 Does Landlords have the right to come over unannounced at any time? |
Our new landlord comes over any time of the day they want. They had said they would call first, but has only followed through with that one time.
Additional Details
They aren't ... |
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 Buying a house with my boyfriend? |
| My boyfriend and I have been together for over 2.5 years. We both still live at home and I stay at his house everynight. We're very serious about our future together and thinking about buying a ... |
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 We just bought our house, old owners said basement doesnt flood, it does. What can we do? Are they liable some |
| we bought this house because the owners said the basement did not flood, we use at as living space, and now it floods and cannot be used.We just bought it a year ago.... |
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 Can a housing society refuse us a house because we have no local connections? |
| After being told that we had been recommended by the local council to the housing society for a new house we were elated. However after two days later being told that we had it the folowing day we ... |
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 Is my landlord legally permitted to enter my apartment when I am not there? |
| I sent a note with my rent requesting several repairs to be made. I know they need to give me 24 hours notice before entering. I will not be home all day on Wednesday. I was told by the building ... |
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 Rent free living? |
| How can someone, on a low income, live alone without paying rent, or paying a 'peppercorn' rent. How many ways can you think of to do this.Can be basic caravan, shed,tent, or palatial I'... |
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 If a tenant is on a month to month rental agreement, and wants to move out before next months rent,? |
| If a tenant is on a month to month rental agreement, and wants to move out before next months rent is due, can the tenant legally do this without legal repercussion? Is there any law saying there has ... |
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 Why no offers on our house? |
| House has been on the market since Aug in the Chicagoland area. We have dropped the price and have been matching comps. We havent even gotten a low-ball offer. Painting could have been better which ... |
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 What is First and Last when it comes down to renting? |
| I always thought it was the first months rent and a deposit to move in but what is first and last? I am assuming that it means the same thing as first month's rent and deposit, correct?... |
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 How do I sell property, that I own, in a different state than where I live? |
A relative passed away and willed me some property. The details with the deed are being squared away currently. How do I find out how much the property is worth and how would I sell it?
A... |
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 How can my step daughter rent a property if she doesn't have a job? |
| My stepdaughter has been given notice on her rental house because the landlord wants to sell it. When she has been to look at other properties she has been told she must have a job paying at least ... |
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 My apartment complex is in neglect - how can I get the landlord to do his job?? |
| I recently moved into an apartment complex in Arlington County that is privately owned (landlord, not a leasing company) and have found the building in disrepair (roach infestation, maintenance ... |
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 Should i refi or take equity out? i own a home alone but my bro. pays 1/2 my apr is 5.3 fixed? |
| i dont wanna take out money but he does cus of his high debt, what should i do? our payment is 1250.00 monthly and have owned the home for 3yrs, i bought it for 170 and its worth about 300 now please ... |
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Saito56 | Do you have a better chance of qualifying for a home morgage if you are working rather than retired? |
Home lone qualifying
Additional Details
FIY I never bought a home, but have worked almost 39 years in the Railroad industry. The pension plan is the Railroad Retirement anuity, and insured by the government. I have calulated my pension, and will make about $900 a month more retired than working. It is a good pension.
I want to relocate back to my home state when I retire and was wondering when to buy, before or after retirement. |
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Ahwell
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The most important thing is whether you can prove that you have a regular income and that you can actually afford the repayments. A retired person on a pension has a guaranteed income, so would get a mortgage more easily than someone working on a short term contract.
If your pension will be more than what you are earning, it shouldn't be a problem whether you buy now or later. The amount you will be able to borrow will depend on your income, less any regular outgoings, such as any loans you may have etc. |
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Lab Accident
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Yes. Your income may be higher if you are working, which might help you better qualify for a mortgage. |
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dmvariety
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Depends on how much money in the bank. |
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JessicaRabbit
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Depends more on how much money you have to pay back the loan. Are you a credit risk? |
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novastarbanker
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Yes, your retirement may be enough. There are several banks that have what is called a "No Ratio" program which is tailor made for retired people. No ratio means that as long as you can show documentation on what your fixed income is, including pension and Social Security if applicable, then you can qualify for a mortgage, and the requirements are flexable. Your credit is the issue, your scores have to be good enough to qualify you for the program. |
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krohnjack
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I think it is like any other loan. How is your credit? How is your income? How does the asset (the home) evaluate? What are your debts? What are your assets?
The lender wants to know if he has a likely chance that he is going to be repaid on the loan. So if everything above is in order it doesn't matter if you are retired or not.
There are 72 million Americans who are going to retire in the next decade. That is an awfully big market to shut out.
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boogatt66
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It all depends on your debt to income ratio along with your credit score. If you have good credit you can get financed for just about anything. I know a great finance guy if your interested, his email is badmatty53@yahoo.com. He'll get you a great rate as well as advise you are smart decisions, he did wonders for my refi! |
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spiritwalker
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That would depend, on your retirement income. Any monies that you are bringing in, counts for income. including social securty, unemployment checks etc. And your credit score.
You would need docs, showing how long you have received the money, and how long it will last. |
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scott2002williams
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Its doesn't matter either way. As long as your debt to income ratios are under 50%....you will be treated the same. (debt to income is all your monthly minimum payments divided by your gross income). |
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KConsults
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If you can prove your income and you can afford the home, there is no reason why either income option would matter.
If you have good credit, you'll be fine either way.
Of course, if you are retired with a pension and also work a part or full time job, then you will qualify to borrow more.
Just stay within your means and use a good loan consultant. Try your bank first if you're not planning to lie about your income and assets... |
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appsptspcl
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You really have to ask? |
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curmudgeon
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absolutely. |
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greatceasarsghost
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well, if bankers had any sense then they would not lend money to someone with no income (other than s.s, etc). fortunatly for you, most bankers have no sense and so SOMEONE will probablly lend you the money. but,... how are you going to pay it back,... i wonder? |
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