 Can i get out of a contract to sell by taking it off the market, if so how long before i can put it back on? |
| i had dealt with a realtor on 2 sells and one buy of a home, we just inherited a home and wanted to sell it, we contacted our old realtor, she had her husband give us the contract, my husband was in ... |
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 How do I deal with difficult renters? |
They moved in 3 days ago and already have a list of problems.
I have addressed some of their concerns like; I changed the locks and put new smoke detectors in.
They are complaining that ... |
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 Can i buy a home with horrible credit and 50 percent down? |
| I live ina very affordable area, i have 50k to put down on a 100k home, could i do this with horrible credit?... |
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 Buying a house for sale by owner? |
| What types of things do I need to look out for when buying from an owner and how much should they know? Fees involved or anything like that ussually?... |
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 Is it possible to still get a mortgage even though i am on a debt management plan? |
| I have been on this plan for about two years and have about 5 years to go, and i would really like to buy my own home instead of renting like i am doing. I have not defaulted on these payments so far ... |
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| If i let my home go into foreclosure can i buy another home ? |
| can i buy a home while im in a home thats going into foreclosure but still modifying my existing home and get a good deal on my new home that i can afford with bad credit and get a good rate?... |
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 My wife decided to sell our house, but I think it is a bad idea. She is going ahead.? |
| We are joint owners. I was the one who paid for it, and sole earner. I don't want this to go on the market and I told the broker my wife contacted that we would not sell. I have just heard ... |
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 Selling mortgage after 2 years? |
If I had a $150,000 30 year mortgage for 2 years then I were to sell it how much money would I have?
& how much would a montly payment be for this mortgage?
Additional Details... |
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 Does this add value to my house? |
I have an 800 sq ft shop on my property. We are currently rennovating it into a 2bd/1ba house, but we have no permit. Will this add value even though there is no permit?
Additional Details<... |
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 If I previously made a 30 day notice to leave my apartment, can they give me a vacate to leave in three days?! |
| I gave a 30 notice the 16th of Jan. stating that I would be leaving my apartment. I was told by the manager that it had to be a 30 day notice. I signed and dated this letter in front of her. I came ... |
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 How much of a notice do you need to give a landlord? |
| My cousin is movinig from an apartment where she has had nothing but bad luck with the landlord (no fault of her own, this person is just difficult!). She now wants to move back to Ohio (she is ... |
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 Our tenant has left the state and abandoned his lease? |
| But he has two male friends staying in the house who said they were supposed to pay the rent since our tenant left. We do not know these guys and they do not have a lease with us...AND as of today, ... |
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 Put a bid in on a house, was accepted verbally,then told later that seller went with better bid.Any recourse? |
| My father-in-law bid on a house last week. On Monday, he was told by his buyer agent over the phone that his bid was accepted. Then on Wedensday, his agent called him again and told him that the ... |
|
 Can you buy a house even though you collect Social Security Disability? |
| I was wondering if you collect partial Social Security Disability and work the minimum, would you still be able to purchase a home or is it something that comes up on the credit report?... |
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 I have my realestate license in CA what kind of job can I work? |
| i was a Loan Agent for 5+yrs, but w/this market business is SLOW! and selling homes know is also very slow.......anything else??... |
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 Is a landlord required to provide a written 30 day notice if the lease is an oral month-to-month agreement? |
| Im on a month-to-month lease right now and I know I must give proper written notice when I decide to move out. The lease is an oral agreement.... |
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bdiym1 | Home loan intrest rate? |
I am intrested in purchasing my first home. What is a good intrest rate for an above avarage credit? |
 |
 
ROCKY
|
You need to shop for a loan. People often go with the first person they talk to when it comes to home buying...Big mistake. You wouldn't just buy a car without shopping around for the better deal.
Go to several banks and let them know you're shopping around. If you belong to a credit union or are able to join, sometimes thay have the better rates.
As for loan brokers, just remember you are paying them also, and if you have above average credit and will be able to show all documentation then you are probably better off going directly to the lender. |
|
versantly
 |
get some quotes from your bank, credit union, and mortgage company. compare these. |
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Casey C
|
Wow, Timberuno is a big fan of disparaging isn't he?
Bankers and Brokers are both able to get you the best loan in the business. Both have opportunity to do what's right for the consumer or do what's right for their pocket book.
As a banker for Chase, I get paid off of the loan amount, not the amount of fees collect. That's important to know. A broker gets paid by either charging a higher rate to get paid a commission by the bank or by charging origination fees up front.
My paycheck is determined by how many loans i do and for how much money I lend? why would I care what your rate is? I work for Chase and they are consistantly in the top 3 of best priced mortgages.
The average interest rate being booked right now is 6.28% on a 30 year mortgage. This is simply an average, but I'd be more than happy to show you how you would qualify for a loan and walk you throught the process.
casey.x.casperson@chase.com and caseycasperson.com |
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matzael
|
you can find average rates with and without different points at sites like bankrate.com.
For the record bankers or brokers could get the best type of loan the big difference is that banks tend to have slightly higher rates and lower fees. Brokers have lower rates and higher fees. That's a gross generalization and any loan officer at either type of institution can do the loan the other way around if it's the better deal for a particular client.
Just keep in mind that banks don't have to tell you how much they made in the interest rate they gave you. They don't tell their employees what their profit spread is half the time. Doesn't really matter though shop around and take the best deal out of 3-4 offers. Don't get hung up on either rates or fees, just take whatever combination is the best for you. |
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Timberuno
 |
AHHH....don't go to banks to shop loans, they are in the business of selling what will make them the most money!!
Go to a loan broker...broker have access to all the same info as the banks, including the bank you'll probably go to anyway, you may pay a little extra in closing costs, but you will get it all back with a better loan.
Brokers are better at finding the loan thats right for YOU not the bank, the broker gets more or less the same rebate no matter what loan they get you into, the bank wants you in the loan that will make them more money on the secondary market.
Oh and another thing, dont be overly consumed with interest rates, be more concerned with what comes out of your pocket. It's not always Related.
If you want more info shoot me an e-mail, advice is free.
I'm a REALTOR/ Loan Officer(for a broker) in California, and our company is licensed to do some other state loans as well. |
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