 Which willl help the value of my home more. closing a agrage for a fourth bedroom or finishing a basement? |
| I recently bought but have a prepayment penalty. My job may be changing and I will have to sell. I can close in the garage and finish it for about $1000. The basement will cost more but I need an ... |
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 Would a garden pond put you off buying a house? |
| were putting our house on the market soon, we have two fish ponds in the back garden one is quite large 10ft x 6ft x 3ft deep and is home to ghost Koi,the other is a lot smaller and just has goldfish,... |
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 REVENGE! How can I get my landlord back? |
| I moved out yesterday. My landlord was a real deadbeat and a jerk - refused to fix the broken toilet, wouldn't let me have guests for more than 2 days, put threatening notes on my visitors'... |
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 1 year from now will your home be worth more or less than it is today? |
Additional Details
Based on the current market, economy, politics, location, etc. do you BELIEVE your house will be more...... |
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 Apartment roof leaked, computer destroyed, is my landlord liable? |
This is for a friend. I am on here to get information to help her.
She lives in California, 3rd floor (top floor), of an apartment building.
The roof leaked 1 month ago and a ... |
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 House prices? |
we are in the process of looking for a house to buy, do you think that house prices will come down eventually?
Additional Details
house prices in the ... |
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 Is $875.00/month too much to charge for rent? |
| I have a 4/2.5 bath home (1352sq ft. not including the Florida room) I want to rent but I'm not sure if I'll be charging too much or too little considering I want the tenant to to provide ... |
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| the council think my fence is bows on to sa publick highway and i need to find exact ... |
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| i have three kids the ages are form 5 to1and a half and i had to move out of my house because they sold it and i had to move out because they up the rent on me and i could not pay what they wanted so ... |
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| please expain to me how a nurse I work with can get help from the government to buy a house? She is a single mother with a 13 year old child, makes good money, and has already purchased one home in ... |
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 If you are living in rented accommodation? |
| does the landlord have to provide a key for each tenant or do you have to get your own cut.......also should the house be clean ..........finally the back yard is full of rubbish who should get rid ... |
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 Are house prices going to fall in the new year? |
Additional Details
We're moving from a semi to wait in rented for the ideal property (hopefully) a detached in the NW of England. From the answers so far, doesn't look like I ... |
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 My house is worth 256,000 less than I owe...? |
| I am very nervous because my house has dropped significantly in value. We owe $642,000 on it and according to zillow.com it is worth $386,000. We have 3 mortgages on it 1st for $405,000, second for ... |
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 WHAT ABOUT THE ONES THAT ALREADY LOST THERE HOMES? I WAS A HOME OWNER FOR 12 YEARS I WANT MY HOUSE BACK. HELP? |
I WORKED HARD FOR MY HOUSE AND I COULD AFFORD IT TOO.
I THINK IT IS MY ERROR BECAUSE I LACKED KNOWLEDGE OF ARMS AND HOW SUB PRIMING WORKED. (MY FAULT).
BUT I AM NOW LIVING IN AN APARTMENT ... |
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| I have lived in my house for 8months only & having difficulty paying the mortgage should I sell or rent my hom |
| I have a 2yr prepayment penalty and we did 100% financing when we bought the house. My husband commutes over 50 miles oneway to work and I am looking for work and his paycheck barely pays the ... |
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 My tenant has not paid their rent.? |
My tenant has not paid their rent, they are past the due date and they will not return any calls what can I do.
Additional Details
Thanks responce.
The tenent is a mum of 2 going ... |
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ouisy_01 | What if I skip a mortgage payment? |
I am short this month. The mortgage is a 30 term. Will it be added on to the very last payment if I don't pay it this month? Will it increase my mortgage payments for next year?
Additional Details
I have never missed a payment yet in 4 years. |
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It's Me
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Skipping a mortgage payment is the worst thing you can do to your credit if you haven't worked it out with your mortgage company. Call them FIRST and see if they will do this and go ahead and add on the interest.
