 If you do not get an appraisal then how do you really no what it will sell for? |
| I want to sell my home I am fixing it up with basics, new paint inside and out and fixing up the yard. If i want to put it on the market how do I know to really put it on the market for? I would like ... |
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 For a mortgage, how do you know when to pay points and when not to? |
| I want to refinance to lower my monthly outgoing - I would have to purchase points to get around the interest rate I currently have or lower. When does it make sense to pay the points and when is it ... |
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 My landlord is harrassing me. Please advise.? |
| Our landlord claims to have no way to contact me other than knocking on our door. She knocked very loudly, tried to look in our window and even tried to open the door. I have a husband that works ... |
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 Why are people in the UK so obsessed with mortgages? |
| I am so bored with people bleating on about this in the UK, saying renting is dead money, blah, blah. Yes but if your house gets reposessed then your money was indeed dead, you morons! When you have ... |
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 Should my Landlord pay us back for the Washer/Dryer we brought? |
My roomate and I have been renting an apartment for 2 years. Our lease is up September 1st, and come this Sept she will be moving to San Francisco and I will be moving to a new location.
... |
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 Am I stupid...buying a house with bad credit question.? |
| I have been living in a house..lease purchase option for two years. I officially have 11000 down due to part of my rent going toward purchase. problem is..i havent been able to increase my credit ... |
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 Iam about to rent a luxury apartment but my scores are 619,610,607 do you think i can get approved? ? |
My total debt with all my cards is $8000 and 1 car payment of $600 per month .my credit is just 2 yrs old and i never missed any payments and no collections.
Additional Details
My credit ... |
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 What is a reasonable wage per hour for cleaning a house? |
| Tenants moved out. I called servicemaster to come out and clean but they wanted 50$/hr per man. It was easily going to eat up the security deposit without finishing because of the large mess. I had ... |
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 Can I buy a house then transfer the deed to someone else? |
| My boyfriend has been drawing unemployment for almost a year. He recently got a new job, which he will be starting in a few weeks. He wants to buy a house, but doesn't think he'll be able ... |
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 Im worried that my house will be demolished?!? |
| Hi everyone,I live in a old house on a street,there are only two houses next to me and that's it everything else is business buildings etc,I rent my house privately,anyway I keep hearing off ... |
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 I cant refinance my home cant sell my and my mortgage will be too high for me to pay this year what should i d |
| realtors have gotten me in a mess i am afraid i will forclose if i dont get answers my home apraise for the same as my loan and i also have a high interest ... |
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 Is it possible for my grandparents to take a loan out to buy me a house if they already own two houses? |
| I found a really sweet deal on a condo in my area at an unheard of price, the only thing is my credit is horrible so there is no way I can get a home loan on my own! I do however make enough money ... |
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Smiley | Why do people say they own their own home before they have fully paid off their mortgage? |
Surely until that happens you are really just renting from the bank/mortgage lender given that if you do not pay on time they will repossess?? |
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Minnie
|
It's the same as if you got a loan from the bank and purchased a car with the money - the car would be yours wouldn't it!! |
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lithium630
 |
The bank does not own it. The bank cannot paint your house a different color, come inside without your permission or even kick you out unless you don't default. Even then it takes a lot of paperwork to foreclose. When you purchase clothes on a credit card, the credit card company does not own the clothes, you do. |
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The Drunken Fool
 |
Your name is on the title deeds.... |
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danceswithwolves
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we like to delude ourselves hun
let us have our dreams eh? |
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*****
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Because it gives us a sense of stability..... |
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MIND THE GAP
|
The person on the deed owns the house. No ifs ands or buts.
They owe money to a lender for the cash to buy it. |
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shuggiemac
 |
You would come accross as being slightly anal if you said each time that you were 36% through paying off the mortgage on my house etc.
In any case could you not also argue that you are borrowing the money to pay for the house so in essence the bank own the money that you borrowed, they never actually purchased the house itself and thus it is not theirs in any form. They may have the right to seize it should you not make the payments but even that would imply that they have not had ownership of it up until that point. |
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shih tzu lady
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Because we all need a degree of optimism in our lives. |
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Expert Realtor
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No, you are not renting, it is ownership.
You take title as a "freehold estate" that means complete ownership. The bank cannot tell you when to sell it, what to do with the property (as long as you don't destroy it), when to remodel it, or make improvements.
If you want to paint the outside purple and decrease the value, no bank will stop you.
If you want to leave trash in the yard and let the house go to hell, no bank will stop you.
The bank doesn't get the tax writeoff, you do on the interest you pay.
The bank has the right of reposession b/c when YOU didn't have the hundreds of thousands to put down on it...they did, and loaned you the money with the PROMISE to pay it back.
Why shouldn't they have it back if you don't pay off the loan? |
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