Château de Boigne, Chambéry
Question by yourtruckerfriend: what are the specific rules for truckers to get an fha loan? Im a first time home buyer. I am a otr driver. I am out working 355 days a year. I take 1 week off to visit family back home. The dept of transportation allows me to deduct from taxable income a flat rate of 45? dollars for everyday im out on the road..away from my home state. I claimed about 37.00 a day..itemized on my return. I also have other deductions to my taxable income. The issue is.. my mortgage broker is stating that the underwriter is making me show my tax returns for 07 an 08 to see IF i qualify for a home loan. I made 53k , pilule web i had 20 k in deductions. I couldve taken more but thats a gray area , more about recpts etc.. anyway.. i am NOT a self employed person.. i have w2s. I applied to the underwriter , find got approved for 72k. I negotiated the purchase price, and such.. got my loan down to 56k & seller contribution of 2k, add in an 8k rehab loan, brings my tally to 64k, add in 12k closing etc. bottom line. my mortgage guy locked me a rate at 5.5 fixed 30 etc. amaZing..its till the 1st of march.. Our closing goal is the 20th of feb.. as i said i had a preapproval.. i signed a contract , (theres alot more details about the contract).. paid for inspection, and appraisal. now mortgage guy TIM.says he put off ordering the survey as i may not qualify now.. I ask why am i being forced to show tax returns, just because my occupation is trucker?.. if i made 53k a year and say paid rent equal to my truck pmt.. 652 , and ,my util budget is 232 a month. I make around 4144 a month. I gotta eat, like eveyone else..only i get a tax break on daily expenses.. meals etc. My mortgager lied to me saying an appraisal had been ordered when it has not ..that was 9 days ago.. now i found out that the realtor.. MY realtor stated ..c.mort group has ordered the appraisal, then see hand writen order but am told by morgage co. that it wasnt ordered. everyone else whos not a *truck driver..gets to take w2s to fha and show bills etc, get a loan. but for I .. i am required to show all my tax return even tho i am not self employed and i get most of my tax pmts back by itemizing.. well the house sits and i am left with 725 spent for inspection and appraisal and now even tho i had a prequal letter, a signed contract and 30 days into the process.. my mortger says i dont qualify.. is there a way around this. thru it..etc The purpose of buying a home now is the market, my age and family needs. I plan to be home more and my work is slowing down a bit. Ive been a driver for 7 years. didnt want or need a home, stayed out on the road. cheaper. independant now.. my family has no housing.. i have the ability to have a full house again. and yes..tax deductions.. equal amounts better investment.. the reason the underwriter is asking for the returns…because i stated truck driver as job. i also wonder..could it be also because im female? if only my ahem.experienced mortgage broker listed me as freight engineer or relocation specialist or professional commodity relocator..? im just...
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by Center for American Progress knowledge of the details facts about the Home Equity Loans article by Mark Twinton For more informaiton please visit here … Related Articles Stated Income Home Equity Loans Question by : Will I owe foreclosure debt in Oklahoma on an FHA home loan that is in foreclosure? My home is in foreclosure. I have an FHA loan on which I paid monthly mortgage insurance payments when I was current on the loan. Will they come after me for foreclosure debt by garnishing my paycheck or taking my state or federal tax returns, find or will the FHA mortgage insurance prevent that?? I need any answers or suggestions about what to expect in the coming months. Best answer: Answer by kcThe FHA insurance you were paying was not to protect you from having to pay if you defaulted (in this case foreclosure). The FHA insurance helps protect the banks from loosing money if you defaulted. You are still responsible for anything owed after the house is sold. The mortage company will sell the debt to a 3rd party collection company. Yes, you will be hounded by debt collection agencies and they can get a judgment so that your wages could be garnished. They can get a garnishment on state and federal taxes. You might want to contact a real estate attorney to help you. Sometimes you can negotiate with the lender and they will forgive the debt if you hand over your deed. The down side of getting the debt forgiven is that the IRS considers it income and it will be taxed as income, but it is better than paying for it with interest to a debt collection agency. The bottom line is that everyone looses (you and the lender), but the debt collection company will be the only one who comes out on top. Give your answer to this question below! Verify out these castle images: castle with drawbridge Image by NapaneeGal This castle was halfway down the hill, no rx about five minutes’ walk from exactly where we had been staying. The walls about the castle housed a flower shop and a convenience retailer, pilule inset into the thick stone. The drawbridge can’t be seen in this shot, page although you can make out the chains that operate it. For much more properties click right here… Castle story. Image by DeusXFlorida Castle story. Florida. Model: Tatiana. Nikon D60 + Hasselblad Carl Zeiss Planar 80mm f2.8 (manual) . More excellent homes click right here… HARP Refinances Continue Robust Pace in July … nowadays released its July Refinance Report, viagra 60mg which shows a essential milestone was reached when more than 519, medical 000 loans have been refinanced by means of Fannie Mae and Freddie Mac under the Property Affordable Refinance System (HARP) given that the beginning of this year … For much more informaiton please check out right here… White Property Refinancing Plan Advances and Robert Menendez (D., N.J.), would make it feasible for a lot more home owners to refinance their mortgages with any lender beneath an current government program, permitting them to shop about for the best rate. It would also remove specific charges that … A lot more informaiton please check out here… Mortgage Refinancing's Future Could Mean Models Overstate Returns Individuals guidelines “at some point” are probably to replace the looser recommendations targeted at borrowers with small or no residence equity below the federal House Inexpensive Refinance Plan introduced in 2009 and refined final year. That would enhance prepayments amongst … For far more informaiton please check out right...
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