The Colonnades Condominium, Kota Kinabalu
by 350.org Question by Daniel G: Do personal loan underwriters spend a lot of time verifying income or do they rely on credit score? Do personal loan underwriters spend as much time as mortgage loan undertwriters verifying income? I know mortgage loan underwriters spend days checking a loan and have tools to check docs. Do personal loan underwriters follow the same guidelines? Best answer: Answer by kellyyes they do they need both statements and information that support what you have written down to make sure that you are not a risk worth taking. Give your answer to this question below! by marsmet526 Question by Allison: why is my FHA mortgage banker refiance taking so long? We have had our complete FHA refinance package with the underwriting 2 weeks today. The loan officer tells us that it’s a more difficult file to process but says all looks good. I asked if they want to see any more documention and he told us that they haven’t asked for anything. We are getting concerned. If everythink looked fine, symptoms but they wanted some more documentation, wouldn’t they approve with stipulations? What could the hold up be? And at what point do we walk away and go with someone else? Best answer: Answer by MoneyMonkeySometime the squeaky wheel gets the grease. Ask him for a deadline, and keep calling him politely every day until it is complete. Ask him outright if you should be looking for a loan elsewhere. Add your own answer in the comments! Question by Manny: can i sue chase bank for selling my mortgage with good credit during a HARP application? During my application for modification or refinancing program to get a lower rate, information pills after 4 month back and forth with paper work, without any detail explanation, the letter said I was not qualified I never been late in payments, our credit scores were above 740 & 760 and we could make our payments,but our mortgage was underwater and this was the purpose for refinancing. Two month later our mortgage was sold to LBPS/Seterus a motrgage service company. Best answer: Answer by A HunchSeturus a mortgage service company. They don’t own the loan, so Chase couldn’t have sold them the loan. They service the loan for the owner. Was Chase the owner? Is Chase still the owner? Was Chase ever the owner or were they a servicer too? Know better? Leave your own answer in the comments! by Center for American Progress Question by ruby: How long is the process of a Home Affordable Modification Program with a bank last.? I’m in a Modification Program with my bank since April and they are giving me the run around. My three months trial period had ended. They ask me for document which i presented, there now ever other week they are asking for the same documents or something new. I pay my mortgage on time and i have done ever thing in my power to please this bank. I have a lawyer on the case but nothing have change and i don’ t have any money to seek another. How can i resolved this situation. Best answer: Answer by linkus86Loan modification is subjective Stay prepared and make copies of everything. Don’t be afraid to seek another contact person in regards to the modification. Be tenacious in your efforts. Give your answer to this question below! Question by A A: How much could I get a mortgage for if I make 31k a year? I’ve been hearing about this 8k home credit if your a first time homebuyer and...
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Question by Michael R: I recently started a new business venture as a loan officer, and hospital does anyone want to be my first customer? Also if there are any questions about home finance that I can help you with, cialis 40mg I’d be happy to answer them. Best answer: Answer by Joseph TI’d like to be your first customer, can you loan me $ 5? I am hungry. Give your answer to this question below! HARP 2.0 Program Allows Many Wisconsin Homeowners to Take Advantage of … Waukesha, this WI — (SBWIRE) — 03/05/2013 — More people than ever with homes in distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments. If you would like more informaiton please visit here… Not Harp 2 Eligible? Refinance Anyway As consumers know, more about the Making Homes Affordable Program aka Harp 2 Refinance allows people to refinance so long as the loan is owned by Fannie Mae or Freddie Mac, with out any loan-to-value restriction. Consumers could also successfully refinance … If you would like more informaiton please visit here… Jumbo home loan business is booming At least in the sector in which Redwood specializes: jumbo home loans, viagra generally over $ 625, search 000 in affluent areas, page that are not backed by federal agencies such as Fannie Mae, Freddie Mac and the Federal Housing Administration. In a letter to … Little … If you would like more informaiton please visit here… Westland seeks those in need of emergency home repairs A homeowner with income at half the average median income for metro Detroit would be eligible for a zero interest loan. For a person, that means $ 22,550. Depending