 It's been two months since I moved out of my last apartment, my landlord has not returned my security deposit |
| My landlord have not returned my security deposit or charged me for an damages. I called her to remind her that I have not received my security deposit. We cleaned the apartment, shampooed the carpet,... |
|
 Do I need a lawyer for closing on my house? |
| My husband and I are closing on our first house on Friday. Do we need a lawyer to accompany us? Thanks!... |
|
 Apartment...upstairs or down? |
I am going to be moving into a new apartment in the next few months and I am undecided if I should look at a down stairs or up stairs apartment.
At the moment I live in an up stairs, so I am ... |
|
 What would your starting offer be? |
| The house is listed at $169,900. It has been on the market for about 200 days and was originally listed at $179,900. It appears to be in good condition (current owner is a carpenter) and looks modern ... |
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 I have rent in arrears and won't pay as I'm gonna leave the UK permanently? |
What do I risk? Interpol searching for me?
Additional Details
I rent from an housing association, notb a private landlord, and they doubled my rent x2! I can't afford it and need ... |
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 Do I have to honor a lease that was signed based on claims that weren't true? |
| I was told the following when showed my apartment: 1. I can get DSL internet. (very important - most of my classes are taken online. Turns out, I cannot get DSL and there are no phone lines set up ... |
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 What should i do with this situation? |
| i had the list agent show me the house and im thinking about making an offer. but the list agent is not happy with me because im thinking about getting my own agent. so what should i do? ignore her ... |
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| Can i evict some one with out notice? |
| I own my home, there is no lease agreement. The guy is very rude and changeing every thing in my home. He is very demanding. Has been here only a month. He says he will leave when he is ready to ... |
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 Identity theft: If somebody stole your identity and bought a house, how would you know about it? |
| Identity theft: If somebody stole your identity(such as social security number) and bought a house somewhere, how would you know about it in time before it's too late?... |
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 How can i sue my mortgage broker for lying 2 me? |
| my loan officer for the 2nd time has approved me for a loan and it failed. the 1st time we moved in on her word we were closing on such and such date. on the way to the closing i recieved an email ... |
|
 Landlord wants to charge late fee? |
| My rent is due on the 1st of the month, i mail it out on the first of the month but my landlord is trying to charge me a late fee because his bank doesn't clear it until after that. Can he due ... |
|
 Should i move back home- please help? |
| so i moved out to a great place where the rent of 840 (it's a one bedroom) i thought since my bf's lease was going to be over he would move in with me and i would defitely afford the place, ... |
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 How do I force a renter to move? |
| I was recently divorced and received a home in my settlement. Notified renters 1 month ago to move. They told me today they will not move until forced to do so. The renters are "system savy"... |
|
 How can I collect unpaid rent from a past tenant? |
| We had to evict a tenant for not paying $4425 worth of rent. She actually showed up for court, and agreed to pay back rent, right in front of a judge, so we have a signed court order. It's been 9... |
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 When renting and it says no pets on the lease does that mean no pets? |
| We don't have a dog sadly she passed away and soon will be signing up for a new house to rent we at the moment we don't have any pets when it say's no pets would this also include no ... |
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 I am so frusterated. Will I ever find a house? |
| I am 19 years old and I just got prequalified on my own. At my age and income, I wasn't prequalified for very much ($85,000). Right now I live an hour and a half away from work and need to ... |
|
 Are we as landlords responsible for a broken toilet seat? |
| We rent a property to a lady, who has lived there almost 18 months. We fitted a new toilet seat when she moved in. The company who manage the letting have informed us the seat is cracked. Are we ... |
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 A man sold his house @ $100K this year, Sales Price is 40% over the orig.purch. price. What is the orig.purch$ |
a man sold his house @ $100K this year, Sales Price is 40% over the orig.purch. price. What is the orig.purch$
a.$600K
b. $625K
c. $400K
d.$715K... |
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Grisham | Is locking in at 6% on my 30 year fixed mortgage good? |
What do you all have? |
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El Luchador
 |
Yes, 6% on a 30 year fixed is good - just make sure it's quoted with 0 pts and 0 origination fee. The 5.62% by bankrate.com that Daphnie references is bogus.
Always remember - rates are affected by your credit score, property type, down payment amount, loan product, points, origination fee, and loan term. |
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Jamie
 |
Take it. We're at 6.25%. |
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dwayne j
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i wouldn't frown on it in today's market. i have 5.5% 15yr fixed. in my 5th year so far. you probably have a low enuf payment to double up and pay it off 1/4 of the time,huh? |
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Classy Granny
|
That's excellent. If the rates ever got lower (doubtful) you could always refinance. |
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beez
 |
Sounds good. But before you do, find out what points you are going to have to pay. |
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mcmoehring@sbcglobal.net
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6% is good if you did not pay any points. |
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L
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mines about 5.3% played it safe with fixed rate a while ago. |
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bar_two_123
 |
That's exactly what I have. |
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rgs3girls
 |
Most definitely just make sure that you don't have any hidden stuff in the loan, read the full disclosure. I have an 8 % FHA for 30 years. |
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godged
|
Don't forget about closing costs. Some lenders offer a good rate, then hammer you with all sorts of transaction fees which can cost you thousands.
Do not just look at interest rate, obtain a good faith estimate of closing costs from the lenders you are considering. That way you can compare apples to apples, not just closing costs. |
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Business boy
|
yes thats really good, im pushing almost 10% |
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jwishz
|
I suggest seeing what you can do on a 15 year mortgage. The monthly payment isn't that much more and you pay back much less over the term. |
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Daphnie J
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This is a decent rate, but you can get a lower rate by shopping around a little, according to bankrate.com a 30 year fixed @ 5.62%.
Also consider buying down the rate. You can pay 1 or 2 points if can afford it. Speak to your Loan Officer to see what your option are concerning a buy down. |
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Jami W
|
Yes, 6% is good. |
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Kevin M
 |
Yes that;s good |
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Pilgrim
|
I had 6 5/8.
There's a trick to paying off a loan in less time.
As soon as you can after buying your house, get an ELOC (equity line of credit). DON'T use it for anything else but paying off your house. I'll tell you how to do it:
Your mortgage is a 30 year loan. Compound intrest accrues on the unpaid balance. The ELOC is simple interest. You don't want to pay a simple interest loan over 30 years, but if you can squeeze out a couple hundred a month, you can knock down tens of thousands of dollars off your 30 year loan by paying say 2,000 from your ELOC onto your 30 year mortgage, then paying the ELOC off with your 200 a month until it's paid off.
Removing 2,000 from the principle of a loan that compounds interest over 30 years saves you minimum 1,000 over that time.
By doing this over and over year after year, you can save bundles.
Another thing you can do to save money is to make sure that during the escrow you force them to show your title as a private property, not a commercial property. Property ownership is a constitutional right, and constitutional rights can't be taxed. They can only charge property tax on commercial properties.
If you ever get a property tax bill, just ask them why they're taxing a private property and they'll have to stop. |
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