 For a mortgage, how do you know when to pay points and when not to? |
| I want to refinance to lower my monthly outgoing - I would have to purchase points to get around the interest rate I currently have or lower. When does it make sense to pay the points and when is it ... |
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 My landlord is harrassing me. Please advise.? |
| Our landlord claims to have no way to contact me other than knocking on our door. She knocked very loudly, tried to look in our window and even tried to open the door. I have a husband that works ... |
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 Why are people in the UK so obsessed with mortgages? |
| I am so bored with people bleating on about this in the UK, saying renting is dead money, blah, blah. Yes but if your house gets reposessed then your money was indeed dead, you morons! When you have ... |
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 Should my Landlord pay us back for the Washer/Dryer we brought? |
My roomate and I have been renting an apartment for 2 years. Our lease is up September 1st, and come this Sept she will be moving to San Francisco and I will be moving to a new location.
... |
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 Am I stupid...buying a house with bad credit question.? |
| I have been living in a house..lease purchase option for two years. I officially have 11000 down due to part of my rent going toward purchase. problem is..i havent been able to increase my credit ... |
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 Iam about to rent a luxury apartment but my scores are 619,610,607 do you think i can get approved? ? |
My total debt with all my cards is $8000 and 1 car payment of $600 per month .my credit is just 2 yrs old and i never missed any payments and no collections.
Additional Details
My credit ... |
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 What is a reasonable wage per hour for cleaning a house? |
| Tenants moved out. I called servicemaster to come out and clean but they wanted 50$/hr per man. It was easily going to eat up the security deposit without finishing because of the large mess. I had ... |
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 Can I buy a house then transfer the deed to someone else? |
| My boyfriend has been drawing unemployment for almost a year. He recently got a new job, which he will be starting in a few weeks. He wants to buy a house, but doesn't think he'll be able ... |
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 Im worried that my house will be demolished?!? |
| Hi everyone,I live in a old house on a street,there are only two houses next to me and that's it everything else is business buildings etc,I rent my house privately,anyway I keep hearing off ... |
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 I cant refinance my home cant sell my and my mortgage will be too high for me to pay this year what should i d |
| realtors have gotten me in a mess i am afraid i will forclose if i dont get answers my home apraise for the same as my loan and i also have a high interest ... |
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 Is it possible for my grandparents to take a loan out to buy me a house if they already own two houses? |
| I found a really sweet deal on a condo in my area at an unheard of price, the only thing is my credit is horrible so there is no way I can get a home loan on my own! I do however make enough money ... |
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 How to buy the house that's not for sale? |
| There's a house I really want to buy because of it's location and I really want to buy it. But the owner is not planning on selling it. Anybody know a good approach so I can buy it anyway?... |
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 How much do you need to put down? |
looking into buying a house. First time buyers. How much would we need to put down?
Dont know much bout real estate so sorry if this sounds stupid
Additional Details
i live in new ... |
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vanessa h | Can I get an apartment with bad credit and no job if someone cosigns? |
I want to lease an apartment, but I don't have good credit or a job. I plan on using my savings to pay for rent. My mom would be cosigning. She has excellent credit, but does not work. If your credit rating is good enough, does it make up for no proof of employment? What if I agree to pay several months rent in advance? |
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maxximumjoy
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This would be up to your potential future landlord to decide.
I know my landlord would not take a lessor without good credit and a co-signer without a job unless either a) a significant portion, if not all, of the rent was pre-paid or b) you could show him a bank statement with a fat, fat, fat balance in it.
But some landlords will take just about anybody. |
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Whit
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I highly doubt they would rent an apartment to someone without a job. They want to make sure that can pay your bills. Most places ask for proof of employment before renting a place. Its a standard thing on an application. You can look around and see if you can find a place but im thinking you might be out of luck til you get a job.
Living on your own can be expensive, you have food, electic, cable, internet, water, cell, furniture. Do you have enough money to cover all of those and pay the rent til you can get a job? are you looking for a job? |
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goz1111
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you are going to have a hard time convincing a landlord that even though you do not have a job you will be able to pay the rent irregardless if your mother has excellent credit if she has no assets to attach to if you default they will not care about the credit score |
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emtalex
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It does depend on the landlord. If you are usig savings and paying for it all up front it might not make as much of a differnece. I have a girlfriend in perpetual college and she pays at the beginning of the year with her student loans and she has horrible credit. It really depends. Great credit can make up for it but it still falls on the individual landlord. Again, money up front can solve some of those probs possibly. |
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ohiomandi26
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You can go with a privately owned they generally do not do credit checks... it would probably be best to try nice low income housing..... yes it does exist. or get a part time job, anyways.... you want to work, savings can only take you for so long. go to credit counseling . that would help allot, If you want to boost your credit rating you can start by establishing a good credit history by paying off some of you debts, even sending a partial payment will get the mark removed from your credit. all you have do to is make an attempt. Also go to your bank and put money on a prepaid credit card, then ONLY USE 33% of the balance, then for the first 3 months make the minimum balance payment, on the 4th month pay off what you owe, this will show creditors that you can handle a revolving debt... and boost your credit scoreat the same time. no this does not mean spend 33% then pay one payment and use the card again. just use 33% total then pay it up for 4 months then leave the card alone for a month or 2. |
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jenni
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you should talk to the landlord. i had a similar situation recently, where i did not have a job, and had no credit (first place), the leasing company let me use my bank account in place of credit. i just brought in my bank statement, their requirement was at least 3 months rent in the account. worked for me with no cosigner |
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WordBarker/singlething
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depends on the land lord |
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myth_kw
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hmm as long as ur moms credits good and she co signs it ok ..
Dont pay several months in advance . Just pay watt u gotta pay be on time u shudnt have a problem |
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Trouble
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If you have no job and bad credit, you will not get through the basic screening or meet the minimum criteria of experienced landlords.
A co-signor guarantees payment, so if mom doesn't work, that will not happen either.
In many states, advance rental payments are limited by law.
Generally, it is a big red flag when a tenant offers to pay rent for several months in advance. |
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