 How can I stop my landlord from evicting me from an apartment in Texas? |
Husband moved out, had to spend money on things like car repairs so I can get to work, and other bills. Need a little time to catch up but apt. manager isn't cooperating.
Additional D... |
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 Landlord repair problems? |
| I rent my house privately, and 8 days ago my boiler broke, I have not had hot water and heating all this time. I told my landlord as soon as it broke and I am still waiting for the repairs to be ... |
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 Who will refinance our mortgage that is in foreclosure? |
| We are in foreclosure, it has not yet been sent to the mortgage companys legal department but it is just a matter of time. Is there anyone who knows who might refinance us so we don't lose our ... |
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 Can my landlord notify others of who visits my apartment? |
cali resident
landlord knows my father
our complex has many cameras which she views and then reports to my father who visits me?
is there any privacy law out there that prohibits this?... |
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 Is there a legal way out of a 3yr rental aggrement? |
| I signed a 3yr rental aggrement, and now have lost a large part of my income, is there a way out of this aggrement without a law suit?... |
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 Why would house seller require cash only sale? |
| What are the benefits to a seller of a cash sale?... |
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 Would it be illegal to have roommates (indirectly) pay off my student loans? |
Ok... let's say I get a $150,000 loan for a house but I only have $70,000 left to pay on the house. That's an extra $80,000 for me in cash, right?
Would it be illegal for me to ... |
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 HI, i recently bought a car, it seems that finance was still owed, what do i do?? |
| I bought a car from what i thought was a genuine seller, i've recently received letters form a finance house saying that finance is still owed on the car and they want to come and get the car, ... |
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 Is my realtor yankin' my chain? |
| I'm in the process of shopping for a new home, and I'm finding myself doubting my realtor. I've found a place I like, but it's very old and I would like to have an inspection ... |
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| Is a two bedroom to small for us? |
| I am just wanting personal oppinions.. My fiance and I are looking for a house and have had NO luck!! We live in Texas where the hurricane hit so right now houses are hard to find.. I found one today ... |
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 My ex-landlord has taken an extra month rent after I have left and ended my agreement, how do i get this back? |
| i left the flat in december however an extra payment was taken from my bank to the company who had arranged the agreement. I informed them immediately however they chose to still make the payment to ... |
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 If i buy a house and 4 months later the foundation has a crack in it and my basement is flooded. who pays? |
Additional Details
There was foundation repair done in 04 but it was just to reinforce the walls, i had a plumber/carpenter give and estimate and he said it was who ever put up the ... |
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 Would it be too much to ask to skip a months rent, to pay the Gas bill? |
I just got my gas bill for my rental house, and it was almost $500. ahhhh! So, needless to say, I can't pay it!
My house is always cold, and I turn the heat down at night, and ... |
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 Neighbor throwing cooking oil next to my house on my property, what can I do? |
| I live in Texas in a new subdivision and my neighbor is throwing cooking oil on my property next to my house, what can I do. I called the home owners association and the health association and they ... |
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 Why do people say they own their own home before they have fully paid off their mortgage? |
| Surely until that happens you are really just renting from the bank/mortgage lender given that if you do not pay on time they will repossess??... |
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Hannah P | First Time buyer, Can i buy a property with my mum or dad to help me get on the ladder? |
i am a first time buyer but cant afford to buy a house on my own, does any one no if it is possible to buy a house with your mum or dad even thou they have a mortgage on there own house, could they take out a second mortgage to help me get on the ladder and i pay the mortgage. |
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demure-manure
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you can get a mortgage with anyone! as long as they earn enough to get the loan
Be warned though, they will nned to move to the property (on paper) or they'll face capital gains tax, owning 2 houses.
maybe they could part own it on a minority scale, say 75% to 25%. You can get independant mortgage advice at the mortgage advise centre. |
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Zeltar
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Yes. This is often done by first time home buyers. You can jointly purchase the home. For example, you might own a 60% share and your parents may own the other 40%. As your wages go up, you may buy your parents out (if they want their investment back) and do a title change on the deed. |
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Geeza Sooka Yerlips
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Get a house that does not need repairs, how are you ever going to fix anything if you can`t even get on the ladder. |
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golden rider
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It can help, but if you can get the loan with them as co-signers it would be better. That way, you are building your own credit and not theirs. If you are on the loan and they are on it as well, unless they are co-signers it is not building your credit up as well. Talk to a loan agent about it. They will explain it in more detail. |
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betty
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Yes, but not exactly as you desribe.
If you don't have enough money to get the normal mortgages from the bank you can ask about 100% mortgages, then you can get one or both of your parents to sign an agreement with the bank that they will pay any installments that you can't.
The bank will then be able to pay for your house while you slowly and steadilly pay them back forever more, and they are safe in the knowledge that if you can't pay then your parents will have to. |
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wizjp
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Well you can do a joint mortgage with your parents on both the deed and the mortgage. It won't be a second; it'll be a first on a different property. Legally anyway,
Up to a bank to decide if this is a good risk for them. |
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CountTheDays
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You can get anyone you like to help you get on the housing ladder. Just remember though that when they do, they also share in the ownership of the home you buy. That is, it will not be entirely yours. The lending organisation also has a stake in your home - they can 'repossess' it if you fail to keep up with the payments. In plain language - any home you buy with a mortgage is not yours until you have paid off the entire loan. Your parents may be willing to increase the mortgage on their own property in order to give you a lump sum to put down as a deposit on a property, (the easiest solution), or if they join with you to take an additional mortgage on a new property they will have to provide the same amount of evidence of income/financial capacity as you. They may not be prepared to do that. They will also expose themselves to additional tax burdens. If buying means paying considerably more than what you would pay in rent then there is not much point in trying to burden yourself with home ownership. |
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Miss Emily
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yes they can do a Home Equity Line of Credit to help you with down payment.
However they have to qualfiy, just like you do, with good credit & income, enough to show the bank that they can afford 2 house payments. or at least 1.5 house payments, since you'd also be going on the loan & your income will also factor in.
You should start to talk to a Direct Mortg. Lender or a larger bank & have them run your credit & your parents & do a full application with them. |
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navster01
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Hmmm.. it could be hard to have two mortgagaes .. why dont you get them to help you with the deposit and then you can have the mortgage in their name .. if you fail to repay its ur mum and dad who will be affected and not you and you dont wanna do that ... !! |
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