 Tenant is doing childcare out of house, shouldn't she have gotten permission? |
| I just found out that my tenant is doing childcare out of the house I'm renting to her. There's an electrical problem, and I'm having an electrician come fix it, but she says to me ... |
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 I have lowered my price on my house again? |
| My house has been on market for almost 90 days. Market is bad. I lowered the price 10,000 2 weeks ago and last week lowered it anohter 20,000 to get it sold. Only 8 agents has shown the house. My ... |
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 Why don't estate agents put the asking price up on their "For Sale" board's? |
Additional Details
If it's OK for old Bob down the road to stick up a bit of paper in his old Ford Fiesta saying:
FOR SALE
New MOT
6 Months Tax
Good ... |
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 What is the best type of mortgage if I only plan to stay in the house for 4 years? |
| My job is transfering me to a temporary postion that will only last 3 to 4 years max. What type of mortgage should I get to get the lowest monthly payment since I know I will be selling in 3 or 4 ... |
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 Can I request reimbursement from the landlord, for not having the working phone line? |
| I got charged $55 by AT&T for having the technician fix the phone line with no dial tone. So, I am wondering if I can ask my landlord to reimburse that amount since they are supposed to have at ... |
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 Any legal recourse if lender over-appraised home and now i can't sell it for what i owe them? |
| I borrowed $400,000 in 2006 when my condo was "appraised" for $560,000. The loan balance is currently $405,000, plus I have two more years before a $14,000 preppayment penalty is waived. M... |
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 Does anyone know how/where i can advertise for roommates in san francisco? |
| im going to be attending college in san francisco and my parents are thinking of getting a condo that me and some roommates can share. but i have no idea how to advertise for roommates. can anyone ... |
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 A friend backed out of a deal and has created a huge problem, what do I do? |
| I've been thinking about this and haven't decided what to do. I'm interested in some opinions. A friend rents out rooms in his home and I heard about an opening. I asked if he was ... |
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 First time home buyer what to do?? |
| First time home buyer...anyone know of a great bank, mortage, that helps you out alot if your a first time home buyer. Is it true that there is a First time homebuyer Loan?... |
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 If my landlord charges me more for rent then the other tenants is that against the law? |
| I want to know if it's against the law for my landlord to have me sign a contract with me paying more rent then his other tenants and how do I go about the issue. It's not a fact just a ... |
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 If you buy a new house and walk away from your old one, can't they put a lien on your new house? |
| My sister wants to get a new home and walk away from her old home. Can the bank connected to the old house do anything to the new home such as put a lien on it in order to collect the debt or do ... |
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 Returning a deposit to a tenant? |
Hi
I am trying to understand the rules about returning a deposit. I have a tenant who has been smoking heavily in his room, spent about two weeks sleeping on the bed without a sheet and has ... |
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 Made an offer on a house 6 mths ago and still have no answer from the selling bank. Should it take this long? |
| We are preapproved on our loan from another bank. The house we are looking at was almost in foreclosure when we put our offer in. There are several other houses in the area going into foreclosure ... |
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 If Dow drops 300 points is it best...? |
| to find a better loan for a mortgage? If I am in a adjustable rate loan, is it best for me to stay in it or refinance to a fixed rate loan. I'm doing a research for my school, and i was ... |
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 I'll be mega impressed if anyone can answer this question!? |
| I know someone who had an offer accepted on a newbuild flat in Leeds many months back. They exchanged contracts about a month back, with completion to happen as soon as the flat was hospitable. His ... |
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 Is it a bad idea to buy a house right now? |
| my husband and i are stuck in a situation where we need to find a new place to live quickly...is it not a good idea to buy a house right now with our economy like it is? thanks for any advice!... |
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 Husband will not pay rent am I responsible? |
| My husband signed a written agreement that he agrees to pay half of the rent for our home until our lease is up in January 2008. I said he can come and go as he please, but just pay his half of the ... |
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bbacvideo | Is there a loan I can get because I am a homeowner? |
I bought a house about 1 year ago. I really need a loan to get on my feet and to pay off some bills. I hear alot about home equity loans and such but I dont know if I qualify for that. Are there other loan programs out there that I can borrow money because I own a home? |
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The Weasel
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Ditto was she said up top. Go talk with a mortgage broker ( I personally recommend the ones that don't advertise and just go by word of mouth). Look into refinancing. If you've been into your home more about a year chances are you've gained some value in it.
You get your place appraised and see if it's worth refinancing or not. A lot of times you can pay off your high interest credit cards, car loans, and what ever high interest debt you have and can actually lower your monthly total.
I just did it not to long ago and I saved $300 a month and have paid off my car and credit cards. Definitely something to look into. |
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Skip
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You should call or get a mortgage broker through a referral from a friend.
This mortgage broker will want to complete an mortgage loan application as well as run a credit check to determine your credit score.
Once your credit report has been run and your credit report has been determined the interest rate as well as the loan programs you will be qualified for.
He will also determine the value of your property and the equity it has gained if any. personally don't think you have gained that much equity for a cashout refinance.
If you do have enough equity then you should figure out how much you will be allowed to borrow.
Add the debts you want to pay off for both the total amount as well as the monthly amount.
Now if you can do this refinance and pay off debts you have accumlated over time, please don't fall back into the same spending habits you had before.
You should see how much you are saving each month from paying off the bills, place at least half in a savings account. This is for emergency. You can not define emergency as a new pair of shoes for yourself or a pair of tennis shoes for a kid.
You should also get rid of the credit cards that you do not plan to ever use again. Keep about 2-3 of the ones with the lowest interest rate. Another thing,just because the credit cards have a zero balance does not mean that you can now use it again and run it up to the level you have now.
I have seen individuals that got mortgage loans, paid off credit card debt and 3 years later were right back in the same situation as they were when they first got the loan and paid off all the debt. I hope you will not be one of those.
I hope this has been of some use to you,good luck.
"FIGHT ON" |
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palacio7@sbcglobal.net
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To ; mazziatp please help first time owner i refinance o6 from wells fargo now I'm with countrywide I'm losing either way help. |
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mazziatplay
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You have several options. You could refinance the home for cash out (even if you don't currently have a mortgage it is still called a refinance) or you could get a home equity line of credit. Which one would be right for you depends on your individual circumstances, how long you intend to take to pay the loan back, and your qualification ability.
Feel free to email me if I may be of further assistance. |
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J
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Hi There. In connection with the fact that you own a home, you have two options available: A cash-out Refinance or Home Equity Line of Credit. How is your equity position? If you are worried that you dont have enough equity, you can call your bank/financial institution about a personal loan that is secured by your house.
I hope that helps! Feel free to E-mail me if you want to chat more about it or have any other questions.
Jessica@FrontierMortgage.com
Best Wishes! |
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