 I am a Mary Kay Consultant and i need a checking account but cannot open one because i have bad credit? |
| hi would someone give me advice on how to open a checking account with bad credit. i cannot believe i cannot open a checking account. can i do my marykay business thru a savings account but my ... |
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 Should I give a receipt to tenants when they pay their rent? |
| Im a new landlord and I'm tryin to learn whats common and whats not. please give any other tips you may have in helping me be ... |
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 I purchased a new home because my home builder promised us a family oriented community.? |
| It has been 3 years and to date we have no pool, playground, clubhouse, amenities. Can I sue them?... |
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 How soon can you get a mortgage after getting a chapter 7 bankruptcy discharged? |
| would it make a difference if i was just a co-signer as my income is bigger than my spouse, and would improve our debt to income ratio to qualify for a loan.... |
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 If there are not enough houses how comes the price is falling? |
| Another dirty trick by the banks to steal our money do you agree?... |
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 Credit Scores and Mortgage Rates? |
| Let's say someone has 803 FICO score, no debts, 90k year salary, investments, and savings. Let's say the person is single with no co-borrower. If lenders listed daily prime rates of ... |
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 Realtors Commision Question...? |
| If I found a listing online and am not working with an agent, can I get some of the buyers commision off of the total sale price? Is there any way to sway a better deal on the house?... |
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 What recourse does one have when a landlord refuses to provide heat in freezing weather? |
| My mom is a tenant in Brooklyn, NY. Despite repeated requests, the landlord will not provide heat in the building. This is one of his many antics to push the tenants out, as it is his intention to ... |
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 Why don't people who are currently selling property (in the UK) acknowledge that they need to drastically... |
...reduce their asking price?
I mean, a Recession has been predicted and property vendors STILL have their heads in the clouds thinking they can achieve maximum returns on their house/flat ... |
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 How do you determine if you paid too much for a house? |
| We recently closed on a new home in Texas. The asking price of the home was $143,990, but as an incentive (per the builder) they decreased the price to $137,990. That's what we purchased the ... |
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 Me and my fiance are looking to buy our first home, how much should we pay for our home? |
Together we make $80,000 a year. What is the percentage that should go toward monthly mortgage. With no money down.
T... |
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 Is there anyway that I can get a mortgage with no downpayment? |
| I have great credit, but it is new.. Bought car in August, 2 credit cards, and make about $30,000/year. I only need at the max $75,000. I have no money for downpayment, but can sustain a mortgage.... |
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 Can a landlord take your personal property for back rent? |
| I am 1 month behind on my rent and my landlord left me a message saying that if I don't have the money by September 10th he is going to come in and take all my furniture and TV and what not. And ... |
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 Gave deposit, didnt sign a contract, never moved in just changed my mind 1 day after can I get deposit back? |
| I gave the deposit for an apartament without signing contrat, next day i changed my mind, and dont want to move in and they wont give me the deposit back.... |
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 I am looking to buy a home. I just recently filed bankrp. I am a mother of three kids and my budget is small |
| What programs are out there to help a mother of 3. We are living in a small apt at the moment and we need something bigger. I hear about all these programs out there but, its all confusing to me. I... |
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| Buying an apartment or flat? Is it a good investment and will i find it difficult to sell? |
| I'm considering buying an apartment or flat but i've heard that they can be harder to sell than houses. Is this true? Does having other homes in the same apartment building as yours cause ... |
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 Is it true that you can get evicted if you mess with the smoke alarm in your apartment? |
| A couple of weeks ago, I was baking chicken, & the alarm went off. My next door neighbors came in & took it off. I asked, "Wouldn't I get evicted for this?" & they said, &... |
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 I would like to know every ones opinion on was going to take place with the real estate market over the next? |
| i would like to know every ones opinion on was going to take place with the real estate market over the next few years , im think of buying a 200,000 townhouse in brownard county plantation south ... |
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Troy B | We are buying our first home, is it better to to talk to banks to be pre approved or let the real estate agent? |
We are buying our first home should we talk to banks ourselves to be pre - approved or go through our real estate agent and let him work out the details with the banks? |
 |
 
Rachael
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Always talk to the bank on your own before talking to a real estate agent. Your agent is more interested in selling you a house than in your financial responsibilities and will do just about anything to get that house sold, including try to talk you into locking yourself into a really bad mortgage.
Talk to a few banks and see what they offer you. Make a decision about your mortgage before you ever talk to a real estate agent so that you have a solid budget in mind when you start looking for a house.
Good luck! |
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chatsplas
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NO, don't let realtor. . . . .this is your personal financial information. . . .it is yours, and you don't disclose all this to her. . . . . |
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estielmo
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Get pre-approved. If you are new to this you might work with a Buyers Agent to walk you thorugh the whole process and protect your interests all the way up to closing. |
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Jonathan T
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Speak to an Independent Mortgage Advisor. |
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Broker
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talk to your broker and get some opinions from him about some lenders in your area. Your broker might have some good relationships with banks that will allow him to get you preliminary information without having the banks running your credit. That will allow you to get a general idea of what your payments will be and the amount you'll need to put down to make the numbers work. However when the time comes to chose a lender and move forward you need to make that decision on your own. The only way to make a good decision is to get as many different options in front of you and then chose the one that best fits you. |
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src50
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Get preapproved first. |
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Tim J
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Personally... I would hold off and rent for another year. Seeing as we are in an deflationary cycle, chances are strong that you will get the same home about 10% cheaper in about a year... |
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infinite crisis 247
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you would be better off, far better off getting preapproved first. while the realtor might have a relationship with a trusted mortgage broker...you will often do better if you shop around yourself. you will also have more leverage with the realtor as you have already secured financing. also, many realtors will not take prospective buyers out until they have been preapproved. a lot of sellers will not accept bids from nonapproved buyers. you are far better off getting this taken fare of before you even step foot in a realtor's office. |
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Adam S
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I would talk to your agent first if he / she is good. To me real estate, in the end, is all about numbers. I can sit down with a client and pre-approve them myself before they even go to a bank, because I stay up on what is happening and how it affects my clients. That way they are well informed up front, know all the options available to them, and can make a good decision. I can than get them to the right lender for there situation for the best rates and terms. And if right now is not a good time than at least we can put together a plan on how to get to where you want to be. When you do go to a bank you will want to skip the pre-approval part now (doesn't mean anything anymore) and get a loan commitment letter contingent on a property address. |
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