 Changing Mortgage? |
| If I think my mortgage is much more that what the house is currently worth, how can I get my mortgage amount adjusted?... |
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 A real estate appraiser is coming to our house tomorrow - anything special I need to know? |
We are refinancing our house and an appraiser will be out in the morning. Besides cleaning, is there anything I should do to make our house look great?
Thanks!... |
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 Problems with our tenancy agreement? |
| My tenancy agreement states that i have 2 give 2 months notice before i leave. however, my landlord hasn't rectified the following problems that we have advised of: 4 heaters not working (hence ... |
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 I live in las vegas and with the market's turn the house that i'm buying that was worth 350 last year is now |
| appraised for 300! the appraiser just came last week and that's what he appraised it for. it will go back up again, right? here in vegas so many houses are in foreclosure and people and i'... |
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 Landlord issue? Heat issue? |
| When I moved into my apartment, I was told that we had no air conditioning and I wasn't allowed to have a window unit because the building couldnt handle the voltage. But my landlord told me it &... |
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 IS this legal? |
| My friend and his family moved into a house here in our small town in missouri,but maybe getting evicted because the landlord does not allow visitors of anykind,ever. No family,no friends, no nothing?... |
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 How can i get an estate agent to sell my house quicker ? |
| My house has been on the market for about 6 weeks , how can iget it to sell quicker , without selling it for nothing , we are emigrating so i need to get as much as possible for it but it seems not ... |
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 First time homebuying? |
| can anyone help me how do I know if I qualify for a home loan?... |
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 Can this old lady sell her house? |
| An old lady neighbour has gone into a care home. She wants to sell her house to pay for her 'rent' at the home when her savings eventually run out. She has appointed her niece (she has no ... |
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 My husband and I bought a house and we need to terminate our lease. our landlord is being a jerk! Help!? |
| I entered into a twelve month lease while my husband was deployed. Once he got home we decided that we wanted to buy a house. Therefore, at the beginning of August we found a house that we really ... |
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 Would $50,000 annually be enough to live in San Diego? |
...right on the beach?
Additional Details
I'm single. I would move there for the constant beach activities. I love partying. I would have a moderate car, like a Civic (stock).... |
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 Landlord Question!!! My tenants ruined the carpet, shouldn't I use the deposit to replace the entire carpet? |
| I collected a $600 deposit on a home I rent. The carpet has some major stains that I know were not there before, and it won't clean up by steam cleaning it. You can't just put a new piece ... |
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 Does it make you happy to see greedy home owners keep dropping their selling prices? |
| They have all gotten so used to mega appreciation. Now finally the prices are coming back down to earth; at least in some areas of the country.... |
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 Nice apartment, but in a funeral home? |
| So i am looking for an apartment and I found a great deal and apartment is newly remodeled and perfect for my needs, but its in the same building as a funerall home. Should I not take it because of ... |
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 What are my rights as a Renter? |
| My Mom and I live in a house her BF owns in SC. Six days ago he told her he has the house sold and we had to be out by last night. That gave us only 5 days to find something, move and relocate. We do ... |
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 What would happen with my house if I stop paying the second mortgage which I can't afford? |
| I can only afford to pay my first mortgage and I can't refinance the loan because of the decreased home value and bad credit.... |
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 Can our landlord cut off our heat ? |
| I live in Ohio and we have had nothing but problems with the heat in our apartment building. The broiler is old and the landlord has known it has needed repair for at least three years ( that's ... |
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pas l | Is it true that a mortgage broker is not allowed to give me a copy of my credit report that he himself pulled? |
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 |
 
Carolinahomerates.com
 |
depends on the mortgage lender. MOST lenders do not allow the loan officer to send a copy of the credit report....like lendingtree, bofa, etc. Most mortgage lenders do not want to be titled credit report agencies. This is why they will seldom provide the credit report AT CLOSING.
P.S. Most brokers pay for your credit report, and dont like to release it w/out you paying them first. |
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Darlene C
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yes he is allowed...this way you can see the report and decide what accounts may need to be paid off or see what accounts may be delinquent ...you need to see what creditors are reporting you, or what my be hurting your credit score. He IS allowed! |
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Expert Realtor
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Nope. That nutty rule was done away with by credit reporting agencies YEARS ago. It used to be part of their contract that they could not give a copy to a third party (which believe it or not, is you), but that was removed a long time ago.
He obviously doesn't stay updated, so I would find someone else to do business with. He just doesn't want you to know that he is probably handling you a line of BS...which is a common scam to make you think that your credit is worse than it really is.
Find another broker. |
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bdancer222
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I'm pretty sure my broker gave me a copy of mine when I refinanced.
Maybe it's just his policy. |
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godged
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It may be a company policy that the broker not give you a copy of the report. There is no lending or banking regulations that prohibit you from receiving a copy of your report.
Maybe get a new lender.
If you are interested, try http://www.annualcreditreport.com - no pressure to buy stuff you don't need like free credit report's website will shove down your throat. |
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TheMom
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In CA he is REQUIRED to give it to you, it actually BELONGS to you, not him. |
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Leo F
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Yes it's true. When you sign up to be able to run credit reports they make the company sign a statement that they will not share the information with anyone including the person the report is about. It not a law it is a agreement with the credit agency. If they find out you do they will stop your access to the agency and will not be able to pull reports. As usual most people don't know what they are talking about here. |
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j dddddd
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i was told they are not allowed because thats how the credit report people make their money, from people paying for a copy of their own report. although last i knew, everyone gets one free one a year. not sure if that changed |
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♥Sweet♥
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He is "allowed" --that liar. You are entitled to a copy any time they pull your report, after all, its your information. Tell him you'll take your business elsewhere if he won't fork it over! |
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jvr1
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We were told that also when we bought our house. That was just a year ago. We live in Oregon. Im not sure if its according to which state you live in or not. It didnt make sense to us either. |
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