 What can I do about my apartment's leaky roof? |
| I complained to the landlord almost 2 months ago. They told me when the roof dried they would call a roofer. We had drought conditions for about a month and nothing was done. I called again last ... |
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 Are you ok with buying a foreclosure home? |
| i mean do you really feel comfort to buy a home which it ex-owner is kicked off(please give me serious answers)... |
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 My 80 year old tenant pays me in small bills and coins. It annoy's me, should I evict her? |
| She doesn't believe in checks and money orders. Just wrinkled up cash. It takes up too much of my time to have to count it. I could get more rent out of a new younger tenant.... |
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 Why would a lender not allow a tenant to AT LEAST finish a 6 month lease on a foreclosed property? |
http://www.cnn.com/2007/
If a tenant that had signed a lease before a property became foreclosed is paying his/her rent on time and ... |
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 Should I accept 2 Checks every month from a tenant instead of 1 check? |
Hello,
I own small office property. I have a new tenant who for accounting purposes ask if it is ok for him to provide me 2 checks per month -- he will still pay on the 25th every month -- ... |
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 What is the cheapest you can buy a decent house in a decent neighborhood in your area? |
| I'm always amazed at what some homes go for on the TV show "Flip This House". So I'm curious what part of the world do you live in, and what's the cheapest you can buy a ... |
|
 My mother wants to put me on the title her home because she intends for me to own it one day.? |
| She is going to buy a new home in a retirement community. Will there be financial problems associated with this if just I am on the lease or the both of us? Can the transfer be done simple and ... |
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 Help me explain difference between breaking lease and eviction? |
| I need help explaining to a friend that they are wrong to think that if they just stop paying rent on the remaining for months of their lease that they will get evicted and not have to pay anything.... |
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 Landlords for tenanted houses help please?? |
i rent out a house which i've had a tenant in for about 3 years.
he is complaining that some of the walls are marked and could do with a fresh coat of paint.
i'm not hugely ... |
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 Is a finished basement counted in a home's total square footage? |
"finished" = sheetrocked walls and ceiling. Carpet over cement.
Thank Y... |
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 Can I take my refrigerator, stove and microwave upon moving out of the condo that I bought? |
| I bought a condo and now am moving out. No one has bought it and it is not yet on the market. Can I legally take my appliances with me?... |
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 Should you rent or own a home? |
| Need opinions from consumers who would prefer buying over renting.... |
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 If you have an eviction will some apartments still rent to you? |
| I have an eviction and don't know how much it is and I need to rent an apartment but I want to find one that will take us even if the eviction is not paid off.... |
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 Rental Question? Who is responsible? Landlord or Tenant? |
Last night a piece broke/cracked on the water boiler and our basement flooded (over a foot of water).
I am renting a town home. I called the leasing agent this morning and instantly the manager ... |
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| What is a Timeshare? |
| I see advertisements about this on ... |
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 Eviction noitice? |
| my husband was hospitalized the whole month of june, lost his job and had to file disability as he wont be able to work ..our landlord told us they would work with us until he got his claim..now were ... |
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| Would i be out of line by performing monthly interior inspections at my rental properties? |
for some reasonsome tennants dont report when things are broken and or tend to be ruff on certain items,heaters, garbage disposals so and so forth.
Additional Details
im not being nosey ... |
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 Is there anything a tenant can do against a landlord wrongly withholding the deposit? |
I am due to leave my rented property by the end of the month - my landlord has started to show the signs of him trying to withhold the deposit (c.£2k).
Namely he is claiming that leakage ... |
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The Lady | Is it smarter to buy your first home through a bank, credit union, real estate, mortgage co, or where? |
Please email me also at MsWebTalker@yahoo.com. We are over cautious and do not know exactly what is what and who to trust. |
 |
 
glenn
 |
I agree with the business Mom.
Ask a few of your friends or relatives who they have gotten home purchase loans from recently. Pick someone that has a good local reputation. Do not try to do your loan long distance over the Internet. If you have any question or any problem you will want the option of being able to drive over and talk face to face with the people.
It won't mater which of those concerns your highly recommended loan officer is with.
