 I have mice getting into my refrigerater? |
| It is so disqusting we keep the spot clean we always take the trash out vacumm daily ,keep our food in large plastic tugs we live in the city in row homes and we cant keep them out we tried poison, ... |
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 Does a landlord have the right to walk into your home?..whether you are home or not.? |
| I was in my sons room and saw my landlord drive by. I then heard a knock on the door.( like 2 seconds later) I knew it was him but I couldn't get to the door in time. As I was (finally) walking ... |
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 Who is to blame for UK housing market decline? |
| I would say home owners being greedy, wanting unrealistically high and unsustainable prices, estate agents encouraging silly prices to get bigger commissions, banks being greedy knowingly lending ... |
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 How do I get a package if I live in an apartment? |
If I was to order something online to have sent here, would it just be left by the door if I live in an apartment complex? Ive never ordered anything while living in an apartment before.
-T... |
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 Can I buy a house? I am 24 creit score 700 and make 24k a year? |
But I am in school and have about 20,000 in student loans. I also owe 6000 for my car.
Can I buy a house?... |
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 Is my credit score too bad to buy a home??? |
| I am a 25 year old single male. I am looking to buy a new home next year and I recently checked my credit score to get an idea of what I would be looking at. My credit score was significantly lower ... |
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 Is it possible to list a house for sale with more than 1 realtor? |
| we have 3 friends in the biz, and don't want to offend any of them, so we'd like to have them each get a portion of the commission if possible. If state law would be a deciding factor, we ... |
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 Does my landlord have the right??? |
| The lease agreement on my house us up at the end of April. My landlord contacted me yesterday and said that they wanted to start showing the house to people at the beginning of April.I do not want ... |
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 Can you pay for an apartment in advance? |
| I have a decent amount of money, enough for a years rent in a cheap apartment, but no credit and no cosigner. Will they take 6 months, or a year or whatever in advance to solve the credit issue?... |
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 Does a landlord have the right to get rid of an ex tenant's stuff? |
| My friend is a landlord in Texas .. his tenants trashed the house, didn't pay the last two months' rent, left rotting food in the fridge when they left and the place was like a pig sty ... ... |
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 What income level do I have to be at to qualify for a $200,000 mortgage? |
| How much money would I have to make to qualify for a mortage of $200,000 with a FICO score bewteen 650-700? Currently making in the low $60K'... |
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 Does a deposit have to be paid back? |
| if a deposit is paid to a private landlord for a property, then a credit check is done, and you cant rent the property does the landlord to have to pay the deposit back?... |
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 If I move out of my rented property without paying the last 2 months rent |
Can the debt collectors or courts find me if I don't join the electoral roll.
This is for people in the UK to answer please.
I know I'm underhand and a bad person ... |
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 I put my boyfriends name on the deed to my house...? |
| I put him down for 20% and me down for 80% since I bought the house. However now we are going our seperate ways and the house has sold. The closing date is not until May 30th. Does anyone know ... |
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Iloveshane | What is better? My husband and I are looking at homes within the 150-160 thousand range.? |
we were quoted online to afford a mortgage up to 250,000 so this is well below that. Well my question is--should we buy a cheaper home that is 80,000 in a town 20 minutes away from where we really want to live. then sell and buy a new house when we have built up some equity. or is it better to just wait a few more years and save up a downpayment. also, we are 1st time home buyers. if anyone has any advice that would be helpful. we would only live in the cheaper house long enough to afford a house in the area we want to live in. what should we do??? |
 |
 
Sock
|
Put price aside when you consider buying a home, and think instead about those towns where you wish to live. Focus on those issues that are important to you (Good schools? Reasonable taxes? Commuting distance? Access to public transportation). Make sure to carefully inspect your prospective home (termites? radon gas? major potential repairs to plumbing, electrical, or heating systems?). As make sure to careful inspect the neighborhood (I once looked at house in a beautiful neighborhood that appeared low in price, until I realized that hidden from view was the country landfill less than a half a mile away).
In most cases, if you purchase a house within a desirable community, you will stand a good chance for equity growth and the occasional mood swings within the market will not impact you as much as homes within marginal communities.
You can never underestimate the power of research. Your best house deals occur when you understand a specific housing marketing, so you know when you see a price that is below market. Every town has an assessor's office which can give you a sense of a house's fair market value...and the local county should have records on hand of all the recent home sales in specific neighborhoods. My wife knew exactly where she wanted to move when we purchased our first house, and when a home came available, we were ready to act quickly.
