 What happens if I break my tenancy agreement? |
| I'm 4 months into a 6 month tenancy agreement. And it's been hell. The people I share the house with are disgusting, they have people around all week, getting drunk, being ill, spilling ... |
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 Should I refinance with a fixed rate? |
| Me and my husband got a house last year for 69,900. My mother in law pushed us into the house & insisted that we go through a bank with a variable rate. Now with all the forclosures I am ... |
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 How much does a buyer's agent take from the average residential sale? |
| | am considering purchasing a home that is currently vacant, been on the market for four months. The seller's realtor is suggesting that I use him as a dual agent. Hmmm..... I met him during an ... |
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 Nightmare UK Landlord? |
I hope you can help..
I have lived in a shared flat with 3 others, including a chap who co-owns the property with his uncle. He has never sorted out a written tenancy agreement although ... |
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 I lost my job and need to pay my apartment's rent , what do I do ? |
| Lol , friends and family have already made it clear that they "arent willing to help"... |
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 I'm in the process of buying a house, and I think my mortgage broker might be predatory. What should I do? |
| I have lived in this house for 4+ years and have a chance to buy it for the remaining amount on the owner's mortgage. Property values in the neighboorhood have increased in the past few years, ... |
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 I am trying to get a mortgage really soon to move out within a week. I need to get one very fast? |
| The bank lady is saying that it will take another couple of days to run the credit. We've made over 200,000 this year and have paid taxes on it and we want to buy a townhouse worth 200k in N... |
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 I rent a room in a house and would like to know who is responsible for taking out the trash. |
| I have a 2-year lease with the landlord and there is nothing stated in the lease regarding who is responsible for taking out the garbage.... |
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 Who typically pays the ‘brokerage fee’ when selling/buying a home? |
| We want to sell our home and the agent sent us an outline of fees and what we can expect to make given how much we sell the home for. The ‘Brokerage Fee@ 5% Total Commission” is listed close to $3... |
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| I have a tenant that hasn't been paying their bill for 9 months now...? |
| and everytime i ask for their payment they always have the same excuse.... im stressed abt this, what are the legal actions i need to do? please help.... |
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 How does people owned so many houses? How they do that? |
Hi,
I’m not sure how ppl buy so many houses without any issue.
I’m having a mortgage for my house and my fiancé also have his.
If we go ahead and buy another house, ... |
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 My landlord used a portion of my rent for fence repairs that are not my responsibility, now he says I owe rent |
| Long story short; a fence behind my apartments was damaged and my landlord sent me a bill for $270. I am not responsible for the repairs because neither I, nor my children did the damage. On more ... |
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 Is the property cheap in Iran? |
| Are prices of properties and houses cheap or expensive in Iran? Is it cheap and expensive to live in Iran? Can you own your own farmyard cheaply in Iran?... |
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| How much does he owe me? |
| I bought a phone for $200. My friend was going to sell it for $400, but got robbed. Does my friend owe me $200, or $400?... |
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 How to comfort a real estate broker (my wife) who lost a deal which she works so hard for so long? |
| My wife (a real estate broker) has worked on a deal very hard and she lost it today. She is in very dipressed mood. I don't know if words like "...you can make other deals next time..."... |
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 2 guys rent apt. one quit job,owes for elec.and hasn't pd this mth rent. How can I get out of lease 3mth bal. |
| 6mth lease, both name on lease, #1 has not pd his 1/2 this mth. Owes for deposit and electric $450. How can the guy who has paid all along (kept recpts) get out of the lease or save his credit. #2 D... |
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txpainthorse | New home being built. Where do I find the best loan? I have FICO score over 750 and I am 1st time home buyer |
I do not need help with down payment but I would like closing cost paid. I understand if you are an employee at the bank, your closing costs are paid for you. I am not an employee of the bank, but would love to have help with closing cost. Also is the interest rate the same for someone who has poor credit? |
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aboryszuk
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i have to agree with the majority on this one WAMU has the best prime/and sub prime rates right now, also last time i checked they had construction loans at 1% (i may be wrong) and no the rates will not be the same for someone with poor credit people under a 600 score that go sub prime are getting between 9-10% |
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Casey C
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I'd like to disagree with Anne G on everything she said except for the fact that she said to pay attention to fees associated with your rate.
