 Splitting rent 3 br 3 roommates? |
| Need a good idea for splitting rent fairly between myself and my two roommates. There are 3 brs, but 2 of them are almost equal, so the price should be similar, with one being just a tad higher. So ... |
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 How exactly DO you find an apartment? |
| A friend of mine, and I are looking to rent a two bedroom apartment together. (which is good as we are both basically homeless; I'm crashing on friend's floors, and she is bouncing between ... |
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 If a home is foreclosed on, is the homeowner liable for any repayment of the loan? |
| If they receive less than what is owed, could the owner be sued for the difference?... |
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 Where can you buy a decent detached house under £250,000 and still live max 1 hour away from London? |
| We want to buy property outside of London, but want to be able to commute in for work. Where can I find a decent detached house in a good area and close to ammenities and be no more than an hour ... |
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 Can my landlord tell me that I can not have quest sleep over or have children in the house? |
| I am renting a 2 bedroom unit out of a residential home. My unit is attached to the home with my own separate entrace, with my own restroom and kitchen. I do not have guests over on a regular basis.i ... |
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 Is the real estate boom over? |
| how long should I wait to buy a house? next year, or the year after that?... |
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 IM being evicted for a pet,how much time do i have ? |
| Ididnt pay the rent for june,i m moving to new place july 7th, will they evict us by then, im on a monthly contract, and a depositi s in place, ive run out of money and am worried..will the court ... |
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 How can I prevent problems due to the buyer of our property having 100% mortgage and therefore no deposit? |
| The person buying our house has a 100% mortgage. Due to this there is a risk of them backing out at the last minute due to them not having given any deposit. What solutions are there to this issue. I&... |
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 Got an offer within 2 weeks of house on the market - take it or hold out for better? |
I know, it's such a gamble! What would you do, take the offer that's slightly lower than what you wanted, or wait for more offers?
Additional Details
Update - We countered, and ... |
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 What's a fair way to split the rent amongst roomates? |
I live with 4 other roomates in a 5 bedroom house. What's a fair way to split the rent? We've taken bathroom, closet space, and square footage into consideration.
There are ... |
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| Would you rent an apartment (or house) in Argentina for a vacation? |
| Or if not Argentina, where else would you consider renting? I just want to see how many people would be interested in this type of thing.... |
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 Apartment problems? |
| i rented an apartment with my b/f i signed a one year contact which is up in oct 20 2007 i cant stand to be with him ne longer..so if i abonden my contract what consequenses will i have?..... |
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 Renting v Buying? |
A question for home owners or renters!!
At the end of the year I will be moving out from my parents (for the 2nd time) since this time I can now afford it.
However, I am unsure ... |
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 Empty apartment and these? |
| hi. i'm in small apartment building. there is a apartment next to me and it is empty. now the manager is trying to clean it but leaves the door open!!!! now these strange teens, men, hookers, ... |
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 My roommate got a $400 credit on our rent because he resigned for another year, should I get any part of that? |
| OK, so the backstory here is that my roommate lived alone for a year in our current apartment before I moved in. He then was offered a $400 resigning bonus to sign another year on the lease. When ... |
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We Love MinPins | How do I go about getting a loan to purchase a home? |
I have found a home that I want to purchase, nothing new but it has potential, the price is 75,000...what qualifies a peron for a loan to purchase a home???I am 23, My credit is @600 and I have a small business, does that help me??? |
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mphsblue
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All you really need to do is see a mortgage agent and apply. But keep this in mind - with a house, a car, anything - from here on out, the idea isn't just to get financed. The idea is to get financed at the best available rate. You would be shocked if you saw the difference one percentage point makes on a 30-year loan. So try to get your score up as high as possible.
Some tips:
If you have credit cards, get all the balances below 30% of limit
If you only have one or two revolving accounts, get another. 3 is just fine.
Get a copy of your credit report to check for inaccuracies. 79% of all credit reports have mistakes on them - 1 in 4 contain serious errors that could result in you being denied credit. Dispute anything inaccurate by contacting the credit bureaus - Experian, Equifax, and Trans-Union.
Best of luck to you! |
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Natural Medicine Man
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There are many places to receive a home loan today. The first place I would go is the bank your business uses. They should know your ability to repay the loan.
