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Home Loans
Reliable home loan and mortgage information for home owners.
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US $141.84
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US $59.95
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Bank loan and applying for a mortgage..........?
I currently applying for a mortgage and having problems getting my desired amount, i have been told my monthly out goings are high. I have stripped back to the litlely nothing and im 5k short of what i need. I have a bank loan for 295 and month and it finshes in Jan 2014. It currently sits at 9k but i can consoldate it down to 150 a month over 7 years and have 150 more to spend on the house.Is it better to have less monthy outgoings or less overall debt when aplying for a morgauge?
Help! I have a mortgage / credi issue!?
I live in uk. I pay mortgage monthly, I used to transfer money into a mortgage bank account until in December 2010 I forgot to do it and messed up payments it was like 8 days late. Is this going to affect my credit history and ability to obtain remortgage please? Thanks
Would I be able to qualify for a home mortgage?
Does anyone know if I would I be able to qualify for a home mortgage? I got my first credit card ever 3 months ago. I now have 2 credit cards, with a total credit limit of $800. I use my cards, and keep very low balances on them. I have never had a loan, and I have no automatic bills. I have never missed a payment, or anything like that.I live with family, and have no rental payment or large expenses. My car is paid off. Never had a loan on it. I work full time at $11 an hour, and have another job that brings in about $400 a month working part time. I have about $7,500 saved up.Given these circumstances, do you think I can qualify for a home loan? If not, what steps should I take? How long do I need to wait to apply?
Can an estate administrator sell a mortgage if DSS will be involved?
My father held my mortgage when I bought the remainder interest in his property before he went into a nursing home. He quickly went on Medicaid and now that he has passed DSS will have a lien on his estate. As administrator, can I sell the mortgage at a customary discount and simply give the cash to DSS. The advantage is that I have a friend willing to buy the mortgage and then in turn I can refinance my property and buy out the mortgage at a reasonable profit for him ultimately saving myself several thousand dollars in the process. I understand that private mortgages are routinely sold at 30 to 40 % discounts all the time. Thanks for your opinion
What is the annual percentage rate of the mortgage interest?
Can you still get a sef cert mortgage in the uk?
Looking for a mortgage,I'm self employed,looking to borrow 90,000 I do have 10 %deposit,ok I'm a taxi driver,and my takings do not reflect my true income,are the any self cert mortgages out there ?
We bought a home two years ago and it is an FHA mortgage. My son was tested for lead and it came back at 14?
I am trying to find out if there is anything legally I can do we are now behind on the mortgage due to repairs to the house because of this issue. My understanding is the FHA inspector was supposed to check and the windows along with our living room and baby's paint was chipping as well as all the window had this little blocks under them holding up the storm window that were lead pieces. Can I do something or get some kind of grant and what type of lawyer do i talk toIt was an FHA when we signed the contract we did sign a lead disclosure we did not have a private inspection but I was told the FHA inspector is supposed to check for lead exposure now my child is at a level of 14 and we have fallen behind on our mortgage trying to make the house safe for him. I seen something about being able to have 6 months of no payment to repair the issue. I am not sure though.
My mortgage bank is Salem Five from Boston. Is it a good bank or I should refinance my house with another bank?
Renters insurance included in mortgage payment?
before my mother passed away she had her homeowners insurance tied into the mortgage payment each month. now that the trustee has taken over, and rented out the house. she has paid in full $740 by personal check, annually for landlord insurance, but the monthy mortgage payment is still the same. in fact $40 more. shouldnt the mtg payment be very low, due to the homeowners insurance discontinued?
When you get money from insurance on your house do you have to give some of the money to the mortgage company?
Cash deposit is being questioned for my home mortgage?
I have about 14000 in the bank, however I had a cash deposit in my account in the middle of april for 3300. My down payment would be about 6500 with about 2000 closing costs covered by me. I didnt think this would matter since I already had the dp covered, I was just getting nervous bcause I had so much cash around, they I had been saving for the last three years. So What do I do if the bank doesnt believe that this wasnt my money? Since I would have enough even without this money to cover the dp anyways.
Can I qualify for a mortgage?
I'm tired of renting. It's stupid the amount of money I throw away every year on rent. I'm ready to buy a small condo. In looking at anywhere from a studio to one r two bedrooms in my area which range from 50 k to the max I want to spend is 85 when also figuring in taxes and maintenance . The good I am 24, college educated and have a stable employment history. 3 years with my current employer 3 years with my past employer. I make about 27 k and have no expenses besides rent and utilities. I have over $35,000 saved for a down payment plus a little extra I could throw to closing costs. The bad I was finance and credit illiterate when I was 18. I did some stupid things and I'm paying the price now. My credit score teeters around 600 even though I have low balances, paid off all debts, and have not missed a payment in over 3 4 years. Also I have abou 15k in student loans that are consigned in my name. My father had always paid these for me since he was always paying for college. But a bank is going to look at that and see it as my liability and not 'oh we'll daddy is paying the bill not her do disregard it'Do I have a shot in hell of getting approved for a mortgage? Or should I just continue to wait?
Does anyone know if you can get a mortgage when doing agency/bank work (UK only)?
When I say bank work I mean for an agency. I'm an agency qualified nurse and have regular work. If I can show evidence of previous months wages through this agency work will there be any problems in securing a mortgage. Thanks
What is my mortgage payment amount?
On an FHA Loan.....The sales price is $175,000. Down payment is 3.5 %. Lets say the interest rate is 4 % and home owners insurance is $100.I dont know what the mortgage insurance would be. Taxes are $5171. Thanks.
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