 Why do I only see masonic lodges on the nicer neighborhoods? |
| For many years, my hobby has been to drive around in my car, and just look at the pretty houses. Friends actually enjoy me taking them on tours of the nicer neighborhoods to show them houses, I know ... |
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 Would a landlord evict over grease marks on walls |
if you intend on painting it before moving out and pay rent on time and keep the place clean others wise, would they kick you out over just grease marks on the walls?
Additional Details
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 Can we afford this loan for a home? |
| Ok, hears the deal. My husband makes about $60,000 a year and im a stay at home mom. I have no credit and he has not to good credit. His score is about 600. We want a house for about $150,000. Do you ... |
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 Is it legal for a non-family member to rent a room in your house? |
Our next door neighbors are letting non-family members rent their basement, and they have been there for about 6 months or longer now. I would like to know if it is legal or not.
Additional D... |
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 Landlord didn't pay gas and got shut off what can i do? |
i live in cicero, il and the management company didn't pay the gas and it got shut off what can i do?
Additional Details
thay agreed that they would pay the ... |
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 What happens if you leave trash in the apartment after you move? |
| I'm moving and I dont have any help. Some of the things i need thrown away are way too heavy for me to carry..What will happen if I leave it in a pile inside the apartment and put "trash&... |
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 Apartment flooded, up to 3 inches inside, can I break the lease agreement? |
My apartment just flooded. can i break the lease agreement now?
I just moved in and the apartment first had rats, then it flooded. Would I be able to break the lease agreement and move out and ... |
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 House flipping, renting duplex's? |
| Hi, I'm very interested in starting a business flipping homes, and or renting duplex type properties. I however, lack experience, and would like to get a feel for buisness. I want to take some ... |
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 What are the 10 most important things to move into your first apartment with? |
Your top 10, please....Can be anything....tv, couch, bed....etc.
Additional Details
I'm just getting some fun ideas because my boyfriend and I are saving for our first place, at 22 ... |
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 Best way to split a home sale between two brothers? |
| My sisters husband and brother-in-law share deed/mortage on a home which also includes a upstairs apartment. The brother feels the income should go to him instead splitting for home repairs and ... |
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 My credit absolutly sucks, what can I do to get us a home.? |
| The only thing we dream of is having a home of our own and our previous financial mistakes are coming back to haunt us. We dont see any light at the end of the tunnel. What should we do?... |
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 Real Estate Question please help? |
1. If the Plano municipal court rules that a local builder did not properly follow the Plano Building Code, this decision would establish a precedent for similar disputes arising in Frisco.
True ... |
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 Is it wrong to make an offer on the first house we looked at? |
| We want to make an offer on the first house we walked through. We saw one after that but did not like. We have been looking at houses on the internet for months but just got the cash to buy one. I ... |
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| To buy or not to buy (our council house)? |
| We are renting a 3 bed council house with good back garden and drive to front in a fairly nice area of a fairly nice town. We know we want to stay here for a long time but don't know if now is ... |
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 Just got kicked out and i got a 3 day pay or quit letter. if i dont pay it how long by law do you have? |
| the lease is over in september and i dont want to pay rent now. i want to know what the laws and the rights i have and how many months i can be here please let me know thanks!... |
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 Can I get a home loan for 99,900 with an income of 44,000 and no downpayment. ? |
| My credit score is 575 and my husbands is 595 and we have not been late on a rent payment ever.... |
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 I want to put an offer in for a house but I haven't arranged my mortgage yet? |
| Is this a bad idea? Im worried if I dont put an offer in soon someone else will and it will be too late, but will they be put off if I dont have a mortgage ready?... |
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 I'm just about to buy my first house...? |
and I'm down to three contenders:
http://www.losanjealous.
http://farm1.static.flic
http://www.... |
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 I have tenants that will not move out and I gave them a month and a half notice to move? What are my options? |
My house is being sold and the people who are buying it want it empty. My tenant said that she is going to go to court to see what her options are? Does it matter that they have 2 kids?
A... |
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carissa1_99 | What Exactly is looked at by lenders to give a home loan? |
I know your credit, but what else exactly? |
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walkstallshadow
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Credit
Income to Debt Ratio
Your Tax Returns
Your Bank Account (number of overdrafts)
Your Income (to determine how much of a payment you can afford.
Length of time at your current job.
Amount of money you have saved.
Amount in 401K and other investments |
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Mike
|
Credit, income to debt ratio, income to loan ratio. |
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bostonianinmo
 |
Pretty much everyting:
1. Credit score
2. Debt to income ratio
3. Loan to value ratio
4. Employment or income history
5. Available cash for down payment and closing costs
6. Source of cash for down payment and closing costs
7. Appraised value of the home being purchased
8. Condition of the home being purchased |
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actont2001
 |
your job, your household income, other loans,credit cards, payment to other companies you are currently making. and your assets |
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...Melissa...
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They look at how much you make and how much you owe (your debt ratio). If they feel you don't make enough to pay what you already owe to other creditors and to pay them they most likely will not approve you for the whole ammount. |
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MuddButt
 |
Your debt to income ratio. |
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iceman
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- INCOME -- this is and always will be the most important factor. They want to see if your income can cover your mortgage payment based on your house cost-- and they also factor in your other debts as well. This is called your debt to income ratio.
- Down payment.The higher the downpayment the more secure the loan is to the bank. So if you get 20% or higher, the banks will not be as strict on on requirements. If you get 5% or less down, you need to be well qualified in other areas.
- Other debt. The banks will look at your outstanding credit card debts, and other loans to determine if you can afford the payments. |
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