income level, the loan could be subject to 3 or 5 percent interest rates. “We used to … More informaiton please visit here… Issues in mortgage sale Financial hardship: A consumer who enters into a home loan contract at a particular annual interest rate has no clue what the future has in store for him/her. Any change in their earning ability, interest rate and in real estate prices make homeowners … More informaiton please visit here… FHA Pullback Boosting Insurers Traders Left for Dead: Mortgages Now, cost as FHA has raised premiums to help cover a $ 16.3 billion budget shortfall, insurers have made inroads into the market, increasing their share to 35 percent of policies in the fourth quarter, up from 26 percent in the first, according to Inside … If you would like more informaiton please visit here… New tool offers info on down payments programs by city or address for publicly and privately funded assistance programs, including FHA/VA, HUD, affordable fixed-rate mortgages, rehab loans and more. Home buyers just need to enter basic information in the resource directory, such as where … More informaiton please visit here… by Chris Devers Question by Leo: Is there any tax deduction for home loan in other countries ? If a person carries a home loan in other country (other than US) is there any tax deduction(relief) given by IRS ? A part of his earning in US is being used to pay home loan EMI in other country. Best answer: Answer by KenMortgage interest on a second home is deductible on schedule A as an itemized deduction, and even if the second home is located outside the U.S. However, if you reside in the U.S. and the lender is a foreign person/bank, then you are required to withhold 30% tax on the...
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Question by midnightrose: I have all the info I need, about it side effects but I need someone to help me calculate my payments before I sign my offer…? My mortgage guy is out of town for Easter and I need to check what the payments would be for the counteroffer …. We are doing an FHA (b/c of our scores, diagnosis it is the only option) taxes in our county are .4% Whatever the market FHA is, the offer is 170K with 3% downpayment assistance, and a 6% concession to be used for buying down the rate 4 points (or 1%) and then what’s left is for closing. I am curious what our payment will be approx, including PMI, P&I, and H/O ins. & taxes escrowed… I live in Fort Mill, SC. Would like to know payment and possibly what our leftover closing cost “might” be….. Best answer: Answer by Shana BTry this mortgage calculator… http://www.mortgage-calc.com/mortgage/simple.php Add your own answer in the comments! Question by kateward23: I have an ARM with a penalty phase getting ready to end. Where do I start to refinance? I know that everytime my credit is checked, link it is a hard hit on my credit. I want to shop around for the best rate, information pills but want to do so in a way that will not be detrimental to me. Best answer: Answer by Searchlight CrusadeActually, if you limit it to mortgage inquiries, all inquiries within 14 days count as one. Act of Congress several years ago, put through by National Association of Mortgage Brokers. Yes, it helps them, but it *really* helps you by enabling you to shop for a loan as much as you might shop for a toaster oven. Have good long conversations with at least half a dozen prospective loan providers. If you get a good one, brokers will beat direct lenders every time, because when you talk to a broker, you’re automatically shopping a lot of lenders. Brokers get better prices than a lender’s own loan officers in most cases, because 1) the lender isn’t paying their overhead, and 2) from the moment you walk in the door, most direct lenders consider you their captive. Broker clients are *never* captives. Give your answer to this question below! Question by d0nkeypunch4u: Which is better? Conventional Mortgage, click FHA Loan Or a VA Home Loan? Not sure which is better. I have close to a 700 credit score, buy information pills about 25k for a down payment. Looking for a condo in NY. Any suggestions? Best answer: Answer by Searchlight CrusadeWhat price condo in New York? If you qualify for an A paper conventional loan, viagra 100mg especially conforming, those are the very best rate/cost tradeoffs. Always. VA and FHA are good for low to zero down payments, or marginal to poor credit, but have an absolute limit of $ 417,000 (conforming loan limit). If you’ve got a $ 25k down payment on a $ 600k condo right now, you’re SOL as far as VA and FHA go. I can’t think of a situation where FHA beats VA. VA has no financing insurance requirement, and can even roll up to 3% closing costs in, if you need to. If that condo is anything up to $ 250k (10% down), you’re likely to get a better loan conventional. If it’s over (but you can still afford the loan), A VA is likely to prove the best alternative. And bless you for serving! What do you think? Answer below! A few nice condominium photos I found: Curridabat, illness San Jose,...
