 Am I being scammed? |
| I have a modest mortgage and a modest car loan. My credit is AAA awesome. I make about $75000 gross a year. Recently I was approached by a doctor when I mentioned my credit was excellent about co-... |
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 Buying a property w/out an agent? |
| I am purchasing 1 bedroom condo w/out an agent. I've researched property through websites and found what I liked. I called the listing agent and I faxed over counter offer. My question is ... |
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 Would you move California to Oregon and start new? |
| I've lived in California my whole life and im just ready for a move, i'm sick of it here, its just to expensive for us. My work has laid us all of and 2/28/2007 is our last day. There ... |
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 What is the next course of action a landlord would take if you break a lease and habor a cat.? |
| we just found a cat a couple of days ago. our lease says we can not harbor any animals without thier permssion and a 250 deposit..anyway, I was just wondering what course of action would a landlord ... |
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 Mortgage Payments? |
| Why is paying half of your monthly mortgage payment in the middle of the month and the half at the end of the month cuts the amount of total interest & years to the mortgage? I did not think the ... |
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 Getting FHA loan for 4unit. I'll need to occupy 1unit. What happens to that mortgage once I buy a home? |
| I will be purchasing a 4 unit building using residential financing so I'll need to occupy one of the units in order to qualify for this type of loan. I would like to purchase a single home in ... |
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 Do you really need a realtor when buying a home? |
| can I just go to the local bank and If I get preapproved go with the paper in search of my new home and show that to the people selling the home? what is the cons and pros of doing it on your own? ... |
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 My name is on title and not the mortgage, if I move out what happens? |
| There are 3 of us, all "freinds", on the title but the mortgage only has one name on it. My "friends" are being dumb and I want out. If I move out what happens? Can I remove my ... |
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 Hi, me and husband to be would like to buy are first home but we both have a bad credit rating? |
| we have a 20,000 deposit but do you think we will struggle to get a good mortgage any companys you could sugest for us ... |
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 I want to be a real estate agent? |
| I am planning on taking the Century 21 course and I want to get a job with them right after. They have an immediate income preogram for new agents. I have 2 lil girls anda fiancee and I was told by ... |
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 Housing benefit? |
This question is for people who have filled out the form. Is it possible to get housing benefit without the landlord knowing or being contacted, if so, how?
No private landlords seem to ... |
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 I am 62,and have about £53,000 from the sale of my present house.? |
| I think in the area I want to live I will have to pay up to £100,000 for another one.I can get a mortgage ok,but as I am single,live alone,and have no-one to leave the house to,I do hate paying up ... |
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 What factors decide the fall in real estate prices? |
| what are the factors that decide that the real estate prices will go up or they will fall ? Am intrested in knowing factors that rule the fal in real estate prices.... |
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 How long do I wait for an answer? |
| My husband and I appiled for a modular home loan on monday and they said it will take about 2-3days I still havent heard anything either way. Should I wait one more day? My credit isnt the best and ... |
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 Should I buy an investment property now or later? |
| I am located in Northern VA. I have 700 credit score. I want to buy a house and then put it on rent. Should I wait for the prices to go down more or no?... |
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Mlo | Should I repair my credit before purchasing a home, or continue renting until I repair my credit? |
I want to purchase a home, but I am currently repairing my credit from mistakes I made 4 years ago. Ive consolodated two major issues on my credit, a large credit card bill and money I owe the IRS, smaller issues I have recently paid in full.I have enough money to either put into the bank for a down on a home or pay off my debts within a year or so.I now have a good job and hate throwing away money on rent. What is more important, continue paying rent until my debt is paid off and I can get a better rate on a home loan, or purchase a home now? |
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anne l
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If you owe money to the IRS, pay it off.
There are many lenders that do mortgages for people with less than perfect credit. Some will do 100% financing with credit scores of 580+. You should know exactly what your credit score is and you there are many places that you can get a free report.
No bank will finance you with IRS liens, but if they are not liens yet and you are paying them, call a broker in your area and see what you can do. It is always better to own than rent. |
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Maggie67
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Pay off your creditors first and save for a larger down payment. The better your credit score, the lower rate you will receive on a home loan. You'll want to check your score before applying for a home loan. |
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Amanda H
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Talk to a mortgage broker and take a good look at the rates and such that you will get. If they are reasonable, buy now.
If they are too high, pay off some debts and make sure you are creating a new, good credit history (unforutnatley Credit cards are a must in building history, but jsut dont charge much on them.) |
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SWM 38 _4_ YOUNG GF
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USUALLY TAKES 7 YRS TO WAIT ! |
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veeD
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The best thing to do at this point is to continue to pay off your debt. I would also write letters to companies that are reporting bad info on your credit.to make sure they haven't received payments from their insurance companies for the debts that you have with them. If that is the case they should remove them from your monthly CRA reports which will then be removed from your credit. |
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gtofinancial.tomvoli
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Credit can be rescored in less than 1 week now. I wrote a blog on this last week. Check it out. |
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ray b
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Rent is wasted money making someone else rich..Purchase the home now and perhaps you can incorporate into the mortgage all of you outstanding debts including I.R.S., even if you have to purchase a cheaper home than you planned...After owning the home for a few years and all is settled and your beacon score is excellent, sell home and buy the one you want, besides you will probably sell for more than you pruchased and make a few bucks. |
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selfemployed
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it depends on your credit score. I'm in Cali so your credit score means a lot. a bad credit score can mean a higher house note. why not fix up your credit now. or pay for it 2 times later.( a higher house note + fixing up your credit.= money gone. ) ( fixing your credit + buying a house later = more money in the bank ) |
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bwalsh1
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If your credit is good enough to get a mortgage and you can afford it, buy a house now. Rates are still low. Plus you'll be building equity instead of throwing it away. You can always refinance when you have better credit if you need to. |
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tonalc1
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In the long run, it'll be better to repair your credit. An extra point or two on your mortgage rate could add up to many tens of thousands of extra dollars paid over the life of the loan. |
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boopster1979
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I would recommend paying off the old bills and repairing your creidit first. This will allow you a lower rate and save you money in the end. As a renter you don't have to worry about home repairs, insurance, or taxes. I would definitely wait. |
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dajuan_n_only
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The truth is from the information you have given no one will be able to give you complete sound advice. There are more details that are needed. If you log onto http://justgetaloan.net/ and fill out the complete application that will allow us to get you a loan qualification. Than with that information we can do a thorough and complete rent vs own analysis. That way we can wiegh out the pro's and con's along with long term vs short term benefits for example tax right off from ownership, or possible saving and better programs for improved credit. If you would like log on fill out the complete application that way we can do the analysis. For additional assistance feel free to contact me Jenold Freeman at 866 530 7300 ext 7305 or by email at jfreeman@justgetaloan.net |
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