 Need help please? |
| i got a note on my door the other day saying that my house is n default so it will sell on the 15 of jan. My landloard is telling me he saved the house but everyone ealse is saying that he didnt or ... |
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 Am I harrassing my renters if they moved out on the 25th? |
| And all thier stuff is mostly there, and I call to ask when they are getting it out? I tried to agree to stop court proceedings if they left this week. They said "we don't want you to do ... |
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 Im buying a house? please someone with experience answer my questions read further? |
| Im buying a house that cost 54,000 its not so much, but its in a bad neighborhood. The payments would be about 700-800 a month. Im planning on fixing it, cause it needs fixing, and then either ... |
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 A question about my lease .plz answer.? |
| I rented an apartment 1 month ago.the lease is for 6 month .what are the procedures to leave before this time and can i leave legaly in a way without paying the penalty.... |
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 Options for avoiding Private Mortgage Insurance (PMI)? |
| A couple of very attractive deals in the local housing market have prompted me & my wife to consider bumping up our timetable for buying a home (we've been budgetting for mid/late 2009 while ... |
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 We are buying a house and the seller died!!!!? |
| the woman selling our house died. the estranged husband only speaks korean and has not contacted a lawyer to get this rolling, the son is not able to sign. we were supposed to settle yesterday, we ... |
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 I have until 6:30 tonight to come up with $300 for the rest of my rent? |
| I have a few items I can sale like a brand new NordicTrack and some really nice art work. But were can I go to sale them by tonight??? HELP please!!!... |
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 I broke a six month lease on apartment and am paying however apartment is now rented is this lawful? |
| So, now they are getting my lease breakage fee plus a full rent, this is horrible in my opinion! If this is lawful ? It is at the minimum pitiful in my opinion. What excuses do they have that they ... |
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 How much home can I afford? |
| My husband and I make around 115k together right now. What is the approximate price range we should be looking for? We have about 60k to use as a down payment and closing cost.... |
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 Can I sell my home under market value knowing a second lienholder will not get paid? |
| My income is protected, so I only actually want to sell my home with enough money to cover my first lienholder's claim since my Son's name is on it. After that I dont care about the ... |
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 Will a flag lot (the lot is shaped like a flag) hurt the resale value of my home? |
| the lot is shaped as a flag; it has a long driveway and then at the end of the driveway there is a larger lot where my house is. the driveway is shared with our neighbor. will there be a discount ... |
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 On forclosure can they forclosure your home only behind 2 payments.? |
| They call me every other day when the 2nd payment is not paid, when it get close to the end of the month they write letters of forclosure saying my house is preforclosed . They know we get paid at ... |
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 Applied for an home equity loan and got denied?? |
| They said our debt to income was to high. WE wanted to do some repair on our house but also pay off our credit cards and close the accounts and our motorcycle loan Why wouldnt they give it to me when ... |
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 Why pay $400,000 for ugly California house? |
When you can buy $400,000 brand new big house with 7 bedrooms and 3 baths in Mississippi?
Why people wanna work 2 jobs in California to pay off
the small ugly house there?
Do they ... |
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 Are there any good realty sites out there that offer houses under $10,000? |
| Looking for a fixer-upper, but I do not know where to start. Thanks!!!!... |
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 Responsible for carpet after 10 years in apartment? |
| I recently moved out of my apartment after being there for 10 years. The apartment is in pretty much the condition you'd expect after 10 years of living in it. Nothing too bad but normal wear ... |
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 What are my rights as a room renter if the owner is selling the house? |
| What processes does he have to go through as I do not have a place to go?... |
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lkevin_conroel | I filed for chapter 7 bankruptcy about 2 years ago...Can i buy a house? |
I live in Houston, Tx...and had a bankruptcy about 2 years ago..Well im working and i have a good job now and i want to buy a new home. I have a co-signer available that has excellent credit and income. Can i buy a home with a co-signer so sooon after bankruptcy though? |
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togashiyokuni2001
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2 years since filing or discharge? It has to be 24 months since discharge with clean credit since then for it to be a conforming loan. In that case, a dozen other factors like loan-to-value, reserves, credit profile, etc., decide what your rate and MI are going to be. |
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Deb S
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Yes but the banks will not give you as good of a loan. Probably higher interest & a variable. |
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Jeff L
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You should probably go to a lender and try to pre-qualify for buying a house. This should be a quick way to know your answer. |
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Blue October
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yes, if the bank or financial inst. will approve the loan.
