 We are in the process of buying a house and we recieved the documents this morning? |
| with all ther fatcs and figures etc. On the fees section its saying we have to pay £1,995 administration fees!! we were under the impression that we didnt have to pay this? are we wrong? does ... |
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 House Rent Question just got a letter from landlord...? |
this is what it says:
After much consideration the best alternative we can offer is to extend the vacate time to may 31st 2007 with a fee of 2,000 to compensate for time lost.We need to move ... |
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 6 days late on rent, can i get evicted? |
| OK so im 6 days late on rent, ive lived in teh building for almost 3 years and i have never been this late, i have been1-2 days late before but i have always communicated with my manager, I have ... |
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 Can a landlord enter an apartment twice a year for inspections? |
| I'm getting a new apartment and they said they enter the apartment twice a year to make sure everything is working properly. I think twice a year is a little excessive. Are there any laws about ... |
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 How much can a lanlord be sued for? |
| i had signed a lease for an apartment at a complex on my college campus.....I was supposed to move in during august but the building wasnt completed that time and we were told it would take a couple ... |
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 How much house can I afford? |
| After my condo sells I would have $80,000 to put down. I earn $48,000 per year . Many years on job. Credit score of 780. No car loans out .I pay off my credit card monthly. How much home would I ... |
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 I rent and the owner of the house has lost the home to foreclosure.? |
| I rent and the owner of the home I rent has lost the house to foreclosure I am being told that I have 30 days to vacate. Does anyone know what I can do to have more time?... |
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 Should I offer more than the asking price when buying a house? |
I had an agent tell me that I should offer more than the asking price. I don't really understand why. She said that would actually help me. Any real estate professionals who can answer this?
<... |
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 Is it a good idea to hire a Realtor to sell my home for a 3.5% commission? |
I live in Southern California and I'm planning to put my house for sale soon. I saw this add in front of a house that's for sale in my neighborhood.
HOME SELLERS
Don&... |
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 .how can i sell my neibors house? |
| ya like when he's on vacation how can i sell all his stuff and just move him ... |
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 Is it a sign of wealth to have a vacation home down the shore? even if it's small? |
I recently inherited a bit of money with my older brother, we're 23 and 26, we used the money to buy a small, one bedroom condo down the jersey shore for about 300k.
ever since ... |
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 Has my girlfriend a claim on my house? |
| my Girlfriend has been living with me in my house for 5 years. The relationship is all but dead. She has her own house which she rents out, and the rent she recieves pays her mortgage with about £12... |
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 My cousin rents a house and? |
| He doesn't have any heat in his house. He doesn't have any kind of heat. He lives there with his 4 kids. I give him a free space heather, when he came over for Thanksgiving break. Does ... |
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 What is equity? |
| Is something where you are paying the mortage and the money you are paying in interests? VERY Confused!... |
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| Can I really hurt my credit? |
| I moved in to an apartment and signed a 1 yr contract, and now I want to move out but there is still abt 8 months left on the contract. If I just leave and notify the management that I left can it ... |
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 Do You Think The Multiple Listing Service should be REQUIRED to Let Anyone List Their Home? |
| If they pay a reasonable fee? Otherwise the MLS is just a price-fixing anti-trust setup. It's time for a change to the Real Estate Scam!... |
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 What does it mean when land can't be perked? |
| Myself and my husband was going to buy land but the ower said it could'nt be perked,what does that mean? ... |
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 I want to sell my house.? |
| I want to sell my house that I bought with a friend 6 years ago. He claims he can't or won't sell. We both pay equal amounts on the mortgage (under his name) and both names are on the deed ... |
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rmadlion25 | I don't have good credit and i need to buy a house.what can i do? |
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kylekd4
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Dont waste your time applying to local banks they will only deny you and waste your time; go to a good mortgage broker and he will show you your options with several different lenders. Also ask them to give you a copy of your credit report and show you what would be the most cost effective way to improve it. |
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Michael Z
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There are many mortgage company who specialize in working with consumers with no credit history or bad credit. Do some research and talk to a few mortgage professionals in your area. You need to get a clear picture of where you stand and what steps you need to take to achieve your goal of home ownership. As a credit repair specialist, there are few people who cannot get where they need to go in terms of financial goals. It is usually just a matter of taking the necessary steps and time.
Please ignore the answer from this individual. they are simply bringing your hopes up.
the simple fact of the matter is, you cannot get a houseloan with bad credit. end of story. take it from someone with a FICO mid of 530 and several collections, as well as an income/Debt ratio of 102%. this is the definition of bad credit. i have been conducting an experiment where i have contacted about 10 or 15 lenders(both local and nationally, starting with my bank)concerning a purchase loan. i have specifically targeted companies who say they can help with "less than perfect" to "bad" credit. they have made a platform to which anyone can step on board and get that dream house. that platform does not exist, no matter what they tell you. it simply does not exist. out of the 10 or 15 companies i talked to(and 1/2 of them did not even call back) they could not approve me, even if i had 20% to put down on a house. Fannie Mae does not even help in this situation.
the best way to get a house if you have bad credit is to clean up your credit and wait at least a year, then go through your bank for a mortgage. this is the only way to get that dream house. DO NOT BE FOOLED~ for the record, the places i have tried are: ditech,ameriquest,crossover,american south,quicken,lendingtree(which did not even process my request)and my local bank.i have also tried exclusive "online bad credit mortgage" places and they did not even get back to me.
SO, please do not waste your time listening to anyone who tells you that you can get a house with bad credit. they are lying to you. remember: heal your credit(pay off collections, reduce your debt) and wait for at least a year, then try for it. good luck |
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matzael
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Depends on your time frame and your resources. The best solution is to fix your credit and come up with a large downpayment. I don't really have enough information to tell you anything else. |
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Jeff
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"need"???
If you don't have good credit, you're not getting the house. End of story. |
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2Beagles
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In today's market, it's going to be tough. Even if you do have good credit, the lenders are going to be picky. We recently bought our house and they were questioning my husband's military retirement pay!! The best thing you can do now is work on improving your credit score by paying your bills on time and tear up all of your credit cards. Don't close any accounts. Look for a lease/option. When the housing market improves (hopefully by the end of next year) start applying for loans. |
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Rita A
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What is your time frame? Do you have a down payment? Even if you can qualify for a loan, the interest rate will be higher than if you had excellent credit.
If your plan is to buy a house in the future, start working on your credit now. Do not open new accounts, never max out any of your cards. Keep your oldest accounts open, preferably with a $0 balance. This shows a longer credit history. Make a budget and stick to it. Pay down the highest interest cards or loans first. I'm sure you've heard all this before. Good luck. |
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Marysue
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Talk to several loan officers. They can either find a program to work with your current situation or advise you on what you need to do to clean up your credit so you can be financed later. |
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Jay P
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You don't NEED to buy a house. What you do need is a place to live. |
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cinnamonstixx34
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I was told, that Lenders at least like to see a score of 630 before they will even consider your request.
Please be very cautious, as those who do not have "perfect credit" often fall victim to predatory Lenders out of desperation to own a home. Visit HUD's website. There is an abundance of valuable information there for those desirous of Homeownership. It also provides the listing of FREE credit counseling organizations, and programs that will assist you once you've raised your credit score. The three major credit reporting agencies, TransUnion, Equifax, and Experian also give advise on how you may raise you credit score.
Likewise, be mindful of the "RENT TO OWN" option(s) available. One missed payment..... there goes that investment |
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Fred F
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Try FHA or other government lending sources.
Be very careful of what you are signing.
Be prepared to pay a lot higher interest rate and a larger down payment.
Get you credit in order |
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