 How long can my landlord keep my security deposit? |
| I gave the key to my landlord on the 17th and we did a walkthrough and that was done, now she is saying that it will take 3 to 4 weeks from today the 13th to get my security deposit back, because she ... |
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 Owners selling condo, how often can she bring people over? |
| The owner of the condo we are living in is selling the place, how often can she bring prospective buyers into the condo while we are still living there? It's getting a little intrusive after ... |
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 Why doesn't real estate just sell for the asking price instead of having to go thru all the paper work...? |
| Wouldn't it be easier to just put a price on it and sell it for that price? We don't go thru all of that when purchasing cars or anything else. Where did this practice start?... |
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 "Forgiving" Mortgage defaults? |
From what I understand, a couple of years ago, people were buying houses, paying their mortgages, everything was "fine"...
Now suddenly we have this mortgage crisis-thing. Why ... |
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 Security Deposit Being Withheld.? |
| I moved out May 31st, 2006. I paid a security deposit of $350 plus another cat deposit of $200. I paid with cashier's checks most of the summer and that is how I paid for my pet deposit. So ... |
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 How can a landlord who requested you don't smoke in house/apartment tell that you have been smoking? |
Is there a way they can tell?
Additional Details
I'm not really referring to cigarette smoke, more like marijuana smoke.... |
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 Mydaughter is renting from a private landlord. Rights Please? |
| Her roof is leaking, doors to downstairs rooms all off, No floor coverings, broken front window, previous tenants (he had multi occupancy, no fire regs observed) and previous 9 tenants mattresses and ... |
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 Are there any programs to financially help first time homebuyers with bad credit? |
| i am looking to buy a home. i work full time and except for a jaded financial past, i am trying to get things straight. is there any help?... |
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 Why do new houses have so few windows? |
There is a great deal of construction, of brand new homes, in my city. It doesn't matter what contractor is building them, or what part of town they are in, they all have one thing in common:
... |
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 As a Realtor what is the best way I could win your business? |
| There are so many realtors and being recently divorced I am in need of more business. How could i do this without becoming a annoying 'salesperson"?... |
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 My boiler broke down and my landlord won't fix it? |
| it has been broke down for over a month now i have no central heating, and no hot water,and 2 small children in the house. what can i do about it?... |
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 Question about banks and mortgages? |
If my credit union collapses, what would happen to my mortgage? Who would take over it, the federal government?, another bank?
Additional Details
so what your saying is I'd have to ... |
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 How much does a condo unit cost in California???...? |
at least in a safe and healthy community..thanks..I was wondering if I can afford to move out...
Additional Details
I would want to live somewhere near the beach..but i'm also ... |
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 How do I find a good relator? |
| I am getting ready to sell my house and I don't know where to begin as far as selecting a relator. Are there any criteria I should look for when selecting a relator?... |
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 Mice in flat? |
There is a girl at work, who says she has mice in her flat, is that anything to do with cleanliness? She is on the top floor.
Plus she has threatened to call the environmental health on ... |
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 Question about Interest only mortgage.? |
| There some lenders that offer a fixed rate mortgage that only requires the interest payment for, lets say, first 10 years of the loan. Now, with this type of loan, does the borrower have the option ... |
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 Is this the right time to buy a house? Should I wait some more? |
| I have some money to invest in it. Some folks say "yes" some are on the other side. I want to buy a property in South Florida and make it my primary residence.... |
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XOSaraXO | Thinking of buying a house... first timer... what should we know? |
My husband is in the Navy. We have two small children. We are both young (21 and 22) but we are wanting to buy a house. How do you get a mortgage loan? Do you HAVE to have a down payment? What kind of things should I beware of, or look for? HELP!!! I feel so helpless, I have never done this before... all I know is I would rather sink $1000 into a mortgage than rent every month. |
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lendermark1
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http://www.lendermark.com/i_want_to_buy_my_first_home_564.htm |
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trblmkr30
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No, "a down payment will generally always be required." as stated in the previous post. There are many ways to get into a home with no money down - either 100% financing, seller concessions, grants, downpayment assistance from your local government, etc. Plus, as your husband is in the Navy, you have the possibility of a Veteran's Assistance (VA) loan, which can be done with nothing down.
You need to go see a reputable mortgage lender or broker (ask your friends or family who own near you - they can recommend someone). Also, you should get a reputable Realtor to guide you thru the purchase.
Best of luck!
