 First Time Buyer Mortgage? |
hiya me and my boyfriend is looking to get a first time 110% mortgage does anybody no of any cheap lenders ??
we both dont have any ccj's etc.
looking to by a new build like off ... |
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 Smoker will not go outside to smoke. His smoke drifts into my apartment. Says hes sorry. What to do? |
| I live in a duplex. A tenant below me smokes. Hes agreed to go outside to fullfil his habit. Yet, on occasion, will stay in his apartment and smoke up a storm. The smoke then drifts up the ... |
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| Should I buy a flat by taking a fradulent mortgage? |
I have been looking to buy a flat cos of the prices recently have fallen.
But my credit rating its not very good,i do have credit cards bank cards
but if i get refused a mortgage from my ... |
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 How do I find a guaranteed home loan for bad credit with no down payment and amount of loan not limited? |
| I am trying to find a home loan that I can get that is guaranteed for bad credit regardless of income, no money down payment and amount of home purchase is not limited.. We started into this home ... |
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 I bought a house in 2006 for $470000 and it`s worth $300000.? |
| i`ve been calling mortgage company to inquire about the housing rescue bill, where i can refinance my house to the current market value, but it`s seems that there`s no program available yet. I`m ... |
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 15yr mortgage vs. 30yr mortgage for 60 yr old couple? |
| I have 5-10 more years of work. Am buying home. Planning on paying 50% down payment. What is better option, 15 yr. mortgage vs. 30yr mortgage?... |
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 I recently bought a house and the survey company screwed up! Help!? |
| When I bought the house, I thought a had a good sized back yard. Now, my neighbor is building a fence A FEW FEET from the backside of my house! His survey shows that its his property, so I called ... |
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 Can a landlord refuse to hand over tenant's personal property following eviction? |
| I never thought I would find mysef in the position I am now, but I have been evicted. Times are tough and I fell behind on the rent. When it came time for me to get out, and have the locks changed, ... |
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 Had a lease, paid deposit, never got receipt or landlord signed lease. We cancelled. Now they want the deposit |
| I signed a lease for a house in Seattle, and paid the deposit with a check. I never got a receipt, nor did the landlord give me a lease with his signature on it. The week before I was supposed to ... |
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 Why is it harder for me as a citizen to get a home loan, but the hispanics and latinos have a ton of programs? |
| My husband and I work very hard, saved a nice bit of money down for a home and now we get the run around, and each and every time we get asked the same question. Are you hispanic or latino? No we are ... |
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 How long do i have to get out? |
I am living with my boyfriend he did not pay the rent so we have got a evection notice.
it says we have 5 days to move out or they will lock up our apt. I am moving in 2 weeks without boyfriend ... |
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 Landlord dilema?? |
hi - our landlord recently informed us in letter that he intends to put rent up. weve been renting for almost a year (it was february last year we moved in)
we never signed a contract with ... |
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 Will the house prices go down in the near future? |
is there any experts in the housing market that expect the house prices to fall in the near future?
Additional Details
i live in deeside wales and the wages are terrible round here. 18500... |
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 Can I get out of my lease because of a moldy basement? |
| I live on the first floor of a two flat, which is a really old house and the basement is constantly flooding. It's musty in the basement, and I have reasons to believe mold is growing down ... |
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 Do I have any rights in this situation? |
| The management company of my apartment complex has decided to repipe my building along with others. I came home early one day while they were working. They had my front door wide open for anyone to ... |
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 Roomate 3 day notice? |
| My roomate just decided she wants to move out at the end of May. Her plan was to move out july 1st and because the new place she wanted to move-in couldn't keep the place til then, she decided ... |
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Anissa H | Exactly how good are internet mortgage companies? |
Real Estate |
 |
 
dzwreck
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As previously stated you have some good ones and bad ones. While you think that most of these companies can keep their overhead very low because they are an Internet company, they still have a lot of overhead and gaining top search engine rankings and maintaining them do not come very cheap. I have noticed a lot of misleading advertising coming from many of these online Internet companies to get people to visit their sites and I don't think that misleading customers or sometimes even lying to customers is very good for any business. As much as it pains me to say this Quicken loans is actually not a bad online mortgage company to work with. However, working with a company online is not nearly as good as talking with a live person to answer your questions and help make sure you are getting the right program for your situation. Shop around online a little but then deal with someone via phone or face to face meeting for the best overall experience. |
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Landlord
 |
A high percentage are scams, including foreign financial and identity theft scams. |
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acermill
|
I would NEVER recommend using a mortgage broker from the internet. The few experiences I have had with buyers using these sources is terrible. Late documentation, no response, long waits on the phone for customer service, and when closing day arrives and they're not ready, a stupid reply like "sorry, you will just have to delay your closing for several days'.
Don't do it unless you want a mess. |
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Blue October
 |
Most are scams...you could feel safe using the BIG names like countrywide, bank of america, etc.
but most are scams...i spend alot of my time writing on answers to people and advising them not to fall for the other answerers who write in and say "email me--i can help you or i can get you a loan"...their loans are bogus and will only cause you grief.
for one they may take your info and then steal your identity...or two they will get you a loan, but it will be a bad loan such as an ARM (adjustable rate mortgage) where your payment constantly increases and you end up in forclosure.
I have always found it best to stay local....stick with your local banks...and keep the local economy strong. if your credit is good they will get you a traditional loan - which is what you want in this economy. (30 year fixed rate - no prepay penalty and put 20% down)...
good luck |
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Sioneâ„¢
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I worked with Countrywide online and had a lot of success and a good experience, although they are not strictly an internet mortgage company as I know they have brick-and-mortar offices and agents.
I was dealing with a fairly common online mortgage company whose name escapes me at the moment, but they seemed to be a good company, although I had better dealings with Countrywide. |
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marxistharpist
 |
The best thing you can do as a consumer is be educated. You can't say that all internet mortgage companies are bad, there are no absolutes. The major difference you are going to find between local and internet companies is when your with a local bank your going to be in front of someone and it brings a more human experience, an internet company you're going to get more competitive rates, because they have more options and are usually national companies or brokers buying leads from those companies. Like I said before, get educated, find what you want and shop around and see what the internet and your local bank offer, than make a decision. |
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godged
 |
Please don't go to those in here spamming for business.
As the others have said, it depends on the company and the individual mortgage broker. My concern is, what real stake does this internet lender have in making you happy? Will Marty S. be in the business 1 year, 5 years, 10 years from now? Unlikely. So, down the road, they aren't expecting repeat business and probably don't give a rip if they miss your closing date and you are looking at losing your earnest money.
Another concern I hear from those who try internet lenders is the bait and switch. They promise good terms up front, but when the final documents come through, it is a different set of terms, higher interest rate, higher closing costs, and the lendee either scrambles to find a new mortgage, or accepts the crappy terms.
And of course the internet is ripe with fraudulent activity.
Your local lenders are working in your community, working to maintain a great reputation so you will refer your friends and family to them.
Whatever you decide, good luck to you. |
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Russ B
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About as good as your local ones...there are some good ones and some bad ones. |
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