 How long does it usually take to do a closing when you buy a house? |
| We recently won the bid on a house up for sale. we currently rent right now and i don't know when I should tell my landlord when we will actually vacate the apartment?... |
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 Not getting any of my deposit back as I've not given enough notice.? |
| Told her on 28th September I was going on the 16th October - so only gave her 2.5 weeks should of given her one month, I know I'm gulity of that. Now she has told me that I won't get any ... |
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 Does anyone know where I can get a mortgage, I have no credit history,? |
| I would like to know where I can get a mortgage, I have no credit history, reason I'm a victim of idenity thief and had to file chpt. 7, this was discharged on sept. 6.2005 I have a credit score ... |
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 Me and my friend want to move out together, can we get a 1 bedroom apartment? |
| We don't want to spend a lot of money on a two bedroom apartment. I will sleep in the family room, and my friend will get the bedroom, is this legal.... |
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 £24k a year rent, on £450k property? |
| I'm renting in London, does this seem extreme rent for an unfurnished flat? It's gone up 11% from last year, plus I have all the bills on top, council tax, TV, sky, heating, elec etc .... I&... |
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 Eviction by force is scheduled for next week. What happens to all the junk if the tenants leave it? |
| I know they are going to leave a lot of stuff in the house. Is there some sort of protocol I have to follow in tossing the stuff? None of it is really worth keeping (in my opinion), but I don't ... |
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 Home Appraisal Question. Appraisal Higher than asking price? |
| The house we're buying just appraised at $11,000 more than the asking price. We offered, and they accepted, $166,000. Home appraised at $177,000. Lender says that's great! What are some ... |
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 I've mice in my flat, what can I do? |
Don't answer to use a mouse trap or poison, it's not the purpose (I dit it, of course).
First of all, my flat is tidy and clean... It's good to precise!
I keep ... |
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 I want my tenants to leave, the lease has been terminated, but they are refusing. on what grounds can I evict? |
| I'm letting some family members stay in my house rent-free and all they have to do is maintain the house and grounds. I treat this as a month-to-month renewal, but now I have terminated the ... |
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 Help Interpreting one lease paragraph? |
| My lease recently expired at my old apartment on the last day of November. I was out of my apartment by that time. However in my lease there is a paragraph saying that I should give thiry (30) day ... |
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 What is the benefit of using a Realtor? |
| I mean, if I can find the property i want online. What would the benefit be of using an established Realtor? Do most Realtors have bargaining power to lower the price? Thanks.... |
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 Worried Homeowner! I am a LPN and make good money. But my husband has been laid-off of work for five months.? |
| I am tired of paying the house payment, utilities, two car payments, insurance, and we have two kids. I am thinking of selling my house and renting an apartment. We can't refinance because due ... |
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 What is home equity, how do you get more equity, what does it mean? |
| What is a home equity loan? How do you know how much equity you have in your home? is that the loan you get for home improvements? Anything about equity would be great.... |
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 Got eviction order from court ..what shall i do ? |
Hi,
I am single mum with new born (9 weeks) and postnatal depression with no family with me in the UK.
Landlady decided to evict me from flat once she heard i am pregnant ( months ago)... |
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 Is it better to list a house for sale by owner or with an agent? |
| we need to sell our house ASAP - can't really afford to pay all of the sellers costs including the commission. Don't want to make any money from the sale - just enough to pay off the ... |
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 Help!! i dont have good credit and i want to buy a house? |
I have bad credit and want to look into getting a loan to buy a house? Do I have any options, I have heard about first time home buyers loan? Can anyone give me any advice?
Additional Details
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 Where can i find out the value of our house? |
| The county has been charging us increasing property tax despite values going down. we want to contest it.... |
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bratt43302 | Who can help if i want to buy a home with poor credit? |
Not real bad credit but not good either. Willing to put money down also |
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Carolinahomerates.com
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try FHA ..they require 2.25% down..but you can have any credit lates in the last 12months!
mycommunity requires a 620 for low pmi payments |
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Ricky H
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Probably no-one, right now for-closers are at an all time high and in return loans or mortgages are next to impossible to get even with good credit. The American dollar is also at an all time low, this does not help either. |
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Lisa B
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Sometimes an FHA loan can be an option. They don't typically look at credit scores. However, they will still require that you be current on all open accounts and can ask that any and all collections be paid prior to closing. Your other option is a sub-prime loan but you will pay a high interest rate. Most companies are not willing to look at credit scores below 580. Some won't consider anything below 620. I have been in the mortgage industry for 10+ years and it's never been more difficult to get someone approved than it is now. |
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starryeyed75
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Do not go with a company that claims they can clean up your credit. It is bogus, and they dont do anything that you cant do yourself. |
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J L
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With the high rate of foreclosure, unless you make a lot of money and have been on your job for more than two years, a lender may not take a risk on you.
If you have a relationship with a bank or credit union, try asking them for a preliminary evaluation. Since you have an established relationship with them, they may be willing to assist you. |
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cartergame
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It depends on what your score is, how much money you're willing to put down, and how much the home costs.
Even though sub-prime tightened up it's not gone entirely. People are still looking for loans and lenders are still looking to lend them.
If it's enough, then I'll help you. :) |
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Namas B
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Home loans are now available to many people for whom they would have been out of the question just a few years ago. You’d be in much better shape to bargain for better interest rates if you had a more impressive credit history, but if the house you want is the deal you<!--believe it to be, a bad credit home loan can still work to your advantage.Your best bet in assuming a bad credit home loan is to pay as much cash up front as possible, and see if by doing so you can negotiate a lower interest rate.
http://badcredits.awardspace.com/homeloans.htm
You’ll save enough money over the term of the loan to compensate for the sacrifices you had to make in handing over the down payment.
The bad credit home loan can be a win-win proposition for both lenders and borrowers; the lenders, thanks to the higher-->interest rates, get bigger returns on the money loaned, and the borrowers get a homes in which to build equity, and chances to restore their credit records so that the first bad credit home loans they take will also be the last! |
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Giuseppe M
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loan shark |
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Abe
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go talk to the bank or mortgage company that you're closest to, they all have the same tools, their efforts only vary. If you work near a mortgage company, they'll be more likely to work hard for you because all you have to do is point your finger to mention the good or bad job they did. As for a bank, if you have any CDs or any assets where lending can also take place, they should try to keep your business, its like borrowing your own money.
You also may want to consider owner financing. It keeps lending costs low and is very attractive to someone that doesn't want to pay capital gains. I would advise talking to a experienced real estate agent or an attorney (the r.e. agent should recommend talking to an attorney regarding the deal) to assist in negotiating and effectively handling the closing process.
I have a voluntarily inactive r.e. license in Florida and know the ins and outs of owner financing if you have any questions. |
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jenn
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Get a preapproval from a mortgage company. |
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delrambo
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Most folks, particularly first time home buyers, have no clue where to start, and most are afraid to ask. My suggestion would be to develop a relationship with a traditional lender, such as the bank that you use for your checking/savings, use their home loan officer to explain what products they may have that fit your circumstances Then double check with one or more other lending institutions, such as a Mortgage Co. to determine, who has the best product for your needs.
A good REALTOR can also work with you, to find a lender that suits your circumstances. I'm not anti - internet in trying to source lenders, but face it, the purchase of your home is and will be the biggest investment you will most likely make in your life time. Makes sense to use folks you know or folks you can develop a long term relationship with, who may have a vested interest in seeing you suceed, |
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Blade
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I can help!
Mark
Atlantis Financial
(866)272-6291 |
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Gladicouldhelpu
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Just pay cash for the house, then you don't need credit!! And you never have to pay interest!! |
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