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 Instead of going after the poor people trapped in ARMs, why doesn't the government go after the loan sharks?
They keep saying the sub-prime loan problem is due to people getting loans they couldn't afford. But the problem is the ARMs have been adjusting up by 2% a year. Who can afford a 12% mortgage? ...


 Was my father right or wrong?!? Pretty simple question lol?
Hey im 13 and in 8th grade and i have this to desire to be rich lol and happy, but really rich lol. My father said that if you purchase a condominium you can trade with other buyers in different ...


 I'm thnking that home mortgage rates will go as low as 5% and that home will probably decrease about 20 % in
most markets and that prices will remain in a valley for about 8 to 10 years ...... What's your forecast ????...


 How much do you think a seller will lower down the price of their home?
I'm just searching homes. If they list a price, how much lower can they go down or that they might be willing to go down?


For examle:

I just want to know, because the ...


 If a rented property floods, is that just the landlords problem?
I've found a nice place to live but it floods (not too bad) a little each spring. If i rent it and it's damaged by floods, is that my problem or can i just move out and leave the landlord ...


 ARM or Fixed Mortgage?
Planning on buying a condo for 175,000 in Texas. First time buyer. I've done some research and know I can afford it, but dont know much about mortgages. I will probably be in the place for 10 ...


 2 years ago my house px 355K. now it is apprsd @250K only. how does it affct my mortgage loan principal paymt?
...


 Someone tricked me into signing papers. What should I do?
My sister & I owned a house together. I've been living here for more then 15 years. I trusted her. However, on the night before I was supposed to leave for Japan, she told me that we ...


 We live in a 1 bedroom flat, but share the building with 3 other tenants.?
Last night (Thursday) one of the tenants had people over. They talked loudly and had loud music on from 11:30pm until 5am. I told them to keep it down, but it simply started up again.

They ...


 Im short on rent and was wondering if i could use the my security depost to pay?
...


 How do i get a home equity loan if i resently inherited a home and it is not in my name?
i want to sell but need to repair some things....


 What would be the best advice a homeowner could give to a first timer?
I'm getting ready to purchase a home for the first time and I need advice, what are some very important things that I should know before and after I close the deal....


 How much more of drop in the price of houses can we expect in the next 6 months? I'm looking to buy. Wait?
I'm looking to buy in Chicago's NW suburbs. I can wait another 4 months if I need to. Is that my best bet?

What can I expect to pay for a house that is listed for 300k right now ...


 I signed a contract with a real estate agency which said I pay 4%when they sell my property & now they want 6%
They said I have to pay 6 % now because the sale was from another real estate agency and they want a cut. They said I could have prevented this by muli- listing but I thought I was doing them a ...


 Does putting pictures of the inside of your house on the MLS help it sell?
I just want to know if seeing the inside of the house on the website is actually helpful or not for the seller. T...


 House for sale owned by the listing agent.?
We are in NJ. We're interested in a particular house which we have an appt to see. I checked into the tax info and saw who currently owns the home. I just realized he is the real estate agent ...


 Moved out of apartment and off lease now my ex boyfriend wont let me get my things.?
I was on a lease with my ex bf and less then two weeks ago and i had to remove myself off cause of school purposes for my son. At that time i was involved in a bad car accident and was not able to ...


 Is it illegal for a realtor to help with down payments on a house?
I am trying to close on a house that had many issues on the loan. I've even got to the end, and the bank saw a judgement on my credit that the underwriter didnt catch. 2 mos later, my credit has ...


 Need $475 to pay rent?
...


 Will anyone rent to a person with bad credit and no recent job history?
I have money to buy a mobile home,but my situation is considered weird by some.

Married,but want to live by myself....



shawnp089
Is a landlord supposed to provice heat?
The house I rent has gas heat and I moved in with the tank empty. I cant afford to fill the tank.Its just to much of an amount at one time.should he have to fill it then charge me? I live in Oregon
                     
 




Beatrice C
Unless it was addressed in your lease you must provide the heating fuel.


jack of all trades
The landlord has to provide the mechanism for a livable space, and in this case he has. You have to pay for the fuel.


Sahara
It depends on the rent agreement. You should read it.
If it doesn't say so then it's your responsibility. Check out gas companies in your area and see if any offer a kind of payment plan.


sassssy
Rating
It depends on what your lease says. Does it say you are responsible for heat and fuel or that he is responsible for it. Some companies will fill it halfway if you ask them.


Judy1
Rating
It depends on what the lease says. Usually heat and electricity are the tenant's responsibility to pay for, unless the lease says otherwise.


vyperjeedai
You have to pay for the fuel, one way or another. I would suggest going and talking to your landlord about the situation. Your landlord may agree to fill the tank, then just add a little to your lease payments.


