 Real Estate fraud? |
| A few months ago I was trying to buy a home but the lender could'nt come thru with my loan in time ant now I'm out of my 2000.00 deposit.I think this is fraud. What government agency do I ... |
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 We are renters, landlord is selling house out of the blue. What are our rights? We live in Ca.? |
| We moved into our house a little over a year ago, our landlord says she is selling our house. This is fine, but the questions I have are we obligated to let her show the house for future buyer while ... |
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 What would happen? |
What would happen if i moved into an apartment that doesn't allow animals, but i keep my cat and move her in with me?
The only place i can afford right now is one that doesn't accept ... |
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 Is a pool desirable in looking for a new house? |
| I always thought that having an inground pool was a good thing and would up the resale value of a home. I recently saw an episode of "double agents" on tv where a couple was having trouble ... |
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 How can i be evicted when i received no verbal or written notice?? |
| went to wisconsin on the 30th of dec..called my landlady from my neighbors informed them i would be gone and going to see drs..that i may be gone 2 weeks.maybe 2 months or longer.as it depends on if ... |
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 Which is a better investment - Motor Home or Summer Home? |
| Can you tell me which is a better investment. Purchasing a nice 40 foot RV, which could be rented out for weekend trips or buying a summer home and renting it out. Can you give the pros and cons on ... |
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 Is a 7% APR on a 30 year fixed rate mortgage for a $137k house a good rate in Atlanta, GA? |
| I'm a first time homebuyer, so I'm not quite sure... It seems comparable, but I would appreciate any feedback...... |
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 I will be moving out of my friend girls place on the 16th of dec: do i still pay the full amt of rent? |
| i mean i will be moving out and she set a pmt of 200.00 a month. the first month was last month and i paid the 200 but now this is dec and i am moving out on the 16th so should i still pay the full 20... |
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 I would like to buy a house in 5 years? |
| How much should I be saving? a month I am a student at the moment!... |
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 Renting vs buying a home or condo/townhouse? |
| I will be moving to Michigan soon, and am not sure if buying is better than renting. I will be 62 at the time I move, and plan to retire and work part-... |
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 Ohio foreclosure? please help? |
| can someone please give me a timeline? our last payment was due on march 15th.our mortgage is with chase bank.my husband lost his job and theres no way we can pay for this house.i just want to know ... |
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 If I put my name on a lease agreement with someone else, is our credit linked? |
| I need to get a roommate cause i can't afford rent. When they put their name on the lease, will their credit history be linked to mine?... |
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| Best place to get a mortgage refinanaced? |
| Want to refinance home for cheaper interest rate. any ideas?... |
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 How can I buy a house? I have a fairly good job and good credit but no money saved.? |
| I feel like I am in a poor position to negotiate since I have no cash, plus, all of the homes I like are about 30k more than I have pre-qualified for on my mortgage loan -- Dave.... |
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 Private landlords? Housing benefit? |
| I am currently living relatives sharing a bedroom with my two kids due to relationship breakdown. Council wont help me find my own place. I work part time but on a low income so i am entitled to ... |
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 What kind of mortgage should I get, and where from? |
| This will be me and my wife's first home and mortgage. Combined we make alittle less than 100k. We are looking at a house around 200k. We have good credit, and our parents would be lending us ... |
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first timer | What is the best way to find mortgage financing? do i use my credit union, bank or find a Realtor? |
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dad of four
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all of the above! shop your mortgage around to various places (dont apply at each, just see what they have to offer for interest, terms, speed, etc).
Credit unions are generally a bit better than a bank, even if you don't have an account with them most will still do a mortgage (you may have to open an account with them, so just open one to use for your mortgage payment!) Make sure you get a fixed rate, especially right now with Bush screwing up the economy so fast. Dont call those 800 numbers on TV for offices you've never heard of- rip offs. You can contact places such as "countrywide" or "chase manhatten" and they can put you in touch with a broker in your area. good luck, and read everything! |
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zib
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using a Bank is the best way to go these days, Brokers will promis you everything but may not be able to deliver, a realtor really does not know much about the mortgage business they are all about the home sale. Credit union is a great way to go,but they tend to have there own rules and can be a pain in the butt. |
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too l
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find a local mortgage broker/banker in your area. make sure you understand what they are talking about, if not ask questions. |
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Alibaster:)
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I say try all of them, you never know.
I'm leaning against going to a mortgage broker. Their commission is embedded in the interest rate. So the higher the interest rate you have, the more commission they get. Cut the middle man out. Go direct. |
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mitch w
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I would suggest talking to a banker to get pre qualified before going anywhere. The loan officer at my bank is great and could get you pre qualified even over the phone. That way you would know what kind of costs and other items you will need going into it. They also are the best at getting rates and giving you the most options available. |
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DallasLoanGuy
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Get a quote from a Bank and a Broker.
Ask your realtor to go over it with you....
If you still don't like what you are seeing, keep shopping. |
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Alterfemego
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I always tell my clients to visit local lenders and I can offer a few names and numbers. But that way if anything goes wrong we can walk into their offices and talk to them face to face. I wouldn't same the same for internet loan companies. You first need to know what loan programs are available and decide which one fits your financial picture best.
Then make a list of the "have to have's" and "would like to have" in your new home. Then visit open houses in the area you want to live in. Talk with the agents, the one that seems to know the area, has been in the business a number of years and gives you information, and you feel comfortable with, ask them to help you find a home. Oh, now give them your list! Best of Luck! |
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Breezy365
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If you are using a Realtor to show you houses, they should be able to give you some good options for the financing, but I would caution you to avoid mortgage brokers if you can. These are people who originate the loan but they close the loan in someone else's name. They make quite a bit of money for selling your loan (nothing that you have to pay). But many times brokers charge too much, are very slow and are hard to contact. Try to go with a bank or a reputable mortgage company. |
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I_Love_McRedneck
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Use your bank, that will be your best route. They already know your banking history and how you manage your accounts, so if you manage them well, sometimes they can get you better rates even if your credit score is low.
Be prepared to have the loan process take a while because they'll take a look at your credit report - most people have errors that pull down their score. You can dispute what's wrong, but that process takes 30 days. Definitely do it though, my credit score jumped up 60 points just because there were a few things on there that shouldn't be. Sometimes a creditor will say you paid late when you didn't - they have to delete that. Sometimes accounts from an ex wind up on your report beause you shared the same address. Sometimes you'll see accounts that belong to people with the same name as you - don't ask me how, but it happens.
If they can't help you, you'll at least have a copy of your credit report and your realtor can find a broker who possibly can. Your realtor can point you in the direction of a broker, or you can check out the yellow pages. Brokers shop around across state lines to find the best rates. They also specialize in creative financing for people who otherwise couldn't get financed.
Good luck! |
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