 Tenants smoke, how to get the smell out when they leave? |
I own a rental unit with tenants who, despite promising not to smoke and even signing a lease in which they agreed not to smoke inside ... smoked inside.
How do I get rid of the smell?... |
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 What does undergoing processing mean? |
| i have sent an application for a house and there reply was my ... |
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 Help me please? |
| hi my partner has broke up with me the other day so i have got to move out with my son i went to the council to explain my situation and thay have told me to look for a private rented house and then ... |
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 Does apartment rent go down during a recession? |
| I am looking to move into an apartment and was wondering will the prices of rent go down when the economy is doing bad and the economy is in a recession or do the prices stay fixed or even go up.... |
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 I want to buy a house in early August. How early is too early to apply for a loan? |
| Interest rates are going up, but I'm not sure if I could apply for a loan now and hold it for 3.5 monts while I look at property.... |
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 Our fridge borke and spoiled our food - should the landlord pay to replace our food.? |
| I am not sure if there is a law for this, but our fridge which was repaired already broke and spoiled over $200 of groceries. Is it fair that we should buy new ones, or should our landlord.... |
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 Renting a room to my sister and bf? |
| OK, right now Im renting a house for $1800. I currently have 3 other roommates, my cousin, my sister and her bf. The rent is split 3 ways, so my sister and her bf pay $550 and so does my cousin, I ... |
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 How long will a landlord 'hold' a property for you? |
| I have seen a place I want to rent and its available now, but I don't want to move in until 4 weeks. If I say I want it now, willhe hold it for 4 weeks or give it someone else? I doubt this ... |
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 Is there such a thing as transferring your mortgage from one company to another? |
| The mortgage company i'm dealing with now is totally belligerent, unfriendly and unhelpful. They literally will not answer questions - they just tell me I need to re-read my loan agreement. I ... |
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 How do i go about getting an apartment if my credit is bad? |
| i have been evicted from an apartment but i can afford to rent an ... |
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 House market crash victim? |
A co-worker has asked me:
She bought her house a year ago, under an 80/20 loan. First at 7.5% fixed, second at 11% arm (or so she thinks).
She is struggling to make the monthly payment, and ... |
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 Question about buying a home? |
| My husband and I have signed a contract with a realtor for a home that we want to purchase. Tonight we meet with the mortgage company to turn in all of our personal and financial info. We were pre-... |
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 Would it be really silly to offer $210,000 for a house that is trying to sell for $310,000? |
| This house has been on the market now for over 7 months. The price has been reduced. The seller doesn't want the house to get repo'd.... |
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 Why does credit affect getting an apartment? |
| Not only does credit make it hard to own your own home or car, now you can't even get an apartment. My fiance and I have shaky credit. His due to a divorce (ex-wife) and mine due to stupidity ... |
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 Flood damaged homes - should i buy one? |
| tropical storm allison flooded houston - i'm looking to purchase a home that was flooded, and immediately remediated. should i be worried? maybe i shouldjust look for another house?... |
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 House sold under misrepresentation? |
| 10/3/07: My husband and I bought a golf course-view house in Indianapolis, Indiana. We closed 5 days ago; moved-in 4 days ago; and 2 days ago found out that the golf course is scheduled to close. It ... |
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 In what order do you do things when moving house? |
I don't know yet if I want to move because I don't know if there is anything I want to buy. If there isn't, I will stay put.
DO I:
1. Put my house on the market A... |
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Marie | My huband and I are looking into buying our first home..? |
We had a problem with fraud in the past on my better half credit report...it has taken us about a year to clean this mess up...now we have rebuilt his credit and want to see where we stand in regards to buying a home... the problem is we still cannot find a lender that will give us the time of day...or suggestions...one tells us that if you have any past dues of 30 days on your report you are unable to get any mortage loan. Is this true? He has 2 30 day past dues from march/june of last year on his truck note? can this really hold us back?
