 What do i do if my landlord is breaching the tenancy agreement? |
My landlord/agents are not giving me the required 24 hours notice to enter my property to to maintenace work. I would like to know where i stand and what i can do to stop this happening?
T... |
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 Ca i use my credit card to make a down payment for a house? |
can i use my credit card to make a down payment for a house?
credit line $15k max and no balance on CC. can i use it for a down payment?... |
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 If you are showing your house to buyers and a rat comes out dragging a rattrap because it didnt quite kill him |
| what is the best way to laugh it off?... What is the appropriate thing to say to potential buyers? It ruined my last deal... I just want to make sure it doesn't happen again...... |
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 How much MONEY does it cost to file a SMALL CLAIMS COURT CASE???????? |
| I moved out of my house at the end of my lease last month and I'm trying to get my $925 security deposit back from my landlord[s], but they keep bullshitting me, and now they won't answer ... |
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 I have no lease and I get charge a late fee if I am one day late? |
| I am renting and I have not had a lease for 11 years, within the last year my landlord told me that he wants $50.00 if I am even a day late. Within the last year I have been late 3 times, 2 of the 3 ... |
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 Im looking to purchase a home,and Im ready to make an offer? |
| Is 10% less than the asking price going too low or could I go lower and hope we can meet in the middle....thanks in advance...... |
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 Where can I buy a house between 80k to 90K In US? |
Where can I buy a house between 80k to 90K In US?
Not a condo, I said house 3 bd room at least 2000S... |
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 Rental deposit? |
| I recently moved out of my apartment and my ex kept it, he was never on the lease and now hes been asked to fill out a new lease am I entiltled to my deposit or can he apply it to his lease?... |
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 Can u proofread this so i wont get EVICTED?? |
i can not afford to live here anymore so im moving out. do u think this letter is ok?? can someone edit it or read it for me. thank you.
Dear Oak Tree Court,
First of all, thank ... |
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 I owe more than my house is worth? Felt like i was scammed? |
Hi,
we refinanced our home 3 years ago and took some cash out to pay some bills, now we have to move to another city and to find out that we owe 20k. I dont understand? I talked to an ... |
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| Am I allowed to have two leases for apartments if my one lease is ending a month after I move to the new city? |
| Im currently living in a town and my lease is up June 1st. I want to move May 1st into a new apartment but my landlord is being picky about the lease. Am i able to pay for my last months rent and ... |
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 How long do I need to be at my job before applying for a home loan? |
Hi,
I just moved to this area about 6 months ago and am thinking about buying a house. This would be my first home. Do home loans require a certain length of time on the job?
Thanks!... |
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ale_0806 | I need advice. I have an adjustable rate mortgage. My home has no equity. What can I do to lower the pmt? |
Like many people i was one of the many that got stuck with an adjustable rate mortgage. My pmt is about to adjust, is increasing by $400. I don't know what to do because the housing market is very shaky and i can't sell my home because i owe more than it's worth. Please someone, help i don't know what to do. What options do I have. Many people have told me to talk to my lender and see if we can come into an agreement instead of foreclosing my home. |
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yourmtgbanker
 |
Yes, I would definitely recommend refinancing. The foreclosure epidemic in our country has caused reform in government backed loan refinancing programs. FHA Secure is a program that may be able to help you. My company has just initiated this program. It is specifically designed for consumers that have non-FHA arms that are adjusting and were not past due prior to the adjustment in rate. FHA has great rates and will help people like yourself experiencing this problem. Email me if you need further info on this program. Good Luck. |
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Real Estate Guy
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you didn't say what the payment currently is, so it's hard to know what impact 400 a month will have. I find it hard to believe that you are so poor that 400 a month is going to kill you.
I would suggest that you get a part time job.
Or a room mate
Or rent a room
Or cut back on some of your living expenses like cable, etc. |
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acermill
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Your first option is to speak with someone in authority at the offices of the lender. If you end up with 'customer service', you won't get anywhere. Ask for someone in loss mitigation, and advise them of your desire to refinance with them in order to avoid foreclosure. Get the name/department of those who can assist in this regard, and work with them.
No guarantees of what the outcome will be, but it's the best place to start.
Don't bother with a real estate attorney, as suggested elsewhere. You will be throwing good money after bad. There is nothing an attorney can say or do which you cannot say or do by yourself. |
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Pengy
 |
My guess is you financed 100% of the home and with prices dropping you thus have no equity. Refinancing without equity in other words at this point financing for more than the home is worth in today's market is just not going to happen. Do not care what anyone else posts here it will not happen. ps You did not get stuck with an adjustable you chose to accept one. So at this point what can you do? You do not want to lose your home, and you do not want to walk away from it that is the worst. So you have to ride the tide. Your home is the most important so cut back on everything else. Conserve on your utilities, cancel things you do not need get a second job if you need to just do not lose your home. |
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Linc S
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refinance!! rates are so low right now. you can geta conforming 30 yr for around 6%...1st call your lender-if its b of a or countrywide you are set as they are doing refis just by resturcturing the rate with low impact on you paper wise....if it isnt call the lender and tell them the situation and ask them...otherwise go to another bank....if none of that works, get a p/t job, roomate or cut back your spending...good luck and hang tough! |
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Patty D
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What do you mean you were "stuck with an adjustable rate mortgage"? You chose the mortgage program and signed the papers. It also sounds like you chose to do a 100% loan.
Sell it for as much as you can as quickly as you can and suck up the difference or talk to your lender about doing a 100% refinance into a fixed loan and pay out of pocket whatever you have too. |
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Liberty 4 all
 |
Whoever told you to speak to your lender is correct. That would be the first place to start. If they have no answers try several different lenders and be upfront on your situation. Private local lenders not (Countrywide) should be able to work something out for you. There are hundreds of loan programs out there.
If at all possible do not enter into foreclosure. Most mortgage companies will with you. |
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Mike
 |
I recommend that you ask your lender if they would consider a short sale. That is a sale where the lender accepts less than is owed on the mortgage.
I would also suggest that as an alternative to the short sale that they consider a modification fo your loan so that the payment does not increase. Let the lender know that if the payment adjusts you will not be able to make the higher payment and you will have to let the house go.
Also, I recommend that you hire an attorney who specializes in real estate law to talk to the lender. Attorneys are often very good at obtaining cooperation from lenders when they moght otherwise refuse to coooperate. |
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christine s
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Well the one thing you should do is see if your home has increased in value, if so you might be able to refinance your loan. This will give you a fixed rate and your payments will always remain the same. You must talk to a lender immediately. I do not suggest the person who you got your first loan from. If you can non refinance, talk with the bank. I know here in California they are working with homeowners to help them keep their homes. Good luck. |
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Weimaraner Mom
 |
You don't need to have equity in the house to refinance the mortgage. Just call up and see if you can get a better fixed rate at a lower interest rate than you currently have. You don't have to take any money out. Ask if you can refinance at a fixed rate and see if you can get a better interest rate than you already have.
Good luck |
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