finding a new mortgage company...sm
Posted By: OP on 2007-01-04
In Reply to: INCOMPETENCE....AARRGGHH - just ventin'...sm
Is at the top of my agenda for this year, but it was the plan all along to refinance this year anyway, so...thanks for the support y'all!
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Best mortgage company for not so perfect credit?
I am looking to buy a house that is $185,000. From the sale of my current home, I will make $165,000 and will use all of that as a down payment. Obviously, I am 20k short. I don't have the best credit (low FICO score) so I am looking for a mortgage company that will loan me what I am short with bad credit. Anyone know of any?
Thanks
Did you talk to a bank or mortgage company and see if you can get pre-approved? Seems
s
mortgage
My thought is to get more house with a 40-year mortgage but it's not necessarily the house I will stay in the rest of my life. I would probably downsize in about 6 or 7 years. Just wondering if banks readily give this or not . . .
Mortgage foreclosure.
I am in danger of losing my home. Anybody deal with this and what did you do?
Mortgage Companies
We have a good one, but it is funny when there is an error on their part they call your employer... When they want to loan you some more money, they call your house!
I had no problem getting a mortgage
with iffy credit, but your broker may not have any control over the documentation needed - especially since the subprime mortgage industry is tanking due to bad loans (everyone is being more careful as a result). STILL, if you have been doing the same type of work for a while, which you have, they should look at the bigger picture - and I would ask them to because you would "hate to have to take your business elsewhere" wink wink.
Remember your clients can lose their clients *any*time - with or without a contract, so I doubt they are going to be willing to give you a letter which meets the requested requirements. If you have excellent credit there are tons of companies out there who probably would not ask for this type of documentation - although terms could be affected a bit. Good luck. P.S. Want to buy my house - its for sale!?
mortgage question
Has anyone ever obtained a 40-year mortgage? Are they hard to get? I'm house hunting and just trying to look at all my options. TIA.
Do you know about reverse mortgage?
Maybe not, you might be young but will explain for others who do not know. If you own your house outright and should your spouse die, you get sick, whatever you can continue to live in your house, and you possibly would get money also to live there until you die. Called reverse mortgage. More should know about it. A company takes over and then you will the house to them upon your demise. So that thing about selling the house, nah on this end. As far as short term social security, may be for younger people or not be all and from what I am hearing by the time social security is due to give out, probably would not be around then anyway so don’t worry about the short term thing there, money from previous hospital is until my demise, again no worry there, money in bank building interest only, don’t take from there, no problem there either. The only thing I consider myself rich in is happiness and love. Next.
Mortgage rates
Is anyone refinancing with the mortgage rates so low? I doubt we'll ever see them this low again.....thoughts?
Have you talked with your mortgage holder? sm
They will sometimes try to work with you regarding payments, etc. They don't like to foreclose. It usually takes anywhere from 6 months to a year to foreclose on a house and they usually take a hefty loss. We bought the house next door to us just a few months ago on a foreclosure and it took forever.
Question about mortgage and divorce...sm
Is the only way to get my name off a mortgage is to have my ex either refinance or sell the place?
Thanks
I agree. They also don't state how much their mortgage
if you don't live beyond your means you don't struggle.
Mortgage? You gotta be kidding. - sm
Dont know 'bout the rest of y'all, but I live in a very tiny apartment. My car is 13 years old, and is going to have to last me forever. It guzzles gas, but it's paid for. I never eat out, I eat 2 meals a day instead of 3, and I buy my clothes at the Goodwill. A vacation? Fuggetaboutit! A 'vacation' is when I occasionally allow myself the luxury of watching the evening news on TV.