If possible inform the bank that they can debit your account for the monthly payments. If they do not wish to do this move to a bank that will. Your credit could use a bit of transfusion but repaying the loan, on time, will increase it automatic. |
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Ansariteaway
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Well you have to have all your financial records to backup your income that you report to the financial institution also the tax returns for the last 3 years.
Your going to need your bank statements, also explainations in writing for any derogatory credit marks. You can apply through almost any bank. www.capitalone.com click on home loans....they seem to be fairly easy to be approved through. They have:
Our loan consultants can help you pick the right mortgage for your dream home
No-money-down options
No origination fee
Loan amounts up to $2 million
Fixed or adjustable rate loans
Loans close fast with our
No Hassle loan process
(888) 497-6278 to speak with a rep regarding this process. I would let them know right away what city and state the home is in that your thinking of purchasing.. they may not lend there.
All the best... |
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michellegaudet
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OK- here goes, a few factors to consider.. one your credit score... did you pull it yourself via a consumer pulling agency (meaning did you check it online) or did an official financial institue pull it or lender like a bank (when purchasing a car etc) Reason I ask is your score can vary considerably when a financial insitute (like lender/mortgage broker) pulls it then when you pull it yourself. The consumer agencys dont use the same models for factoring credit score. With that said... the next thing to consider is something us mortgage brokers call LTV (loan to value...) meaning how much money you have to put down compared to the appraised value of the house. Or if you dont have money will you be looking for 100% financing.
Then.. how long have you been a business owner... do you receive a w2 from anywhere or 1099. Do you have a CPA that will state on letterhead that you have been a business owner for a period of time... is your business liscensed in your state... these are all factors the lender will consider. It is a relatively easy process with a good mortgage broker... the first thing you need to do is get organized! Gather all of your bank statements, w2, or 1099 (last 2 years), paystubs for 3 months so you can be prepared.. your credit union/bank or mortgage broker will need these to determine the best program for you. Then if you are working with a realtor as to see the comprables of the neighborhood you wish to purchase in... that way you can see if your property will appraise. A bank will not lend without an appraisal. Where I live appraisals are typically about $300. but before you spend that you can ask your realtor to see what is reffered to as comps. Hope this helps! Best of luck to you, and by the way... if you are a first time home buyer the governmernt also offers loan programs you can look into... |
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Ralfcoder
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Go to your bank, credit union, or to a mortgage broker, and talk to them about qualifying for a mortgage.
Talk to several realtors also about representing you to buy the home. Ask the realtor if they will act as buyer's agent. This is important, since in my area at least, realtors are REQUIRED BY LAW to represent the seller unless they sign a buyer's agency agreement. That's like having your surgeon acting in your insurance company's best interest, not yours. Select an experienced realtor from one of the larger, more successful firms in your area - this doesn't guarantee you that they'll do a great job, but it does increase the odds of it.
Be sure to hire a home inspector to look at the house from top to bottom, and be sure that if/when you write an offer on the house, you write in contingencies that take you off the hook if you don't get a mortgage, if the inspection finds faults with the house that you don't like, etc. |
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FORGET_FORECLOSURE_FIGHT_BACK
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so far so good however there are still a few unanswered questions that will determine if you can qualify using your business income. There are other avenues to take as well, but my answer would be to sit down with a mortgage professional with over 50 yrs experience so he can explain in detail your options. I 'd like to speak to you personally and a over the phone interview would be just fine. If you want to take my advise and then shop around I encourage you to do so however you will be back to close the deal with my company. Being a national lender using our own money to fund loans has its advantages to buyers like yourself. I look forward in hearing from you. |
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Diane M
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The best way to get a loan is to find a few local mortgage companies to give you some information. You will want to compare not just rates, but fees as well. Your credit score might give you some trouble but there are loans out there for you. Beware of expensive subprime loans. Mortgage companies are in the press right now for predatory lending (basically charging ridiculous fees (mostly this applies to lower credit score loans). You also mention that you have a small business...is this your only income and if so do you have a 2 year history. This is an important factor in determining you qualifying income. Quick mortgage answers aren't usually available for the self employed, you're best bet is to talk to a few people. Your Realtor or friends/family who have purchased are excellent resources to direct you to a mortgage company. |
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