The federal law says that after a default, foreclosure, or bankruptcy you may again own property after 24 months---if a financial institution is willing to approve you.
I just found this out recently because my son's home is in foreclosure. |
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â™ Brianâ™
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Everything depends on your credit score. You can get a free credit report once a year from each of the three dredit buruaes...Transunion, Experian, Equifax.
https://www.annualcreditreport.com/cra/index.jsp
The best practice is to request one from each agency every four months. That way you can keep it in check. You can also pay a couple of bucks to get your score. |
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hang_on_sloopy
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You will probably be able to get a mortgage loan since it's been 2 years after the bankruptcy. Hopefully, you've reestablished credit (it's fairly important to show that you can get back on the horse and ride again, so to speak).
If you have not reestablished, you might find yourself subjected to a high interest rate.
If you have reestablished, your interest rate will still be slightly higer than prime.
(Having a hefty down payment will help - just FYI.) |
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roy_glen2003
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Yes, if you have a co-signer you should have no problem. |
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Lonnal W
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Yes, you can purchase a home with a co-signer. Do Not Let The Bank Bull You Around About An A.R.M. (adjustable rate mortgage) If your / the bank even speaks this way, the first time, politely say "not interested". If then the subject comes up the second time, DO NOT SAY A WORD, SIMPLY GET UP AND WALK OUT !!! If it happens to be a regular bank, and you have a checking account with them, CLOSE THAT ACCOUNT, and GO FIND ANOTHER BANK !!
Uncle Wil |
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Daryl C
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no matter what anyone says it all depends on the loan programs available. using a mortgage broker who has 1000's of programs to choose from is your best bet. Most banks will want you to be 4 years out of bankruptcy to be the primary borrower on the loan, there are programs available for 2 years since discharge, and a few that will finance the day after your discharge. Your interest rate will go up depending on how many different things you have not in your favor i.e. credit score, bankruptcy, Loan to value. it sounds like you may be best off putting the co-signer, as the primary borrower, and taking a back seat, as far as ownership goes you will both be equal, and when you are ready to re-finance the other person can quit-claim the deed to you. your rate will be better. the minimum fico score for a 100% loan these days is 580 for most sub-prime loans, if you have any other questions you can contact me at dcoates@ptffinancial.com I'm a part time loan officer, and would be happy to answer any more questions you have. Hope this helps, and God Bless! |
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Betty F
 |
Its best you get advice like this directly from an attorney. Most offer free initial consultations. You can find a good bankruptcy lawyer in Riverside at the link below. I also put a few links for California Lawyers, Legal Advice, and Legal Articles.
http://www.riverside-san-bernardino-attorneys-lawyers-dui-directory.us/riverside-san-bernardino-bankruptcy-lawyers-attorneys.htm
http://www.riverside-san-bernardino-attorneys-lawyers-dui-directory.us/riverside-san-bernardino-legal-services.htm
http://www.sandiegolawyerforyou.com/
http://www.california-attorneys-lawyers-dui-legal-advice-directory.us/california-bankruptcy-lawyer.htm
http://www.california-attorneys-lawyers-dui-legal-advice-directory.us/
http://www.legal-advice-library.info/resources_CA.htm
http://www.legal-advice-library.info/
http://www.legal-advice-library.info/articles.htm
http://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info/san-diego-california-lawyer-legal.htm
http://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info/ |
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shanaynay j
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call jerry wright at metrocities mortgage: 425-355-1052 |
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