 House buying question please help!!? |
| There is a really nice house my wife and I like for sale or rent. We told our Realtor that we would like to rent to own it. The house has been on the market for over a year. He asked their Realtor ... |
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 Does any one know how to purchase a home w/out Realestate Agent? |
Does any one have any ideas how to find an owner who wants to sell a home w/ out using a realestate agent?
We have plenty of time to find our "perfect home" in Carle Place.
O... |
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 UK question: Can you get a mortgage if you are unemployed? |
| SInce being laid off I have been looking for work, but havent found anything in my field. But in the meantime I want to buy a flat and let it, as the rental income should take care of the mortgage. ... |
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 Does a first months rent get refunded at end of contract..? |
| if its been paid already... ok, so when i moved in i payed £700 deposit, and £700 months rent in advance.. i claim housing benefit because im a single parent, and i DO work, part time so get help ... |
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 My hubby jus turned 60,he may be made redundant,i have apregnant daughterat home,is she liable for the rent? |
my daughter will fin work the end of feb an start maternity leave
Additional Details
to clarify,the property is rented,if my hubby has to claim income support for the 2 of us and my ... |
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 I want to get rid of my Roommates who just moved in, easiest way ? |
| I was trying to sell my house but 3 deals fell thru because people couldnt get financing... I dont have much equity in it, just about 30,000 (after paying all kinds of fees, transfer taxes, real ... |
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 I've got 3 college girls who want to rent my house, but they say they want to pay individually, whereas I want |
one check on the 1st of each month.
Some have money, some depend on parents...so I asked if one parent could pay by auto transfer on the 1st and they could pool their money, but the parents don&#... |
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 Is there anything wrong with getting a 30 year mortgage when I expect to sell my place within 7 years? |
| Thanks everyone for pointing me toward the mortgage calculator. Follow up question, if you don't mind. I calc'ed a 15 year mortg and a 30 year mortg and obviously I like the monthly ... |
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 Can a landlord keep your personnel property? |
| verbal agreement to get it when i want it, now they are mad so they started charging me storage. but still won't release my belongings.... |
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 I bought a house a few years ago for $320,00 and now that house worth $200,00.? |
| Everyting is too expensive. So I cant afford paid all the utilities bills plus a morgage. I dont know what to do if I should apply for bankrupt because I cant afford to keep paying the morgage. I ... |
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 Can I please ask some advice on my rented house |
| OK, so ive lived in my rented house for 4 years now, and ive had a problem with my landlord pretty much since ive lived there. The reason being he neglects the house completely and ive been told ... |
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 Landlord shut off my water and wants us out? |
| I am having a problem with my landlord, I do not owe him rent as he is refusing the rent, I have both my sept and oct rent in the form of blank money orders. I do not have a lease, landlord brought ... |
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 Tenants want deposit back, threatening to sue/harassing me, house was badly damaged, what do I do? |
Upon inspection, 2 month-to-month tenants left house in bad shape and want their deposit back!
We did not charge for wear and tear, etc. only what the lease said--maintain yard, clean ... |
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 How can I get a home loan without a job? |
| My credit rating is 782, I have $60K in the bank, zero credit card debt (I have 3 credit cards totaling $56K in available credit), I own both my vehicles and have no other debts. I am a veteran (so V... |
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| Bi-Weekly Mortgage Payments!? |
| I bought home almost 4 years ago... and my current principal is now $178,700 on my house (at 5.875%), and with a monthly current monthyl payments of $1,122. According to my mortgage company, I have 31... |
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 Is it smarter to buy a small house instead of renting an apartment in college? ? |
| My fiancée and I will be (hopefully) married when we enter college as freshmen, and want to buy a house and sell it after the 6 or so years we plan to live there. Her parents would co-sign the ... |
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 When house shopping do you look in the fridge? |
| We are selling our house and I wonder how clean I should keep our refrigerator. It's decent, but should it be spotless?... |
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ruben c | Can i refinance my ballon loan into a fixed loan? |
my 1st loan 280,000 is a fixed rate 6.65. my second loan 74,000 (15 years fixed with balooon payment of 54,000 at the end). can i just refinance the second loan. or combine the two into one loan. which is better. i have no penalty, excellent credit, 6 months living in the house. thank you |
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Free Thinker
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Either way the challenge would come at the appraisal. Chances are that you did an 80/20 to avoid pmi and get 100% financing. With the market the way it is, it's likely that the house will not appraise so the bank will not approve the loan. You may have to cough up a good chunk of change to get it done. I don't blame you for wanting to get that second loan off your back but it is going to be tough.
Sorry, I wish I had better news for you. |
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Bill P
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u can combine the 2 into one loan. www.OwnPartofTexas.com has some q&a. If u have any questions, you can probably find them there. Good luck, Bill |
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WeLoan.Us
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I would shop to see what some lenders can do on the second , but more than likely your rate will be between 8.25-9% . IF that doesnt work for you I would try to combine them both ...You can get some low rates now and with the market declining rates will only get lower. |
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Casey C
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The best thing to do is have a professional conduct a total cost analysis for you. They have tools that will be able to put together a program that fits your needs. Sometimes the best thing to do is nothing. I've been doing these for 6 years. |
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Deliah
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Isn't 350K considered a jumbo or is it 400K? Anyway if it is considered a jumbo to combine the 2 forget about it even with excellent credit the marketing of these loans has vistually dried up. |
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RickRN
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I would wait. You have 15 years to worry about it. It isn't cheap to refi and the market may turn around by then. |
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Fordman
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It all depends on how much equity you have in the house. Since you have only lived there for 6 months, I wouldn't think you have much unless you put a large down payment on the house when you bought it.
Shop around and see what interest rate you can find. You are looking to borrow the 374K or even up to 380K with all the fees that the lender may put on you.
I would think that you are not applying for a sub-prime loan with the excellent credit. There is a good possibility even with today's financing cut back that you will find a mortgage company willing to back you.
good luck. |
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linda
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it is possible but will be very difficult to find a lender willing to do this. good luck |
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beachlover
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i would sit chilly onthe mortgages but consider paying a bit more every month to pay off the second i would consider paying an additional 100 in a seperate check and make a note on it apply towards principle. doing this with both loans will dramatically reduce the term you have yoru mortgage 30yr will pay off in 20-25 |
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