 Rent increase? |
| as a new landlord with inherited tenants, can i raise the rent while they are still under the current lease?... |
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 Should I buy or rent a home if I am only going to be in it for the next 18-24 months and then will move again? |
| I may be relocating for a job that I will be in for roughly 18-24 months. Given the uncertaintly of the housing market, do you think I should buy a home or rent? I would hate to buy and the value ... |
|
 Can I ask my tenant to leave? |
| I recently bought a house. It is NOT a duplex or anything like that. It's a one-family house with a small bachelor attached to it. When I bought it, there was someone renting the bachelor. I don&... |
|
 House Question...? |
If a house is on the market for £195,000, what price would you offer to buy it for?
We are first time buyers, with the cash and no property to sell.... |
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 A tenant in our investment property is slow to pay her rent. What steps do I take as Landlord? |
| This nice young lady is the single mom for two school-age kids. Her very first rent check bounced, the second was sent along short by $200, now we're two weeks into this month and NO PAYMENT... |
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 Can the condo association force me to pay for maintenance of my deck (common element)? see below. ? |
| I declined having my back deck power washed and stained last year because it was inconvenient for us when the contractor called to have it done in Sept/Oct 07, and summer's over. Anyway, I just ... |
|
 Mortgage Statement Question? |
| I recently bought a townhome 6 months ago, 6.75% fix 30yr. I was reviewing my mortgage bill and noticed it shows im paying $650 or so per month for "Interest/Principle" and shows a tab just ... |
|
 Why does the seller of a home have to pay a commission to the buyer's agent? |
| I was just wondering why, if I am selling my house, I have to pay someone to buy it especially if I am selling my home without a real estate agent.... |
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 In a flat with 3 floors, which floor is it best to live on and why? |
| We have seen 2 flats, one on 1st floor, one on top floor, both are the same rent, both furnished. How do we decide??... |
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 My mortgage is so high!! how? |
| do i go about moving mortgages?? so i pay less per mounth over a longer period of time??... |
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 Anyone ever been ripped off, by there ex landlord? |
| Yes i moved out! but gave no notice.we lived there 10 years!shes been in the house mabe 3 times while we lived there! I painted walls,cleaned gutters, fixed things when needed!! long as she was ... |
|
 How long can a former tenant of an apartment leave something after being evicted? |
| My grandparents recently evicted a pair of less-than-savory men who left, by my estimation, almost $2000 worth of electronics including an Xbox 360, controllers, PS2, Sega Genesis, 2 TVs, and a Sony V... |
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 Monthly payments(living on your own)? |
| As far as bills goes I wanted to see if this was accurate. Also, my parents said that if I move out in like a year or two they could help me by paying the monthly rent. So I tried to talk them out of ... |
|
 How do you get out of a 12 month lease? |
| I still have 5 months left on my lease, but money is tight. My boyfriend lost his job and we just can't afford it anymore. Our property manager is a B**** and has no people skills what so ever. T... |
|
 Help. i want out? |
| me and my boyfriend bought a house together.......well....i want out.....he can't refinance because of prepayment penalties....he can't qualify and assume loan because his credit sucks....... |
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 Can a landlord do this? |
Here is what I asked last week:::: and just to clairify, my boyfriend does not live with me, he just visits and sometimes spends the night.
And the manager knows he dosen't live with me.
... |
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Princesses Pound Puppy | Does anyone know of a mortgage company that'll give me a loan even though I filled bankruptcy 8months ago ? |
I need a mortgage company that will not charge an outrageous interest rate and that can work with a housing program in Ohio
Additional Details
Alright, some details about the program, interest rate can not be more than 8 and 1/2% and has to be fixed. My husbands score is 530 and mine is 567, I no longer work, but I do get child support. The program is through the state, county, and city, for brand new homes that have not been built yet. (the land is donated). Can anyone help? |
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leah_ifft@sbcglobal.net
 |
Anyone who has quoted you an interest rate with just that amount of information is wrong or lying.
