 Buying a house-- what utilities do I need to change into our name? |
hello there,
We're buying a home in 2 weeks and someone mentioned I need to change all of the utilities into my name.
Does anyone know of all of the different companies I need to call?... |
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 My dad passed away on the 29/12/07 and we are trying to sort his estate but we can not find the property deeds |
| we are tryingto sort the estate out for my mom but can not find the property deeds we have tryed all the banks he had an account with but no luck does any one know how we can locate the deeds i know ... |
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 Mortgage Insurance...? |
| I am refinancing my house and have been told that I need mortgage insurance....$1,500 on a $105,000 loan...What is it and is it neccessary???... |
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 Renting property advice? |
| I bought my flat to live in 18 mths ago, however i am now going to move in with my girlfriend & want to rent my flat out . How will this effect my morgage ie will the interest percentage go up if ... |
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 How negotiable are realtors on their list price? |
| Is it ok to offer 80%, kind of like buying a car? If the house is in ok condition.... |
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 How do I find out who owns a property? |
| I am interested in applying for a grant to open up a former community center btu I don't know who owns the property at the moment. I'm in New York City, how do I ago about getting that ... |
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 Any landlords dealing with non-paying tenets out there? |
| Evicting is very expensive. Any other suggestions to motivate him to either pay or move out?... |
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 Is having a home inspection done a smart idea, even for a new construction home? |
| I have learned not to trust my builder since signing the initial contract back in February '07. We are going to closing in 2 weeks (June 25) and have been talking to a lot of friends who say we ... |
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 If my neighbor keyed my car, can I make the landlord pay for it? |
| We have these really rotten neighbors. They have stolen our stuff, broken our stuff and vandalized our stuff. The landlord refuses to get rid of them saying he has a "vested financial interest&... |
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 What happens if a person wants to take their name off a mortgage? |
| My daughter has a mortgage with two of her friends and one of them will be moving out soon to buy somewhere else with her boyfriend - they will still be in the fixed tie-in period - does anybody know ... |
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 If someone has to STRUGGLE to BARELY get a loan to buy a house? |
| If you can get excepted for a loan to buy a house, but you have extended you resouces to do so, will this be a challenge from month to month payments? Should you do this?... |
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 Is it wise to buy a condo and then rent it out to someone to build equity? |
| Probably something in the 80 to 100 thousand range. Would only be able to make a small down payment. Is this a good idea or waste of time and money? I am twenty one years old. Thanks for the imput.... |
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 Paying Rent? |
| Do apartment complexes ever take partial rent payments? Say I needed to pay X amount but could only pay Y. Would they let me pay Y, and then the balance mid month plus a late fee? Has anyone ever ... |
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 I have a crappy landlord and my rent is due.? |
| I've lived in the house I rent for 3 years. 1 month after I moved in, leaks started springing everywhere, basement, kitchen ceiling, bathroom tiles started falling out, water from the roof ... |
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 Can the land lord have potential buyers walk though your apt, to look at it ? |
| I pay rent every month, but the place is up for sale, is it legally right too have people walk though to look at the place ?... |
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 Buying a home in a bad neighborhood? |
| My husband and I have the option to buy a nice 3 bed/2.5 bath home in a good area of San Diego for $480,000 which would make our payments somewhere between $3,000-$3,600 per month. We make decent ... |
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Chris O | Looking into purchasing a home my husbands gross a month is 4062.00.? |
With the credit crunch the lenders are having now, is it possible to get a home loan if our credit scores are between 515 and 625
Additional Details
We live in AZ and there's alot of homes in our area under 100,000. We haven't applied for anything in the past 2 years, the issues on our reports are from 3 to 4 years ago. My husbands score is 555 and mine is 622 if that's narrowing it done any :) I just wanted to know if there was a chance on getting approved with out going to all these lenders and getting dings on our report, that's what I'm trying to avoid. |
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michael g
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Main considerations are yes credit score but also income to debit ratio. Income seems fine - what about your debit.
Credit score is pretty low so expect some rejections because of that.
If you do get a loan dont expect a low intrest rate though. For the bank to risk the loan on your credit score they are going to cover thier risk with a higher intrest rate. |
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JP
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Yes it is, but don't buy higher than you comfortably afford in repayments. |
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golferwhoworks
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That is a huge spread. If your husbands score is 625 then you can get an FHA note to 97%. There are few lenders who will do FHA below a 580 Score but it is possible with clean credit for not less than 1 year and all collections and judgements paid in full and 12 months checks on your rent or a rental comany verifing timely rent payments.
I am a mortgage broker in TN & KY |
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That Guy
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Need to be alittle more specific, where are you looking? And that is a pretty wide range on the credit score. If you are looking to mortgage $150k it is different then if you are looking to mortgage $400k!! |
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SDD
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Yes, but it would be impossible to say anything else without knowing all sorts of other information. Make an application to a few lenders for approval. You'll find out for sure. |
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loulouthefirst39
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I believe to prequalify, it does not affect your credit (I did it, & my credit report showed this). So you can contact lenders fro prequalification (not preapproval, that's next). They'll give you a dollar figure within your range (I'm guessing up to $200,000).
In AZ you're ok, I'd think; I know someone who grosses less than that & they're a homeowner.... |
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John M
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That's going to be hard. Don't borrow more than you cna honestly afford (that's what got us into the credit crunch in the first place) and look into FHA loans. |
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Jean P
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yes as long as you have enough money down front. |
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Dont_taze_me_bro
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certainly so, even more if not certina . I;d so much do it. |
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