Now that takes care of the loan. You will also be dealing with a Real Estate Agent-the seller pays his commission even though he will be working for you. Find that agent the same way-through recommendations from friends. That agent will help advice you about neighborhoods, inspectors, prices and much more. |
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traciatim
|
I'm no financial expert but I just went through the purchase of a home. I found it most beneficial is to get 2 banks that you would like to deal with and also get a mortgage broker. Make sure each know that you are shopping around. If they know there are quotes from other sources they will be far less likely to sell you in to something that you don't want or need. |
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Blue October
 |
it is wise to be over cautious. good for you!
stay away from internet offers
I always suggest to people to only utilize your local banks and local financial institutions. the reason is that 1) of course they are local and easier for you to contact, 2) you have a history in the community and 3) you are keeping your business local and assisting in the building of the local community.
if your credit is good...you will qualify for approx the same rate across the board.
I will also recommend - please stay away from ARMs(adjustable rate mortgages)
get yourself a 30 year fixed rate - no pre-payment penalty
loan and attempt to put down a min. of 20%.
good luck in your searches |
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wranglerdave27
|
i'm the owner of lyon reality and i say you choose what feels right for you just make shure you rate is fixed and non ajustable un less you want to buy a fixer upper at pennies on the dollar i say use your own bank first cause after all you already do buesnes with them and thay can help you out in so many different ways |
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John M
|
You should find a Realtor that you click with and like if you choose to use a Realtor. Same goes for a mortgage broker. Ask friends, family or colleague's for recommendation's first. You are right to feel cautious. As a mortgage broker I can tell you that there are more bad "apples" than good ones in the real estate business. Another source of references for real estate professionals will be the state licensing boards in the state and community that you live.
Good luck and congratulations on your new home purchase. |
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First Pacific Financial
 |
That is a very broad question, but it really depends on your current financial situation. If you do not have perfect credit or near perfect credit you may need to contact a mortgage broker. If you have great credit and a nice sum of income in the bank, a local bank or credit union may be a great solution. The first thing you should always do when you buy a home is get yourself pre-qualified/pre-approved so you know what your affordability. A good tip to follow is do not get a loan with a low intial payment like (interest only/neg amm./ARM), because you may set yourself up for an unpleasant suprise 2-3 years later (payment shock). Make sure that you have at least 2-3 months of your mortgage payments in the bank for reserves as well that will help out a lot. Lastly in todays market it is a good idea to have a decent size down payment ( 10-20%) so you have some extra security. If you need any further information feel free to contact me on my email rdezy2583@yahoo.com for more information. Good luck :)! |
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Aayld
|
You will most likely buy a home from its current owner/builder. To do this you may want to use a real estate agent to help you search for your new home and negotiate the best sales price.
You will need a bank, Credit union, or Mortgage broker for the loan used to buy the home
If you have a credit union you bank with that would be my choice. You already have a relationship with them, this may make the process easier. Also the fees many credit unions charge for processing the loan are less expensive then other choices.
My second choice would be a mortgage broker they have access to many loan programs and can offer specialty products( low doc, 100% loan to value, etc).
Banks in my experiance generaly have more requirments and less faviorable rates.
Just shop around like you would for any other major purchace.
A good real estate agent will be able to point you in the right direction for your loan, but remember both the real estate agent and the lender only make money if you buy the product they are selling. So ask questions if you dont understand the answer ask again! |
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krogers160@yahoo.com
 |
depends on your credit.
Credit unions are usually the best. Basically whom ever you feel comfortable with. |
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freddy
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it makes no difference about where you obtain financing. be smart if your not a realestate lawyer and obviously are concerned as you are, i would highly recommend one that is working for you. banks,credit unions, mortgage companies often buy and sell mortgages, dont think you are an exception. its all about the bucks so i would shop smart for the lowest rate possible and get the seller to pay as much of the closing costs as possible.that what i did,it workes. |
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txpainthorse
 |
It is wise to shop around for the best loan. If you can, put down as much as you can and also have some in the bank, if possible. Keep in mind that if you fill out many applications with mortgage and banks, each will contact the credit bureau and run a check on you. This will lower your score somewhat. Just a thought. |
|
es
 |
Go to www.lendingtree.com- you will get different quotes from different lenders. When shopping for a loan, look at the additional fees as well. You should receive a Good Faith Estimate and a Truth In Lending statement. Your fees should all be spelled out.That matter a lot.
p.s.- because of the sub-prime lending debacle, which is now entering the prime mortgage markets, you may find it hard to do anything other than a plain vanilla 15 or 30 year fixed mortgage. You will need 20% down for these programs, or have to pay for PMI (private mortgage insurance). PMI can add several hundred dollars per month to your monthly costs. It will impact how much money you can spend on a home. So, get qualified before you go shopping. Talk to a reputable lender in your area- either a mortgage broker with several products available- or your local bank or credit union. You may also want to try FHA. Best of luck to you! |
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