 Country Wide/ Bank of America? |
| We have our home loan through Country Wide and just found out that they selling out to Bank of America. I am just wondering what this means to us. Can Bank of America change our contract and ... |
|
 Can A Landlord Force Me To Sign An Addendum To My Lease? |
| I signed an apartment rental lease 2 years ago and it stated I would be responsible for all utilities EXCEPT the water and garbage. There are not any submeters for water for the four units here. He ... |
|
 If I move in, what is the security deposit for? |
| If I pay the security deposit and the first month rent does that mean the landlord get to keep the security for free? Is it refundable? Is it for the rent if I paid late? I'm planning to move ... |
|
 How can i get out of a rental contract? |
| My rental contract does not end until another 9 mths. I am in a process of buying a house right now. Is there anyway I can get out early of the leasing contract, since I am buying a house?... |
|
 Why do real estate agents get a bad rap for being conniving cunning and liers? |
| I have a hard time understanding where the agent's interest is when they will essentially make more based on how much you buy. Are they looking for a house for you or for their pocket. Also do ... |
|
 Neighbors recently sold a house by owner? |
| A couple with 2 kids just recently sold their house by owner and did not go through a real estate broker. They keep coming back to that house every now and then. What's going on? Why they keep ... |
|
 My husband and I are closing on our 1st home at the end of the month. Need a little help? |
| When should I begin to transfer services such as phone, cable, security system, lights, gas, water, etc? We close on a Tuesday, and I know we will move our big items that weekend, but when should I ... |
|
 Disclose or not to disclose....that IS my question!? |
| I had a condo built in a brand new complex about 3 years ago. From day 1 I began to have plumbing problems at the frequency of once every 3 to 4 months on average. Last year, after much documented ... |
|
 The tenant renting my house has bad intentions, what can I do? |
| I have rented my FL townhouse for 3 years and I never had a problem, the previous tenant moved to TX for a job promotion. The new tenant has been in the house for one month, she brought fleas to the ... |
|
 What is the best area to live in Las Vegas? |
| My best friend and I are looking to move to Las Vegas and what to know what the best area is to rent an apt in. I currently live in Chicago and after looking in Las Vegas everything is about a third ... |
|
 My landlady's real estate agent has an extra key to the place I'm renting? |
| I just moved in to a great place. My land lady told me today that her real estate agent has just forgotten to give her back an extra key to the place I'm staying in. I'm hoping the key ... |
|
 How much room rent should my brother pay? |
| He has his own room, full use of the kitchen, family room, laundry area and a backyard for his dog. He is paid a minimum wage salary? We live in California.... |
|
 Is it illegal for my land lord to share what I pay in rent with the other tenants? |
| We have unmarked parking spaces where I live, my downstairs neighbor is home more so generally parks in a certain spot. I had the opportunity to park in this spot so I did because parking is very ... |
|
 Do Realtors make a salary or is it 100% commission? |
| I am interested in getting into real estate (as in getting my license to show & sell houses) and I was wondering if they make a salary or if it's just 100% commission based. or does it ... |
|
 Why are people buying houses they can't afford? |
| Paying intrest only sounds great to all these people so they can buy new houses for monthly payments fraction of the cost but that only lasts for a limited time and your then going to pay the full ... |
|
 Thinking of buying the council property I live in, but does anyone have any tips on lowering the value? |
| I know you get a discount, but you never know of anyone trying to make their house look lower in value, so was wondering if anyone had any tips to get the property for as low as possible?... |
|
 Moving out advice? |
ok so this my problema..i want to move out on my own i want to rent an apartment in california the rent is 606 for a 2br appt..trash and water paid..how much would electric, gas,cable,net cost?
... |
|
|  |
nikkibeverli | Where does a single mother with decent, steady income, yet no so perfect credit begin to get a mortgage loan.? |
I have been trying to repair my credit for the past few months so I may purchase a home with no money down. How can I go to a closing with no money down?
