 SECURITY DEPOSIT question? |
| if a landlord holds back your SECURITY DEPOSIT because he claims that you damaged items in the apartment, can you fight it? is it worth it to fight it? what are your chances of winning? what do you ... |
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 What does "o.n.o" mean? |
Hi All,
just a quick question.... In adverts for property to rent, what does "o.n.o" mean?... |
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 How do I add my name to my husband's deed of our home? ? |
| He bought the house while we were engaged and even though we live in a Community Property State, we would feel better if now my name is on the deed in case of a tragedy or like now when we want to ... |
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 Where would you live in the U.S.? |
| If you could move to any part(state) in the U.S., where would it be? I think I'm getting tired of how busy and overpriced Southern California is.... |
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 My Mom, whom I live with wants to give me her home, better to sell,quick claim or will, have 4 siblings? |
| She has a loan of 56,000.00 which I would like to take over or pay off. But we are not sure if I should which way to go. I just paid the taxes and don't want to be taxed again. I have been ... |
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 What can a landlord legally deduct from your security deposit? |
| I live in Arkansas, and my landlord is trying to charge us for stuff that is normal wear and tear. A thermometer is broken that worked just fine until we left, and he is trying to charge us for that. ... |
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 Need advice on trying to buy first home? |
| I am a single mom of three boys, currently going to a Votech and i am wanting some information on trying to buy my first home. I have a limited income for right now. But i want to move to the Tulsa ... |
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 Just moved in and found a problem...? |
| We just moved into our first house, and we've been here almost 3 months. Last week we discovered the floor around the toilet is rotted. Will any kind of insurance cover this, or simply a case of ... |
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 Spouse's Foreclosure? |
| My husband and I live in CA. He purchased a home completely on his own. I was not on the loan and I did not sign any loan documents. I am on the deed. When ever I have my credit report run, the ... |
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 How bad would it be for our credit if we bought a house, and let our condo fall into foreclosure? |
| I want to try to get approved for another mortgage for a house, because our condo won't sell. We live in Southeastern Michigan, and the market is awful, and we need to get into a house.... |
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 What are those houses called? |
| they are not trailers you buy them from a place (pre-built) then the people from the place (its like a dealership) bring it to your property (they put it on a big truck)... |
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 Can you buy a home with poor to bad credit??? |
| I have never bought a house before, and don't know if it is possible for someone to do so with poor credit. It just seems silly to throw away $700-$800 a month renting an apartment or townhome.<... |
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 Does a down payment get you a better interest rate on your Mortgage? |
| We are in the market for our first home. We found one we like, but aren't sure we want to put anything down on it. The house is on the market for $204,000. Would we get a better interest ... |
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 How to get downpayment? |
| I am trying to buy a house (first time) but the mortgage co wants me to put $3000.00 down and I dont have it. Any suggestions on how I can get the money? I have to move quickly or i wil loose the ... |
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 Subprime Mortgage Crisis??? |
Can someone summarize what happened to cause this crisis and recent banks involved that have collapsed...and what happened to solve the solution
T... |
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 Eviction notice? |
| My landlord is serving me with an eviction notice because of complaints about my barking dogs. How difficult will it be to rent with this on my record? Should I lie when filling out rental ... |
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 I'm afraid my parents might keep my money from me when I move out...? |
OK, to paint the picture roughly:
My friends from college and I wanted to live together. We decided to rent a large house and split the rent according to the room size, utilities used, etc. We ... |
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 With a credit score of 480, can I buy income property? |
| I would like to elaborate in my question posted earlier. I currently have a mobile that I will be selling that should bring me $55K. With those process I'm hoping I can buy a 4 plex and bring ... |
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Atousa | I made a mistake and overpaid my last month's mortgage by $100...? |
Can I take that out of my next month's mortgage? Or can you not do that? I know it's only a hundred bucks but I'm trying to save money really badly. |
 |
 
David
 |
Your extra payment went to one of two places.
1. Extra principal payment (you will not get it back) as it has been applied to your principal balance.
2. Escrow. You might petition to get it back, but that will take time. Most likely, you will receive a check at the end of the year when they reconcile the escrow account and show too high of a balance.
You must make the full payment next month. Do not short them the payment unless directed by the company. Otherwise you will be in default until you cover the difference.
Also, you will receive a quarterly statement that shows where the extra money went. |
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ARTmom
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I don't think you can- the morgage company will credit you directly to your principal amount though-call the morgage company and ask- don't just send less. They might credit you if you make arrangements over the phone now-so its in your file. Don't hope for much though-sorry! |
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sylviavnpttn
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call the mortgage company ask them if the $100 was applied to the interest or principal. Over payment is NOT a bad thing, call, explain see what happens. |
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Amanda H
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It depends on how it was applied.
usually a mortgage co applies it to your principal balance, and so the total amount you owned simply goes down and your payment stays the same.
Sometimes, its applied to INTEREST, which would effectively lower your next payment by that amount. call and ask. |
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123
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Call the lender and tell them that last month you overpaid and ask if it is okay to short that amount from the next months payment |
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lozatron
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You have to call and ask them - most likely they will say no. Just underpaying is a risky business and you may end up technically in default. |
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bostonianinmo
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Call your mortgage company. Unless you include a note with your check, they will normally apply any overpayment to your impound (escrow) account for taxes and insurance. In that case they might let you "short" the next month's payment though you must get their approval first. If they applied the excess to your principal (mine does because I don't have an impound account) you won't be able to short the next month's payment, but you DID just knock a few months off your loan's term. |
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sexytrojan
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Tell your mortgage company to apply it to your principal. Your interest will reduce by more than $100 in the long run. |
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Free-As-A-Bird
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call them.... and ask... you are asking the wrong group..... |
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