Mortgage recommendations for not so good credit...
a family member needs to get a mortgage for a home they are currently "buying" from a friend on contract. I say "buying" in a very loose term, because I am not sure that they even have a written agreement, sometimes it sounds like they are just "renting". Anyway, credit is a problem for them.. bankruptcy 7+ years ago, collection accounts they are currently paying on, etc. and probably some current finance company bills and "of course" the "new-used SUV" they got about 8 months ago. You all know what I'm saying here, this is not a "one time credit problem" .... Supposedly, they tried one mortgage company but, according to the wife, after about 3 months they got mortgage approval but PMI insurer turned them down. They actually have a good deal on the home, appraised at approx 90,000 and they are buying it for approx $78,000, so there is some equity. Of course, they have actually no $$$ to really put down. The situation is that they have been living there a few years and the seller "a friend of theirs" needs the cash by October, so that he can purchase a property he is currently buying on contract from his sister, who needs the money now, etc. and on and on it goes. Anyway, if they cannot come up with a mortgage, they are out, have to move and of course, they will be trying to hit us up for cash or, heaven forbid, a place to live!!! I need any suggestions anyone has or any names of mortgage companies that deal with this particular situation. The wife called us and asked us to co-sign, but that's out of the question. Appreciate any advice
we are closing on a house next month and mortgage
need to come up with some cheap ideas too!! I have several baskets that i have collected over the years and plan on going to the Dollar Tree and getting "girlie" stuff and filling them up for around $5-10 each, depending on size. My family knows this year is going to be hard on us, so that helps!
Let me say, after finding someone again
I wished I had stayed alone. I am not getting divorced again at least not until the kids are grown, so I have made my own space. But let me tell you I believe living on one's own is preferable to living with the wrong person, quite preferable. At least you don't have someone controlling every single move you make!
You just finding that out?
I have 3 cats now but my older cat who died last year was a fabulous mouser at my previous home. She moved most of the time (due to age) slow until she caught a glimpse of a mouse and talk about going into third gear! She killed at least 3, that being 3 less than I had to try to jump up on a table from. I now have 3 younger cats and they might run from a mouse as they have never seen. I have cats who live next door who wander thru my yard (althought not supposed to let animals roam in my neighborhood) and my husband could care less- knows they keep the mouse population down.
Finding classmates
I have been successful at finding classmates by putting up a myspace profile at myspace.com. This is free and there are more of us (from the 70s) on their than you might think. It is primarily a social internet space for younger people, but I have located and reunited with several former classmates - it's great. There is also a section for high schools - so we are able to post about the good ole' days. It's fun being able to see pictures of old friends now, as well as their children and grandchildren. The best part is that there are no fees involved.
Where are you finding pants with
inseams of 33 inches? The usual is more like 30 to 32 inches where I shop, unless they are talls.
I was on three meds before finding the right one (sm)
Zoloft made me too sleepy, Effexor didn't do much but gave me strange buzzing sensations when stopping it. Prozac, low dose (10 mg a day) has helped a lot. I take it in the a.m. so it doesn't keep me up at night. But by the end of the day it helps me sleep. (I also take melatonin for sleep). At first you may have some palpitations when your body is getting used to the Prozac, not sure about the other meds with that symptom. I definitely think Prozac is the best.
Yes, and I'm finding it very depressing.
I find myself having to make lots of pasta dishes because pasta is so cheap. I am single but 16 yo son lives with me and you can imagine how much he eats. It's really discouraging to be on such a strict food budget. Just seems like money doesn't go far at all these days. :(
I was one who wrote below about finding SM
love after divorce. I believe there are good men out there, but they are hard to find, especially the older one gets. I think the key is letting him find you, but it doesn't mean you can't put yourself out there.
OK. What I think about problem men have in marriages. I'm speaking about my own here. I was the only girl he ever dated. He asked me to marry him and I said yes. He knew it was mistake, but was devout Catholic and just stayed married, but decided he would still like to be single, so he began cheating on me. As for me, I loved him for a long, long time. When I see him at family events, I wonder why! LOL!!!!
Have you tried finding a copy? Think a new
copy would be nice, not a used one.
Tried finding out myself what happened
I did not particularly care for her. She could not stop crying long enough to sing and besides that she messed up everytime she got up on stage, flubbed her lines. Simon had said if that happened automatically out and yet they passed her on through.
She might be better finding a new career
I hate to sound harsh or rude, really, but if you cannot do the Indian accents, it might be wise to take your unemployment benefits and transition to a new career. There are few jobs out there that don't come with a goodly number of ESL dictators, and the transcriptionists that have jobs typing just the "good" dictators aren't crazy enough to give them up.