Sean |
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W. E
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Hi - Decide on how much you want to spend, if you want to escrow the taxes and insurance. Say the tases are 1200 a yt and insurance 800 a year (just an estimate, ok) That is 2,000 a year divided by 12 = 166.66 If you paid 1,000 a month now - (166.66) your P/I Principle and Interest would be 833.34. Now you decided on the price range you are looking into.If you have great credit, a 1 loan at 130,000 at a rate of 7 percent over a 30 year time would be 864.89 - This is just a estimate - ok - It greatly depends if you need help with closing cost, if you have money to bring into the table - so you do not have to borrow the full 100 percent. Rates are still in the 6's but they are getting higher - ok. If your credit is in the 500's to low 600's than the rate would be higher - lots of factors to consider. Talk with a broker, a broker underwrites for many many company's (I underwrite for 150 companies) so I only have to pull credit 1 time, and they look at my credit. A single lender (not a broker) has programs available, but they may not be able to help you and your situation, so you go elsewhere, and than that person pulls your credit (see what I mean.) If you shop, your credit is pulled and that is considered a soft pull, for a 30 day period. Just like shoping for a auto, it is good for 30 days. If you apply for a credit card, that is considered a "hard" pull and it drags down your credit score. Try to find someone (broker) that will pull your credit one time, and submit your loan application to company's that will go off his credit report. By the way, a loan application is called a 1003, and they will issue you a GFE (Good Faith estimate, with in 3 days, that is per the RESPA laws, and the TIL (Truth in Lending). This will tell you the upfront closing cost (etc) associated with your loan. This is a estimate only - not the final - but it does help you figure things out. Some companys want you to escrow you taxes and insurance. Other's may not require it...Some companys add a .25 to the interest rate if you want to escrow waver...FHA loans have to escrow (at least they used to) Also, For sale by owners are more willing to help you with closing costs, verses homes thru a realitor - Because with a realitor, they the seller has to pay the realitor a percent of the selling price. A for sale by owner could help you with 2,000 - 5,000 of closing cost and not have a realitor fee. Just a idea. The Broker and their Processor and the Title Comapny work together, to insure that the survey is ordered, all inspections etc. Good Luck. |
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nothing
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Use a real estate agent in order to protect yourself. Ask others for a recommendation of one that is experienced and one they've had good experience with, but don't take a recommendation from someone that says the agent is their relative, good friend,etc.
Fraud is deeply rooted in real estate and lending. Since you don't know what to do, it means you need the involvement of someone who does know and has your best interest in mind. |
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Cat
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You need to get with a mortgage professional to check your credit and see what type of mortgage you can afford. There are guidelines for income ratios so be sure you know what your getting into and ask how your mortgage broker is getting paid. Also when looking for a home, be sure your honest with them, tell them what you are looking for and what you can afford. This will vary different from state to state depending on where you live. DO NOT LOOK AT STUFF YOU CAN"T AFFORD !!!!!! |
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beach_man_45
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There is 100% financing out there right now and Navy people do qualify. I know this because a clinet of mine that I am working with is in the Navy and getting it right now. I am retired Navy and would be glad to find out specific answers for you. You can ask them via my email and I will not badger you either. beach_man_45@yahoo.com |
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ernie_fergler
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To find out for free whether or not you can get a conforming mortgage loan, apply on-line here: http://www.nationwideadvantage.com Yes, a down payment will generally always be required. |
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jhaddonj
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The first thing is that you should find a real estate agent who knows about the various programs available for in service buyers;
VA/FHA/CALVET (IF applicable).
Usually, you have to have a down payment. However, with VA you don't, but, usually there are some incidental costs.
Good Luck! |
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T-girl
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If your looking for cheap, I know a few b/c I am also a young person that's looking for a house for me and my guy... The bad part about some of these sites is that you have to do some fixing up, but some are less than $100K, gives details of house and location (HUD- home sales). The other just looks like cheap homes. Also their is a site that emails you foreclosures for free and tell you where you can find an agent. Good Luck!! |
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aerochick001
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location,location,location
ask if it is really a good deal..
see if u like the house,and if it is worth the house
find a good real estate agent though,it gives a better exprience
go to a loan office and ask about the loans,and watch the interest rate
no down payment needed..i do believe |
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Jessica
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Hi, I can help you to get the loan you need. You don't have to make down payment, but the rate will be higher. I work with a big direct lender/mortgage broker doing business in 48 states, and because the huge volumn of business we do, we get better rate than smaller brokers. We have over 200 loan programs to meet the needs of different situations, from good FICO score and good income and down payment, to poor FICO score and NO income (called "stated income") and NO down payment, so I will be able to find the program which best fits your needs. Contact me at xjuy@yahoo.com or 408-476-0455 and I can help you. Jessica |
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Keller Williams Realtor
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Retired Marine here!
http://www.pauld-kw.com
Need a good Realtor?
If In Alabama - e-mail me
If not in Alabama - I can still recommend an experienced Realtor from your area that will give you OUTSTANDING service! I work with a network of Realtors across North Amercia.
http://www.pauld-kw.com |
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