bittercup84 asked:


Were looking into purchasing our first home soon. I have been given a lot of data from different lenders realtors but am left with a few questions. The credit score we are working with is 682, we have no outstanding collections or debts. We do have a small personal loan out (for 3k) but are never late or anything on the payments so I dont think that will negatively affect us will it? Is 682 a high enough score? We dont have anything bad just slightly limited as he is only 23 years old. I have been told that some companies are allowing people to receive a credit from them for the first time buyers 8k then use it as a down payment. Is this true or a scam?
The company that talked about the 8k credit as downpayment was metlife loans, they are fairly reputable right?

first time home buyer loan

MEGA asked:


Im a Mexican Citizen
I live in Mexico
The house i want to buy its in Mexico
I want to pay a rate lower than mexican banks that is about 9% annual rate.

home loan

flaka0306 asked:


im a first time home buyer and i would like to know what kind interest i can get.

first home buyer loan

Deborah F asked:


I’am Looking to help my son with his student loan payoff. He has a Sallie Mae Loan but It is not fixed. I want a fixed loan. One of my options are to get a home equity loan. Is this a good Idea? If not, I could use some suggestions.

home loan

Mike C asked:


First time home owner…owned home for 1 yr. thanks

mortgage rate

Surjit T asked:


I am a 1st time home buyer and am in a high tax bracket (33%). I am considering whether I should accept points and buy down the rate and claim all the points (approx $11,000) in the current year when I file my returns next year? This is not a refinance mortgage.

first home buyer loan

sfcastrolionmark asked:


Could you help me with this situation? I had co-signed for an ex-lover to purchase a vehicle about three years ago. I haven’t heard from this person in over two years. I came home Wednesday night to find the vehicle sitting in my driveway, with the keys, and the registration in it. There wasn’t a note or a message or anything.
I called the finance company and they had told me that the payments where always made on time except for the last three months. I also found out that the registration was three months behind as well as a few tickets on it.
So, I made the payments to the finance company to catch it up. I am taking care of the registration and tickets. As well as added the vehicle to my insurance.
Now I want to protect myself if I am going to take on the financial responsibility of the vehicle.
I am unable to reach my ex and I think that he may have even left the country for a period of time.
The registration lists him or me as the owners of the vehicle. Which is apparently different then if it was listing as him/me.
DMV is telling me that this makes it possible to remove him from the registration of the vehicle with out his signature.
Now DMV will not remove him from the vehicle until he is removed from the loan from the finance company. The finance company is telling me that I need to refinance the vehicle and take on a new loan myself.
O.K. sounds easy enough. Right?
Well, I am trying to refinance the vehicle and nobody will take it until DMV removes him from the registration.
So DMV will not remove him until the finance company does, and the finance company wont remove him until DMV does.
Big problem!
It seems that the only choice I have is to continue paying the loan and keeping him on there as an owner. Once the loan is paid off, I can go to DMV and have him removed.
Now my question is how do I protect myself from my ex just coming over and driving off with the vehicle. Assuming that he has as much legal right to this vehicle then I do.
Is there a way for me to legally take over ownership of the vehicle without being able to contact him? Assuming he has just abandoned the vehicle? At least for now.
Do I as the co-signer have more legal right to the vehicle then he does? What can I do to remove his rights to the vehicle at this point?

first home owner loan

lostlilshedevil asked:


My father’s health is horrible. He can barely see, can barely hear, he has diabetes, cataracts, high blood sugar, and high blood pressure. Recently, I have taken care of the legal matters from my only grandparent’s death so that my father wouldn’t have to (i.e. finding a lawyer, dealing with the IRS and the 40,000 in fines he had, I sold my grandmother’s house to pay the bills as well). My grandmother’s house was supposed to go to me and my brother, but my dad and step-mother spent all of the money (half on legal fees and taxes) and the rest on themselves. My father also blew our college fund when we were little, my brother and I both have student loans and we both want to further our education (he wants a PhD, I want to go to law school, but funds are tight for us). My stepmom spends every dime they have on jewelry, toys, big screen TV’s (they have three), vehicles (they have three trucks, and one car, and they want a jeep as well).
I just recently got him home owners insurance (that I am paying for), because I don’t want him being sued or not have money for a home if the house burns down.
I feel that my father is not mentally able to be financially responsible. Especially that lately he has told me he is becoming mentally unbalanced (he said he couldn’t figure out why the shower was spraying only hot water, and it took him several minutes to figure out that there was a cold water faucet…this has happened several times)…there are more examples, but this is already too long.
What can I legally do without hurting him? My stepmother hates, me doesn’t want me involved in ‘their’ life, even though I have only been nice to her (seriously).
The only thing that is left is our ranch, which has been in the family for 100 years; I do not want my stepmother convincing my dad to sell it. I’m scared we are going to lose what little family we have left and the ranch with it, and soon after the money from that dries up, I’m sure my stepmom will leave.
I’m 25, so yes, I’m over the age of 16. My stepmom is from Asia and barely speaks English, she doesn’t understand the laws here either. I’ve had to file police reports (that go nowhere,because my dad wont say anything) after my stepmom has hit and slapped my dad several times. (she also has forbidden him to buy me or my brother gifts for Christmas or our birthdays, we also buy my dad gifts though…not her anymore) It’s not about the money (not 100%, although I am pissed my grandmother’s wishes were not honored even after my dad said we could have the house), it’s about protecting what little family I have left. My mother died when I was 19, and my father was kept away by a court order until I was old enough to know the truth (too much to go into). I have two bachelors degrees that I paid for on my own, I’m in the process of getting into law school, so I know I can make me own money, I do not count on inheirting anything. I feel like the only responsible person in this family.

first home owner loan

Raleighite asked:


We talked to him yesterday. He has seen the home 3 times and is very interested. He spoke to his lender and verified that his loan would be good. We discussed price, paying part of closing costs, etc. The guy has worked in construction for years (plus the home is only 14 years old) so has said he would not need an inspection. We also spoke to an attorney about closing (same lawyer we used to close on the home we live in). What else would we need to do to close this deal? There are no real estate agents involved. I have sold a home by owner before, but it was a while ago, so we want to make sure we do things properly.

Are we forgetting anything? Thanks!
Sorry, forgot to mention we had an agreement to sell real estate form too.

So, the attorney’s don’t do the title search? There are no liens on the property.

first home owner loan

*me* asked:


I saw on our town t.v. station, that as long as your home price is under $140, you could qualify for a grant from $5 k up to $35 k. I was also told that I could get help since I have a deaf child that would be living in the house. A Realtor told me this. We also live on one income, and have 4 kids, and one on the way, does any of this matter?. What are my chances of getting this grant?. I need to know, because this house we found needs lots of work like plumbing, electrical, windows replaced etc…. Should I count on this grant, because without it, we could not fix up this house. It has a big lot, and lots of potential. The owners already went down $15 k for us, but that still is not enough. Thanks
You guys really dont know much about this do you? Please quit trying to give me a loan, I’m not looking for one to pay back, I’m searching for info on grants.

first home owner loan