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 How long does it take to buy a house? |
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i have got a notice saying i have til 6/24 and my home will be autioned ..i need help and can't afford a lawyer
Additional Details
correction it was a Notice of Trustee's Sale..... |
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Yue J | When you buy a house, how much do you pay as a down payment? |
like what percentage |
 |
 
Babydoll_99_16
|
0%-either with higher rates or with qualification of a VA loan (and maybe even Fannie May)
3% or 5% - still higher rates but can find resonable if you shop
10% this is the norm.
20% this is nice because then they will drop the loan insurance(which can add up to 200$ per month)
You can find places that drops the loan insurance at a smaller percent but again you have to shop |
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mrjo_ct
|
It all depends on the type of loan you obtain. There are some goverment loans in which you can put down as little as 5%. I did that when I bought my house years ago. Some require 20%, and there are some in between. Best bet is to shop around and see what's offered in your area.
Don't forget, the down payment is only part of what you'll need. You will also need to set money aside for the closing costs. |
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jenny553401
 |
In the US you could buy a home for 100% financing. NO money down and no PMI (mortgage insurance). You should deal with a licenced broker and DONT go to the internet for rates. When you speak with someone ask them about a combo. This is great because your interest will low and you can refinance in one year and get it even lower. If you havent spoken to a broker email me and I can get you the loan you need. Good Luck |
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chinnookwinds
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In Canada it is 10%. |
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Bchlvr
|
Well if you through a lender usually 10% on a convential loan and about 5% on a FHA loan. Although they do have 100% financing through FHA but your credit has to be pretty good. Closing cost will run you about 2-4 grand depending on the amount loaned. If you are refering "earnest money" to put down with the contract usually $1000 is enough.
I hope this helped! |
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g.mom2006
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first months rent and deposit was the norm, but now there is so much compitition that they only ask for a deposit (depending on scale of neighborhood) but i have heard of 1st, last and a deposit! depend on how greedy the owners are, they dont like to give it backand will try to pull alot of cheap tricks to keep it, MAKE SURE YOU TAKE PICTURES BEFORE YOU MOVE IN!!! AND READ THE FINE PRINT!!! interview them, your doing them the favor of paying for living quarters and there are too many nice places to settle on being ripped off!! |
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ashleypf004
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you can pay as little as $.00 thats right nothing down, their are a lot markets where the buyer has the upper hand, search around, for there are many creative ways to purchasing a home whereby you pay as little as $ .00 down and get money back! |
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Smiley Girl
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I believe it's 10% |
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requinoiter
 |
20%
or 10%
or do a 80% 20%
or a 80% + home equity line of credit
or find a private investor for the other 20%
or... |
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Kutekymmee
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In the US, you can put down as much or as little as you like, you can even buy with 0$ down if you want. But you will get better mortgage rates the more your down payment is. |
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scarecrow
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In the U.S. you need to put down at least 20% or the lender forces Mortgage Insurance on you. |
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shamieya
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you need to check out your state programs first. I'm in fl, first time home buyer programs pays your down payment and closing costs for you (as a 2nd mortgage; u have to pay it off if you move) and gives you the mortgage loan at a low rate. all you pay is closing costs (if there are any left) and a deposit for the closing company(?) which is $500-$1000. as little as $500 to get a house. the application costs about 400 but as long as you close, you dont have to pay it. |
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