Additional Details
i would also like to add....its not that he has a problem paying his truck loan he had a problem with paychecks being mailed to a wrong address after a move those were not received until it was too late...for lenders its not a good enough reason lol |
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tom
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Yes lates on your car note will make your grading a 2 x's 30 on your mortgage, and will affect your rate or ability to get a mortgage. I'm assuming all the fraudulent items have been corrected on your credit report. I don't know if you mean that the paychecks were mailed to his former address or an incorrect address. I would speak with the car loan people and explain the situation. If they side with you, get a letter stating that the 2 thirty day past dues are incorrect. You will need to send this letter out to all three credit bureaus (any of the lenders you went to should fax you this if you requested it or you can get the addresses at the back of the credit report or just look them up online (transunion, experian, equifax) saying you are disputing the 2 x's 30's on your credit report for the car loan. Once the credit report is updated you're in the clear. Or your other option just wait till the lates are no longer counted on your credit grading for your mortgage and in the meantime save up as much money as you can for the down payment. Either way you should be in your new home in the near future, best of luck! You can check out the Federal Trade Commissions website for info re: the fair credit reporting act and disputing incorrect items on your report. |
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reneem1954_2000
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Definitely yes the truck can hold him back? Why isn't he paying it,. Worse thing for his credit history. In to days market it is now harder to even get a lone without a score of 700 or more. |
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golferwhoworks
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Marie this is subject to an underwriters opinion and some can be very strict. The scores need to be very high with a great explanation to pass this off. Things like a death in the family and terminal illness caused us to be out of town when these were due is the best answer as it is a life changing deal and not likely to repeat
Underwriter discretion
I am a mortgage banker in TN & KY |
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ranger_co_1_75
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Check around, each bank has different policies. Ask to speak with the loan officer when you fill out the application and explain the credit report to him. Most loan officers glance at the report score and then skim for past problems, they don't read the notations on the credit report unless it is brought to their attention.
Also, take advantage of the government programs for first time buyers. You are a first time home owner only once and you loose the advantage of the first time home owner loans once you buy that first house. |
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patticharron
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Mortgage lenders have different methods of scoring your credit report.
The problem right now is the economic climate. Lenders are spooked, given the recent mess in the mortgage industry and the subsequent bailout. It is not a good time for real estate and it is not a good time to buy if your credit is not pristine.
Given that lenders are not willing to talk to you right now, I have a suggestion. If you go to a large bookstore, there are a number of books in the real estate section (usually under Personal Finance, but do ask). You can leaf through and read about what lenders are looking for, how to improve their view of your credit report, etc. The bookstore generally will have the latest, most up-to-date information on the topic (as opposed to the public library, which is at least a year behind in terms of the books on its shelves). There are also a lot of good websites with similar information.
With a new economically-ignorant president about to be sworn in, lenders continue to be nervous. Wall Street has been rocky since the election because there's no telling what BO will do. So now is just not a good time to be looking to borrow.
Sit tight, do some research, continue to work to improve your credit scores. Given that it can't get much worse, the climate regarding real estate and mortgages is bound to improve eventually. |
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Noneya
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What you need is a broker who is willing to take the time to review your credit and give you some options.
A broker will shop your application around to multiple lenders to find one who will do the loan and try to get you the best rate and terms.
As someone stated before it all depends on the lender. |
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Charles
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When applying for a home loan your credit report will be reviewed and you may be required to provide a number of other details, including: Employment and income records, Tax Returns for the last few years List of assets, List of liabilities and what you owe, Your budget showing monthly living expenses so that you can demonstrate an ability to pay.
http://www.worldbestloans.com/homeloans.htm
With this information you and your lender will be able to determine the kind of home loan and size of the right mortgage for you. In some cases, you can obtain a pre-approval or pre-qualified certificate, which shows how much you can borrow so that you can then shop for homes in an appropriate price range. |
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bluebirds566
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You're going to struggle to get a good mortgage. You are not completely at a loss look for independent mortgage lenders but expect large interest rates. With the current financial climate probably not worth it! |
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infinite crisis 247
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those late payments will definitely drop his score, but as long as both of your credit is good besides that (and you both must run your credit reports before you even think of walking into a bank or a mortgage brokers office), you both make enough to qualify, and you don't have a mountain of other debt and expenses, you should still be able to get a loan.
basically, what i'm saying is that there are a lot of variables to consider here, and yahoo answers is probably not the place to get the correct answers (especially as we are not privy to the other variables of your credit situation). call different lenders, and see what they tell you. as you will have your credit reports in hand, you can tell them what your credit scores are. with that, they can get a good preliminary idea if you are going to qualify or not. if you are unilaterally told no, than you might want to hold off a year or so, and work on paying down your debts and increasing your scores. those 30 days late payments will be on his reports for 7.5 years from the date of delinquency. |
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katlanta
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Yeah it will cause a problem....
Might be worth the effort to try to asses your credit situation on your own and do some DIY work on it.
Try this:
Go to www.metrobrokers.com and under apply for a mortgage click
Credit Doctor.
I think this program will help you A LOT |
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