 Should i rent a house that has no central heating? |
i am house hunting at the mo and have found a really nice, 2 bed end of terrace.
the house is fairly big an has lots of character.
the only problem is....its got no central heating!!!
... |
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 I purchased a home with countrywide in august 07.we are in default of the loan.How do I know if Its a subprime? |
| mortgage.And if we are going to get help or not.We dont want to lose our home,but are facing foreclosure.last time I talked to countrywide,they said we would recieve a foreclusure notice by dec 11th.P... |
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 Why is this house so cheap? |
The OTHER ones in that area are about $100,000 more expensive but why is this : http://www.roseburg-prop
only $49,000??
Additional Details
http://www.... |
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 Am i able to buy a house with this salary? |
| ok so i work 2 jobs and make 20$ an hour together and i get paid bi weelke my boyfriend makes about 8 an hour and also gets paid biweekly. about 2400 a month all togehter what type of house ... |
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 DO I HAVE TO PAY TO TAKE MY NAME OFF MY HOUSE DEED WITH MY BOYFRIEND? |
| ME AND MY BOYFRIEND OWN HOUSE AND I NEED TO NO IF IT COSTS TO TAKE MY NAME OFF... |
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 My landlord keeps harrassing us, What do we do as tenants? |
| He is an old friend of my husband's father.. They grew up together, so when we moved here from another area he offered his apt. without a lease. For 1 yr now, he keeps calling us at all times of ... |
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 Filed ch13, now facing foreclosure-what do i do? |
| we filed for ch 13 last year coz we were behind on our mortgage, we were unable to keep up with ch 13 payments and mortgage, coz we lost our jobs. what do we do? we have equity in the home, enough to ... |
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 What is the best excuse to get out of an apartment lease? |
| My fiance, 2 months ago, decided to get an apartment with a lease of 6months before i decided to move down to live with him in Texas. Our landlady is a witch! She is scamming us of our money, is ... |
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 What do you pay for an apartment rental or mortgage where you live? |
I've mostly been in the "weddings" category because I'm getting married this Summer. YAY!
A lot of people ask questions about how much you're paying for certain ... |
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 Would u buy ur kid a condo if she is in college and u could afford it? |
| we think paying rent is wasting money. instead want to buy her a small condo. she can live there with at least one other friend who will pay rent. the mortgage will be offset by the renter. we can ... |
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 I found the house I want to buy. Do I need an agent? |
| I want to know if I lose any negotiating leverage by allowing the seller's agent to act as a dual agent. Will I get a better price if I cut out the real estate agent on my side?... |
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 Can a 21 year old with 30,000 dollars and good credit get a rent to own home? |
Or will they get turned down because of their age and waiting tables?
Additional Details
I had a lot of people tell me that I probably couldn't do it because of my age and job.... |
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 Does the propane left in the tank belong to us or the sellers? |
| We just bought our first home and the sellers have now (almost 2 weeks since closing) told us that they are getting a refund for the propane left in the tank and that we will have to pay the gas ... |
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 I need a realtor's advice? |
| My husband and I just bought a house for $129K. We orginally told the realtor we were going to finance 50% of it. Now, we are going to go ahead and pay all of it in cash. The realtor said we need a ... |
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 If a condo is selling (listed on MLS) for 190,000? |
can anyone out there tell me what are my realtors chances of negotiating the price down to 180,000 my loan amount. I am not finding anything I like in my price range and dont have much time.
... |
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 My friend has 2 mortgages on her house? What does that mean? |
She has two mortgages on this over $300,000 house.
What does that mean?... |
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Stepford Wife | We are renting to own a home and Landlord has told us that his homeowners insurance has gone up to $625.00? |
monthly. Our monthly payment with this increase is $2150.00 per month. I am a Stay at home Mom and we can not afford this!! He told us to try to get our own coverage when we moved in 2 months ago ( we tried, but unless you are the homeowner- you cant change the policy) and he will not fax over documentation to Allstate. They quoted us 1200.00 a year!!
What can we do?? We did not sign a lease for $2150! Our lease shows $1500.00 a month. We love our home- it is perfect for us. But we cant pay for this home!!! Please give me some advice.
WE CAN NOT AFFORD TO MOVE AND LANDLORD IS NOT RESPONDING TO OUR CALLS/EMAILS/LETTERS!!
