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 How do I evict my live in girlfriend from my home in New York State?
I have to figure out a way to legally evict my girlfriend. She is a real estate agent and knows more than I do about the laws regarding eviction
Additional Details
I own the home in ...


 How do I buy a house with terrible credit?
I would like to buy a house but I have terrible credit. I can put down 15k on a 190k house. What options do I have to get a loan? Could I form a corporation? Any advice is appreciated....


 How can I buy a house with horrible credit?
I am trying to buy a house because the neighborhood we are in is getting worse by the second, but we have horrible credit due to stupid kid stuff. Anyone know of a place that you can get a place ...


 Should I take my landlord to court for this?
My lease clearly states that I am entitled to a parking spot. Instead he is offering me a small monetary compensation instead or else offering me to move out. I don't want to move out or accept ...


 How much should I offer on a $285k house?
We found the house of our dreams but want to make sure we're getting a fair deal. In negotiations, the buyer starts low, the seller counter-offers, and so on and so forth until an agreed-upon ...


 How do I get rid of a house that I cannot afford, cannot refinance and cannot sell?
I origianlly purchased my house and then refinance it at 100% on an arm. I purchased another house closer to work and am living in that house now. The intention was to rent out the first house to ...


 Moms house paid off we want to put it into my name now because she is gravely ill. How do I go about doing so.
She wants to put the house into my name now so there are no problems later. I am not sure how to go about transferring the house into my name ....


 Can my landlord evict me immediately?
We live in Oklahoma. We signed our lease two years ago. The lease stated "I agree not to have any pets inside or outside." My husband got a dog that stays in the house. At the bottom it ...


 Is closet space counted as square footage in a home?
thinking about taking a large closet and making it a half bath....


 My apartment now leasing for lower than I am paying?
Ok, so I signed a lease last may to pay $1250/month for my apartment, now they are leasing these apartments for $1150. Is there a way to make them lower my rate NOW, or some type of fair housing law ...


 I am buying a house, and need to break my lease. My apts are trying to charge me over $4k to move out early.?
I am fine with most of the charges - the reletting fee, and reimbursement of discounts and concessions. The part I am concerned about is that they are trying to charge me 60 days worth of market ...


 The house i want is for sale for 160000, im renting it and living in it currently. how much should i offer?
...


 How much notice does a tenant have to leave?
From what I understand, I think a landlord has to give 60 days notice for a tenant to move out. I am in California.

How much notice does a tenant have to leave, 30 days or also 60 days? ...


 Legal advice for eviction , anyone plllllllllleeeeeeeeeaaaaa...
So i am getting evicted. Ihave tried everything under the sun to try to stop this but its useless. I went to court yesterday and the judge gave me till 8/31/2007 to get out of the apartment. D...


 Life will suck if u did not get a flat from parents?
u will need mortgage, potentially for 30+ years
when u add kids to finance it will get even worse
next 30 years u will spend on working hard and getting old
then u will be ill and too ...


 If a house is selling for $38,000 dollars what does the Assessed Valuation $6000 dollars mean?
If a house is selling for $38,000 dollars what does the Assessed Valuation $6000 dollars mean?
Does it mean it will be appraised for $6,000 dollars instead of 38,000?...


 My real estate agent is a slimebag ~ Now what?
What should you expect from a realestate agent?
I moved 3 months ago and haven't heard anything from them. Should they be contacting me? or only when the house sells?

This is ...


 Mortgage Down Fall?
What do you think about the houseing problem?...


 How to find house or apartments for rent?
I know about Craigslist but it seems so limited. What are my options for having the most options for locating a new place to rent? Im looking for a place in San Mateo county California.
Thanks ...


 Giving 30 Days Notice Landlord: Count Day of Notice?
If I gave my landlord a notice dated yesterday (Dec. 12th), do I count Dec. 12th as day 1 of my notice or does day 1 of my notice officially start on Dec. 13th? I have to give her 30 days notice and I...



Kendall H
My husband and i want to buy our first home but we don't have very good credit. we had to file bankruptcy ...
almost 2 years ago and we dont have alot of money down. is there anyway that we may still be able to own our own home. we only have rent and useual household bills....no others. can anyone give advice?
                     
