 Can i sue my previous landlord for this? |
| My previous landlord is trying to sue me for damages to the house and not paying rent when they kicked us out 3 months before the lease is up. Also they kept the security deposit that I was promised ... |
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 Customer wont pay? |
| I have just fitted a kitchen for a customer and they are refusing to pay. The kitchen was fitted last week and the money was due today but they say there is a scach on the work top so they are not ... |
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 How does paying down a huge amount on my mortgage affect my payments? |
If i buy a house for 300k, put down 30k and get a loan/mortgage for the remaining $270k . if 1 year later
i pay off a big amount of about 50-60k on the loan, will that help my loan payments at ... |
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 How do I get my landlord to stop the flooding of my apartment? |
| I have a townhouse that has a porch and sliding glass door. Twice since i've lived there and we get heavy rains, the water comes in from underneath the carpet by the door. The first time it ... |
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 As a tenacy with contract of one year how long notice i ha to give to may landlord as i lived 6 month? |
| I lhave a contract of one year in a property in uk i benn living about 6 months now i need to give notice to my landlord do i give one month notice or 2 months?... |
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 How to change from a 30 yr mortgage to 15 year? |
I bought a house a year ago and am in a 30-year mortgage. I was just looking at a 30 vs 15 year calculation and the 15 year mortgage is only about $100 more a month.
Can this be right? The loan ... |
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 My lease ends July but, my apartment says I cannot get out of the lease until September.....? |
| My lease ends July but, my apartment says I cannot get out of the lease until September because I didn't give them a heads that I was leaving on July. Is that true?... |
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 Once the old house is purchased how many years can you sew last owner for hidden faults? |
| we bought the house last year only to find out that the floors are completly rotten under ceramic tiles as well as the floor in the basement under carpet. Rotting is due to water entering over ... |
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 For all builders out there honest questions no stupid ones? |
| we hv just moved into property owned by housing assoc brand new were told not to do anything repairs for a year time is up now by law what should they be doing bearing in mind there are cracks ... |
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 How low will House Prices crash to? |
| How much are house prices going to drop in the next year? First time buyers need up to 50% to make them affordable... will they get there?... |
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 Landlord Issues!!!!!!!!!? |
Our Landlord comes round all the time to check up on us - thinks were ruining the place but the letting agent thinks our house is neat and tidy.
Its getting a bit annoying having him come ... |
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| Double standard with mortgages? Why did my "friend" tell me that I wouldn't get approved for mortgage? |
| Okay my friend is 18, in college, and works at BEST BUY(she has savings though) yet she got approved for a $200K mortgage with $40K down. (the house is for her + her mom; she's splitting the ... |
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 What does 1.5 bathrooms mean? |
I am trying to rent a room in another city for the first time.
i found a room in a shared townhouse that says:
- One big bedroom in a 4 bedroom townhouse
- 1.5 bathrooms
I dont ... |
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 Mortgage interest rate. Should I lock now? |
| I applied for a mortgage today and got a rate of 6.0% if I lock today (I still did not). This is a 30 year/fixed, 20% downpayment and I have to pay down 2.75 points to get this rate. There is no ... |
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 Whats important to you when you buy a house? |
| I know different people are looking for different things, but whats important to you when your buying a house? The size of the kitchen or bathroom, the garden? What makes you want to buy that house?? ... |
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 Can I buy a house even though I'm only 18? |
Will there still be a problem if I pay cash? Is there an issue if I have so little credit willl it still affect me?
Additional Details
If i go away to college will it affect me even ... |
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 What is the average monthly mortage payment for a house that costs $350,000? |
Additional Details
I am buying a 5 bedroom $350,000
house and i need to find out what the average mortage payment is.
I have a monthly income of $8,333.40.... |
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 Realtor doing her job? |
| House has been on the market for 3 weeks. We have only had one showing (by another realtor from out of town). She has not shown the property once. The feedback from the Realtor open house, and the ... |
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 What has been your worst experience renting a house? |
Either as a landlord, tenant or in a group or share home.
It was inspired by this story in the media.
http://www.nydailynews.c... |
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roenajdje | How can we get a home with no money down, bad credit and debt? |
My wife and I both have bad credit, I had bankrupt. in 2001 (discharged in 2002) And I have about $25k way over due in student loans. My credit score is about 580. My wife has a credit score of around 520, she only has credit cards that were late. How can we get a home with no money down? |
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Rick B
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YOU CAN'T. AND SHOULDN'T.
This is the reason that all the subprimes are defaulting.
Do you really think (after reading your post) that you are in a position to take on a loan of $100,000 or more and be a good risk?
Not very likely.
Clean up your credit.
Pay off your debts.
Save up a substantial down payment (at least 10%, preferably 20%).
Save up an emergency fund in cash of 3 to 6 month's living expenses.
Then look for a house that you can afford. |
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Judy1
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Pay off the debts you owe and get your credit scores up, save up a good sized down payment, then look for a house. Under your current circumstances, you can't.
