 Landlord bullying... help? |
| My ex-landlord (a lawyer) has not returned my deposit. Its been 3 and a half months since we moved out. One month after moving out, we called him to ask if he's returning the deposit soon. He ... |
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| Buying a house? |
| I am looking to buy my first house and don't know which way to go. Does anyone know the steps on what to do?... |
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 How can I get Oprah to buy my sister a house and put money in her account? |
Additional Details
seriously, shes really struggleing and has a heart condition.... |
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 What if I dont have a lease with the tenant, and they are not paying rent and are refusing to leave? |
what are my rights as a landlord that have tenants without a lease and refuse to move after not paying rent.
Do I have to go through the eviction process or can I just change the locks and lock ... |
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 What are the main points to consider when buying a barge/houseboat to live in? |
| I am thinking of selling my house and living on a houseboat/barge. and I don't know anything about maintenance, heating, anything really. There's so much to find out! Help please!... |
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 I moved into my rented house on 1st February and this is my last month in the tenancy - when do i vacate by? |
| If i moved in on the 1st of the month, can i stay legally until midnight on the 31st of this month, or can landlord insist i give keys back on morning of 31st?... |
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 Is there an agency that supports tenants rights? |
| I have a friend in rented accommodation and his Landlord is a waste of time not effecting the simplest of repairs yet increasing the rent. Is there anyone my friend can turn to for support?... |
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 Can my landlady put the rent up however much she wants? |
| my shorthold tenancy ran out on the 22nd oct 06 with the rent at £425pcm. I received a letter from my landlady on 1st Dec 06 saying she was willing to offer me another 6 month tenancy beginning on 22... |
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 I think I can afford living on my own, but can I get you're advice? |
| I want to move out. For many reasons. I want to live on my own before moving in with someone else. I want to know what I like and dislike and what I have OCD over before letting other people live ... |
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 I'm trying to buy a home, can someone help me? |
| I would like to buy a home nothing spectacular, just for me and a 3 yr old boy. The problem is I'am currently unemployed, because I'm going to school. I have a check that comes every month ... |
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 Can you be evicted for being late with your rent, if you've been having medical and financial hardship? |
| I've been ill and because of it lost my job. I've been looking for something right away, but in the meantime my rent have been late. I'm single, with no family, and my credit isn'... |
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 Can our landlord do that? |
| When we entered into our lease we payed first and HALF of last months rent. Now that we are moving out our landlord is saying that the half that we payed in the beginning does not go towards our rent.... |
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 What should I do about this fence dispute with my neighbor? |
A few months ago me and my neighbor both mentioned we were planning to fence in our backyards. I suggested to him we could save some money by sharing a boundry fence. He refused that offer.
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 Will I get a $300,000 mortgage with no money down in south florida? |
| Here's my stats: Credit score 650-high 600's depending on who you ask, income $110,000/yr, stable job (pharmacist), good credit history but approximately 15,000 revolving debt and 120,000 ... |
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 Housing is expensive these days.. can't people just start living in their cars.. is this a fix? |
Plus there'd be no mortgage or payments. i mean, say a car is 8,000 to 14000 or whatever. Isn't that better than buying a house which can be 200,000 and up ( at least in CA)
I ... |
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 Is it right time to buy a flat ? |
| Everyone say prices of real-estate has come down, Is it right time to buy flat now.... |
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nicki | Mortgage loan and underwriter? |
My husband and I are applying for a mortgage loan. The loan officer told us the application has to be sent to an underwriter for approval. He also said if we decide to send it to the underwriter we would have to pay a $350.00 application fee which would be forfeited if we are denied or we will receive credit of $295.00 if approved. Is this a normal procedure? |
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Mr. Mortgage
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Some loan officers charge an application fee, but some don't. If you are putting at least 10% down or more and have a credit score of at least 660 with enough assets in your bank account to cover 2 months mortgage payments, your closing costs, and your down payment and those assets have been in your account for at least 2 months then you should be fine in getting an approval. If not, and you are unsure about getting financed (especially with the banking industry upset within the past couple weeks) then I would think twice about paying that money. There are tons of loan officers who do not charge application fees. |
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beachlover
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no its not! this is a common practice many brokers use. consider this site. i had a friend go to www.directlendingplanet.com and saved himself 120k in added interest. their rates where over 1% lower than thier best offer out of three. the site is very informative and they give you real info on how most brokers work. i recomend them highly great rates and no bs answers and articles. go direct to a source not a third party
www.directlendingplanet.com |
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Taylor M
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Almost every loan has to be sent to an U/W. General U/W fee's are what i consider Junk Fee's and can be negotiated. You Loan officer is just trying to get you to commit financially so you are invested and less likely to shop around. This is a very common procedure, but your LO explained it in a very confusing way. Most Brokers will have you pay for the appraisal and credit report up front.
So to answer your question. Yes it is considered normal, but you are within your rights to negotiate. |
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RickRN
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No. A good mortgage company should take a deposit. However, that should be credited towards closing costs or refunded if denied for any reason. |
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michiganted
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Never pay an application fee or lock-in fee. The only person who needs to be paid during the loan process is the underwriter - because their job is to produce a report that gives the property's value. Anything else paid up front is just used as a way to try and discourage you from shopping for the best loan.
I would explain my concerns directly to your loan officer and tell them that you're just not going to pay anything up front except for the appraisal - TO the appraiser. If they have a problem with that, take your business elsewhere. There are plenty of good companies that don't charge such fees. |
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Sales Girl
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yuk...I work for a mortgage company and that is not normal. Go to Ripoffrepot.com...they are probably on there....the only fee you may have to pay out of pocket is for the appraisal |
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Vlady
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NO!!!! there is no pre approval fee. That is part of your closing costs. You need me on your team. you need to run! not walk away, run! from this greaser.
www.greatwestcapital.com |
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tooanoyu
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NEXT....find a REAL Mortgage Broker. Call me time4loans@cox.net no messing around here. all kinds of loan types all kinds of credit types all kinds of all kinds STRAIGHT HONEST FULLY DISCLOSED SITUATION. besides if your real good at your job (like I am ) you will know exactly what the underwriter is going to approve and not. |
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