 Can a Landlord enter your house without contacting you? |
| How much of a notice does a landlord have to give? Scenario: He called my phone 3 times and my voice mail box is full. I pull up and see him trying to get in. My girlfriend is also on the lease and ... |
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 My landlord still wants rent, but he lost the house to the bank! Help!? |
We just signed a month-to-month rental agreement on a house in April, and paid first month and deposit.
In July, we received a notice that the house was going to be up for auction due to ... |
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 If I buy a home that is constructed in 2008, Do I have to pay property taxes on it in 2008? |
| I remember when I was talking to a realtor about a new home, she mentioned something about only having to pay property taxes on the land for the first year since it's new construction. Is this ... |
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 Does anyone have any tips for a first-time home buyer? |
| Any tips or suggestions you may have would be appreciated.... |
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 For closure after 10 days late on my first payment? |
| I have two loans for my house one is a big lump some and the other is 20,000. Well i am behind 10 days on paying my first payment on the smaller loan and the loan is through an indiviaul not through ... |
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 My home loan has been sitting in underwriting since 8/13. I feel like the longer it sits there, the more the? |
| chances are of being denied. If it was a "go", then we would have heard by now. Right? I think that if we have to wait this long, it's because they're deliberating whether or not ... |
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 Can I use my deposit as my last month's rent? |
| Our lease is up end of the month. We have bought a home and will be moving in throughout next month. Can I use my deposit as my last month's rent? What are my rights, and what can a landlord ... |
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 Is the landlord responsible for bringing our wood stove up to code? |
| We asked our land lord to have our chimney swept and when they came out to do it they said it was not up to code and he refused to sweep it. We rely on our stove for heat in the winter, as a much ... |
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 When someone likes a house, how long does it take to make an offer? |
| My brother had an open house yesterday and one person seems so very interested and even the agent thought he would get an offer today, but he's worried he has not heard anything. He has a new ... |
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 Any LANDLORDS out there. i need advice ???? |
| i am a new landlord looking to rent out an apartment. i am looking for tenants. what is the best way to advertise? how have you been able to find tenants. also, are there any good websites to ... |
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 What are the best areas to move to if im looking for a home under $75000 but in an appreciating area? |
| I am currently in central NC and cant afford housing in this area, what would be a closer place i could move with affordable housing $50-$70,000 in an appreciaing area with good job growth??... |
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 I want to buy a new home before I sell my old home. how? |
| I know the housing market is bad. Houses in my area aren't selling. Prices are going lower. I've found my perfect home and I want to buy it. I think I should be able to just pay ... |
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 Is it against the law to rent a house or apartment to an illegal alien in USA? |
| I see more and more illegal aliens living in apartments near my house in Sullivan County, NY. Sometimes, they come to ask if I want to rent an apartment on top of my garage that I have for guests. T... |
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 What is the real reason people are not paying their mortgages? Why such an increase in delinquency & forclose? |
| Is it because people were not making enough money at the time of purchase to make future payments on the mortgage when rates adjust up? In essence expecting to make more money in the future to be ... |
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 Put extra money on the mortgage or into uprgrades in the house? |
| We have a good chunk of money in a savings account and may need to sell our house within a year. What will get a better return on our money? Putting the money down on the principle of the mortgage ... |
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 Do buyers have to pay their realtor a commission or only the seller? |
| We are working with a realtor right now who has been showing us alot of houses. When we buy the house, do we have to pay him anything, or is he getting paid from the seller?... |
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 Can a landlord change the price of the rent with only giving a weeks notice? |
| My roommate's boyfriend moved in with us, however we did not add him to our lease. Our landlord's live next door to us and knew that he was living there. At the beginning of the month we ... |
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 Is it a good time to purchase a home? |
| I'm 24 years old, single, and no children. I am looking to purchase because I am tired of being in an apartment. Should I wait till the market gets better or is now a good time since it is a ... |
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bmariev24 | When purchasing a house, does the lender check to see how you filed your taxes the previous year? |
Or do they just look at your w-2's? |
 |
 
docusrex
 |
They generally only go by W-2's, but certain loan programs require a form 4506-T, which makes it so they can actually pull a copy of your Taxes from last year when the loan closes. Check with you mortgage broker, or if that doesn't work out, and they have to do that with the company you are working with right now, check these guys out, they don't require that stuff:
http://www.amerisave.com/partner/mtower
Great rates, quick closes, no fees/points. you pick the program and rate. |
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Janet P
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I have always had to produce 2 years of tax records. But, I have always had either 100% self employment or additional income (stocks mostly) when I did have a full time job. |
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Worldly25
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My mtg company wanted 2 years of tax returns and bank statements That was to verify info I had given was correct |
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Ray
 |
Actually, yes.
A lender will check your credit history, your current outstanding debt (to see if you can afford the mortgage- ability to pay), your employment history (they will do a VOE- verification of employment). they want to see last 2 to 4 pay period pay stubs.
They can ask for a copy of last 2 years tax returns (with W-2's). If you are self employed or an employee will determine how many years they want to see. |
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loudevone
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Generally, we look at your W2's and one months pay stubs. I am a mortgage banker with16 years experience unless you are self-employed.I can help you with this. Let me know. |
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Beverly S
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If you are self employed, commission based, or a 1099 employee we require 2 years full tax returns. If you are a regular W'2 employee working for a company for a set wage, we just require 2 years W'2's & 2 of your most recent paystubs. |
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arklatexrat
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Some lenders ask to see last year's tax return. |
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melodi
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Interested in your income, so would want proof of income. |
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nite_angelica
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They only looked at our W-2's. |
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Alterfemego
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No, they only look at your current financial picture. So my advise #1 don't give notice at work if you in the middle of buying a home, #2 don't go out and charge a bunch of stuff for the new home before you close, #3 don't file for divorce while in the middle of buying a home. |
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rtfm
 |
If I remember correctly, they do need to see a copy of your actual complete tax return, not just the W2s. (It's been several years since we bought, though, so I could be wrong.)
I don't know what you mean when you ask if they'd want to know "how" you filed. Do you mean they want to know if you filed married or single, that type of thing? I can't imagine that would make any difference to them. |
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