 How does one usually pay the deposit to a landlord? |
| Cash? Bank transfer? I'm asking because it would influence how I manage my finances, and it would be nice to know how the payment is usually done so that I could be on the lookout for unusual ... |
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 Is it just me or is craigslist down? |
| I just tried to get on craigslist and I can't get on. Is down right now?... |
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 Can I sue the realtor or landlady for not returning my deposit of 1,450 after I was not accepted in the buildi |
| I live in Miami Beach, I applied to rent a place which took 200 dollar non refundable for credit and criminal background check, and the realtor took 1,450 as a deposit, he said if you don't get ... |
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 Can landlords stop you from moving out before the end of your tenancy? |
| I've been wanting to move out my flat but my landlord says i can't until the end of the tenancy and if i do, i still have to pay the rent until he finds someone to move in. This can't ... |
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 If you get a writ of attachment from an apartment complex that says I have 24 hours to get out? |
| Will they enforce it, even if it falls on a weekend?? I live in Houston, texas, I should have went to the court session for the eviction but I didnt.... |
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 Whats the best way to address your landlord (property management) when your rent check bounces? |
| I've lived at my place for 8yrs as of May and Ive only bounced one check with them back in 02. But the story is I payed rent in March, then in April, but when I went to pay my taxes I saw that ... |
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 Can my landlord do this???? |
| We have been living in our home for 8mths. We have always paid our rent 2 to 3 days before it was due. We have only been late one time, and that was 2 months ago. We paid it on the 3rd of the ... |
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 Is it better to pay off debt or have more cash? |
| My sister-in-law is planning to apply for FHA loan soon. Is it better for her to pay more of her debts with the cash she has or save it in the bank? Her credit score is already low 700's. I was ... |
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 Does the landlord need to give 24hr notice before entering the property I rent? |
| my landlord and his partner keep just turning up- with potential tenants to show them my room, but they just use their key- dont knock or give notice, i thought it was 24hr they had to let you know, ... |
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 Should an estate agent represent both buyer and seller? |
| Having sold my property with a local estate agent I then find that the same agents solicitors are representing the buyer.What is the correct protocol concerning this as there is surely a conflict of ... |
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 Why does rent cost so much? |
Why is the cheapest place I can find $600 a month?
... |
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 Whats the best way to get on the property ladder as a first time buyer? |
| I really want to get a property but i'm not sure what to do? Is it best to do it alone and get 100% mortgage or should you try to do a joint ownership with someone but risk them wanting to sell ... |
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 What are the extra expenses you have to pay when you buy a home compared to renting? |
| Looking to buy a home! Need help! I'm pretty clueless on the whole home buying thing! I've been renting for 3 years now probably...... |
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 My fiance and I are buying a house that the previous tenant commited suicide in.? |
| My fiance and I found a house that is everything we have been asking our realtor for. Only it has a bit of a history. The young guy that owned the house committed suicide after his parents confronted ... |
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 I,ve inherited my grandmothers house can I get a mortgage or loan on it to redevelop it.? |
| My grandmother left her house to my brother and myself.We would like to redevelop it and maybe rent it out for a couple of years.We think that it's going to cost around £40,000 so need to ... |
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 Would you take legal action against a family member? |
| My Father passed away several years ago, leaving property in another state (texas). This property belonged to his parents and was granted to all of the heirs, (my sister and I) after my Fathers ... |
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 My Boyfriend doesn't pay for anything? |
| I live with my boyfriend. I pay $750 for rent each month. It's his house so he pays the rest of his mortgage which is $2100. My price is supposed to include utilities but he is making me pay ... |
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Elo U | I do not have enough money for a deposit to buy a home. How do i put together a deposit? |
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. S
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The more you put down, the less you have to pay in interest rates because youre not borrowing as much from the bank. You can also use moe to BUY points. Say if the rate is 7.5 and thats too much for you, you can BUY a point and get it down to 6.5, which is what I did. My situation was a bit unusual though I put down 25 grand on a 110 grand home. Have you concidered having a COsigner for the loan? such as a parent or close friend? Or maybe Ive misunderstood your question, do you mean that youre looking at a particular home thats on the market and y oure afraid that someone else will come in and snatch it up? How much are they asking for, I think I only had to put down $1000 to hold it. It was awhile back.....IF you dont have enough for a deposit, how do you plan on making monthly mortgage payments, elec, etc? |
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waggy_33
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Save in an ira or employers 401k plan. Don't go more than 80 % mortgage unless you want to pay mortgage insurance forever |
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gtofinancial.tomvoli
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Maybe you should consider 100% financing. If you have a decent score there are many options available. Yes...the more you put down the lower your payment is....but there is still an option without a down payment.
