 Is it a law to tell someone if someone died in a home, if you want to buy it? |
If someone someone committed suicide or was murdered in a house that I want to buy, is it a law that I have to be informed of that?
Additional Details
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Phrozen | I am a first time buyer and i would like to have a 45 year mortgage loan, how do i go about doing that? |
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MortgageGuy
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I assume you are looking for a longer term for a lower monthly payment...I suggest looking at not only a 50 year option, but also looking at waht else is out there. There are programs out there that allow you to have multiple payment options on a monthly basis.
Basically you can choose between 3 payments, minimum, a interest only, and a full principal and interest payment. By having three options it gives you much more flexiblility, and gives you a very low OBLIGATED payment every month...A 50 year loan you will have a low payment, but only have 1 option on a monthly basis.
But, i would avise that you look at both options and see which works for your particular situation best. Obviously the more you know, the easier it is to make a decision of whether or not it makes sense for you!
My name is Jason Fry, and I am a loan officer with Providential Bancorp, a nationwide mortgage lender. I'd be happy to assist you in a refinance, or at least be able to let you know exactly what YOU QUALIFY FOR. You can then make a more informed, and educated decision whether it would be the right move for you.
Feel free to give me a call at 312-264-6448, or
you can email me at Jasonf@providential.com.
Thank You,
Jason Fry
Providential Bancorp |
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lendermark1
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There are actually 50 year loans available now. However, they might not save you as much as you think. Each situation is different and you should have a loan officer look at all the numbers for you to see if it is worth it.
http://www.lendermark.com/40_year_mortgage.htm
http://www.lendermark.com/50_year_loans.htm
http://www.lendermark.com/pros_and_cons_of_a_40_45_or_50_year_loan.htm |
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unclejesse1
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If you are looking in Wisconsin, Florida, Minnesota or Colorado. I can help you. We are a coorespondent lender and we can handle your situation. I do deal with First Franklin as well since someone mentioned it. E-mail if you want help and a soft sell. |
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Tammie B
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you need to contact a mortage company. some are run by banks, others by "companies". call your banker. keep in mind, the longer the loan, the more interest you will be paying. it also depends how much you can put down. we were a first time buyer,with Hancock bank mortgage (Mississippi). our credit was good enough that we didn't even have to put anything down. our loan is for 30 years. also...watch out for the hidden charges that some mortagage co's will surprise you with. |
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jonnylender
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As a first time home owner you will not be allowed a 45 year mortgage on your first mortgage. There are banks that do 50 year mortgages...but not for first timers. There are other loan programs that you can get that would give similar benefits as a longer term loan. |
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nelson_devon
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I don't think most banks offer a 45 year mortgage, but if you wanted to do that you would ask. |
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gsdubz
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The longest terms available are 40 and 50 year mortgages. The most reputable and well known lender to offer this is National City mortgage via their new division known as First Franklin. Check them out on the web. |
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leah_ifft@sbcglobal.net
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You will need to go through a mortgage broker to obtain a loan with a loan longer than the standard 30-year term.
I've written an article about loans with terms longer than 30 years. You can view it here: http://ohiomortgages.blogspot.com/2006/05/mortgages-beyond-30-years.html
There are also other loan products that may suit your needs, such as in "interest only" loan.
A good mortgage professional will explain your options to you and help you decide which one is best for your individual situation. |
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James H
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There is some useful advice here. |
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