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 Is it true that you can get evicted if you mess with the smoke alarm in your apartment?
A couple of weeks ago, I was baking chicken, & the alarm went off. My next door neighbors came in & took it off. I asked, "Wouldn't I get evicted for this?" & they said, &...


 I would like to know every ones opinion on was going to take place with the real estate market over the next?
i would like to know every ones opinion on was going to take place with the real estate market over the next few years , im think of buying a 200,000 townhouse in brownard county plantation south ...


 If swiming pool and laundry are listed under Amenities in an apartment does that mean you get those for free ?
...


 I got a rental termination notice,After the Landlord was Fined by the code enforcement,What can I do?
The Place I live in had a city inspection. And was given a fix it ticket -35days this time has pasted,and was mailed a termination notice, with no reason at all, I have lived here for 15 yrs. I don�...


 What is the differance between a mortgage and a home equity line of credit?
...


 Landlord problems, PLZ help!!!?
The basement has been flooded with sewage for weeks. the fridge has never worked. we have to eat out or take out for most meals. the furnace does not turn on. the roof has leaked since we moved in - ...


 Can I get housing benefit? I work f/t partner cannot work cause of illness. We have 2 children under 18?
My partner gets incapacity benefit and dla care (high) & dla mobility (low). We get wt credits £54 a week....


 What are Northern Rock doing?!?
I have my mortgage with Northern rock. We've just switched onto their variable rate as our two year fixed deal ran out in January. We are paying a lot more in interest than we could get ...


 Can a landlord raise my rent because the electric bill went up. (utilities are included with rent?
...


 Is it possible to refinance your mortgage or get a home equity loan if you have been in your house for 6 month

Additional Details
I want to see if I can lower my monthly payments....


 WHEN YOU ARE A RENTER AND GIVE YOUR NOTICE AND MOVE, WHEN YOU GET YOUR SECURITY DEPOSIT BACK...?
ARE YOU ENTITLED TO INTEREST? I'VE HEARD THIS FROM MANY PEOPLE, I WAS AT MY OLD PLACE FOR A LITTLE OVER THREE YRS AND AM MEETING W/ THE LANDLORD SATURDAY TO GET MY DEPOSIT BACK. I LIVE IN PA.
...


 Can my landlord forcefully tell me that a plumber will be coming and nobody is home? dont i have my own ri?
ghts of renting the damn place? I have valuable belongings and i dont want anyone in their when i am gone.
...


 Whats worse.. paying Countrywide for 30 years or foreclosing?
i bought my house for 350 K in 2006 and its only worth 250K and the mortgage will adjust next year and go up . im paying 2400 a month plus 500 a month thanks to the broward county property taxes. ...


 Is there a way to get a loan for 600k?
I want to purchase a home without a co-signer on me and my wife. But our scores are small in the 560-600 is there a way to get a 600,000.00 loan without getting pounded with a high rise interest rate....


 I need a real estate agents help!!!!?
hello
i want to start approching real estate agents about doing there loans with them. I have other things to offer but if your a real estate agent i need help. I know they get hasseled by A.E. ...


 Does a landlord have to supply working heat?
I live in calif the house I rent has no working heat it gets very cold her does the landlord have to supply working heat & can he raise my rent to fix it he says he cant afford it....


 I am currently 19 years old, and when I am 27 I will buy my very own house. Could I afford it? Please read.?
Hi guys, my name is Sam, and I am currently 19 years old. I am currently working on my AOS in Information Systems Technology, which is a 1 year and 10 month long program. Once i complete that I am ...


 Can I charge late rent payment fee - 20% of rent - as well as bad check fee?
Tenant gave me two checks - both on time - then about a month later, I was advised that both checks were returned. Tenant cleared up bad checks with cash. I then asked him to move (also almost ...


 Are housing records public?
I'm looking for a the name on the deed to a house. The telephone number and address is unlisted on white pages etc. I know the address and the land line phone number. However i want to find out ...


 Being watched?
I am renting an apartment, and have been for over a year. Recently, I have been having alot of problems with them. They come into my apartment without leaving a note (they are supposed too) I have ...



Nancy
Credit Scores and Mortgage Rates?
Let's say someone has 803 FICO score, no debts, 90k year salary, investments, and savings. Let's say the person is single with no co-borrower. If lenders listed daily prime rates of between 5.5-6.1%, why would the person only get preapproval 15-year and 30-year mortgage loan offers at 6.1% or higher. Shouldn't excellent credit and good financial standing result in a lower rate?
Additional Details
The person has 0 debt. The actual loan amount requested was $130,000 even (that is not the purchase amount but the amount after down payments and such; he was looking at purchasing a house listed $165,000).
                     
 




iceman
Rating
Yeah doesnt seem like the best rate. I have a 720 Fico with plenty of debt and got a 6.0% rate.

Shop around a little more.


pocohantas
What is the DTI? That could be a huge contributing factor. Other reasons could be the length of time at current job or job field,amount of piti in reserves.Also, the other lenders could be quoting that becasue the ysp is so low...so to go any lower not charging any points may not be worth it for them to close the loan.

Angela


Danno Soprano
I would shop around some more. That offer may also have something to do with the property.


sonya h
have u ever had credit ever to show that you pay your bills on time?

maybe u should try a better lender, i see some of these lenders just want extra money, so they raise the rates. i would shop around, but don't use your ssn# to much because that could lower your score as well


lscalder
Rating
I recommend you give Apex Mortgage a call
They have excellent rates, good customer service andlow closing cost.
Apex Mortgage
301-877-2323
Website: www.lowermyinterestrate.net


greid13
While the 90k salary is good, it also depends on your debt-to-earnings ratio, what is the mortgage balance?


Darrell L
Rating
The reason for the 6.1 is money. Unless you are willing to pay point to your broker (and most people aren't) ; the broker makes $0 from you transaction. Of course hat would be fine by you, but you broker has no stake in your transaction so 6.1 is to ensure he gets paid. (dont you make 90k from somebody?)

I am a direct lender....e/mail me and I'll have an APPROVAL with a rate READY to lock in 2 HOURS. Everyone else is gonna have to price out you deal to someone like me


Drizzy Fiasco
never do it


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