I write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful. |
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justme
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marry somebody and get them to help you out |
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tiayanamendoza
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The deposit is separate from the loans and down payment. You will have to get the deposit yourself. It is called "good faith" and lets them know that you are serious about continuing the transaction. Most lenders like to see that you saved the deposit yourself. So borrow the money (get a small loan) and let the money sit in your account for a couple of months. They want to know that the money is "seasoned" or that it has been growing for some time. |
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Phoenix, Wise Guru
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Cut back on expenses and save every dime.
Sell whatever you can. |
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dajuan_n_only
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At justgetaloan.net we have been able to help many of our clients get placed in 100% financing loan programs at very low rates, even those with less than perfect credit. Feel free to log onto the site fill out a complete application for a fast, free, pre-approval for great loan programs with low rates and great service. For more assistance feel free to contacte me at 866 530 7300 ext 7305 of by emailat jfreeman@justgetaloan.net |
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HouseHunter
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It depends on how much house you're buying. And also it depends on how good your credit is. If your credit score is over 650 you can easily get a loan. Other lenders can offer you 100% financing if you have an excellent credit or at least 3% down payment. If you're a first time buyer just buy a least expensive house, that way your down payment and monthly payment will be lower, and you have a very good chance the bank will approve your loan. Once you build enough equity and of course paying your mortgage on time, you can upgrade to a decent house. Just shop around different lenders, don't apply loan to big banks like Bank of America, Countrywide, Wells Fargo, etc. Just apply to those mom and pops broker (usually you get from your mail) and you'll get a better chance to get your loan will be approved. Good luck to you. |
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sillkee1
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A lot of people buy before they are ready financially and land themselves in a difficult situation. More people than you could imagine are desperate to get out of their mortgages because they can't afford them--and there are fewer and fewer people buying houses at this time. Be smart about this. Plan ahead, don't give yourself a budget that you can't live up to--you'll end up going over budget easily if you do. If you don't have they money for a down payment on this house, how will you be able to afford mortgage payments, utilities, taxes and the possible repairs that could crop up? What if your car suddenly blows a head gasket or requires other costly repairs? If you become ill or injured and are unable to work, will you be able to manage?
I don't mean to be negative. I just hate to see people overextend themselves financially and experience all the stress and heartache that goes with it.
My advise? Start saving for a down payment and save some money for emergencies (car repair, health)--1-2 thousand just for emergencies.
I don't recommend a 100% mortgage. If you need this to buy a home, don't do it yet. You don't have enough money yet.
Good luck! |
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Wibble
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Ask family and friends to loan you the money until you can pay them back. Don;t go over your head and get a 100% mortgage. Many people are having to foreclose because they can't afford the mortgage payments. |
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cheekybluebed
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i got 100% mortgage but was quite hard to get try that or get a bank loan or do what most people have to do and save! |
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Cocoabutta98
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To to a first time home buyers program. Most programs provide first time home buyers with closing costs and financing. Closing costs funds are given to the program by the state. |
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PCL-R
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You might not need any money upfront to buy a house. Check with different banks/loan types to find on that works for you. However, without a down payment, you will probably have to pay for morgage insurance each month. |
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mystery_madam_99
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There are several ways to get a house. First of all, some sellers may actually help with the downpayment. If you really have no cash and need a house, try looking into USDA housing, VA loans, or some type of government program that actually helps people who can't afford a home and need one.
If you are desperate and have credit cards that you can get a cash advance from, put three or four of them together to use for a down payment. After you have the house, refinance to pay off the cards.
If you have a retirement fund, you may be able to borrow against your IRA for the down payment.
There is a program called Citizens for Affordable Housing and this program is great for people like you. You actually help pay the downpayment by working it off. Your labour = cash for down payment.
Habitant for Housing is another great program.
Good luck! |
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Phish
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If you really want to live dangerously, get an unsecured loan to pay the deposit. That way you will have a mortgage, and an unsecured loan to pay off.
Hell of a way to get a deposit though, and you will be living dangerously financially.
The normal route to a deposit is savings, but I think you realise that. |
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Katya-Zelen
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Well, if you don't have enough money for a deposit, then you won't have enough money to put together a deposit. You either have to wait until you've saved enough, take out one of the new 125% mortgages or (best idea i think), club together with friends to buy a house. |
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tracy
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get a 100% percent mortgage then you dont need a depist, try regency mortgage corporation |
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Jonathan
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-Save as much as you can every pay check.
-Get a 100% mortgage. (Rates are higher though.)
-Rent to buy. |
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