 Bank of america home loans? |
| bank of american has a special offer on home loans which includes, $0 application fee, $0 closing fees, and no private mortgage insurance ...has anybody used this deal from bank of american to buy a ... |
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 Is $12.78 enough to live somewhere that is $1,055 a month? |
So I work a steady job, 40 hours a week. I make about 900 every two weeks. Would I have enough to afford an apartment that cost $1,055 a month?
Additional Details
I dont have any credit, ... |
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 Single mom tired of renting - NEED HELP? |
I am a single mother of 1, with low income. i have a roommate with good income. But both of us have questionable credit. we pay 1050 for rent now plus all utilitys.
Is it posible for us to buy ... |
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 I paid for an appraisal to refi. Dont I own the appraisal? |
| The first lender who ordered the appraisal came back with ungodly fees and interest rates. I would like to shop around for a better loan. Now other lenders want an appraisal as well. The appraiser ... |
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 Landlord controls sprinkler system, I pay water, is this right? |
| My landlord installed a sprinkler system and waters the grass constantly. Water costs more than gas and electric. How do I handle this!?... |
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 Why hasn't the government jumped in to help people in foreclosure because of predatory lenders? |
| I am in foreclosure in Maine because a lender set me up for a payment I could not legitimately afford, and am losing my family home that I have owned for 20 years, and my grandfather owned for 20 ... |
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 I bought a mobile home located in a park where i pay lot rent. Is it legal to make me pay for past due rent? |
| The past due rent is from the previous owner. When you anwser, please refer me to the law that supports your anwser. The residence is located in Gautier, Ms/... |
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 What is it like living in florida? |
Cost of Living
Colleges
Entertainment
Additional Details
Well thnaks everyone jsut about the weather & the cost of living seems 2 be the cons here, but i rather live where ... |
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| Can I survive on $30,000 a year? |
| I am moving out and getting a roommate in Dallas/ Fort Wort, and i wanted some feedback on this question...... |
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 Evicting tenants ,changing locks?? |
i have a friend who was in need ,she had no deposit,no bond for a house.i was due to move ,so i rented her mine .i left it fully furnished ,very expensive audio equipment ,tv etc.
i have heard ... |
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| Why do people in the UK now buy property in Bulgaria? |
| The are a lot countries closer to the UK then Bulgaria. I don't think property is particularly cheap there..only compared to th UK..not compared to the Netherlands, Belgium, Germany, Austria, S... |
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 A question about the legality of this situation? |
| So my best friend and I have tried to get an apartment together, in the state of Texas. We applied, signed our lease, got our keys. A day later (thankfully we haven't moved in yet!) we get ... |
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 Would it be good if everything was free? |
utilities,gas,house,autos,everthing we pay for now
what would happen?... |
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 Can a tenant sue for their sec. dep. if they broke their lease and caused over that amount in damage? |
| I am a landlord in MA. My tenant moved out 2 months before there lease agreement was up. We didn't find new tenants until a month later. We sent the tenant that moved out a letter stating the ... |
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 The council refused to house me, they said I made myself intentionaly homeless! Have you experience this? |
Additional Details
Little Miss Berry, What details do you require?my email is on there you can email me as well.thanks.... |
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| I was going to make an offer on this house ,but the estate agent told me I had to pay them £120? |
| I am talking about scunthorpe,in north lincs.I liked this house on the internet.I told the agent on the phone I would probably pay the asking price if I liked it (this town is 300 miles away from me) ... |
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 Is it legal for my landlord to ask for a photocopy of my ss card? |
| I recently put a downpayment for an apartment and the landlord told me in order to sign the lease I need to bring a photocopy of my driver's license and social security card. Is that even legal? ... |
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 What does having a 3 days grace period for rent mean? |
| If my rent is due on the 1st, when it the last day I can pay before there is a late fee? If I pay on the 3rd, will there be a late fee?... |
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bridgetteb111 | Is it impossible to finance a home with bad credit..? |
no bankruptcy, foreclosures, or judgements.. nothing major like that.. just poor credit. |
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mazziatplay
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No it isn't impossible to finance a home if you have bad credit but you will need to be realistic about your interest rate, loan program , and loan costs expectations. The most competitive rates and fees are offered only to those with good credit.
It is a bit like the "he who has the gold makes the rules" adage. The more of a challenge it is to get your financing, the narrower your choices are going to be.
A great deal depends on just how low your credit score actually is. If you can improve your score enough by making timely payments, paying off unpaid bills, etc. within the next 2 to 3 years that you could qualify for a better rate and program if you refinanced, you may want to consider taking a loan that is a fixed rate for 2 or three years at a lower rate than you could get for a 30 year fixed rate loan now. That loan may have a 2 or 3 year pre-payment penalty but as long as that pre-payment period does not exceed the term of the fixed rate you might benefit.
Some lenders also offer loans where the rate improves as your as agreed payment record continues.
Be careful, read everything, ask lots of questions, there are predatory lenders out there who prey on those in your circumstances.
Feel free to contact me for further information or to help you evaluate financing offers. |
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;)
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It is, but you will most likely have an outrageous interest rate and monthly payment. |
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ernestmisyuk
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Where do you want to buy a home, I can work out a lease with option to buy for you, or I can finance with a higher interest. www.dlmproperties.com |
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sausalito771
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I am not sure. I have a bad credit scoring (nothing major though, the owrst debt i ever had was £600) and i struggle whenever i want a credit card. |
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gtofinancial.tomvoli
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What you describe can be quickly improved to scores that will get you better rates. Yes...you can qualify for a home loan with poor credit but the rates and fees would be high.
Here is some additional info. Hope this helps. |
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shannadee1
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It isn't impossible, but it will take alot of work. It's all about finding someone who will work with you. Do you have a job which you have been with for a reasonable length of time? That would help. Do you have any savings for a down payment? Or anything for collateral? You may have to put down a larger down payment or buy points on the loan. Shop around on the internet - there are hundreds of companies who will call you and let you know if they can work with you to get a loan. |
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notyou311
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You might be able to do it with a large down payment. The house market is way down these days so people are open to almost anything. |
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epelham54
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No you can get a home the best way would be to try and find lease with option to buy the owner may hold the note. I found this out in some programs I bought that helps you get you credit back up and helps with even buying cars. Its call Coming Back Strong Financially the have a website by the same name. I use these programs all the time |
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dajuan_n_only
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Well generally if you have a 580 middle score you will be elligable for 100% financing. At http://www.justgetaloan.net we have helped many clients such as yourself locate mortgage loans at low competitive rates, with great terms and service despite their credit history. Fell free to log onto the site look around and fill out a complete application. You will be able to get a pre-qualification in a short time. Also feel free to contact me direct Jenold Freeman at 866 530 7300 ext 7305 or by email at jfreeman@justgetaloan.net |
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L
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Yes, but it's not easy. Need to have a larger down payment, and usually a co-signor...also called a guarantor. Some banks require more than one guarantor. That's so if you default, they cannot only repo the home, they can go after your co-signors for any costs or shortfalls.
Oh, and be really careful about the non mainstream mortgage lendors that say ...bad credit...no problem..... The interest rates they'll charge will be outta this world. You'll never get the mortgage paid down, and they actually hope you default, cause not only will you have no equity (because all you've been paying is the interest) so they'll have your payments, plus whatever they get after selling from a repo.
Try the bank route with a guarantor first. |
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