There are many scams out there that will claim they'll get you financed if you pay them an up-front fee. They'll just take your money, then not get you financed. |
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Deliah
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Even with money down you will not get a loan right now! |
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hedwigreallyrules
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We just bought a house with no money down. There is a loan called an 80 - 20 loan. Basically it is a first and second mortgage. 80% is considered the first and then the 20% of what should have been the down payment is the second mortgage. You can place extra $$ towards the second one to pay it off faster. |
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alexa dion
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Credit card debt consolidation management programs are good ways to eliminate card blues. These companies can help you with a contingency plan when you are under constant pressure of clearing dues as soon as possible or the pile of debt keeps mounting up. Its no denying the fact that making payments at one go is not as easy as it said. This becomes even more difficult if you do not enjoy a good credit rating, thanks to long overdue bills. This is where you need the services of professionals who hold expertise in consolidating debt and loans with a multi pronged program for debt reduction and financial management.
Companies offering credit card debt consolidation services have staff or skilled representatives and managers who help you in alleviating your problems. These companies and professionals offer one or combination of the following for easing your debt burden and setting you free from the hassles of harassing collection calls:
# Representatives help by negotiating with all your individual creditors on your behalf to reduce or minimize payment follow-ups and collection calls till such time they devise a settlement plan for you.
# On the other hand, managers the consolidation company talks to the creditors and settle lower interest rates. They also help by checking additional hazards like late fees and other penalties.
# In some cases, the company can also help in reduction of total amount due of your cards. Read more from: http://www.credit-card-gallery.com/article/145,Credit_Card_Debt_Consolidation_%E2%80%93_Best_Way_To_Manage_Payments_Pressure |
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bdancer222
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You really need to rethink your spending habits. You are never going to be in a position to buy a house with that track record.
You need a budget to dig yourself out of all that debt and bad credit history. For two weeks, write down everything you spend money on. You'll be amazed at how much money you are just throwing away.
Make a list of all your bills and expenses. Categorize them into groups of importance. Look at each thing and figure out how you can cut back. |
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Pengy
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In today's market and what is happening basically you cannot. Lets face it credit wise you are a mess, and obviously did not learn after the bankruptcy. That gave you a second chance yet you learned nothing from it and continue on your ways, and now want to buy a house 100% financing? No one in their right mind would loan you the money even at a higher interest rate, because the writing is on the wall, you would end up in foreclosure within a year |
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advisor20
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Good Luck. I'm sort of in the same boat. My credit score is 590 and I'm trying to find a mortgage also. I have been paying my bills on time and have money saved for a 5% down payment. I do have a bankruptcy that has been discharged for 2 yrs so my credit score is very low as a result. I make $62k a year and have been paying $1350 rent every month on time for the past 3 yrs!!! Even though my mortgage is likely to be the same or less than the rent I have been faithfully paying on time I have been told that it's impossible for me to get a home loan at this time. |
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AlternaGay
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Your best bet would be to try for a Hard Money or Equity Loan. But to do this you would have to find a property that is in default and has a cLTV (combined loan to value) of 70% or less - in other words, your Loan Amount would have to be 70% or less what the house appraises at. Even then your payments are going to be high as Hard Money comes with a higher Rate (usually 10 - 15% depending on the lender). Make sure it's financially feasible to do so before you buy the house. If you can't afford it, don't buy it. Period.
As far as the person that posted about the 80/20 Loan - these crap loans are exactly why so many people are in default and foreclosure. That is a 100% cLTV loan and is a very bad move to make in today's market. What that means is that you are taking a loan out for exactly what the house is worth. If the market continues to drop, you end up owing more on the house than you could sell it for. They are usually 5 year fixed loans, and after the loan matures (after 5 years) it goes adjustable and the payments go through the roof. Several of my clients are loosing their houses for this exact reason.
As a result, 80/20s are hard to find these days. Most lenders are requiring a credit score of 700 or higher to get them and even then it's iffy. Only 2 banks of the 457 banks I represent still offer this program. The highest the rest are going is a 80/10 or 80/15 and again that's with a 700 FICO (credit score). |
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Gary H
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Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.
Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.
You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:
http://www.axalda.info/bad-credit-mortgage.html |
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planetjackey k
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There are hundreds if not thousands of websites on the internet enumerating the ways to apply and receive home loan when you are plagued with bad credit issues. These sites help consumers with bad credit scores to increase the viability of their existing credit scores and set up loans regardless of their credit history.Companies that specialize in bad credit home loans; usually offer a wide range of options for consumers with bad credit<!--These options include Bad Credit Home Loans, Home Equity and Line of Credit (HELOC) Loans and different options for Mortgage Refinancing, making it possible for those with bad credit to realize the dream of owning their own home.You can find Home Loans here,
http://badcredits.awardspace.com/homeloans.htm
They also offer a debt consolidation offer which helps the home owner organize a comprehensive program for controlling their spending. Many consumers with bad credit are grateful for the opportunity to receive a second chance, sort to speak-->Bad credit hasn't stopped them from purchasing a home. There are several programs available for people with bad credit that helps to restore their credit status and to live debt free lives. |
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