 Purchasing house....how to make an offer? |
| My husband and I are purchasing our first home. It is 1 story, slab-not basement, 3 bedroom, kitchen, living room, attached garage, and medium sized fenced yard with shed. It is siding with some ... |
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 Does anyone know where you can get a loan of 25000 dollars to fix a house without hassle?? |
| we have tried 2 mortgage companies to get home equity and in both places we talked to two different people and the information for the loan was completely different. We are looking for a loan where ... |
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 Why are prices still so high? |
| If gas has went down, why are food and airline tickets still so high and unaffordable? Do you think gas will go back to $4.00 a gallon after the election tomorrow, and if so how soon?... |
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 Rent or sell my house? |
| I own a old fixer upper on a large lot in Modesto. It is paid off. I am thinking of selling it and buying a house in Sacramento area. Is this a good idea... or should I fix it and rent and wait for ... |
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 Where do you think this horrible housing market is headed? |
| How long do you think it will be so hard to sell a home? We live on the East Coast -- thousands are houses are up for sale around here and they don't sell. What is there so much building by ... |
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 Morgages - why has the world gone mad....? |
| It crap - why is it that my partner and i work bloody hard and yet we cant live together (with our son).... i have to live with my parents (and my child who is 3) and my partner lives with his ... |
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 What is the lowest Percent that a realtor can do? |
| I have a realtor that said they could sale my home for 5% and then another for 4%. Is there anything else that I can get a realtor to come down on, that will benefit me on my return?... |
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 Do we give the deposit back? The person renting our house is moving out early, and has 4 mo. left on contract? |
| In the state of TN I cannot find and information on what we should do if the person brakes rental contract? Also, in contract it was to be rented to a NON_smoker, yet the woman smoked inside our ... |
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 What does this recession mean to us for our everyday lives? |
| I am curious, I have been watching the news about the econonmy and the "recession" we are in, and I have a question: What does this mean for our everyday lives? If I am understanding ... |
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 Can he do that?? |
hey,, i wanted to move in to this plave i saw online, so i called them and i sent them a deposit.
when i came in i was talkin to this front desk guy and he said that i have to at least sign for ... |
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 How to I go about buying a house with a lien held by mortgage companies that are now out of business? |
| Found a vacant house in our town. Neighbors say owners moved, been vacant 3-5 yrs. Found a mechanics lien on house. Lienholder (home improvement company) has no knowledge of lien (lien is 12 yrs old ... |
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 Anyone know anything about apartment searching? |
| I will be moving by the end of the month to another state and of course I will need to find a place to live. Does anyone know of any sites that give good information on renting apartments? Also, I do ... |
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 Roughly how much would we pay for a mortgage each month? |
Me and my boyfriend are looking to move out next year, but we want to be prepared before we do. We're going to get financial advice in september and look around for a fixed rate mortgage.
<... |
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 I don't want my house anymore...? |
| I was awarded our home in a divorce settlement, but I don't live there and I don't want it. I can afford the payments so the bank won't do anything, but I just want to get rid of the ... |
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 How does a buyers realtor get paid when buying a home that is not listed with a realty company? |
| We have been working with a realtor to buy a home. We recently went to an open house for a home that is not listed with a realty company (we went without our realtor), the home is being sold ... |
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 Can someone seal off a fire door? I need legal advice!? |
| I have a retail store that has an apartment above it. The entrance to this apartment is from a stairway that is a storefront down. The owners of that building have 6 apartments the stairs lead too, ... |
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 Can our landlord charge us $700 instead of getting our $720 security deposit? |
In Las Cruces, NM:
Our landlord is charging us outrageous prices for cleaning. For example, $30 to clean the dust off a fan. The wall also had some very shallow holes in it from a flat ... |
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 How much rent should they pay? |
| So me and a very good friend of mine moved in to an apartment togather and since the beginning it was established that he didnt really know if he would be staying or not so i made the contract under ... |
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Carl p | Looking for a lender that doesn't require employment verification with mid score of 768 and no late payments. |
We have excellent credit, no late payments, not much debt apart from credit card and always pay on time. We are seeking a lender who can give us a break. Husband out of school and doesn't have 2 yrs employment history to show |
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Lisa L
 |
Do not go sub prime with this. I am a mortgage banker which means we close with our own money so I don't broker it out. I do FHA, VA, Fannie Mae, Freddie Mac -- all in house underwriting. You do not need a 2 year employment history if just out of school. Find a good local Loan Officer to help you. I do loans for people right out of school all the time & they get the going rate.
If your husband is self employed, that is a different story. Good luck & do your homework. It will pay off. |
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Expert Realtor
 |
You won't find those loans anymore.
I don't have a single lender that I am working with that will do a true, no documentation loan.
Those have the highest rate of foreclosure of all loans and banks lost huge on those.
Stated income loans are still very good with good credit, but not without work verification. |
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loancareer
 |
That is going to depend on more than the info you've provided. Do the loans exist? Yes. Does everyone with a 768 mid get one? No!
Anyone who tells you differently hasn't got a clue.
Why is it that you don't want your employment verified? That alone raises a red flag that you are going to have to overcome. Is there another approach you can take? I don't know. Email me and we will discuss.
PS. I don't want your loan. I give the money to the people who do your loan. My advice will be free. |
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charlotte q
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No way..why do you think this country is in such a mess with subprime???? |
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Ed M
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If your husband is working in a field related to his schooling we might be able to overcome the 2 yr ruls. I have over 150 lenders I can place loans with so e-mail me with more info. |
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Renovation Specialist
 |
We can use the length of time your husband spent in school so as length of time in profession as long as his major was in the same profession as his current job. This should solve the issue regarding job history. However, his current employment would be verified.
But, it seems theres more to this..... |
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lendingwhiz2008
 |
This is not a straight no answer.
If there are compensating factors then YES we can probably get this loan done.
We would need to know a LOT more info before I could tell you for sure.
But, for example, I have helped fresh out college students who have secured employment with large firms and they can provide a committment letter from their employer that states income, bonuses and likelyhood of continuing employment....
And so many more scenarios...................
A lot also depends on you, the house, are you refinancing or purchasing, do you have down payment and how much...
Feel free to email for lender recommendations |
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daeve930
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Look for a lender who will do a Stated Income or No Income/No Asset loan. State Farm Bank offers them, and probably many others. You will pay a higher rate for this type of loan because of the additional risk to the lender. Generally they require a minimum credit score of 740, and on the Stated Income you need enough monthly gross to keep the debt to income ratio at a pre-determined level.
The No Income...called NINA, doesn't even ask you for your income, but one caution there is be sure you don't inadvertently tell them. For instance, if you have to send bank statements for some reason, be sure you take a marker to your auto deposited pay checks. Once they know your income they have to use it.
Most people who get these loans have either non-employment income, like interest income or trust fund income, or are self-employed. Are you sure a lender wouldn't be happy with your employment? Does your husband have a job? Many lenders will accept a letter from the employer stating the start date, salary, etc. Ask your regular bank what they can do for you. |
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Gotta B. Covered
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Im a Realtor and work with a reputable lender that probably can do the loan easily with a middle score that high. Contact me directly via email and I'll with assist you in any way that I can. |
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