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 Is it possible to refinance your mortgage or get a home equity loan if you have been in your house for 6 month

Additional Details
I want to see if I can lower my monthly payments....


 WHEN YOU ARE A RENTER AND GIVE YOUR NOTICE AND MOVE, WHEN YOU GET YOUR SECURITY DEPOSIT BACK...?
ARE YOU ENTITLED TO INTEREST? I'VE HEARD THIS FROM MANY PEOPLE, I WAS AT MY OLD PLACE FOR A LITTLE OVER THREE YRS AND AM MEETING W/ THE LANDLORD SATURDAY TO GET MY DEPOSIT BACK. I LIVE IN PA.
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 Can my landlord forcefully tell me that a plumber will be coming and nobody is home? dont i have my own ri?
ghts of renting the damn place? I have valuable belongings and i dont want anyone in their when i am gone.
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 Whats worse.. paying Countrywide for 30 years or foreclosing?
i bought my house for 350 K in 2006 and its only worth 250K and the mortgage will adjust next year and go up . im paying 2400 a month plus 500 a month thanks to the broward county property taxes. ...


 Is there a way to get a loan for 600k?
I want to purchase a home without a co-signer on me and my wife. But our scores are small in the 560-600 is there a way to get a 600,000.00 loan without getting pounded with a high rise interest rate....


 I need a real estate agents help!!!!?
hello
i want to start approching real estate agents about doing there loans with them. I have other things to offer but if your a real estate agent i need help. I know they get hasseled by A.E. ...


 Does a landlord have to supply working heat?
I live in calif the house I rent has no working heat it gets very cold her does the landlord have to supply working heat & can he raise my rent to fix it he says he cant afford it....


 I am currently 19 years old, and when I am 27 I will buy my very own house. Could I afford it? Please read.?
Hi guys, my name is Sam, and I am currently 19 years old. I am currently working on my AOS in Information Systems Technology, which is a 1 year and 10 month long program. Once i complete that I am ...


 Can I charge late rent payment fee - 20% of rent - as well as bad check fee?
Tenant gave me two checks - both on time - then about a month later, I was advised that both checks were returned. Tenant cleared up bad checks with cash. I then asked him to move (also almost ...


 Are housing records public?
I'm looking for a the name on the deed to a house. The telephone number and address is unlisted on white pages etc. I know the address and the land line phone number. However i want to find out ...


 Being watched?
I am renting an apartment, and have been for over a year. Recently, I have been having alot of problems with them. They come into my apartment without leaving a note (they are supposed too) I have ...


 Does anyone know how i can find out whether a house belongs to the council/housing association or is private?
Is there anyway i can find out whether a house is privately owned or if it's a council house or a housing association property?
Additional Details
The thing is we're waiting to ...


 My credit score is 420. What kind of interest rate can I hope for on a 40k mortgage?
I'm calculating my approximate costs and could use a better idea of the interest.
Additional Details
"420 Sucks" I know. Thanks for pointing that out

Geez, you&#...


 How to Draft a Lease for Your Rental Property?
what are the basic and important points to be mentioned or is there any standard format which has to be ...


 I am thinking about renting a house that has been foreclosed, am i taking over the mortgage payments?
Will I have to go through a bank, am I making payments to purchase the house or still just renting? Can I be kicked out anytime if the owner's can start making payments? Does the bank own the ...


 How long should I wait to refinance my home? We bought it 2 years ago.?
I pay extra principle each month on it and would like to refinance enough to pay off my vehicle and to do some remodeling on my home, painting, etc. I would appreciate all insight. Thanks!!...


 Can a home lender come after you after they've foreclosed on your house?
My current home is at the beginning stages of foreclosure, and I know I can't bring it current. If I retire after the home has been foreclosed and I use my annuity to purchase a new home, ...


 After 2 and a half years in a rented property, am I required to repaint the whole house?
After 2 and a half years of living in a property, my letting agent has suggested the difference in my deposit paid and my return deposit is due to a deduction for repainting the house before the new ...


 Should I sell my home read on ( real estate )?
Hi I bought my home condo near the water in NY 6 years ago. It went up like 100 percent in value. I am getting scared of everyone saying the real estate bubble is going to make homes so low soon. I...


 Realators didn't give us info, now we could be out thousands!!?
Ok, so I asked before about my parents housing situation. My parents put down a fairly large good faith deposit while were waiting for the rest of the deposit. Anyway, it was refundable for like 20 ...



betterfly77
I am looking to buy a home. I just recently filed bankrp. I am a mother of three kids and my budget is small
What programs are out there to help a mother of 3. We are living in a small apt at the moment and we need something bigger. I hear about all these programs out there but, its all confusing to me. I need HELP!!!!
                     
 




Mrs Apple
Rating
With your credit history and income, you might as well just rent a bigger apartment instead of buying a home. I doubt anyone will sell a house to you if you've filed for bankrupcy. How do you plan to pay for mortgage and food for your family?


mazziatplay
Rating
Unfortunately, investor guidelines specify that you will not be eligible for a mortgage loan until your bankruptcy has been closed for 4 years. Even FHA requires a time frame of 1 year since closure.

With the implosion of the sub prime market you may be unable to secure financing until such time as the required amount of time has passed and you have reestablished flawless new credit.


bic
it's called getting a job, paying your bills then establishing credit. now that you filed for bankruptcy you'll have a hard time.


Rick B
I don't think a program is going to help you. Subprime mortgages are pretty much impossible to get right now.

You will have to work your credit back up to a reasonable level and have a strong down payment.


julie d
If you have just been made bankrupy you will not be able to get a mortgage to buy a home.


gracy s
Rating
check this link its good


http://workathomeandearnmoney.blogspot.com/


.


razor_sharp_redhead
Rating
http://www.fanniemae.com/index.jhtml


jennifer74781
Rating
You should be happy with your small apartment.

I'm a single mother of 2: lived in a small, 2 bedroom home. I gave the kids the rooms, of course. And I made the best out of it. We have since moved to a better & larger house. But, my son loved our old house. He never even thought of it being small - he just knew it was home.

Make the best of it. The fact that you filed bankruptcy is not going to allow you to buy a home. And it shows that you need to cut your expenses, so why are you looking for something bigger??


mom2thaddeus
Unlike the rude answers from several of the previous posters. It is possible to get a home after filing for bankruptcy, and it won't take several years (a co-worker of my husbands filled for bankruptcy and within 1 year he bought a home). All you have to do is make sure you keep up with your current bills, save up some money (I know it's hard), and start looking.

You can look into renting a bigger apartment, or even a house. You will find that renting a house from a person is easier than trying to get money from a lender.


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