 Can anyone help me ? |
Hi i was thinking of renting a house but the thing is they are really expensive, How do people afford to live in a rented house these days and have money left for bills.
The thing is I dont ... |
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 I am a Realtor and have been feeling very fatigued and unmotivated as of lately, it seems like I am following? |
| a viscious cycle of closing 1-3 transactions and falling back on the reserves and only working hard when I begin to have a 3 moth supply of income, what is wrong with me and what can I do to always ... |
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 Ghost/ in my house? |
| Where can I go to check out the history of the house and the former tenants. From what my wife says the former owners, a husband and wife. the husband died in the house. Now even our guest claim to ... |
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 My grandmother wants to purchase a home and use my income along with hers. Need Advise? |
| My grandmother would like to purchase a home and use my income along with hers. She has a good credit score but income needs a boost. Will the mortage loan also go on my credit report?... |
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 When will the low paid english person be able to buy affordable housing in uk with a standard mortgage? |
| I am an englishman, but low paid, the housing in the UK is so highly priced now that the common man can now no longer afford to "get on the ladder". I work hard and many companies are owned ... |
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| Is it true that recently built houses are not as good as old houses? |
| I read somewhere that those properties built from 1990s onwards are not as sound and good as older ones. Is it true or is it a myth? How can a new house be inferior to a Victorian house?... |
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 Should we take a lodger in because we are really broke? |
We could go into arrears if we don't do something.
This was my wife's idea ,as when she quit her job
last year to go abroad for an operation and extended
holiday with ... |
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 Can you give me your honest opinion? |
Our house is for sale - can you tell me what you think - is it worth the price - do you like it - changed needed?
Thanks so much!
http://www.realtracs.com... |
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 Renter's insurance. are these really needed? |
| never used them, but is considering of using them one day. how much do they cost on average per month?... |
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 Will i be responble? |
| I LIVED WITH SOMEONE WHERE WE WAS SHARING THE APARTMENT BUT HE WAS THER LEASE HOLDER I WAS JUST LIVING WITH HIM HE MOVED OUT ABONDONED THE LEASE THE LANDLORD SAID I PAID NOV. RENT I DIDN'T PAY... |
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 I paid rent and got a reciept but he says check bounced and now what? |
| I paid rent on saturday october 4th. Mailed a check. I got a receipt on October 18th. Thats 2 weeks after. I got a phone call today, October 21st, saying that the rent check bounced. So now what??? I... |
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| My landlord wont renew my tenancy agreement what should i do? |
Additional Details
he said that once he had renewed it two times that he dont need to do it any more but i dont know if that is true or ... |
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catchernkeeper | I'm shopping for a mortgage!! I want to use lending tree or one of the online comparison sites ...? |
This is my 1st time buying a house. I want to make an informed decision, and obviously I want a great rate! How can I do this without affecting/lowering my FICO score because of all of the companies checking my credit? I have excellent credit, but I don't want to just accept the 1st mortgage offer from my local bank. I know there are lower rates out there, but I'm afraid to use the online sites. Do they work well? Is it something you recommend? So far, I'm not impressed with the mortgage rates I'm being quoted. I've checked with 2 local banks. I want a fixed rate (terrified of ARMS because of all of the foreclosures I'm hearing about...) so if you have a recommendation, please let me know. Are there any rates under 6% these days for a 30-year fixed? If so, where do I find them? |
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pinkluxe
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Please don't use one of those online sites. There are so many lenders taking advantage of people right now that it's scary. You will get a better deal going through a mortgage broker directly anyway. They have many different lenders that they work with to get you the best rate possible. Just make sure you don't have your credit pulled more than 3 times, otherwise it will start harming your credit. The good thing about mortgage brokers is that when they put your application up for 'bid' so to speak, all the lenders competing for your loan do not each pull your credit. So try to get some recommendations for a mortgage broker in your area. |
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bob shark
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You sound pretty intelligent except for the part of wanting to deal on line for a mortgage.
First..Fixed rate mortgage for 30 years, If you had money, would you tie it up for a fixed rate for 30 years?, What if inflation got bad in that time and eroded the value of your money? Long terms interest rates reflect the uncertainty of the future, So don't expect cheap rates for that time frame.
Stick with a Bank you trust, or a mortgage broker that you can talk to at his office and find out about all the fees you will be resposible for and have contact with the Better Business Bureau to see if they are a problem lender
Don't deal with any company that you haven't been in their office talking face to face before you decide...Low rates can be as deceptive as their storey and as dangerous as ARM loans. |
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frankie77
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You need to talk to a large, reputable bank. NOT a online bank, NOT an out of town broker. Wherever you are, I am sure that you have a Wells Fargo near you. They are the first people that I would recommend. Everyone has the same rates and the same programs. All fixed rate mortgages are going to be based on the 10 year treasury bond.
So many factors to consider besides rate. I would make sure to get a FIXED rate. I don't care what anyone says. If rates go down, you can always refinance to a lower FIXED rate. If rates go up, you are protected.
Other factors, what do you actually qualify for? Who cares if ABC Bank has 6% if they won't give it to you. How much are they charging you to get that rate? Origination? Discount points? Processing fee, application fees, other inflated fees??
I will give you 5.5%, if you are willing to pay for it!! I will give you 7% for free! It's easy math. Think about how long you will be in your home and how large your payments and balance are. half of one percent on a $80,000 mortgage is not much monthly, but on a $300,000 mortgage, it is significant. If plan to stay in this house forever, lower rate is better. If you will sell in like 3 years, lower fees might make more sense. Ask your realtor to suggest somone local! It is much easier to get good service when you can look someone in the eye. I can do your loan in any of the 50 states. I would rather help you find someone local in your area.
hollyandtrevorparker.com
wellsfargo.com click on mortgage and you can search for soemone local. I have friends all over the country if you would like a referral. Good luck! |
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Boston George
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do not log onto lending tree i have heard of homeowners credit ran over 10 time in one day by submitting there info online. I would check out your banks offer. Then get maybe two other quotes. I have a broker that I used to purchase my home he beat my local banks offer with very litttle down there are alot of purchase loans programs through Fannie mae that you could qualify for. |
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Mortgage Expert
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Hello, don't be afraid to use a comparison site to get up to 5 mortgage quotes to compare. Most of them do not require a social security number so your credit will not be pulled. Lending Tree does however require a social and does pull your credit, so I would go with one that does not such as www.real-mortgage-quotes.com or www.onlinemortgagequotes.us
As far as your 30 year fixed rate request, rates are hovering right around 5.875 to 6.125 so you should be able to obtain this. Make sure you also compare closing costs for each lender and ask if there is a prepayment penalty. You should be able to get accurate quotes without having to have your credit pulled. When you find the lender that has the best terms, then have them pull credit and apply. Most importantly, you will need to lock in the rate that was quoted. Make sure you get that in writing within 24 hours of application. Hope I could help. |
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DRE
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That's way too much for this board.....you need a no strings attached long conversation with a professional, not folks who are necessarily looking for your business...email me if you like. I am an out of state RE agent and Loan Officer it would be my pleasure to help you
Galiber_re@hotmail.com |
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