 Where in the house does people hide their money? |
| Does people save cash in their house? If so where at? and How much ?... |
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 My boyfriend can't find a cosigner...Are there alternative ways to getting one? |
| He's 18, only had a credit for about two months, and doesn't have a good relationship with his parents. He's fully able to pay rent ($600 a month and under), since he works 40 hrs a ... |
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 What are the steps for moving out of a house that you own? (with the whole family)? |
| I constantly think about moving out of state, but we own a home. If I get a job in another city, what are the logistics for moving out of the house and not getting into a financial nightmare? I ... |
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 Foreclosures? |
SOMEONE PLEASE HELP!
Me and my family want to buy a foreclosure house in North Fontana,CA but we cant find any that we can buy that are real estate owned or how ever you buy foreclosures. We ... |
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 What's a warranty deed? Why would a buyer ask for a survey, if seller has a w. deed from orig. plot lines? |
Yes I looked it up on line, but I don't understand what I read. Can someone put this in plain english for me?
I'm curious, because a buyer wants my 64 acres surveyed prior to ... |
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 Wrongful eviction? |
| Please help. I been in this trailer park for over a year. The other day I got home with a note on my door saying, undiserable tenant. (eviciton notice) The next day I talked to the manager to ask ... |
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 Mortgage/loan confusion....? |
| Here's my situation... I am self-employed and have been for almost 3 years. I have the past 2 years tax returns... which don't total much in profit at all. I am looking to shift my business ... |
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 What kind of offer should I make on a house? |
| I found a house that I would like to purchase. The asking price is 157,500 (about average for the area). I was wondering if anyone could give me some input on how low of an offer I could make. I ... |
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 Help! Im scared and really worried!? |
I was browsing on craigslist and found an ad with his phone number and email advertisng my place for rent as of Nov.Ist. My contract does not end until March.
My boyfriend sometimes parks ... |
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 How easy is it to get a mortgage with adverse credit? |
| My landlord has just told me that he is selling the house we rent. He has said that we can buy it for £130k, but I don't work as I have 2 young kids (can't afford childcare etc) and my ... |
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 Buying my own place? |
| this isn't really a question, more of a rant. i'm 19 and live in hackney, east london. i'm working as a teaching assistant and earn about 900 a month. my parents are driving me crazy ... |
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 When is a rental lease agreement binding if we sign the lease before the actually date the lease starts? |
| My wife and I signed a lease on 25 October 2008 to rent a home to accommodate the LL because they live out of State. The Lease agreement does not start until 1 NOV 2008 as stated on the LEASE. When ... |
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 If your landlord is forced to sell house in divorce, does the tennant have any rights and what are they? |
| Our landlord tells us we have nothing to worry about but he then brought a realtor to the home in question, along with his soon to be ex wife, and later told us that he has to put the house on the ... |
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 Will landlords combine rent and utilities if requested? |
| We are looking to rent a house for our first time, and while looking at ads I noticed some of them have rent and utilities combined and others say $---- rent, + utilities. Is it something unusually ... |
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 Can you work with your mortgage lender to have them willingly lower your principle balance? |
| Has anyone done this? Also, will this negatively affect your credit score? I would think the lender would rather lower your principle balance than face foreclosure.... |
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 2nd Mortgage help! I need a lender with balls...? |
| I need to refinance my second mortgage but most brokers that I've worked with shoot us down. We reworked out 1st mortgage about a year ago due to my wife being out of work. We were able to avoid ... |
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| Can I refuse to allow my land lord to enter my home? |
| I live in an apartment complex and they are constantly sending out 24 hour advance notices to let tennants know that they will be entering the apartment on a certain day between certain hours. S... |
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 I don't have any credit. Is it still possible to get a loan to buy a house? |
| I work full time and have been at the same job for 8 years. My husband also works full time. We both have good jobs that pay well. Our problem is that we don't have any credit at all. We don&... |
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 Buying a property ? England answers only please.? |
How does a 20 year old purchase a property, that costs £200,000 ?
Since she is only young can she get a mortgage and pay it off, during her life ?
Thanks, best answer gets 10 points.
<... |
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 Should we shop at around at diffrent banks for mortgage rates? |
| My husband and I are first time home buyer's. We didn't kow if it was better or worse to let several banks run pre-approvals. I wasn't sure if it would hurt our credit for a bunch of ... |
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ronidl76 | Is consolidating your bills a good idea before trying to get a new home loan? |
The way I look at it, I'll be out of debt at the end of this year, not including my car and small student loan...yeah, I know. I made a lot of stupid decisions. I DON'T have bad credit. I've had 2 homes and sold them both. I can get a mortgage loan, but wanted to get the next one when I only had a car payment and very small student loan.
Here's the problem...since selling my last home, we've been staying with family, so we can get out of debt. I don't know if I can stay there all year.
The only reason I am asking, is because I would like to have a small monthly payment for all my debts, as opposed to many. Is that a good idea, or do mortgage companies frown on that?
Additional Details
I DON'T HAVE BAD CREDIT, JUST WANT TO BE OUT OF DEBT!
Why does someone always miss that part? |
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slcfisher75
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Former loan officer here. Mortgage companies don't necesarily frown on how you pay your debt. As long as its being paid. They are more interested in your debt to income ratio. (DTI), income, and your credit scores.
The problem I've seen is so many people roll their debt over into one loan. Its great for those of them who really learned their lesson and stop spending beyond their means. But EXTREMELY hazardous to those who continue to spend AFTER they have rolled debt over. And far more often then not, I've seen people who want to control their debt, but don't. Eventually they need to re-finance until their upside down in equity! |
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Gerald
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NO -- go and apply for a pre-qualifying home mortage loan. The banker will tell you all they want you to do. They will also tell you how much $$$ of the house you can afford to purchase with financing... |
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teknodogg
 |
if I were you...I'd pay off all your debt first....stay with the family
debt consolidation isn't a great idea =/ it'll drag out your debt and on top of that you'll have to pay a fee to the company etc
why would you want to put yourself in more debt and buy a house when your family is offering you shelter while you pay off debt??? not a smart move.... |
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Nick Z
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If you want to save money, then stay out of debt.
When you borrow money to buy something, then you end up paying a lot more for it than the original price. Because your interest payments add up over the years.
I suggest that you pay off all of your loans as soon as you can and don't borrow any more money. Quick gain at the expense of long-term pain doesn't make sense in the long run. |
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Holmes C
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usually it is a good idea, especially if it lowers your payments going out each month. Watch out though that you do not have to many creditors pulling your credit before you buy, it will lower your FICO score and could affect the interest rate you get on your loan as well as the loan terms.
Money lenders are tightening their belts, so be careful. |
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Chelsea Handler kicks @ss
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Many times when taking out a home loan they will pay off the debt for you and include it in your mortgage...or you could take out a HELOC once you purchase the home to pay off all the debt in one shot...one of the others stated that they don't look at debt as bad as long as it is being paid on time and that is 100% true....but, if not paying off your debt before buying a home will make financial matters tight...then not a good idea...our country has the highest foreclosure rates on homes we've seen in decades... |
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Britney
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I think the first thing you should do is consolidate your bills with a consolidation company, then save up 10% of however much the house will be (for the down payment or your APR rate will be sky high!) and then start thinking about getting a new house. |
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