Weimaraner Mom
Rating
In Oregon this is what your Landlord is required to provide as far as habitable living conditions, while he is supposed to provide heat actually filling the propane tank might be questionable.

90.320 Landlord to maintain premises in habitable condition; agreement with tenant to maintain premises. (1) A landlord shall at all times during the tenancy maintain the dwelling unit in a habitable condition. For purposes of this section, a dwelling unit shall be considered unhabitable if it substantially lacks:

(a) Effective waterproofing and weather protection of roof and exterior walls, including windows and doors;

(b) Plumbing facilities which conform to applicable law in effect at the time of installation, and maintained in good working order;

(c) A water supply approved under applicable law, which is:

(A) Under the control of the tenant or landlord and is capable of producing hot and cold running water;

(B) Furnished to appropriate fixtures;

(C) Connected to a sewage disposal system approved under applicable law; and

(D) Maintained so as to provide safe drinking water and to be in good working order to the extent that the system can be controlled by the landlord;

(d) Adequate heating facilities which conform to applicable law at the time of installation and maintained in good working order;

(e) Electrical lighting with wiring and electrical equipment which conform to applicable law at the time of installation and maintained in good working order;

(f) Buildings, grounds and appurtenances at the time of the commencement of the rental agreement in every part safe for normal and reasonably foreseeable uses, clean, sanitary and free from all accumulations of debris, filth, rubbish, garbage, rodents and vermin, and all areas under control of the landlord kept in every part safe for normal and reasonably foreseeable uses, clean, sanitary and free from all accumulations of debris, filth, rubbish, garbage, rodents and vermin;

(g) Except as otherwise provided by local ordinance or by written agreement between the landlord and the tenant, an adequate number of appropriate receptacles for garbage and rubbish in clean condition and good repair at the time of the commencement of the rental agreement, and the landlord shall provide and maintain appropriate serviceable receptacles thereafter and arrange for their removal;

(h) Floors, walls, ceilings, stairways and railings maintained in good repair;

(i) Ventilating, air conditioning and other facilities and appliances, including elevators, maintained in good repair if supplied or required to be supplied by the landlord;

(j) Safety from fire hazards, including a working smoke alarm or smoke detector, with working batteries if solely battery-operated, provided only at the beginning of any new tenancy when the tenant first takes possession of the premises, as provided in ORS 479.270, but not to include the tenant’s testing of the smoke alarm or smoke detector as provided in ORS 90.325 (6); or

(k) Working locks for all dwelling entrance doors, and, unless contrary to applicable law, latches for all windows, by which access may be had to that portion of the premises which the tenant is entitled under the rental agreement to occupy to the exclusion of others and keys for such locks which require keys.

(2) The landlord and tenant may agree in writing that the tenant is to perform specified repairs, maintenance tasks and minor remodeling only if:

(a) The agreement of the parties is entered into in good faith and not for the purpose of evading the obligations of the landlord;

(b) The agreement does not diminish the obligations of the landlord to other tenants in the premises; and

(c) The terms and conditions of the agreement are clearly and fairly disclosed and adequate consideration for the agreement is specifically stated.

(3) Any provisions of this section that reasonably apply only to a structure that is used as a home, residence or sleeping place shall not apply to a manufactured dwelling, recreational vehicle or floating home where the tenant owns the manufactured dwelling, recreational vehicle or floating home, rents the space and, in the case of a dwelling or home, the space is not in a facility. Manufactured dwelling or floating home tenancies in which the tenant owns the dwelling or home and rents space in a facility shall be governed by ORS 90.730, not by this section. [Formerly 91.770; 1993 c.369 §6; 1995 c.559 §15; 1997 c.249 §32; 1997 c.577 §17; 1999 c.307 §20; 1999 c.676 §11]


Bob D
Rating
You have to pay for the propane. It is not the landlords responsibilty. It would like asking your landlord to pay for your electrcity bill if it had electric heaters in advance.


EvArtD
In Oregon, Since it is a neccessity, I would think that the landlord would have to fill the tank with the natural gas or propane, but then he would have to add it in as part of your rent.

Contact your local Fair Housing and simply ask if this matter is on the landlord or on you. Remember though that it is a simple Q and not a complaint per say. They'll be able to answer the Q for you better.


sarasvah
Heat is a necessity. Legally a landlord has to fix your heat. Do you mean natural gas? Or, propane?

Now, air conditioning, for example, is a luxury and he wouldn't be obligated to fix that.


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