If your bankruptcy is a chapter 7 and it has been discharged, it won't be an issue, as long as you meet the credit scoring and tradeline requirements.
It will also make a difference if you had a home that you included in the bankruptcy.
If you filed a chapter 13, you will need enough equity in your home to pay off the chapter 13. Your attorney will also have to file a request with the chapter 13 trustee asking permission to refinance. And, yes, the interest rate will be ugly. But, depending on your unique situation, you may still save money.
As far as the housing program, it depends on which one and it depends on which lender will approve you. Some will allow these types of programs, others will not.
Feel free to contact me if you have further questions. I'm a loan officer in the state of Ohio. |
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charles m
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I would love to look at your situation. I am a full service lender.
you can reach me at cmentesana@rmchomeloan.com |
|
eGuy
 |
http://www.nohasslebargains.com/loan/id12.html
Home Equity Loans
Financial Services |
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mortgageguy
|
We have dozens of programs to loan people that have a bankruptcy discharged at least 1 day. If you have a Chapter 13, it's more complicated. |
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Waine
|
hello, here's an easy
link with info and offers on mortgages:
http://finance.ebookorama.com/
also perhaps here:
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
http://credit-cards.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you, thanks! |
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milf man
|
custom mortgage solutions from vorhees new jersey,your rate will be somewhere around 8% most likely and will be adjustable after 3 years then you better refinance because it will jump to like 11% or even 14% |
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Skip
|
I specialize in getting loans for people that are in bankruptcy and those that are challenged by low credit scores.
There is a possibility that you can get a rate of approximately 8% but the loan will be what we call in the industry 3/27 or 2/28. This is a loan where the first number indicate how many years the loan is fixed before turning to an adjustable rate mortgage. You may refinance after the term is up which ever you decide to do.
Most will work with any local housing program that you have or want to keep, as long as the local program will subordinate to a new first being made if that is the case.
A little reality here. I don't know how you got in the situation you are in, but the lender's underwriters base their decision on interest rate on how well you have taken care of your financial obligations in the past. Being in bankruptcy is one of the things in our industry that will prevent you from getting the best possible rate available.
With the scores you have indicated you have and the other items you have indicated the rate and possible fees are higher for individuals with these type scores.
If you have kept current with your present mortgage company even though you have filed a bankruptcy might be able to give you a rate and term refinance with just your mortgage history, but that is only if you have made 12 months of good monthly payments.
If that is not possible and you are attempting to get a better rate perhaps you should try and wait until you have 12 months of excellent mortgage history, after which you can still get a rate and term refinance and the rate and fees will not be as high, the underwriters decision to grant you a loan will be made strictly on the fact that you have made 12 months of mortgage payments.
At this point you may select your current mortgage lender or go to another lender.
I hope this has been of some use to you, good luck.
"FIGHT ON" |
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directionless
 |
I'm assuming you're looking to refinance, not purchase. If it's a chapter 13, yes, you can get a loan but the rate will probably be pretty high. They mortgage company will require you pay off the bankruptcy and will probably only give you a limited amount of cash out. If you talking about a purchase, you may have a really tough time. I don't know how lenders will look at working with a housing program. If you have First Horizon in your area, check with them. |
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Richard M. Johnston, Realtor
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Open the yellow pages and see if you can find a broker who specializes in helping people like yourself. They do exist. |
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Jeff
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There are lenders that will refi with one day out of BK, but there are many other factors to be considered. |
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ntavisola
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Depend - consider your loan-to-value. If it's low, you may get what you're looking for - that is, if the market gets better. But you see, it's not. There is quite a number of lenders providing loans to borrowers with a 1-day BK - but it definitely has risk-mitigating factors. What you expect may not exactly what you're going to get in reality. Lenders already calculated their risks onto the interest rate. |
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Silly M
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Aww, honey, stop playing on daddy's computer. |
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JESUS loves
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no one will |
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