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Is There Any Way To Add Another Person’s Income In A Mortgage Application Without Them Being A Co-applicant?

12 Jan 2010 by .

Hello…
I will be prequalifying for a mortgage in February. I have very good credit but don’t make enough money for me to qualify for the mortgage amount I want. The person that will be living with me and helping to pay the mortgage has terrible credit, but if we could combine our incomes we could get the house we want. Is there any way of having both incomes and only my credit considered? The other person is not a spouse and I am planning on applying with Bank of America. Maybe someone who was in the same situation can help. Thanks in advance

Category: mortgage  Tags: , , , , , , , , ,  5 Comments

How Do I Compare Mortgage Companies Rate Without Each Of Them Pulling My Credit?

09 Jan 2010 by .

I want to compare different mortgage lenders rates for me but I don’t want them all pulling my credit & lowering my score. My credit score is 739, and a place told me 6.5% yesterday. What is the average rate for good credit?? Can I get a better rate from my bank or a mortgage company?

Category: mortgage  Tags: , , , , , , , ,  4 Comments

Can I Refinance My Mortgage Without Having To Payoff My Home Equity Line Of Credit Balance?

06 Jan 2010 by .

I have a mortgage & home equity line of credit with the same lender. The rate on the equity loan is currently 2.5% (prime – 3/4). I was thinking of refinancing my mortgage and taking out a little cash to pay off some credit cards. My question is, if I refinance my mortgage do I have to pay off the balance on my home equity loan?

Category: mortgage  Tags: , , , , , , , , ,  5 Comments

Is There A Way To Help My Parents Pay Off Their Mortgage Without Having To Pay Taxes?

04 Jan 2010 by .

I am not trying to evade taxes but I have paid taxes on all the money I have earned. I want to help my parents pay off their mortgage ($160K) before they are too old to enjoy life. But are they going to have to pay taxes on the money I give them?

Category: mortgage  Tags: , , , , , , ,  3 Comments

How Long You Can Stay In A House Without Paying The Mortgage?

25 Dec 2009 by .

How long you can stay in a house without paying the mortgage?
How long you can stay in a house without paying the mortgage?
I’ve never missed not a single payment, but because of bad economy I cant can’t afford to pay it anymore….I just can’t.Unless my lender cut the payment in half.What happen if I stop paying? Shall I let my lender know first? How it will effect my credit?
House is in Virginia,USA.

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How To Transfer Property After Father Dies Without A Will.?

20 Dec 2009 by .

Wifes father died without making a will. He had four children (2 daughters and 2 sons including my wife, and his wife). How will the transfer of landed property and house be effected? What are the legal procedudes involved that need to be followed.

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How Do I Get My Name Off A Mortgage Without Refinancing.?

20 Dec 2009 by .

I recently went in with my parents on a 5 year fixed mortgage. They could afford the house without me but I put my name on it to get a housing allowance from my company. I now want to buy my own home but require my name off the mortgage in order to get financing (on my own). The banker said that my parents would have to refinance the mortgage and pay a fine for canceling the 5 year fixed mortgage. We just wish to remove my name not redo the mortgage.

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Can I Sell A House Without Paying Off Mortgage?

19 Dec 2009 by .

I am planning to sell my extra house, for which I am paying a mortgage (15 more years to go). The mortgage rate is really low. Can I sell the house without paying off the mortgage (i.e. can I take the mortgage as a low-interest loan), e.g. for a few years (my investment return should be much higher than the mortgage interest rate)? Is this an option that I can negotiate with my lender?

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Should I Buy The Home Without Getting The Full Appraisal Done – I Am First Time Home Buyer?

17 Dec 2009 by .

First time home buyer, made the offer on the place, but since I am putting over 40% as downpayment, lender didnt do a full appraisal, I am just worried that I might be over paying. should i force the appraisal, so that if it comes out low, i can negotiate the contract price, kindly help, my real estate agent is not too helpful.

Category: first time buyer  Tags: , , , , , , , ,  Comments off

What Can I Do About A Mortgage Company Checking My Credit Without My Permission?

15 Dec 2009 by .

Ok…I get a call from a lady saying my mortgage company assigned her my file and that she could get me a lower interest rate. Well great, I said to tell me what she could do. Never did I give her my or my husbands social security numbers or any info. Well, she checked our credit without my or his permission. I called my mortgage company and they said they never give my info to anyone….yet this lady says they did and that this is how she had my info. What should I do?

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Can A First Time Buyer Co-sign On A Mortgage Without Losing Their First Time Buyer Status?

13 Dec 2009 by .

I’ve been asked to co-sign on a mortgage for someone else in my family, but I’ve never owned property and don’t want to lose any first time buyer premiums when I decide to purchase my own real estate. Is this something I should consider?

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How Can I Get Nutrition Facts Of My Own Food Without Hard-to-find Lab Equipment (it’s Thanksgiving Holiday…)?

13 Aug 2009 by .

I know how they find the total amount of calories, but what about where they come from, as well as the vitamins and minerals?
I’m working on a science project right now, about how different methods of cooking change the nutritional value of food. Calorimeters can be easy and inexpensive to make, but I am looking for a way to also find the proportions of macronutrients and vitamins/minerals at home.

Category: holiday homes  Tags: , , , , , , , ,  2 Comments

What Can I Do If My Mortgage Broker Lied About Income To The Lender Without My Knowledge?

09 Aug 2009 by .

Hi
I want to know, according to UK laws and FSA regulations what can I do if my mortgage broker lied to the lender about my income? I accidently came to know this and broker is not yet accepting this. Mortgage lender is now asking for income proof (which broker wasn’t expecting) which would result in rejection in mortgage application. I have signed the document that the information in application is correct, but whatever was shown to me was different info. and not the one which is sent with application. and application was made on date prior to my signing date. What can I do to teach them a lesson, to get compensation. prefferably I do not want to spend money in hiring lawyer. The firm is FSA regulated, but it does not comply with FSA in this matter.

Category: property abroad  Tags: , , , , , , , ,  5 Comments
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