Try as hard as you can to put down as much money as you can, and don't over extend yourself when it comes to monthly payments (don't forget to calculate your taxes and insurance and occasional home repairs.). It can sometimes take a couple of house ownerships before you can buy that dream house (that happened to me, for instance), but in most cases home ownership represents a better financial bargain than renting. |
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Chestersmom
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I say wait it out...a move is a big deal. There's no saying you'll be able to sell your 'transition' home when the time comes. We've been looking for four years for the perfect home for our family and we refuse to' settle' It's the biggest purchase you'll make in your life. We're currently home owners and are looking to upgrade. W/ two kids we need more room. But it has to be what we want, and where we want. The beauty is we don't 'have' to move, it doesn't sound like you do either.
Hope this opinion helped! |
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pebbles
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It would definitely be worthwhile to save up for a nice down payment. Go to a bank to get pre-approved and if they say that you can get a house for 250,000, then get a house for 200,000 or less. You don't want to spend your whole monthly earnings on a house payment and not have much left over. I would definitetly save for a down payment first. Good luck and remember, patience pays off. |
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bl
|
it's hard to say, renting sux and the advantage of equity is huge.
but, if the mortgage is not fixed, or if it is one of the high risk mortgages (california, interest only, etc) then pass.
if u get a good rate, then now's a great time to buy. prices may fall some more, but just like you never try to find the top to sell, you never try to find the bottom to buy.
buy and plan to hold for 4-5 years is best plan.
less than that is risky, and with the cost of mortgages, real estate agents, etc it may not save any $.
on the other hand, if you have tax write-offs, this can be huge. ask your tax man if it will make you money on that end also... |
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L L
 |
Let refresh your memory a little bit.
How many years you and your husband have save money, what is the saving amount today?
Further more, if you double that year time would you double that saving amount? for sure?
Then rate yourself how well can you save you money?
Home is appreciating in average of 5 to 12% in US, except last few years they are in the three digits instead of two digits appreciattion. Average home in US reach $250K+ last few years, while 1500 SF home it will only cost to build as low as $70+.
Do your math and if you need more help let's hear more from you.
Buy house if you can, but learn about real estate investment work to your advantage. If you can get some successful Real estate Investor to mentor you for free, then it would be my advice. Then you are ready to build your wealth.
Buy house or invest in real estate it is the same thing!
Best of Luck |
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maur911
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Most importantly figure out mortgage/taxes and utilities and be sure the total is within your budget!Mortgages are harder to get today because of the sub-prime debacle, so first go to a mortgage lender like Country Wide Financial and get pre approved and be sure to understand every thing before you sign anything. Then you look for homes that you feel fit your life style and needs and compare the differences of homes 20 Mins. away and homes closer to you work. |
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Christie W
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SOUNDS GOOD |
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CJ
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Buy now. Rates are about to drop, its an incredible buyers market with many incentives from sellers. Then a few years from now, you can sell and make a huge profit due to equity since the housing market will inevitably pick back up again. Who cares if it's 20 minutes away now, you're on the outskirts now, but in a few years building will extend more toward you. When you sell this property, there's your down payment and then some for your next big house wherever you want to go. In a few years, you may be paying a higher purchase price compared to now and you wont be able to build as much equity.
Don't trust anything that has been quoted to you on line, You need to talk with a loan officer face to face, get all papers and figures and facts in order, then make sure you have full bank approval before you start shoping around. The on line quote is just a comnputer pre-qual and is worthless at crunch time. If you're buying something that is $80,000. your mortgage is going to be rediculously cheap anyway, so why waste your money paying rent (and your landlords mortgage for him!) Even at $150k your mortgage would be cheap as hell! Maybe you should just go straight for the house you want now and take massive advantage of this buyers market, it wont stay this way for long, instead of hemming and hawing and moving back and forth. Lock it in now while rates continue to stay low.
As far as being first time buyers, make sure you use a Realtor you feel you can trust and that you have a rapport with. |
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white c
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save and live where you really want to live |
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thedarksideoflife524
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If you wait, the prices will end up getting too high, and you may end up spending too much in the long run. Get something now and work your way up. You'll build equity, and it'll give a better credit rating. |
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Toadsputum
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Being a first time home buyer you migh qualify for a no money down mortgage. Bank of America has something like that going on now. If you can't afford the house that you want, I would purchase the 80,000 home and try to build some equity. That's what we're doing right now. |
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Alterfemego
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You might want to consider moving up slowly. Buy what you can afford now that will provide you the amenties you need, but not be a life breaker financially. |
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