 Pointers for selling a home? Suggestion on what people look for? |
Other then keep it neat and clean....
Additional Details
We have an agent.....
I was just looking for more ideas other then the basic list.... |
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 Tenant/Landlord question? |
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 Closing on my first house?!? |
I am closing on my first house tomorrow!!! (I am only 20) And I was just wondering how long it will take and what all will I need to bring besides closing cost?? Any other good tips?
If I ... |
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 How much would I be able to rent a decent flat for when I'm 16 in Sheffield? |
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Rent
Electricity
phone
water
gas (heating)
insurance (car)
gas (car)
groceries for home
drinks
meals eating out
entertainment (movies, ,shows, etc)<... |
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 My landlord is trying to raise my rent.....HELP!!!? |
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 Why does my apartment manager need my 2005 tax return? |
| I just got a message from my apartment manager saying that she needed me to fax the 1st page of my 2005 tax return to their office. I called back and she said they were going through an "audit&... |
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 Secure Home for a Loan? |
| I am looking for a loan, between $25,000 and $50,000. I have about $28,000 in equity in my home, but b/c I am self employed and using bank statements to state my income banks are not willing to give ... |
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| I am in desperate need of buying a house by April 2007. I filed bankruptcy in October 2005, and it will be discharged on March 2006. Are there any companies or programs that can help me in this ... |
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 Question on a Home Equuity loan....? |
Some facts:
May home was recently appraised for 150,000 more than what I am currently paying a mortgage on. Now does that mean I can get a home equitly loan for like ten percent of that money? ... |
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Sarah19 | Do you need to be in full time employment for a period of time PRIOR to applying for a mortgage? |
I want to apply for a mortgage when I graduate in June with my boyfriend.
He is on around £18,000 and I hope to be on the same.
I was wondering if I can apply as soon as i get my first full time job or will I have to be in the job for around 6months prior to applying in order for the bank to see my income??
We plan to put a £15,000 deposit on the house and get the rest on a mortgage, we seem to be able to borrow around 104k, is there no more with anyone, like 100% mortgages?
Also, how much would it affect my mortgage application if i had a loan outstanding of around 5k? does it affect it greatly or not alot?
THANKS IN ADVANCE FOR REPLYS |
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confucious says
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generally yes you have to be in permanent employment when you apply, but there are exceptions and I believe after reading your question in full you will be ok you may have to try a few different companies though but you should be ok. the loan wont make any difference in fact it will probably help if you have no arrears and all zeros on your credit record.
all zeros mean you have never made alate payment during of time you have had the loan |
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Lara W
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Try going to this site, they have lots of information about this sort of stuff. |
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mrs_b
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I got a mortgage agreed prior to starting my first job - I just had to prove that I was going to be in full time employment, and had to show a copy of my contract of employment to prove my salary etc. Different lenders will vary, but rest assured, there are definately some out there that will offer you a mortgage.
I doubt a loan of £5K will affect it too much, but it may slightly reduce the amount you are entitled to borrow. |
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redmanlynne
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you will have to talk to each individual bank and they will let you know what is available for you...but 6 months is the usual in a full time job |
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stomper
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it's a year |
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Giggle
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I had to provide my last 6 months pay slips... so yes
having a loan will affect your mortgage application-in two ways:
1. by having a loan (so long as you haven't missed payments) your credit rating will be better-same goes for credit cards
2. they may ask you to present your monthly outgoings & deem your spending to be excessive & unable to afford the mortgage (but unlikely)
If you wanted to most mortgage lenders will offer to add your loan onto the mortgage-which will reduce your monthly outgoings-however you will then have to pay your 5grand loan over 25 years-the interest will be about 5 grand rather than the 700quid you would pay for the original loan |
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bellatrix
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yes i think you have to be in same job for at least 12 months i have a friend thats trying for one too |
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Gem*
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Normally when you apply for a mortgage you will be asked for 3 months pay slips. |
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farleyboy
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At the very least you must be in full time permanent contract for a minimum of 6 months |
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NETw0rk
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you know what? people like you make me squirm. You think that money grows on trees. what right do you think you have to a 18k job over me? Just cause you white and got a few gcses you can get anything cant you?
You and your boyfriend are living off the fat of the slave trade. You whites keep the black man down so everything goes to you lot. I really really hope you get your mortgage. And i hope you & yours choke on the debt. |
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