 My lease ends in October but landlord says I have to pay an extra month.? |
| My landlord is telling me I have to pay an extra month because I didn't give him a 30 day notice that I was moving out. But I did refuse to sign another lease months ago. Can he legally do this?... |
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 Negligent landlords rental house across the street from mine needs it's front lawn mowed badly.? |
| Long story short - I live in a new California community and the house across from mine is a rental property. The tenants were evicted and there have been no new people living there for weeks. The ... |
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 Ex girfreind wants money for leaving my home?? |
| my question is i own my home name is on everything, but my girl is moving out and she wants money for leaving, been together for 8 months in the home and she gives me a check for "rent" ... |
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 What would be the best possible Home Loan I could get buying a co-op? |
| I heard that you cant use the nothing down or 3% mortgages on a co-op purchase. Is this true I live in NY. WOuld I hav eto put down 10% no matter what. Also FYI Most one bedroom co-op go for atleast $... |
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 Can some one help me,with this i have live in my apartment for seven years? |
| i had a rental agreement from the old owner. but when thay sold this place the new owner never gave me one,it was sold in 99, and i never got aggessmet from the new one,i have ask from 2000 but never ... |
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 Should I pay rent? We live together and I clean? |
| My fiance and I live together and he wants me to give him $400 a month for rent. I told him that if I am going to give him money for rent then he can do his own cleaning, laundry, etc. He considers ... |
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 Changing Mortgage? |
| If I think my mortgage is much more that what the house is currently worth, how can I get my mortgage amount adjusted?... |
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 A real estate appraiser is coming to our house tomorrow - anything special I need to know? |
We are refinancing our house and an appraiser will be out in the morning. Besides cleaning, is there anything I should do to make our house look great?
Thanks!... |
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 Problems with our tenancy agreement? |
| My tenancy agreement states that i have 2 give 2 months notice before i leave. however, my landlord hasn't rectified the following problems that we have advised of: 4 heaters not working (hence ... |
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 I live in las vegas and with the market's turn the house that i'm buying that was worth 350 last year is now |
| appraised for 300! the appraiser just came last week and that's what he appraised it for. it will go back up again, right? here in vegas so many houses are in foreclosure and people and i'... |
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 Landlord issue? Heat issue? |
| When I moved into my apartment, I was told that we had no air conditioning and I wasn't allowed to have a window unit because the building couldnt handle the voltage. But my landlord told me it &... |
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 IS this legal? |
| My friend and his family moved into a house here in our small town in missouri,but maybe getting evicted because the landlord does not allow visitors of anykind,ever. No family,no friends, no nothing?... |
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 How can i get an estate agent to sell my house quicker ? |
| My house has been on the market for about 6 weeks , how can iget it to sell quicker , without selling it for nothing , we are emigrating so i need to get as much as possible for it but it seems not ... |
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| First time homebuying? |
| can anyone help me how do I know if I qualify for a home loan?... |
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 Can this old lady sell her house? |
| An old lady neighbour has gone into a care home. She wants to sell her house to pay for her 'rent' at the home when her savings eventually run out. She has appointed her niece (she has no ... |
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 My husband and I bought a house and we need to terminate our lease. our landlord is being a jerk! Help!? |
| I entered into a twelve month lease while my husband was deployed. Once he got home we decided that we wanted to buy a house. Therefore, at the beginning of August we found a house that we really ... |
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 Would $50,000 annually be enough to live in San Diego? |
...right on the beach?
Additional Details
I'm single. I would move there for the constant beach activities. I love partying. I would have a moderate car, like a Civic (stock).... |
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kush_smoka | How much would I have to put down on a house for mortgage company to ignore my credit? |
I have some blemishes on my credit score, last time I checked it was in the mid-high 500's. I'm looking at buying a house and I'm curious about how much I can put down on the house without the lender caring too much about my credit. I could realistically put down 20-30% and possibly a little more if I had to. I want to still get a smokin' apr. |
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Yanswersmonitorsarenazis
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If you put 20-30% down, find someone to run you through one of the automated underwriting engines.
If your scores are high 500's, and you put that much down (be sure to leave 4-6 months of your new mortgage payment in the bank for reserves), you'll likely get approved. Possibly even at A paper rates. Worst-case, maybe .5-1% higher rates, but it's still a good conventional 30 year fixed rate loan.
Anyone who tries to jam you into a 3 year subprime ARM, stay away from. If they don't know you'll likely qualify for a Fannie Mae loan, they're morons. |
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adammarturana
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Good luck. With all the bad loans out there going bad the banks are VERY tight with money. Typicaly with a GOOD rating you need to put 20% down on a morgage. With your rating my bet is these days it will be like 50% and the APR will be through the roof anyway. Now is the worste possible time for people with bad credit to get a loan. The banks are taking a beating from all the high risk loans they wrote in the last 6 or 7 years. Basicaly you picked a REALLY bad time to screw up your credit... |
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UFG
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It is impossible to ignore your credit history, right now is very hard to get approval from banks lot of them went to bankruptcy, losing a lot of money. My advice repair your credit, I think is very important to have a low interes rate, in order to have that, you need to clear whatever is holding your credit score low, after that with a good credit score & about 10-20% will be easy and better for you to get your house. |
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Dr. Deth
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20% down will definitely help, but you're still not going to get the best rate with that kind of credit score |
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f1scrilla
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Mid to high 500's with verifiable income and no 30 day lates on your rental history, you should be able to get a loan with 10% down, but the rate will be penalized. 20% down and you'll get a significantly better rate, but you may be better off using the money to fix your credit and taking the higher rate for now than refinancing in 12 months or so.
Credit is the lynchpin of risk determination, but automated underwriting with Fannie Mae would accept strong assets (6+ months of your monthly payment in the bank) + significant down payment (20%) + steady job history (2+ years) to compensate to where you'd get a solid 30 year fixed rate. |
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jake@home
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I think the best thing to do is concentrate on building your credit, with a credit score in the 750 to 780 range you will be able to get a new home with nothing down and low interest rates.. Best bet... |
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motherofthree
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Lenders are tightening their lending criteria due to the skyrocketing foreclosures. They aren't going to ignore your credit. They may however still be willing to give you a loan if there is adequate equity in the house to offset the risk of the loan. I would call at least 3 mortgage companies (instead of banks because they usually have more programs to fit more situations) to see who will give you the best deal.
Good luck. |
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regina
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If all else fells try a owner financing arrangement. |
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greffy
 |
that is an interesting question, for sure
first, it's probably not going to happen if your credit is bad because you went bankrupt or if you just didn't pay your bills at all or on time
If you had a medical situation that caused the bankruptcy, well, then you might find a kind lender if everything else is up to snuff.
But your credit record will never be ignored unless you deal with Guido down the street.
Check out: http://www.flatfeerealestateguide.com |
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