 Do you think writing a letter to the owners helps you get the house? |
| My fiance and I are looking for our first home to buy. We live in Edmonton, AB, Canada. Yea basically houses that are not worth crap are going for ridiculous prices! We have been told by people that ... |
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 I gave a 60 day notice to vacate my apartment in writing. Now the landlord is saying I never gave notice? |
| Landlord is suing saying I never gave notice, How can I win this case? However the leasing agent spoke to me by telephone and offered me new accommodations to encourage me to ... |
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 Will I be able to purchase another condo next year with 2 recent 30-day lates on my credit report? |
*I have 2 loans for my mortgage from the same lender so that is why it's two late payments.
The late payment was a total screw-up on my part. I totally had the money in my account. <... |
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 Need an apartment the will not check my credit score? |
| im looking for a website that has a list of apartment that dont have credit check or at least check ur credit score. in california ... |
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 Moving from an ARM to a fixed rate loan. Seeking advice on the best process.? |
| I have been in my home for 3 years and I need to try and refinance my main mortgage (I have a 2nd as well). October 1, 2007, my ARM rate jumps from 5% to 7%. I have refinanced my last home, so I ... |
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 Problem with my landlord!!!? |
| I have lived in my apartments for 6 months. My house was broken into in Octber they came out and fixed my door that same day. Now 4 months late my house has been broken into again. This time my door ... |
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 How can we sell the house very quickly??? |
| Our house has been on the market for a month now, which is not long, but as we are moving to Japan at the beggining of January, I am starting to panick...so, how can I make my house more "... |
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 Need to break my 1 year lease immediatley. I really really need help? |
| Lease was effective July 1, 2007. Me and my fiance need out of there immediatley due to us getting sick from the foul odor of the place and the hell on earth neighbor upstairs. I'm going to my ... |
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 Is there law that states I do not have to allow my landlord to show my apartment? |
| My landlord and I got along great I moved in 6 months ago( lease for 6 months) he allowed my to pay extra rent to pay the security deposit as well and I did. I have been very gracious in letting him ... |
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 What do i need in order to get a mortgage? |
| i'm thinking about getting a mortgage next year, but interested to find out how much money i need in order to be eligable for a mortgage, if anyone can help me with this i'd be most ... |
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 My house went to foreclosure and then to sale. I have now been contacted by the bank that purchased the house? |
| The bank that purchased the house has sent me a letter saying I have to vacate the property in 6 days. Is there anything I can do to get more time to vacate or save the house or is it to late for ... |
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 I bonced my rent check, what will happen? |
| My February rent check bounced. So my question is, will the rental agency deduct it from my security deposit, or will they come after me for the money? I have lived in this apartment for a year and a ... |
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 Buying a forclosed home? |
| What are the drawbacks?... |
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 Trying to buy house. listed price 99900 offered 97000 w/seller paying closing w/cap of 2500 what do you think? |
House has been on the market since last november but their realtor is trying to tell us they arent in a hurry to sell...although they already have their eye on a new house.
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 Can i refinance my ballon loan into a fixed loan? |
| my 1st loan 280,000 is a fixed rate 6.65. my second loan 74,000 (15 years fixed with balooon payment of 54,000 at the end). can i just refinance the second loan. or combine the two into one loan. ... |
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| Realtor question.? |
| When selling a home, and one has to go down on price because of the market value....do you pay the realtor their percentage of the price you sold it at? Or do you have to pay the price you put down ... |
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 When is contract invalid? |
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I am renting a property and the landlord advertised and agree that the property would have a backyard. Now he says he is not sure what the final outcome will be. A... |
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 Can I get a loan for a home/ mortgage payment before I pick a specific home? |
I am interested in purchasing a home and have a price range in mind. Can I get a loan for a home in my price range before I choose a specific house??
Additional Details
Thank you all so ... |
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barrutt | When can a bank charge a late fee on a mortgage payment? |
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jwishz
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When it is made after the "late date". Typically there is a due date, say January 01 and a date after which the payment is considered late, January 10. If your payment arrives after the 10th you will be charged a late fee |
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R R
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The day it is considered late |
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Classy Granny
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If there is no grace period just one day after it'd due |
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Sean O
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Payments are usually due on the 1st of the month. Most banks will give you a 14 day grace period. So usually on the 15th is when they charge the late fee. |
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chasetwins05
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This will depend on the agreement you signed. you will have to find the paperwork or look at the paperwork that comes with your bill - if you get one.
Most banks vary with their agreements - so the exact time period varies
Really want to know - call them |
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GVD
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Whatever date it says they can in your note. (Usually 15 days after the due date) Do something novel these days ... read it. |
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sasil85
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Usually there is a grace period depends on the bank though. Just give them a call or go in and ask a banker. |
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Diane M
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When you pay it after the date that it is due. |
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Mortgage Expert
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hj_thorne is correct. Most lenders will give a 15 day grace period before charging you a late fee. These can be pretty hefty on a mortgage loan so find out how much it is by calling your lender. They should be able to give you that info over the phone. |
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Weimaraner Mom
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the next day after the grace period. Most banks say it's due on the 1st, late on the 16th. So if you pay on the 16th expect to get a late fee assessed. It will also depend on what day the 15th falls on. I pay online so if the 15th falls on a saturday they will give you until the 17th (Monday) to get the payment in without a late fee being charged. |
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tramimaus
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after the day it's due... |
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Ron Berue
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Within recent years [I'm "guesstimating" within 7 years], this area has been more defined.
I remember when it was the date on the check.
Then it was the date the stamp on the envelope was canceled.
Then it was the date the letter was received by the recipient.
Then it was the date the payment was posted "on the books"
Today, it might be when the check cleared and the money was actually transferred from your checking account to the lender's account.
To get THE ABSOLUTE correct answer to your Q, you should call or e-mail the lender or the company where you mail the payments to.
Make a note of the day, date and time of who you spoke with. AND/OR keep a copy of that original e-mail and the response with your important papers.
AND keep that record with your coupon book or bank statement.
Thanks for asking your Q! I enjoyed answering it.
VTY,
Ron Berue
Yes, that is my real last name! |
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