 Are there any houses? |
Hey all,
I was wondering are there any period houses that are in need of restoration that I can get cheap[ish]. They need to be of decent size at least 7 bedrooms. Is this possible or am I ... |
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 I have the opportunity to move into a friend's house for 1 1/2 years while he is on deployment. My rent will |
| be less than it is for rent at my apartment. But, with living in a bigger house the electric bill will be a little bit more. Is the space going to be worth it? Do you think I should go for it?... |
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 I am a first time home buyer i never purchased a home it will be my first loan...? |
| WHEN YOU GO THROUGH THE FIRST TIME HOME MORTAGE, HOW DO THEY GIVE YOU THE LOAN? FOR EXAMPLE I AM APPROVED FOR A FIRST TIME HOME BUYER LOAN, I TELL THEM WHAT I WANT MY LOAN AMOUNT TO BE, FOR EXAMPLE I ... |
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 What do i need im moving out on my own? |
| im moving into my first apartment and i was just wondering what i need and if anybody had any tips that whould be ... |
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 One of my properties is going under foreclosure because of nonpayment. What can I do? |
| i am six months behind. The lenders already told me it is under foreclosure. is there anything i can do to avoid this.? please ... |
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 Can i raising the selling price of home to cover closing cost before accepting buyer offer.? |
| we are selling our home privately and came to a verbal agreement with a neighbor of a price of $350,000 and buyer pays all closing cost. when the buyer submitted a written offer they offered $350,000... |
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 I broke my lease at my rental property and the following are the charges that I am on the line for: fair? |
Lease broken Aug 20
$1000 lease break fee--OK fair enough
$895 - rent for the month of Sept. If I am being charges for this, should I not still have access the the apartment ... |
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 My landlord has moved new renters in while I still have term left on my lease? |
| We bought a new house mid-August and promptly moved in. The house I was renting before, the lease terminates on September 30, 2008. I met with the landlord who said he would not give me my last ... |
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 Please tell me if this is a scam!!? |
| This is really bothering me now. I am selling a new house in Florida and it was listed on the internet. I got an email from a guy in the UK saying he wants to buy my house and wants me to follow his ... |
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 I rented a house 7 monhts ago and know my landlord has sold the property.? |
| I have found a new rental and do not want to lose it but my landlord is holding me to the rest of my lease in case the deal falls through. But I am ready to go now. The house is in better condition ... |
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 Social Security and low income housing help please? |
I am from the USA and I am currently on Social Security and so is my boyfriend we want to move to Chelmsford England
I don't know where to get info on stuff like applying for SSI and SSDI ... |
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| i have split from my partner and she left are housing trust property with our son, she now wants me out asap and is threating me with police to get me thrown out, her name is on the tenancy but my ... |
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 How can I add my spouse to the deed on my house? |
| I bought my home before my wife and I were married. The problem is, her name is not on the deed or mortgage, and I would hate to think how the state of Texas would complicate things for her if ... |
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 After college i plan to move some place warm but i don't know where? |
| i wanna live in california or flordia but i don't want to deal with hurricanes and forest fires. any suggestions???? and it has to be warm 24/7 365... |
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 What is the requirement for $400k home loan? |
| What is the minimum requirement to get a loan for $400,000 or any loan. I want to make sure what exact criteria that need to qualify. How long you have to work in the same company or multiple company ... |
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| Is it OK to call and ask on the status of an apartment application? |
| My boyfriend and Iare trying to rent an apartment. I turned in the application & fee late Tuesday(9/19) afternoon and it is now Thursday(9/21) afternoon and I have not recieved a phone call yet ... |
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 Falling house prices - should we sell sell sell?!? |
| We keep hearing warnings of falling house prices, at first it was the odd comment now it seems pretty certain that house prices are finally going to crash in the UK next year, here in Wales they ... |
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amanda_m_jordan | I need mortgage help! I am a first time homebuyer that has found the perfect property!? |
My credit score is 452 and my fiance's is 512. I know they're really low but does anyone know how to truly get them up fast or know of a bad credit option mortgage?!?! |
 |
 
ets_bond_trader
|
Go to Lendingtree.com as they scout mortgages for you and give you options.
