 My Landlord Used my Apartment while I was away? |
| While I was out of the country for a 1 1/2 months my landlord's brother was occupying my space with his friends. When my girlfriend checked in one time to get the mail she found a pillow that ... |
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 Is It Possible To Get A Mortgage For 100% Of The Property Value? |
Thanks
Additional Details
I am based in the UK....Most answers seem to be more US related......... |
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 Can two people get two separate mortgages to pay for one house? |
| For example, a house costs £200K. Person 1 gets a mortgage for £90K. Person 2 gets a mortgage for £110K. They pool together these two mortgages to pay the total £200K for the one house. Is this a ... |
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 Our landlord has taken nearly £200 from our deposit? |
We moved out of our old house on 28th feb,advised that we would have our deposit returned to us within 28 days, as legally stated.
Received a cheque dated the 19th April (clearly way over the 28... |
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 I want to sell my condo myself using only a lawyer and a title co, any suggestions on marketing? |
| It is in Orlando, close to downtown and the airport. Any suggestions on getting the word out?... |
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 My parents want to give me their house for the amount they owe on the mortgage. Can they do this? |
My parents currently owe about 240k on their home. I would say it might sell for 300k if put on the market right now.
I want to take over the mortgage and also take over the title.
What ... |
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 What is the process for a first time home buyer? |
| I'm planning on bying a house in the next couple of months and I do not know where to start. I don't have all that much money built up so I will need a huge loan.... |
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 I'm trying to move out of my parents house and i need help with some questions? |
I'm trying to move out of my parents house and i need help with some questions?
i was wondering what is the average amount of money it cost to live in a apartment a month after you include A... |
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 What's better for investment purposes? Buying houses/townhouses? Or just buying land? |
| I just recently bought my first townhouse, using it as my primary residence. I'm going to rent out the two rooms upstairs, while taking the nearly-finished basement as my own room. After I get ... |
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 Does adding a pool to you home raise the property value? |
Not an above ground pool.
Additional Details
I really want want not just for the raise in value but i was just wondering would that be an added benefit.I also live in Texas if that helps.... |
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 Buying a House for the first time....? |
What are some things you need to do to prepare yourself & your credit rating to buy a house? And also what types of loans can first time home buyers qualify for?
Thank you!... |
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 Thank you! Do I charge rent for the whole month and what damages can I charge for? |
| The tenant has been there for 9 years and they gave me notice on the first that they would be out bu the 25th. Now they say the can be out by the 10th and want to know how much to pay for this month. ... |
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| HELP!!! - Tenancy contract!? |
| I moved into a flat in October and signed a one year contract. I cant afford the flat and i need to move out. What can i do? HELP!!!... |
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wyld_scorpio | I want to buy a house, I have credit score of 586-623, make about $70,000 a year, is it possible? |
Who would be a good lender to contact? What kind of interest do you think I would pay? |
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rb1956rb
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Your credit is good but could be better. As this is your first time I would really suggest going to a class for first time homebuyers. Most cities have them and are ususally no or low cost to you. It also gets your foot in the door for programs that will assist you like help with down payments etc. You should try to get your credit score higher, start paying off any credit cards and if your income allows make a second payment each month to pay it down as fast as possible. The largest question is how much can YOU afford and how long until you can put at least three months of your TOTAL expenses in the bank to cover the possibiity of a financial problem. There are a lot of things to consider prior to this and just being able to is not always the answer for doing something. So which is is as far as your credit, is it 586 or 623. As far as I know it can not be both? You should go to HUD.GOV as there are many things there to help you in your decision and I mean your decision. You need to do a personal financial report allowing for all your monthly expenses down to basic necessities so you know how much you have to put towards a mortgage. The hud site has a caculator for this. With current interest rates you need to get pre-approved by a bank or mortgage broker so you know how much you can get and when your ready to start looking most realtors require it so they know what to show you. As for Lending tree.com they are good for getting several quotes at once but you should have a working relationship with a bank already so I would check with them as well. If you have to ask those two questions I would really recomend taking the class as they cover all this and more. Once you purchase your responsible for everything so consider it the second biggest investment in your life and you need to do the homework or you could end up with a money pit and lose it all. Good luck but do not rush in to anything |
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humee
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www.humraz.com are selling attractive properties in reverse price auctions where bidding starts at £0.01.
If you bought a property this way, you might not need to concern yourself as to who the best lender is and what interest you'll pay. On top of that, you could sell the property at full market value and buy the house that you really want with the cash. |
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Pipefitting K
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Yes, unless you live in NYC or somewhere li'dat. |
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SUSAN K
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You need to get a good Realtor and they can help you find creative financing. It is possible.
You may have to pay a higher interest rate than you want but you can always refinance after a few years and increased equity. Then you will get a better interest rate and a better monthly payment. |
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operababe_61
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Probably. It depends on how expensive houses are where you live and whether you have anything for a down payment. If you don't have a down payment you typically need a credit score of at least 620 or so to qualify for 100% financing.
Rates change daily but a typical interest rate right now is in the 6.25 - 6.5% range in California if you have good credit. You can expect to be closer to 7% with less than perfect credit scores.
You can contact the bank that has your auto loan, your personal bank, online lenders like eLoan, huge lenders like Wells Fargo, or little local lenders in your own town. Shop around and go with the one who gives you the best interest rate, lowest points, and best overall loan package. Just be sure you apply with these lenders all within a 2-3 week timeframe. Each time they run your credit it "dings" it a few points, but my lenders tell me that if it's clear to the credit bureaus that you're shopping for a loan it will only count against you once.
Good luck! |
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mlbfan
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You sure can afford a house. If you contact me I know of a few sites that I could help you look for a house, just tell me your price range, and zip code. You can email me with that info. Happy house hunting! |
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the dream
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Your interest rate should be in the 7's. I recommend you call Steve with United Home Funding at 419-868-1597 directly (you may have to leave a voicemail). You should receive a proposal within 24 hours of contact. |
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H. Fannin
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#1. DO NOT go to a realtor to help with financing. They sell houses not financing. Most of them don't even know the first thing about mortgages. Would you go to a pediatrician if you needed heart surgeon? Yeah their both doctors, but they do entirely different things. Same concept here, don't go to someone who sells houses to get finance information.
#2. These people on here cannot tell you a real estimate of an interest rate without knowing your credit situation. Your credit score is just the beginning, there is more that goes into determining your credit grade. Also, it would depend on what program that you are trying to qualify for. Are you going conventional, government paper, my community, subprime? The list goes on. Contrary to what was said previously, you do not need a 620 score.
#3 DO NOT go to Lending Tree, all that will happen is that you will be bombarded with calls from several brokers who bought your contact information. You need a LENDER (not a broker) who also has the ability to broker out if need be.
#4 If you are able to document your income, have paid your rent on time, and have had good credit for the last 2 years, I know of a few REALLY good programs that have BELOW MARKET interest rates. This is what I do, but it all depends on your specific situation. Let's go over your scenario and determine what your needs are before you are sent in the wrong direction. |
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bcauble1
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Yes you can. Go to lendingtree.com and apply you should have an answer within 48 hours. It will also depoend on your job time though. Hopefully you have worked at that job for while. Good luck I hope this helps |
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Get Justice!
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Yes, please contact me and I will get you the best rate possible. I hope to be of service to you.
Sincerely,
Jon |
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