 




Digger
Rating
You certainly can. The BK alone won't keep you from qualifying, however until it is over two years old it will cause you to incur a higher interest rate. After two years, it doesn't really matter. You'll still need to qualify based on your income, credit, debt ratio, etc.

Talk to a mortage banker (not a broker) who will pre-qualify you at no charge. My favorite is Julie at http://primelendingonline.com

Good luck!


Sparkles
It is really to soon to try to buy a home as your credit has not recovered from the bankruptcy. Your credit score will be too low to qualify for a loan.


the phantom
Rating
I have been there myself - you will need to wait a few more years before the bankruptcy is expunged from your credit record. It will be *seven years* before a bankruptcy is off the radar screen of your credit history. Look at it positively - you've got more time this way to save money for a bigger down payment, and more time to build your credit back up.


Kara S
Rating
If I were you, I'd spend some more time saving money for a downpayment. A large downpayment could offset the bankruptcy; showing lenders that you now have the ability to be financially responsible.
Do NOT get sucked in to "rent to own" schemes, or I will almost bet that you will be worse off than before you started. It's tempting to take the first offer you get, but ultimately you'll end up spending MUCH more money in closing costs, etc than you would've if you'd have waited.
It can seem like renting is selling yourself short. Most people think of paying rent as throwing money away every month instead of investing it in their own home. That can be both true and false. If you end up with a home that needs a lot of work, or is expensive to maintain you'll be wishing you were still renting. Money can run dry when you're buying your first home!
I would say that your best bet is to continue renting for a while. After filing bankruptcy, your financial investment options can be limited. While it may seem that people are willing to lend you money, they are really attempting to loanshark you into paying extremely high interest on the borrowed money. These creditors are able to profit on these loans because no matter which chapter of bankruptcy you filed, defaulting on the loan can land the borrower in jail for fraud.



Good luck!


butterfly234
Rating
It would be best for you to not buy a house for a few years...save as much money as you can so you can have a large down payment, work on your credit situation.. do not trap yourself by buying something you can not afford


Nag-iinit
You can get a no-docs loan which typically has a higher interest rate.


DLeibowitz
You might if you have started to re-establish your credit. However, sub-prime loans are less available now that New Century and others like them are tanking. So your cost of credit probably will increase and credit may be less available to you for the moment.


jimmyjohn
Rating
You may be able to get a loan, but the interest rate will be higher than a normal loan + fees probalbe also. It's called a sub-prime loan, and several of the companies who specialized in them are in deep trouble these days. But it is possible. Make sure you only but what you can afford. And if you pay the minimum payment each month, after about 3 years your payments coul;d double or triple.


Mexico4me
Rating
I don't know if they have Assumed Mortgages in your area or not. That's how many people I know have bought a home, they just assumed a mortgage and if you keep your payments up until the mortgage comes due, you will usually qualify for the balance.


firemedic311
where do u want to live? have u heard of "lease option"ing a house?

thats where u sign a contract to buy a house, (to basically reserve it for u) and then u 'lease' it until u can qualify for the loan. it works in this market now, cuz people are also testing the neighboorhoods out before they are locked in.

i do them in the nationwide (u.s.) and i can just give u more advice or actually help u get a house.

depending on your area, i am very sure there are investors like me that are around that can help u. that sounds like the best option.

cuz yes its 'renting' or leasing, but if u get an investor like me that yes i want my part of the profit, but i do want to help u too. and i'd make a portion of your 'rent' count toward downpayment, or something like that.

if u talk to one out there that won't do that, or just "nickel and dimes u" then drop em like a hot potato. there are a bunch of us out there for u to pick one that is interested in u. i do win win win deals. u win, i win, the seller wins.

anyways, any other questions feel free!


Milena
Yea u can get a co-signer for ur home. That person must have good credit though; that way, if u don't pay ur mortgage, they will be responsible to pay for it. So it should be somebody close that you trust with good credit :) Although I would suggest that you just start building up your credit again and paying all of ur bills exactly on time. I think you get that option even after uve filed for bankrupty. U can still get a checkbook and make sure u pay all of ur bills on time. THat way slowly u can start building credit again because having good credit is sooo important in so many ways, especially today.


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