 I have no refrence for an apartment what do i do? |
| I'm 18 and this will be my first time getting an apartment, I have a job that makes about 1200 a month but most apartments says ref's required, Is there anyway around this? Oh and i'm ... |
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 Can my landlord do this to me? |
| We let our cousin stay with us a few months and he is leaving next month. Our landlord come by today and said we had to give hime $400. thats $100 each month he has been here. It doesn't say in ... |
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 I have been turned down for a second mortgage on my home & no other place has even contacted me.? |
| Does anyone know of a good loan place I could contact for a second mortgage. I did file bankruptcy nearly 5 yrs. ago due to my husbands employer filing bankruptcy. We do however pay our other bills ... |
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 Question about renting an apartment.? |
| This is my first time renting an apartment. I found this cute apartment for $875 a month and the security deposit is $875. Do I pay the first months rent and the security deposit? Or just the ... |
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 Is it worth going to a small claims court for £1000.? |
| when the tenant owing the money has none and will get told to pay in low ... |
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 Can a person who makes $105,000 a year afford a $370,000 house? |
| We only have $10,000 for a downpayment? Taxes are $5,500 a year and assessments are $615. Thanks.... |
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 Can I get a home loan for more than what the house is listed for? |
| i wanted to buy a house that definetly needs work....it is selling for $54,000 but i wanted to get a loan for about $70,000 to get the house fixed up. Will the home loan people approve a loan for ... |
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 Why is there no limit to how much a mortgage company can charge for a house ? |
| Houses are CHEAP to build -- if you don't believe me go to home depot and price the parts. It only takes a month to build most of them, so the costs are small compared to the ENORMOUS sales ... |
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 Renting from a private owner and the bank is foreclosing on the property. What rights do I have? |
| Hi guys, I'm in a sticky situation and I wonder if anyone can help. I'm currently renting a condo through a property management company. Even though I have been paying my rent on time, the ... |
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 If you can no longer pay your mortgage, but have 100,000 equity, what's the best solution? |
| It's hard to pay our mortgage now with the rising property taxes and insurance. We do have 100,000 equity. Besides moving, what can we do to make things better or ... |
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 Roommate wrote bad checks then disappeared, now he's in hospital. Should I give him some slack? Help!? |
| All was fine since he moved in, until he failed to pay August rent, then wrote me a cheque for September from an account he KNEW was closed. He also wanted some cash back so he wrote me a check and I... |
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 Can a landloard evict tenant because of the disputed late fee? |
| My landlord just gave me the 3 day notice to pay or quit because of the late fee i didnt pay. The late fee is questionable and I am not paying because the landlord claim that they received the rent ... |
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 Can we be evicted due to a medical condition creating late monthly rent to the landlord? |
| my boyfriend was diagnosed with cancer and is under medical care. the landlord entered a verbal agreement that we could pay our rent in 2 monthly payments. this is due to his lack of work during ... |
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 My house is in forclosure, how do I find an investor to buy it? |
| I need someone to buy then rent it to me for 12-24 mo. Then sell it back to me (at a profit of course).... |
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 I need to refinance my house in 4 years. What happens if is worth less than what I paid for it? |
| We paid $669,000 for our house at the top of the market(preconstruction). Now the same model is selling for $420,000 and still no buyers! I don't think the market will come back in time when I ... |
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 Bad tenants? |
| i have rented my flat , i never use to get my rent on time so i have given them notice of 4 weeks. On that my tenants did not agree on this and wanted atleast 3 months, after negotiating he agreed on ... |
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 Im ready to purchase a home now? |
| Im ready to purchase a home now - my realtor says buy now - my boss says wait for 4-6 months the buyers market, what should I ... |
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Fort Sill Army Wife | I really want to buy a house? |
I have no clue where to start.. my husband is in the Army and has been for 15 years, he has an identity fraud alert on his credit report, because someone stole his identity, we are moving in 2 months and really want to buy a house at our new post. Will this be possible with his bad credit and identity theft alert on his credit report or am I dreaming...
Additional Details
the post we live on has a home buyers workshop but they wont hold another one until may and we will be gone by then, we wanted to start the paper work here before we get to our new post |
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Nancy Drew
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You'll want to see if you can get financing. He's eligible for the VA loan which may give you a better rate if your credit is iffy. After you get preapproved (and be prepared. . . . they may tell you that you can afford more of a home than you actually CAN afford so be careful on what YOU decide your price range is), find a realitor and take a look at what's in the area.
An FYI. . . . if you don't know the area very well it may be a good idea to rent for at least six months. Then you can get a general feel of the new city, where everything is, the "bad" areas of town, the good school areas, etc. With your husband in the army you don't want to buy a home you won't be able to sell because of a bad location. Living there for six months would give you a better idea and you wouldn't have to trust that your realitor isn't glossing over the defects. |
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Real Estate Guy
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Talk with a lender today. Then talk with a realtor. Both will help you and neither one will cost you a dime. |
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Conducting my own survey
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Talk to a lender. |
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Doctor Deth
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with fraud alert on credit report - it may be tough - call a mortgage broker and ask them if that's a deal breaker |
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Laurie the Realtor
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I have a mortgage broker that is very experienced with fixing fraud items ona credit report. She can clear most situations up in about 3 months. Let me know if you would like her contact information. |
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estielmo
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Surely the local base offers help and/or advice. If it's a military town the local real estate agents will have lots of experience to service your needs. |
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Chris C
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Go through a mortgage broker. They have access to many options for mortgages with different lending requirements. Some places don't do credit checks, some don't base on income, some just base on equity, etc.
I'm started a business less than 2 years ago so when I went for a mortgage I got shot down by 3 banks becuase of a couple minor things on my credit score and my inconsistant income. Went to a mortgage broker and she had 3 different options that would approve me depending on what kind of mortgage I wanted (open, closed, fixed or variable) and the length of term.
No guarantees that you would get approved, but it's worked for me and several of my clients that I've referred to mortgage borkers over banks. |
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godged
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Start by talking with a lender to find out where you are at. The identity theft shouldn't be a big deal, it happens and lenders work with these issues.
Find a Realtor where you are going and have them start sending you information. |
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Bobo
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I would recommend doing some research on the area you are moving into. How will you know a house has good schools or low crime, or is appropriate part of town if you just moved there? Also check to see if home prices are rising or falling in that area, so you don't end up losing money on your investment.
I would hesitate to talk to lenders and real estate agents right off the bat, they can be helpful but you must realize it is their job to sell you a house/mortgage.
One other thing to consider, if your husband changes posts every few years then buying doesn't make a lot of sense. You get charged 6% or so in transaction fees, so look to buy when you will stay in an area for a very long time. In the meantime, work on fixing the credit problems because that may cost you big if you have to get a subprime mortgage. |
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saberhilt
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A couple of things:
It's my understanding that the military has a loan program for 30k with a 1% interest rate (or something similarly small)
You can use this for your down.
Talk to several lenders. If you talk to 10 and 5 say they can lend you money, even given his credit issues, and 2 actually give you good rates, you'll be in better shape than just going to one bank.
When you start talking to banks, ask the FIRST bank what your credit score is; then supply those numbers to the lenders rather than have each lender pull a credit report on you. Reason being, everytime a lending institution pulls your credit score you'll see a 90 drop of 3-7 points in your credit score. Meaning the 10th bank is going to see a much lower credit score if you've had each one pull the numbers.
You might also want to pull a credit report on yourself to make sure that eveything is correct on your histories.
Banks are being a little tight with their money right now, but mortgages are still happening, so don't worry too much. |
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