Additional Details
I have been trying to repair my credit for the past few months so I may purchase a home with no money down, in MA. How can I go to a closing with no money down? |
 |
 
bobsled
|
Depends on the state....often, states have programs for first time buyers. |
|
unclejesse1
|
If the credit repair has worked let me know and can steer you to a couple different options. If not let me know and we can get your credit score ticking the right direction, get you into that home, do it with no money down, and give you a month or so with no payment. LEt me know, just shoot me an e-mail if you have questions. Looks like you have severa lchoices on this one. |
|
cfcrep_mtgpro
|
Hi There,
Well your in luck today. I was just checking out Yahoo answer and would love the opportunity to answer your questions. I'm a 20 year mortgage professional with a Brokers license and have been personally responsible for over 75 billion in lending. I offer over 97 different investors and am certain we have a lender for you. I also specialize in fixing credit and making credit issues go away completely, so email me and I will forward you my complete contact information. The other benefit is I will put all this in writing for you once we get the process going. Email me your scenario and I will work it up for you in writing, along with solutions to you credit issues.
Kemo Smith
Sr Consultant
Creative Financial Consultants
(888) 232-8002 |
|
ladybug
 |
No money down does not mean you do not have to fund some cash into the transaction. If you qualify for a zero down loan you still need to have money for your appraisal (250-350), your home owners insurance (entire premium), Earnest Money Deposit (takes house off market) and home inspection (not required but recommended) then the seller can cover your closing cost and prepaids and you don't have to bring anything to closing. Paying off items on your credit sometimes lowers your score before increasing it. If you are not paying anything that reflects your credit (i.e., credit card, car note, student loan) then you may not have a score. Lenders use your middle score of three or lower score of two or one score (subprime lenders only for the one score). I am a mortgage broker which means I have tons of programs for bad/good credit. Please contact me if I can be of more assistance to you. :-) |
|
cafe_blue_note
|
Try applying for the mortgage now, I am a mortgage concultant, with CITINET MORTGAGE, we are a direct lender with 150 investors we do A paper and sub prime,
and also specialize in fixing credit, E mail, me or call me direct on my cell @ (951)660-9580, and let me see what
I can do. |
|
leah_ifft@sbcglobal.net
 |
Are you working with a mortgage broker? If not, you should be.
A good mortgage broker will tell you exactly what you need to do to raise your credit score and prepare to buy a home with no money down.
Even though you may qualify for a loan without a down payment, you may still need some money for the first year of home owner's insurance and earnest money.
You may also want to look into down payment assistance programs offered by your state, city or county.
Best of luck. |
|
kristenbeiza
|
You have come to the right place at the right time sista! I actually work for a company called Self Help, Although I just now started as a loan officer there...you really should call the local office (800) 476-7428! I am not sure where you are but I am in NC. If you are not close to NC then we also buy loans from other companys using our portfolio for secondary lending. We are a non-profit organization and we specialize in exactly what you are!!! Single parents, diverse backgrounds, low income, bad credit. Those people who originally have been underserved in the banking industry! Please check out our website!!! If you call please tell them that a new hiree named Kristen Beiza Sent ya!! |
|
dzr0001
 |
go to www.rodneyanderson.com they are great and he writes loans in like 30 states. |
|
James H
|
There is some useful advice here. |
|
Jess
|
Don't go to your bank...Banks (esp BB&T) are very conservative with their lending and aren't hurting for business. Go to a mortgage broker. They do business with many different lenders and can find a mortgage for you. They seem to work harder for you. The mortgage rates are a little higher but you can always refinance in a few years once you have a few years of good payment history and better credit! We went to a place called Advance Mortgage Services (I don't know if it is local or nationwide however) We were very happy with the service. Make sure you research the mortgages they offer you and ask a lot of questions, though. Some of the mortgages they may offer could get you into some financial trouble (ex: balloon mortgages, interest only, etc) You can read about some of the different mortgages on bankrate.com I think. A mortgage broker is your best bet on being approved, just make sure you can afford (the payments now and in the future) what they offer you! Good luck to you! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 29 minutes(s) ago
| | | |
10 | 49 minutes(s) ago
| | | |
10 | 3 hour(s) ago
| | | |
10 | 5 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
10 | 9 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
10 | 4 day(s) ago
| | | |
9 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Renting & Real Estate 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
