Some cool apartment building images:
I really like this old brick apartment building on Colombia Street 2
Image by benchilada
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a L’art – apartment creating name
Image by designwallah
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the washington monument peeks more than an apartment constructing at the bottom of meridian hill park
Image by JamesCalder
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Financials Sink After Obama Win; Fiscal-Cliff Worries
The fiscal cliff refers to the combination of automatic spending cuts and tax increases next year which could tip the U.S. economy back into a recession, medicine barring a budget deal. On the campaign front, Wall Street executives … Analysts with Compass …
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Question by cliff_dweller: FHA loans What are the pros and cons of FHA loans? I am in California if that makes a diffrence?
What are the pros and cons of FHA loans? I am in California if that makes a diffrence. Thanks!
Best answer:
Answer by Marty S
A FHA loan is a 30 year fixed (or 15 year fixed) loan that is insured by the federal goverment. The pros are that the rate is not that bad, case and your loan is insured by the federal goverment. They also have easy FICO score requirements. However, more about they do not like it if you have had past collections. If I can be of any assistance, shoot me an email msmith@premierloangroup.com, and I’ll help
Marty
What do you think? Answer below!
Question by Mute D: Stating extra income when applying for a mortgage loan?
Should I state my extra income even though I don’t pay taxes on the extra income when applying for a home loan?
Best answer:
Answer by Dale H
For the most part, abortion you cannot just “state” your income. It has to be verifiable. This is done through tax returns, buy information pills W-2’s and pay stubs. If you are not claiming the income on your returns, cure most lenders and programs will not consider it for qualifying purposes.
Hopefully, you have enough verifiable income to qualify for the loan you are seeking. If not, ask your lender if they have any programs that may allow “secondary stated income”. This is income that cannot be verified through traditional sources like tax returns. For instance, if you are a carpenter by trade and have W-2 income from your employer, but you also earn income from side jobs, but have not declared it for tax purposes, you may be able to use it to the exent that it doesn’t exceed 25% (for example) of the verfied income.
Good luck.
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Question by guero62: What is the difference between pre aproval and pre qualify in home loan?
I keep seeing people talking about being pre approved for a home loan or being pre qualified, prostate one being quicker and easier than the other. What is the difference/benifit of the two?
Best answer:
Answer by nite_angelica
There is no difference. They say that and then you STILL have to go through the approval process with the loan department.
What do you think? Answer below!
this is my answer
dunno
Preapproval is a conditional approval usually received after you have applied for a home loan. A final approval is given once a underwriter has reviewed the loan.
A Prequalify is given to people that have passed a general screening process based on the lenders guidlines. A prequal doesn’t mean you are preapproved, preapproval will usually be given once you apply and meet the the lenders qualifications.
The process for either or will be the same. If you have a preapproval from your current mortgage provider then that means they did a more in depth research to prequal and the process maybe quicker with them.
Pre-approved is generally termed when the lender has received more information and started the process for the loan. Some people mistake many of the terms used and add to the confusion of what everyone is talking about. Pre-qualified is generally “will your income support the payment” and little else. It is important to remember that if you want to buy, financing should be the first step, offers from unapproved buyers will not be accepted. Find a competent agent and ask them to represent you. They will act in your best interest and make sure your ducks are in a row. If you need payment info, feel free to use the tools on my site http://www.northcountryre.com.
Good Luck