 Can my landlord's wife break my lease? |
I am currently residing in a home on a 4-year-lease ending in 2010. The lease is in writing and on a contract.
My landlord and his wife own the home we are renting but have recently ... |
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 What should my parents do? |
| ok here is the story my parents sold our house and we built a new one, brand new and they needed money from my aunt to finish it. now we got the money from her and now we have to pay her back, but my ... |
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 My landlord won't return mine or my future landlords calls to verify my stay. What can i do legally? |
| I want to move into another apartment complex. I HAVE FULFILLED MY 1 YR LEASE AT MY CURRENT RESIDENCE. THE NEW COMPLEX WABN'T TO VERIFY THAT I LIVE THERE AND HAVE PAID MY RENT AND FURFILLED MY ... |
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 I want to make an offer on a house I like thats been on the market for 8 months and no previous offers.? |
| Its listed for 306K now, as opposed to 334K 8 months ago. The woman has had no offers and wants to move. Since the market is a buyer's market, and she's had no offers, people tell me to ... |
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 What's better, foreclose, or file bankruptcy...? |
| credit is bad already for missing pymt. but as homes going through foreclosure, should i file bankruptcy, or should i just let foreclosure happen and not worry about it...? what are the pros/cons of ... |
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 Our landlord called us to go in and sign another lease cause they made a mistake on the rent do we have to? |
| We signed a lease at the beginning of the month and they have the rent at $75 less than what it should have been do we legally have to sign another lease that would make the rent go up?... |
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 Should you tell a landlord about a broken window that you fixed? |
| it was our fault we broke it but we replaced it a day after we did it. we are new to renting.... |
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 Are home prices ridiculous? |
| I don't understand why there are homes on the market that are ghetto shacks being sold for over $300,000. Does anyone else think that people are getting greedy over real estate and can you ... |
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 What are the consequences of lying on a bank application? |
Additional Details
lying about your residence status, saying that you are a us citizen but you're ... |
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 How do "normal" people with "normal" paying jobs ex: teachers, police, afford to buy a home in CA or the like? |
| I am single and a teacher in TX and I am stunned by the possiblity of how people can afford to buy a $300,000 to $600, 000+ home in CA, OR, AZ, or really anywhere, where the "below-average" ... |
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 Can we afford a million dollar home? |
| Okay, my cousin and I are going to shack up together. She is currently in college getting her BA in Med.( She wants to be an obgyn). And, I work regular labor at $12/hr.for 40 hrs a week. Our cars ... |
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 My house is up for sale, the Estate Agents have told me to drop it £13k? |
| My house has been for sale for 4 months, no offers, I have new valuations from new Estate Agents advising to drop it £13k to £125k. They say the property market on its way down? What do you think?<... |
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 What different types of mortgages are there? I dont want to be scammed? |
| I dont want to get scammed into taking a mortgage I dont need. Can a mortgage expert enlighten me on mortgages. i would also like to hear the laymans views as well. How many types are out there; Pros ... |
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 Can you turn your home into a business? |
my friend is looking for a premises to start an organisation, can she transform the ground floor of her house.
Additional Details
she wanted to set up a help organisation for domestic ... |
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 For mortgage purposes, will my second home be considered a primary residence, investment prop. or second home? |
| I'm currently renting out my primary residence. I moved, and am living in a rental in a different state. I'm sort of doing this backward. I want to maintain my original home as a rental, ... |
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 Will the UK Prooperty Market crash in 2007? |
www.housepricecrash.co.uk
www.globalhousepricecrash.... |
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☆Nick☆ | Do you have to have a down payment to buy a house? |
i dont think you have to have one, but in order to get a lower payment you would need one right?
Additional Details
hey mark! tenn. is where we are planning to buy i need to get up with you!!LOL |
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markusbda1
 |
Honey, PLEASE don't listen to the folks on here who are not up to date on the current mortgage market. I am a Realtor & Loan Consultant in Tennessee. There is no such thing as 100% mortgage or 80/20 programs any more. You don't say much about your credit, so I can't be too specific, but SOME conventional lenders will go as low as 3%, most are 5% and some have moved to 10% downpayment. FHA minimum is 3%. There are still some DP assistance programs out there like Ameridream, but the seller has to agree to pay the downpayment into the program for you, along with a (comparatively) small fee. If you are doing an FHA loan, your credit score has to be above 620 to participate, even though you can qualify for a loan at 580.
It really doesn't affect your interest rate alot until you get up there in your DP %.
As a professional who cares, I always ask any of my clients these days to think long and hard about owning a home if they don't have the means or desire to put some cash on the table up front. It's expensive to own property, and if you can't come up with a downpayment, are you sure you are going to be able to pay for a new central heat & air unit, etc. As Dave Ramsey says, Murphy will move right in with you as soon as you over-extend yourself. Get in contact with a reputable Mortgage broker or bank in your area to discuss your unique situation & see what's right for you. You shouldn't have to pay for advice. Good luck! |
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thor_torkinson
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First time homebuyer looking for 100% financing. Ha ha ho ho hee. Never happen friend. Think about 10% down. 20% is better. You'll shed the PMI requirement at 20. |
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LaLa
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In this market you do. They used to have 100% financing but that stopped when foreclosures skyrocketed and the market slumped |
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Sharon B
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Yes you need a down payment. There are ways you can get assistance so the money does not have to be yours. I own a mortgage banking company so here are some of your options.
100% - Financing, they stopped in July of last year.
80/10/10 - Still available if you come up with 10 %!
Your best bet. FHA. On FHA you need 3% down. The 3% can be a gift from a family member or you can get assistance from a first time homebuyer grant from your city, county or state. It is actually pretty easy!
Or, if you want to buy a bank owed property and it needs repair you can secure a 203K, put 3% down, still can be a gift or pruchase program, but get this...you can finance any repairs as long as there is a minimum of $5,000 and up to $35,000 in repairs needed. And....if you can not live there while the repairs are being done, you can finance up to 6 months payments, Sweet, hah? |
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Carolyn
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if you can find a ligitamate mortgage company that will let you buy with no money down in this market - PLEASE let me know! |
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ibemaximus
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This may have changed but it use to be first time buyers did not..youd have to research it |
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mr_tasty_phlegm
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No, but you'll have to pay for PMI which is private mortgage insurance which adds about $10 per $1,000 financed to your payments. Typically, once you get to 20% loan to value, you can request your PMI be dropped. |
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coralee
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To get a better lower payment that would be the best way |
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Sa Via
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you do need to pay a down payment. |
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Awsome
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No you don't but for a lower payment you do, unless you want to spend your whole life to pay of a house. |
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Tsunami
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no you don't it dpeenss on what you r finances are and all sorts of things and sometimes they say not down payments also so you can look for them they are all over the place |
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