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Mortgage Refinancing: Wait or Move Now? The CoreLogic Home Price Index is up 2.5 percent from a year ago and the Federal Housing Finance Agency's purchase-only index reached its highest level in nearly two years, order medicine after growing 3.7 percent from last year — the fastest pace since September … If you would like more informaiton please visit here… Arizona State Credit Union reports members' HARP savings Arizona State Credit Union saved 600 of its members more than $ 2 million each year by participating in the federal government's Home Affordable Refinance Program. The average member saved $ 369 on monthly mortgage payments, website the credit union reports. More informaiton please visit here… Question by Go with the flow: FHA has no mimimum mortgage requirement, website but banks will only make a loan for so little? True or False. Let’s say you find a house for $ 8, information pills 000 From what I have read, there FHA does not have a minimum requirement. But, from what I have read most banks do not make mortgages for loans under 40K or 50K. My guess is all the paperwork and costs would be too great for an amount so small. Anyone an expert on this? I am sure there are banks out there that will do mortgages for only 30K, but I can’t imagine it being worth their time to do a mortgage for less Best answer: Answer by djstwainAs with any business they get to decide what loans will make them money. When you take into consideration the cost of doing business, it may not makes sense for them to write a loan for under $ 20,000. I would try a credit union or local regional bank. What do you think? Answer below! Question by tiredbutwiredlove: Obama’s loan modification program and 2nd mortgages? We have 2 mortgages. Our first mortgage company will do the new modification, cure but does our 2nd mortgage company have to? I’m confused how Obama’s new plan covers those of us with second mortgaes who have lost our income. I know we would be able to refinance and put them together under the new plan, more about but I still don’t think it would save us much, and not as much as getting both of them modified. Any help in understanding this would be great! Best answer: Answer by Gaytheist BuddhaNo help for second mortgages. What do you think? Answer below! Question by Spokesmodel: I received a letter that I may qualify for lower mortgage payments for my FHA Loan.? I received a letter from Newport Shores Mortgage that I may qualify for a payment reduction on my FHA loan. Is this a scam? I contacted my mortgage company (Wells Fargo) a few months ago and they told me that FHA loans don’t qualify for any of the Obama programs, nurse but that it could change in the future. I looked up Newport Shores Mortgage on the HUD official website and they are listed as a qualified lender. I don’t want to get scammed and potentially lose my home, but I do need some help lowering my monthly payment. Does anyone know anything about this? Best answer: Answer by patrickwell… you are being partially scammed. What they did was search through the recorded deed documents, or through credit reporting agencies, and determined the value of your current loan, and the interest rate you are paying. Then they determined that you may qualify for a new FHA loan at a lower rate. They are really looking to get you to refinance your loan, through them....
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Some cool apartment developing pictures: 1930’s Apartment Building Image by sortofbreakit People live in these buildings like anyplace else. They looked it us kinda funny for taking pictures. If you would like to see far more residences click here… Question by hunter: I’m trying to find WWW. Hope For homeowners FHA.gov.? This is a site for homeowners looking for help with mortgages. Best answer: Answer by Maverick Mack MichaelsHere’s the site your looking for: http://portal.hud.gov/portal/page?_pageid=73, ampoule 7601299&_dad=portal&_schema=PORTAL Add your own answer in the comments! Check out these mansion images: Mansion Hotel Image by feldpress Mansion Hotel Grand Opening May 12, treatment 2007 Dr. Dean Yin, page CEO, Boutique Hotel Invesotrs International For more homes click here… Mansion Hotel Image by feldpress Mansion Hotel Grand Opening May 12, 2007 Isabelle of Shanghaitang, Ye lai Xiang (Song) More great houses click here… A few nice condominium images I found: Doty School Condominiums Image by Madison Guy Not all Madison condos dominate the city skyline at night like dark, store high-rise intruders from another planet. Some, like the Doty School Condominiums, nestle quietly into their neighborhoods, where they’ve been at home for years, architectural landmarks whose lights provide a neighborly glow, like the windows of people you’ve always known who live down the street … Part of the Condos after Dark Series. More at my blog. More great houses click here… Wildwood Condominiums in Katonah Image by sonjalovas Wildwood Condominiums, Katonah, NY More great houses click...
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