My advice is to cut back in other places FIRST. |
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Emily B
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You can't just skip one...you'll be delinquent and it will negatively affect your credit. If you've got payment issues call your mortgage company. Perhaps they have a solution for you but you can't just skip it--it does not automatically go to the end of your loan. |
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ed201283
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You would have to call the lender and request that. They may or may not agree to it. If you do nothing at all, it could eventually lead to foreclosure. |
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surfer_grl_ca
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Don't just skip a payment. That will be on your credit for a long time. Your best option is to go to your mortgage provider and see if you can find a solution rather than not paying it all together. It would not be added on the last payment it would remain there on your next payment and alll following bills until it is paid. |
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staceydian
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You don't want a 30 day late payment to show up on your credit repor!! Call your mortgage company/bank and make a payment arrangement!! |
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fried_twinkie1
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You'll be charged a late charge and of course, you will have an additional mortgage payment to make before your house is paid off. Think of it this way, you have this principal balance to which interest is applied and so your principal balance will not go down one month and it will be hit with that interest. Have you ever thought of calling the mortgage carrier or a customer rep and saying you need to skip a month rather than ignoring the payment. You have a great credit record, so why not tell them and work something out. |
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♥ Papa ♥
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You'll get annoying phone calls reminding you your late. Consider calling the mortgage lender and letting them know you're a little short, perhaps they'll work out an arrangement. I don't believe foreclosure is an option to them until you have missed six or more payments. I would call them..... |
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Daisy Mae
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I totally agree with its me . It takes a long time to build a credit history and a mistake or two and your score will shoot down. definetely call to see if you can pay half the payment without it affecting your history. have a garage sale or sell your plasma at a blood bank. who knows if you are really desparate ask your parents for the money but promise to pay them back. |
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jseah114
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If you skip your payment this month, it will be added to the amount due next month, plus late payment fees. You cannot drag it out until your last payment "x" number of years from now, nor can you split it out and allocate it among your remaining payments. While the lender normally won't foreclose for one late payment, if you continue to have one payment outstanding (next month only pay 1 payment, the following month only pay 1 payment, etc.), the lender may, and would have enough reason to, initiate foreclosure proceedings.
If you have an escrow account where you are paying in for taxes, etc. the lender may take your future escrow payments and apply it towards the mortgage payment first. |
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Kripster
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My girlfriend is a mortgage consultant. She would tell you that it may affect your credit ever so slightly. |
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mighty_whitey
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If you simply skip a payment, then pick up the following month and make all your payments on time, your lender will show EVERY SUBSEQUENT PAYMENT AS 30 DAYS LATE; ie; each payment will be credited to the previous month, not the current one. You don't get to just skip a payment. They don't just add it on at the end of your term. You will trash your credit. If you make two payments the following month, you will still have a 30 day mortgage late on your credit report. Find a way to make your payment, or contact your lender immediately and see if they will make an exception for you. Some lenders are more reasonable than others. Good luck. |
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buzzwaltz
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Tell you what.! The bank Will come knocking on your door. You should contact the bank and tell them of your plight..They will accommodate you in some fashion. If you remain silent they don't know what's going on. If they have to guess they might come down on you like a ton of bricks....... |
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NONAME
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No, it doesn't just get tacked on to the end. You'll owe 2 months next month. And fall further and further behind.
Skip everything else you can and pay your mortgage first. Take a small loan from friends, family or even a bank if necessary.
Or send as much as you can, and send the rest before it gets 30 days late. 30 days late is when it starts hitting your credit report. And a late mortgage payment is not good for your credit rating. |
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J*A*K*C
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No it will make you behind. If you don't pay for so long, they can foreclose on you. My advice. Pay it. |
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preciousm
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Call the owner that your buying the house from and see if he will
let you pay on it with your next payment.Or you can probably pay
on it before then.Make sure that you keep up with your payments from now on okay. |
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Lewis A
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it will be added on on to next months payments w/ late fee charged |
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