 Is it legal for a housing rental company to enter the dwelling a tenant is renting without their permission? |
| We have been renting the same house for three+ years currently. The house has changed rental companies three different times so far. The newest company is giving us hell for no reason. We've ... |
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 LAWS - should I pay rent if landlord is not keeping up maintenence? |
| St. Louis, MO. Law, My apartment is falling apart and I have an astronomical gas bill because there is poor insulation and drafty windows. Can I refuse to pay rent untill these issues are resolved?... |
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 To share or live my own? |
| Right people , i need your help. Im sharing a place with a mate, which i have been for about a year. Suddenly ive got the urge to live on my own , i am not unhappy where i am , but feel like a change.... |
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 Want to be a real estate agent...? |
| I am a sophomore in college and i am interested in being a real estate agent. My major is construction management, and i will graduate with this degree program. I can wait till after college, but I ... |
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 What are the disadvantages of owning your house outright? |
If my house is completely paid off, are there any disavantages with my situation?
Can someone sue me and take my house?
Are there issues with getting a new loan for a new house?<... |
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 I am a property appraiser in Florida, my boss owes me for five months of back pay. How do I get my money back? |
He refuses to pay me and I quit about a few weeks ago.
Additional Details
I am a subcontractor, I get paid 60% of all work completed. He tells me he is having problems collecting money, ... |
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 Is anyone else struggling to get onto the property ladder? |
Additional Details
Its so frustrating were renting at the moment (which is dead money) its so hard to save a decent deposit esp when you have a car to run etc etc, i feel like just ... |
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 Having problems with my landlord...Need legal info and direction!!!? |
| My landlord sent a certified letter from his lawyer stating that I had 30 days to put my 22 year old son out. My son is not named on my lease (which) I drafted, but there is no statement regarding ... |
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 What if the banks appraisal is less than my offer? What happens then? |
Is there a contingency we should have made regarding this issue? Or is it standard to renegotiate or just with draw?
Additional Details
Maybe because I live in a very small town, but we ... |
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 What's the difference between Condo and House? |
| as an owner of a Condo, do you really own the land on which your home is built? how often do they increase the maintenance fee?... |
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 Would anyone buy a house that appears to have termites? |
| I have never had anyone come out and see for sure, but I have found a baseboard that was eaten away. The footer behind it is solid as steel however. I also found what I THOUGHT was a crack that ... |
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 I want to buy a home? |
| I know which home I want, and I am also pre approved for a loan. Who should I contact to handle all the paper work or does the seller take care of all that?... |
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 Why is it so hard to get housing? |
| Council housing that is, unless you are 17 and pregnant!... |
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 Do you need to give 30 days notice in a month to month renting situation? |
My friend is leaving her slightly abusive housing in California. She has not given 30 days notice and says there is no reason thats what the deposit is for and she doesn't want it back.
... |
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 What is 10 % of $69,550? |
what is 10% of 69,550
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1 i came up with 6,995 but i wanted to make sure it wasnt just me cause i dont think that this house is worth putting that much down own thats ... |
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 Can an apartment manger ask me to leave if I have lived there for 6 months for a crime that I committed 4 ago? |
Additional Details
I plead no contest to a drug charge almost 5 years ago. Well they asked on the app. have you ever been convicted of a drug offense. Well I wasn't I pead no ... |
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 Single first-time buyer desperately seeking advice for the future!? |
| I am 26 and just starting a career change, albeit to a less-well paid job, but it's what I want to do. Will only be on £14000 for the next couple of years. I desperately want to move out of my ... |
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| Where can I buy very cheap secluded land? |
| I am looking for some land that I can build my own cabin on and kinda figure out who I am. I don't care if it's in the mountains or desert and I don't care if it is cold or hot. The ... |
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tmom | I have a 725 fico score my husband has a 605 we are trying to buy a house what are chances of a good rate? |
He makes more money than I do, as I have taken time off to have kids. |
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twv706
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You will qualify for the best interest rates with the average credit score from both of you. If you want good advice for first time home buyers visit http://www.mortgageawareness.com |
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iceman
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Most are looking at the person with the lower score these days. So they would go off of the 605 score.
If you sit down with a mortgage broker they will probably be able to find someone who can get you a decent rate with that score. |
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Yanswersmonitorsarenazis
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Holy cow. Lots of uninformed or inexperienced answers so far.
I just approved someone with almost identical scores, today, for 100% financing, 6.125% 30 year fixed-rate, and only about .60% annually for mortgage insurance. That is as good or almost even better than if everyone had 700 scores and 5% downpayment.
There is no excuse for anyone to try a subprime loan, or something with stated income, or all the other crap that so many brokers try to do.
There's so many loan officers out there that just have no idea of what the major agencies will actually take. You have to find someone willing to try to get you a Fannie Mae/Freddie Mac/FHA loan.
A good place to start: look up the housing finance agency for your state, and get their lender list. Shop from them. |
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ondreforsure
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Are you looking for 100% financing? If so i would recomend renting for a few more years... houses in most areas of the nation are depreciating at the moment and it wouldn't be a wise investment for the average person/family.
To answer your question, typically the person that brings home more bacon is used as the main borrower on the application and those scores are the driving factor. We can do a no income no asset loan for you with your higher scores and see if that will give you a better route then going with your husbands poor scores. It really depends on how risky the loan is and how much you are financing. Right now the minimum fico score for 100% financing in the United States is 620. Don't listen to a realtor, they just want to sell a home. Most are clueless about financing guidelines. Also guidelines have changed greatly over the past few months because of all the defaults on mortgages the nation has been experiencing recently. Give me a call and we can get into detail about what would be best route for you guys so you don't beat around the bush and waste time. I am currently licensed to lend in 33 states and look forward in speaking with you. |
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Life is what it is! :)))))))))
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Maybe you should try qualifing by yourself. That way you can get a good rate. Add his name later. |
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Jeff
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good |
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Donna R
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A realtor will get your fico score from all three agencies and probably use the middle score....your scores are both decent yours being the best of course. They will factor both of your incomes so do this in both of your names....a fico of 530 or higher is acceptable for 100% financing rate may still be higher but i don't think bad go for it good luck I was going thru I believe it was help u sell and got good service although we haven't bought yet...get pre-qualified and realtors will start coming to you. |
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mlb278
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They use the Fico score of the person who makes more money.. Your fico score is irrelevant. You will have to pay a higher rate. |
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Tim D
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I know a few lenders offer best score programs that accept the highest of two scores and income from both for qualification. If I remember correctly one lender that does this is First Franklin. It's a division of National City Bank and should be availble to many loan officers. I can only help you myself if you're in Michigan or Florida. Let me know if you have any more questions. You could still get a good rate just shop around a bit. There's a lot more to a mortgage than just the rate. |
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Cali9
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Both of your scores will be taken into account. However, a really good lender can do some tricks and get his up to 620 which would be perfect. Ask your lender for an "opt out" and a rapid rescore to increase his score. Best of luck! |
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