 Section 8 tenants & $150.00 Jeans |
| Why is it that when I interview possible Section 8 tenants, that they are walking around in $150.00 jeans, tennis shoes, or other expensive clothes, have a nicer car than I do (I work and own ... |
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 Agent won't make offer? |
| We found a house and wanted to make an offer. Our agent did a comparison and found a house less than two blocks away that was built by the same builder on the same street the exact floor plan with ... |
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 Is an offer of $80,000 to low for this house? |
| It's in a small town in central IL, it started at $105,000 but has been on the market since March (and from what I heard it was on the market last fall but was taken off over the winter. Right ... |
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 Please help with Eviction....? |
| I need as much advice i could get please help. I fell behind on my rent due to a Lien on my credit for a defaulted student loans. My plan was to pay my back rent with my income tax checks and instead ... |
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| i am trying to get a mobile home financed, and the people i tryed to financee it said that i had a good credit score, but low credit, does anybody know what that means exactly?... |
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 How Many Roomates Am I Allowed to Have When I'm Renting? |
| say i decide to rent a studio apartment, can i have six roomates? or is it just up to my landlord to decide?... |
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 Mortgage and credit score? |
I have a 721 credit score but my husband filed bankruptcy at 2004 how do we get a $300,000 house?
Additional Details
thanks everyone, also my husbands score is 600 average. bankruptcy ... |
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 How do i go about finding out who owns a property in the uk? |
| there is a house that is empty and i would like to find out who owns it as i as interested in moving ... |
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 Can you adjust your mortage rate lower by negiotation in this market? |
| Hi there, I was wondering, I currently have two mortages, and 80/20 since I had no down payment. My 80 10 year interest is fixed at 6.125% and my 20 30 year fixed is at 8.25%. I don't want to ... |
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 Does anyone know what is included in rent for? |
| a furnished property. A friend of mine privately rents, she pays £105 per wk and has just been landed a water bill for £240. Her landlord says she is responsible for the charge. it doesn't ... |
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 If I came home at NIGHT to find a ________ in my house I would absolutely ________!!!? |
Additional Details
Whoops! Here I go again posting in real estate! I guess the words home and house planted my question here in Real Estate! Sorry folks! This was meant to go in Polls ... |
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 How much do you get if you sell property after paying off a few mortgage repayments? |
| Do you get your additional deposit plus what you paid over the years? What if the property price increased, how does that work out ?... |
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 Is it illegal for a landlord to shut off someones cable to force them to vacate the premises? |
| I live in wv where my landlord is trying to evict me without 30 days notice (required by wv law). After I told her I was not moving until those 30 days were up, she shut off the cable which was ... |
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 Is it a real risk to sell property as is? |
| I really dont have the means or patients to fix up my home to sell. I need carpet and paint bad. Some of the closet doors are broken also. Any advise?... |
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 I bought a real estate lemon! been in the house 4mths. what can I do? can I give it back? grace periods? |
| we paid 120,000 for a damaged foundation leaky roof and pipes. we have only been in the house for 4 months. Can we give it back? is there a lemon law in Texas or some kind of grace period?... |
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 How many homes should I look at before I buy? |
| is there any fundamental s to follow when you are looking to buy a new ... |
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leinad_montana | Should I go with the mortgage broker that is provided by the estate agents I have purchased from? |
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glenn
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In Texas at least agents can't receive a fee for sending people to a loan officer unless several restrictions are met including notifying the buyer that we are receiving that fee. I find it best not to try and get a fee, but to send the buyers to the best mortgage brokers I can find.
You should never pick a loan officer from an add or email or website. Always use someone that you have been recommended to by a friend that has used them or by an agent you trust. There are lots of crooks in the mortgage business that can defraud you or mislead you even if you are very knowledgeable.
Use someone that is local and you can meet with face to face. |
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bohemian
 |
Each time I've bought a property, I've allowed the broker at the Estate Agents to try and find a mortgage for me. Each time I've found a better deal with very little effort.
Have a look on Money Supermarket
http://www.moneysupermarket.com/mortgages/
and then go and see the mortgage advisor at the bank you have a current account with to see if they can beat the best deal you can find. So far, for my own particular requirements, I've never been able to beat what Abbey have offered me, and there are advantages of convenience in having your current account and mortgage with the same company.
A final tip, ask for a quote for paying your mortgage over a slightly shorter term, perhaps 22 years instead of 25 (I always get a 15yr one). It doesn't cost much more each month, and saves loads on interest in the long term. |
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onandonandonanon
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no you should shop around and go with whoever offers you the best interest rate and terms! |
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Ty M
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im going to tell you right now, straight from an ex loan officer. Don't go with a broker. Go to a bank. A broker's gna rip you off. They charge front end and back end. Front end fees being the fees you see on your documents at signing, and back end fees by giving you a little bit higher of an interest rate than u deserve so they make more money from the bank they sign you with. The process can also take longer, which can cost u more money depending on the type of loan ur currently on if ur refinancing. They also can span the loan out so long that when it comes time to sign, you see like $8k in fees but don't want to wait again so u just sign. Go with a bank. They'll quote you right, get it dont timely, and wont charge you ridiculous broker fees. |
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leambi
 |
Always shop around, please bear in mind that a reputable mortgage broker will only charge a small fee for getting a mortgage offer in place for you and should only want paying once you have completed, they will search a panel of lenders for you to find the best deal available and answer any questions that you may have and will not charge a fee for this service so if your sale falls through then you will not have to pay them anything. |
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Hy B
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Hi.
This site has a variety of mortgage brokers and lenders to look at : http://fedho.com/t/?i=c3 |
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DFLy
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Only if they are independent. Chances are they're not (even if they say they are) so you're better off searching for an independent financial adviser in your area who is not affiliated with any particular product / company and will give you unbiased advice based on your circumstances. |
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Andrew C
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no, shop around |
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Lorraine R
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I wouldn't....speaking from experience, they get a fee if they cajole you into doing that and they make false promises that it will go through quicker and that just doesn't happen.
I have tried and tested both the independent and the recommended and know what I am talking about.
There are plenty to choose from, don't rush, shop around and get the best deal. |
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Neil
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Get yourself independent advice from a local IFA, use the web to get names and details at
http://www.unbiased.co.uk/ |
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ste_pej
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Try and use an independent financial adviser (IFA). They'll invariably get you the best deal.
The estate agent provides a mortgage broker because they get a large commission from any mortgages sold not because they can get you the best deal |
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Ross
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I would shop around. If they can give you a good deal than yes. Take the offer you get and see who will try to beat them. Banks and mortgage companies will compete for your business. You can negotiate with them just like you can with the price of the home.
Where I am licensed any payment that is made buy anybody to the real estate agent it has to go through the broker and be disclosed. Otherwise it is considered a kick back and is illegal. |
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