and let the market shake itself out. |
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confused
 |
What you need is a good Realtor and a good lender. I am a realtor, and know several good lenders that I like to send my clients to that have credit problems. Feel free to e-mail me. I work in the Tulsa area, but I can send you to good people all around the state. There are programs and ways to get a house, trust me I've seen it all. |
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Alterfemego
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Not really. What mostly likely will happen is you will have a high interest rate mortgage. I would suggest, renting for a year or two, work on repairing your credit history, then buy a home. |
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gabriel s
 |
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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Jemi
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It may help to resolve some of those credit issues before getting a loan. It would be a good idea to get a hold of your credit report (both you and your husband's) and see if everything on there is accurate. You may be able to contest some of those items on there due to improper filing by the reporting agencies. Overall, it may be the best to work on your credit a little before going in for a loan. It doesn't hurt to go in and talk to someone at your bank about your options. |
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