Things you can do to improve your score is to pay off all revolving debts, close unused or unnecessary accounts, get a secure line of credit and use that to build up your score. |
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tewarienormy
 |
Check with your bank, ads in newspapers and real estate companies. |
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Jeff
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I can help. 516 538 5800 ext 239. Mortgage Consultant. |
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robert_byrne
|
Here is an honest answer: With scores that low, any mortgage you qualify for will have EXTREMELY high rates. Sure, someone will probably claim they can do it, but you will probably end up digging yourself a deeper hole than you have now - you are a first time homebuyer and for scores to be that low, you must have some pretty serious debt problems. Do you really think it is best to buy a home that will include a mortgage payment, home insurance payment, utilities, property tax, and repair costs?
There is NOTHING that will raise your scores to an acceptable level quickly. Do not get roped into any "debt repair or debt clearing" services - most are scams, and the very few reputable ones do not work instantly.
You and your fiance should make sure to make timely payments on all your current accounts, pay each balance to below 30%, do NOT cancel accounts, and do not apply for any new loans.
So, bottom line: take some time to raise your score and get in a stable financial situation. You will find another "perfect property" and your chances of foreclosure will go way down.
For general and detailed information about mortgage qualification, mortgage programs, mortgage shopping, etc.,
you can check out my site http://www.mortgagemystery.com/
It is NOT a sales site and, in my opinion, has alot of good information. |
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ogrendle
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Try Rural Development and your state's Housing Authority. Ask YOUR agent, not the sellers agent. They may know of a source for you.
Good Luck |
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camrenalexis2
 |
I honestly dont know of any lender that will lend to someone with that low of a credit score. I would try lease optioning a house. If you want give my husband a call he is a mortgage broker
360-241-8970 Paul
financialevolution@comcast.net |
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pokerplayer528
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There is no miracle way to jump your credit score up. There are however plenty of lenders who deal with less than perfect credit. The following site has links for you to get a free mortgage quote so you can know what you will qualify for. Good Luck. |
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rhsaunders
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Those are indeed bad numbers, but there are any number of loan brokers who specialize in making loans to people with bad credit. It will cost you, probably 9 percent or more, with likely a lock-in of a couple of years, but it can be done. Pay everything on time, and after a couple of years you can re-finance into something more reasonable. |
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rita_alabama
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That is pretty low, I'm sorry to say. My husband's credit score was in the 450's and he couldn't even be on the mortgage because is credit was so bad. My initial credit score was about 623 and I had a hard time getting a mortgage. You might want to talk with a mortgage broker; they usually have a few dozen mortgage companies that they work with. Just read up on "predatory mortgage lending" so you know how to avoid a shady lender. You also might want to talk with a real estate agent. For both of my houses, I found the best deal through a connection the real estate agent had with a mortgage loan officer. Another avenue might be an FHA loan (specificially for people with low income and less than perfect credit).
Good luck! |
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sorenhuggins
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I work with some lenders that don't even require a credit score for the loan. They will just look into what you make.
Your Loan to value will not be as high but it is an option to look into.
Feel free to contact me if you would like more info.
soren@c21uptown.com |
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lgregg2@sbcglobal.net
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In my state they have a First time home buyers down payment assistance program. Find out if your state does. Usually it would be a housing authority. Anyways, They have specific lenders that they use for securing their mortgages. First and foremost your credit needs to be clean like no collection accounts and your payment history should reflect current. I have found that my number had rapidly improved in about 6 months of cleaning up just one collection account that was for $40.00 that I had forgotten about. You should proceed with caution with the bad credit mortgage companies. You will pay a higher percentage rate that can amount to hundreds of dollars a month. Wait to clean up your credit and then get pre-approved and then go shopping. find out about FHA loans as well. |
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lil' angel
 |
Fannie May and FHA make loans to people for their first home.
I am sure that they are reasonable.
I don't know alot about it, but you could google those along with all the other suggestions people made and find a good one.
good luck, save money, you will need it owning a home is like owning a money pit. |
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regerugged
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To qualify for a mortgage, the most important consideration is the ability to make the mortgage payments. If you put 20% down and incomes are adequate, the bank has the security of the property and the 20%.
Don't put too much emphasis on credit scores. |
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