 My wife and I have been trying to sell our mobile home without luck, any advice on how to sell it quickly? |
| Our home has been on the market for over a year and we just have no luck selling it. We have had it listed with 2 different listing agents and had 0 offers thru them. In fact they never shown it ... |
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 How can i find out if my neighbours had planning permission for an extension built in the 70's? |
| i live next to a workingmens club and they have a 5m high extension which runs the entire length of my garden and totally blocks the sun from my property.... |
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 To lock in or not to lock in? |
Our builder is saying it will take til mid Sept to finish our house. I think rates are only going up Is there any reason NOT to lock it in today?
Additional Details
Thanks for the ... |
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| I think she has gone above and beyond to help me out. What can I get her as a token of appreciation? Without spending alot of money.... |
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| I am starting a new job on Monday. I have considered buying a condo for 279900 and even am trying to get preapproved. It would be nice to invest right now and earn equity. But I have no down, my ... |
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 Citizens of New York, why haven't you revolted over your property taxes? |
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| Hello, I am a college student planning to go abroad next spring. Every lease I have looked at wants a 12 month agreement. I live in Minneapolis, MN and was wondering what sort of penalty I would ... |
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 Do you think that 300 bucks a month is a huge difference? |
Like, I have these two homes I want to buy, not both just one.
The first one is nice and would be about 2200 a month.
It has 3 bedrooms, no finished basement, and 2 baths, around 2200 sq.ft.... |
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 How can a low income person get loan to own a home? |
| my monthly salary is about 7000 Rs.I am planing to own a home for me,I have a land in my mother name.I want to built a home in that or i would like to purchase a home for me in any location.But I am ... |
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 House foreclosure? |
| In december I had to take a leave of absence from work due to medical reasons. Unfortunately, during this time I didnt have any income and my house has fallen into foreclosure. However, I have ... |
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 I live in Florida and I am renting a room on the contract it says that utilities are included in the payment? |
| but the landowner takes the battery out of the air condition so we can't use it, and he won't allow us to cook, because the smell of frying he don't like, also he has a band and plays ... |
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 Selling house how long from offer to completion? |
| I have seen conflicting timescales from offer to completion on a usual mortgage type deal. 2 weeks to 8 weeks have been suggested, Whats your experience, whats the reality.?... |
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 Do real estate agents need to identify themselves as such when buying a house? |
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 What is the best way to put a positive spin on the fact that the condohotels I'm selling are not pet friendly? |
| I am a Condominium Owner Service Manager at a beach resort in Florida. When I have a prospective buyer for the hotel, the question occasionally comes up as to whether or not we are pet-friendly. It&... |
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yfashionista007 | Can I buy a home after Bankruptcy with no savings? |
In June 2007 I declared Chapter 13 bankruptcy. Since I'm paying a whopping $975/month to my trustee plan, I have no way to save money to buy a home for the next 4 years. I'm wondering if there is any way that I can buy a home with no savings? |
 |
 
kjsouder@sbcglobal.net
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No, and why would you under this circumstance. You need to wait until your bankruptcy clears and save money. Otherwise you will be filing bankruptcy again. |
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ventruvianman
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Sigh...unfortunately no.
Your credit report now has a big ugly stamp on it that no loan officer will ignore. Even if they could get past that, the amount you pay per month for your bankruptcy will greatly affect what you are able to pay for a mortgage. I would focus solely on paying off the bankruptcy first and try to establish some form of positive credit before applying for loans. The hard inquiries are only going to hurt you. |
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Emcee H
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If no savings, you'll need to wait 2 years after the discharge date and make sure your credit is perfect during those 2 years. Also make sure you have at least 5 open tradelines IMMEDIATELY so they all have a 24 month history by the time you're ready to buy. |
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Lisa L
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You actually can buy a house while in Chapter 13 & it is not with a sub-prime loan. However, the courts have to approve it. If you are strapped with the payment for the BR I don't know how you think you can buy a house. It is doubtful you would qualify. A Chapter 13 is a much better way to go than a 7, but it still has repercussions. Save some money & learn from your mistakes. If you learn then all was not in vain. |
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chaseunchase
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You should probably wait a little bit, but if you are able to pay more than $975 a month to the trustee plan and pay it off earlier than do that. It's harder to get a loan right now because of the sub-prime thing, and also because you have a huge chunk of your paycheck already accounted for. Although your credit may be lower from the bankruptcy, you should try and increase your credit score. Then when you are done with the plan, you can save up for a little longer and have a sizable downpayment saved up. |
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The Cat thinks he's GOD
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Probably not with a current chapter 13. Check with a lender and see if there are options for you. That's the first step. Anything can happen. Don't give up. |
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jestduck1
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no. But you can start correcting your credit, and you should be working closely with your banker to do so. Once you have cleared enough on your credit score, you may be elligible for a home loan, just remember that banks cannot loan you anything that will put your payments in excess of 40% of your gross monthly income, and if your trustee plan is anything over 15% of your GCI, you will likely not get a loan. |
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Ralph N
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if you were a banker. would you lend yourself money. |
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daeve930
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Most lenders have stringent requirements for lending to former bankrupts. The lender I worked for previously required 2 years since declaration, and it must be discharged before the loan process starts. The one I work for now is much more rigid. We don't, unless you have a previous relationship that overrides the BK. In addition, the reason must have been out of your control (specifically, divorce and loss of business/employment are not acceptable reasons -- pretty much somebody had to get sick or die), no slow pays or missed payments on any account since the discharge which must be at least 2 years ago. |
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