 What's a decent offer to make on a house that's asking $189k? |
| I am thinking of making a full cash offer on a home in Boise that is currently listed at $189,000. In this slow market, what is a reasonable offer to make without offending them?... |
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 My mother wants to buy a house......? |
| she currently has bad credit, but she makes about 50,000 per year. She has come into some money and she is going to pay off all of her pass debts to clear her credit, she also has enough money for a ... |
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 Where can I get a great new purchase mortgage loan without PMI? |
| I have a low credit score, but my wife has a better one. I make more money than her. I've been given an offer from a bank but not a good one in my opinion.... |
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 30 days notice to my landlord? |
| I live in CA on a month to month basis. I just gave my landlord a 30 days notice today (June 11) but I will only be staying there until the end of the month. I gave him the notice because I ... |
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 Should I get a home inspection on a brand new place? |
| I'm about to purchase a brand new condo in Burbank, CA. The realtor has asked me to decide whether or not I want an inspection. So far I have read that CA home inspectors are not licensed, and ... |
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| Would you pay more in rent to live closer to work if the commute is very expensive in gas? |
| Im trying to figure out if it is worth getting a more expensive apartment that is closer to my work if I use the money I would normally spend on gas for the extra rent. Is there logic in this?... |
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 Renters question? |
| What happens if someone who is renting a room out from somebody in their house doesnt return the keys on the last day their lease is up? I would assume you just deduct the amount is costs to get the ... |
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 Are private tenants now allowed pets? |
| My Economics lecturer told us in class that they are bringing in new laws saying that landlords can no longer state that they don't want DSS, smokers or pets in their property. I have been ... |
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| Sell my house? |
Agents say its good house at right price but viewers feedback they don't like area its located. What can I do?
Additional Details
Every reply seems to say the same lower price but ... |
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 I rent property my own house till last year lost it through husband no pay in the mortgage? |
| now i find the person who im rentin from is not payin the morgage whats my right as a tenant i paid my rent every month got ... |
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 Is a landlord liable for damage to my personal property? |
| A chandelier fell onto my laptop because the screws holding it in place came loose over the years. Is the landlord liable to pay for repairing the screen? It just cracked the screen. nothing else ... |
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 Whats the most affordable way to move out of your family's home? |
I'm 22 and the housing market is tough, I was thinking of either saving up to buy a council house of my own or renting, which is most cost effective?
and yes I am going to see an ... |
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 Where can I find "start up" money for flipping houses? |
| My husband and I work construction, and we will do the work ourselves. I just dont know exactly where to start due to use just buying a new house, and a truck for him, we cant get another mortgage. ... |
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 What can I do if my house is actually smaller than what it was listed as when I bought it? |
| My wife and I bought our house 2 years ago. It was listed at 1371 sq. ft. (also what the county has on record). Now we are trying to refinance to get out of our arm loan. Come to find out the house ... |
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 Mortgage problem please help? |
| I would like to known about the new program from the government that going to help to people with mortgage problem.my problem that I have is that I am behind six payments and my question is if that ... |
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 Do I still have to keep home insurance on a vacant home if I'm negotiating a short sale or can I cancel it? |
| I'm negotiating a short sale with the bank. Do I still have to keep home insurance on my house (payment included in the mortgage) or can I cancel my insurance and get reimbursed for the ... |
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Angel4U | Where can we be approved for home loan with bankruptcy on file and almost to none credit history? |
Does anyone know if we can be accepted for home loan of under 50000$. One does not have credit history and is slowly building it by getting credit cards and some services like cell phone and the other filed for bankruptcy discharged chapter 7 about 5 months ago with a credit score between 400 to 500. Thanks for your answers |
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duffie_1999
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You can't. Your financial history shows that you do not know how to handle financial responsibility. You are a perfect definition of sub-prime loans. Get your credit cleaned up and I doubt you will be able to get a loan for at least 7 years..until the bankrupcy is off your credit history. |
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heandI
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It is very easy. It's easier to get credit after a bankruptcy than it is to get approved for a purchase/lein/loan with other things on your report. |
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Jeffrey F
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Go to a mortgage company and ask them....
You will most likely need to start the loan process which, for now, will stop at a mortgage commitment letter, which is basically a letter from the bank saying you are qualified to get a loan of $X.
The more money you have to put down, the better the bank will view your loan application as you will have equity, should you foreclose, there is an expectation that the bank will not lose ALL investment. |
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talismb
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If it were 5 years ago I'd say sure there's bound to be someone out there who'd do a loan...but not now after so many people who should never have been granted a loan in the first place are defaulting and sending the U.S. economy into the shitter, I pretty much doubt it. |
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sandy b
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I am sorry for you problem but you will definitely have to build your credit up again. I am not going to judge you because I know exactly what you are going through. I have always paid my bills and one day you wake up so worried if you are going to be able to meet you obligations. Its sad but for some of us living the American dream is one big nightmare. Credit Cards are evil. They suck you in with low interest rates and then when you get into trouble and I am not even saying you missed one payment they not only will not help to bail you out or offer a solution, but go up on the interest rate when you have never been late or missed one payment. I am not asking them to pay my bills but help me set up a plan to pay it back to avoid bankruptcy. Sometimes emergency arise where you loose your job or become ill and because the cost of living is so high that you have nothing to fall back onto. So no judgment here, but it will be along time before you will ever get on top again. So try to make the best of what you have and don't worry about buying a house until you can be worthy in their eyes . Unlike you I have not filed for bankruptcy but it is not far off in my future. |
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Savanna
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Lots of people think that once they’ve filed for bankruptcy they will be unable to ever get a loan again, and ultimately they are unable to do anything financial ever again. This isn’t always true, there are<!--always ways to improve your financial standing, and there are also ways to repair your damaged credit rating.
http://best-loans.awardspace.com/Bankruptcy.htm
In fact one of the best ways to improve your credit rating is to refinance your home mortgage, this-->will help to improve your credit history in a number of different ways. |
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src50
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It will be almost impossible in today's climate. Better figure on taking several years to reestablish your credit first. |
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dumdum
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I don't think you can. Better forget it for now. |
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robert w
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sorry u do not need an alligator around ur neck to drown u again.
keep renting for at least next 3 yrs while u learn how not to go into debt again and save lotts of money.
visit dave ramey.com to learn ur hard lessons again. |
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