1. Though most banks have similar rates, not all banks offer the same rates. As a general rule of thumb, if you work with a Washington Mutual, Chase, Wells fargo or other large bank, they will all be nearly identical.
2. Though it's important to negotiate your costs, there is a reason why lenders would charge an underwriting, doc prep, credit fee... bank profit models are specifically designed to offer the lowest possible rate and only created profit from rate. Though some 'brokers' are known to add junk fees on top of transactions, banks and brokers alike have to add in these fees to keep rates down. A bank must pay an underwriting deparment to review files. They look at 3 files for every one that actually closes. You pay an underwriting fee because the bank has a fixed cost underwriting. As a rule of thumb, you shouldn't pay more than $1000 in fixed lender fees.
3. I can't believe for a second that her husband works for JP Morgan Chase and that she would tell you every single fee is a junk fee. If her husband works for Chase, he should know that Chase charges a $395 app fee (covers credit and appraisal), a $300 processing fee, $200 underwriting fee and $84 tax service fee. These are never negotiable nor are they junk fees.
If you haven't put the clues together, I work for chase as a nationwide loan officer. I provide all of my clients with a workbook that gives them all of the tips, tools and knowledge needed to be an educated borrower. It even teaches you how to shop for the best mortgage.
Chase offers loans that can include closing costs if you would prefer not to bring them to the table, but I have a Total Cost Analysis which allows you to see an Apple to apple comparisson to see which way fits your needs.
You can visit the website Chase has for me at CaseyCasperson.com. I can lend in all states and would be more than happy to get you taken care of.
Casey.x.casperson@chase.com |
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just a girl
 |
Go with Washington Mutual. They are #1 across the U.S. in newly built home loans. Regarding the closing costs, just bargain with them, usually something will be worked out.
The interest rates for someone with bad credit are much, much higher. Your score is great and I don't see you having any issues at all. |
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sortaclarksville
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I've always been very happy with Washington Mutual. They even allowed me to do a split closing once and let me close on a property out of area instead of having to go back to where the property was to close. Very nice company to deal with. |
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Dr. Deth
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you'll get the best avail rate with your score - many diff mortgage plans out there including rolling in closing costs - just find a broker who deals with many mortgage companies and he'll find the best plan for you |
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mister ed
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i am going to assume you have been keeping up with the news about the rocky road the mortgage companies are traveling on. don't advise going to any of the failing ones. best advise i can give you are in a great position = wonderful credit and ample down payment -- do it just like you did your home builder or when you buy a car. shop around. |
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C D
 |
If you have excellent credit, make enough income and you are a first time home buyer...
You can get a government loan. It will let you finance 100% and include closing costs.
Look for your state's website. Look under rural developement home loans, (state) |
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4angel
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After almost a year of doing my 'homework' on the whole mortgage thing, I finally settled with a hometown bank where I live. Bottom line is this. All banks as well as mortgage brokers deal with the exact same rates. It is your job to get the best rate out of them. Some banks or brokers will give you a great rate, then charge you an arm and a leg in closing costs. I don't hear very often of lenders paying your closing costs, but you might negotiate with your builder on that. If you do pay closing costs, here are some things you definitely should NOT pay for: Documentation Prep Fee, Administrative Fees, credit report fee, and underwriting review fee. That's all junk, and in no circumstances should you EVER pay for these fees. Also, my husband works for JP Morgan Chase and our closing costs were not paid for. I think that just depends on the bank. To your question on interest rates and credit: the better the credit, the better the interest rate. One more piece of advice: when I was shopping for rates, they wanted me to do an application and then give me my info. It got long and drawn out, and I finally learned to just tell the lender my credit score and my financial situation, and let him know how much I wanted to spend in closing costs. They can give you a rough estimate over the phone. P.S. if you do end up paying closing costs, you should not have to pay more than $1500...good luck to you. |
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statusquo333
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there is a sprecial program for first time home buyers at
www.restructureyourmortgage.com |
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greg p
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I can provide you with a good faith estimate. and with that Fico
I can offer you the best pricing and service. I want to educated you if you are interested send me a email. I will not waste your time. |
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nick k
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If you want your closing costs paid then you should have negotiated this up front with the builder. You may want to talk with them about it now if it is a concern of yours. There are many programs out there. |
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