Additional Details
My husband is already working 16 hours a day 6 days a week. We only have one car and I have to be home with our baby... |
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pleasure6910462
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I would save all of the evidence I have--emails, phone bills showing that you have tried to contact him, and go to your local Legal Aid office to get some housing info, you can also try the Bar association in your state who may also be able to assist because attorneys are supposed to volunteer a certain number of pro bono hours annually. Remember to keep copies of everything and hold out on your rent until he provides proof. Also try calling the insurance company yourself and ask for a quote anonymously and see how much they charge. When you get to court--you most certainly will be going--bring all of your proof, and ask the judge to have him give an explanation---this doesn't sound kosher. He sounds like he knows the limits of the lease and is trying to get money in any way he can. |
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are we there yet
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there is NO way that your homeowners insurance should be 625 a month!!!!!!! i pay less than $400 for the year!! i think your landlord is jipping you.. what kind of rent to own contract do you guys have?? i bet you guys are paying all this rent, and he will probably never give you the property.. you need to find out what is going on!!!! seeing as how he won't even e-mail or call you back about something so little, imagine whne you pay off the house and want it signed to you.. i anticipate trouble for you!!!! |
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T C
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Unless you signed a contract to provide insurance. It is his expense, not yours. Even if you are (just) renting, he has to abide by the contract. If you don't have a contract, you have an implied month to month rental contract. Bring this to a head, immediately ( I think you are being scammed). Quit paying rent. Today! Send a registered letter asking for a copy of the increase insurance policy. Don't admit, or acknowledge that you are paying it (because you shouldn't be). Let him evict you, if he won't show the increase, and, let you talk with the insurance company. It will take him three months to get you out, he has to file an eviction in court. If he does, counter sue for the buying contract. You need to be equal contractor's in this proposition. |
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lizzgeorge
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If you have a lease then you don't have to worry. The landlord can't change the terms mid-lease.
Furthermore, he is trying to rip you off. NO homeowners' policy for one home costs that much.
He cannot legally evict you for not paying this. If he tries, talk to an attorney (the first consultation should be free, and all it might take to get this landlord off your back is one phone call from that lawyer). |
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go_lc_bears
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There is no reason for his insurance to be $625 a month. Ask for proof and renew your attempt to insure the place yourself. I pay a quarter of that amount monthly for an entire apartment building. Even the quote you got for 1200 a year is only like 100 a month. |
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Robert L www.gogreedy.com
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I would ask to see the policy. I will guarantee you should not be paying that much per month. If you get the policy number you can contact the agent. I would like to bet that the 625 is a six month policy. Even at six months that seems high. I guess that would depend on where you live. By the way that is less than 105 a month. That sounds reasonable. Good luck
Bob Laibach
www.gogreedy.com |
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MissV
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Unless you're on a month to month contract, your lease cannot be arbitrarily changed.
It sounds like, if he's being honest, that the owner may have neglected to pay for the homeowner's coverage, and the mortgage company has taken out their own policy. Which they can do to protect their interest. Which, has been known to be astronomical.
It would have been his responsibility to take out a dwelling policy (a lot cheaper) and expected you to take out a renter's policy.
Realize you're still in a good position. The landlord will not find anyone to make those kinds of payments. Unless, he's lying and trying to get you to move for other reasons.
Although you're trying to keep the lines of communication open, your landlord is bound by your agreement. Since he's provided no proof of increased coverage, you're not obligated beyond the terms of your lease agreement. |
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Gwynn T
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You have rights, and the first one is to be shown proof of the increase. You need to see the increase letter in hand. If you are on a lease, and you may need to check with a lowyer, but I know in Michigan that is not leagal. A LAND CONTRACT, he can add insurance and taxes NOT A LEASE! The lease must be prefigured and the amount on the lease is the amount you are liable to pay.
a LEASE with purchase option means a portion of the rent goes to the deposit as a down payment for when you buy.
You cannot get a homeowners insurance if you are renting, so it sounds like your landlord wants the best of both worlds.
Call a real estate lawyer.
I can help you buy the house if you need help. |
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BoomChikkaBoom
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You can't get homeowners insurance unless you own the home, but you can get renters insurance. He owns the home and is responsible for insuring it. You are responsible for insuring your belongings and for getting your own liability insurance.
I am mystified as to why you didn't manage to figure that out on your own.
Unless you somehow agreed in writing to pay his costs, it's pretty simple ... don't. |
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