So keep telling unemployment you're looking for work, but do your stress level a favor and look for it in a different field.
Was just thinking, finding a boy-toy would be the way around it....
:)
Not that yours is a boy-toy in his 40s... but you know what I mean. :)
Anyone else finding the net slow today? Must be all
s
Make sure you have copies of all important papers, addresses for mortgage, insurance, etc.
s
I am so depressed about them finding James Kim dead. I am having a really sm
hard time grasping this that I can't imagine what his poor wife and family must be going through. I can't even move and want to read everything about them finding him, etc. if he only stayed in the car with them - He left Saturday morning to look for help and the found his wife and girls on Monday. And he was found dead today miles from where the car was found.
I guess I could thank God that his wife and 2 children are still alive. I am happy they are alive, but it just makes me unbelievably sad what he must have gone through. He had such a great will to live and yet he died out there.
I don't know if anyone out there reading this who lives in Oregon, but I certainly have zero desire to EVER venture out into the Oregon wilderness, now more so than ever. I've heard horror stories about one-lane, winding, extremely hazardous roads and I don't understand why the state won't fix that? This isn't the first family to go through something like this because a lot of maps are contradicting.
This should serve as a warning to anyone who wants to travel the Oregon mountains, especially in the wintertime - DON'T DO IT.
How tragic and sad. 
Glad Roxy is better - finding that web site
When I went to that web site to copy the link for you, I went into the breeder section and out popped a picture of a dear friend from my bird breeding days. I've known here for 16 years, but we have been out of touch for the last 5. I called her and she happens to be coming to my city over Labor Day weekend, so we are going to be able to have a reunion and I'll be able to see her and all the cute little cudly birdies I used to raise - I've missed both my friend and the birds very much!
Finding myself watching the wierdest TV shows
Deadiest Catch was my first crazy addiction - who would have thunk? Now Ace of Cakes. Anybody else have some weird ones?
I think you'll have a hard time finding someone who will (sm)
come for one hour every day. As wonderful as that would be!! I think they could do that in an hour. But finding someone will be tough. Most housekeepers around here make $75 to clean a house and that takes them 2 or 3 hours. They make more than we do sometimes!!
Incidental finding of a cat colony, what this means now.
I had an early morning appointment today and as I started off saw first 1 cat and living really close by decided to come home, get some food and go back to feed it. When I returned 2 more of its friends close by and so I fed them the 3 cans that I had. I hated to see this because of my love for animals which means now I have to go buy them food (in addition to my 3 indoor ones) and go to feed them most days. I am sure they are feral but just breaks my heart to see them having to fend for themselves.
F11 didnt work and I am finding nothing under View on my toolbar. sm
Thanks for your suggestions. Does anyone know how to make that darn paragraph symbol go away? I have those and a bunch of arrows all over my document!
any Dancing with Stars fans finding this bunch -
difficult to get into or is it just me?
and try finding time to workout between children and work...
I wish I had the energy of my 8 year old....
Incidental finding, polycystic kidney disease
Not something that I would have liked to hear but being as older, told the doctor maybe can outlive the cysts, i.e. having to be on dialysis and/or dying because of them. I had an MRI of another region and those picked up, told someone in my family had to have and know of no one. The cysts I have can go anywhere in your body so they will watch them every few months, no abnormal lab tests or the like, found those about 2 years ago. The kidney cysts are the only ones I know of.
My college-age kids love finding stuff at the Goodwill Thrift Store. Go figure! They like their
s
I tried a big company, but
I didn't like the rigidity of their plan. You want somebody who is flexible in the cleaning rotation if they rotate their area of concentration. I mean, this company wanted to waste a clean by detailing my office and bedroom and laundry area. Nobody sees those areas, so if I have company coming over, attention needs to be paid to the areas we'll be using, you know? But they had to follow their national plan.
Plus, DH and I didn't appreciate having to spend every other day off preparing for them to come. Some days you want to spend in the yard and let the house go, but when somebody is coming to clean, you need to have picked up so they can vacuum and wipe counters, etc.
Which company did you use? NM
x
I went with a company...sm
We went with InCharge. The credit cards were out of hand and I was fed up. It took 1-2 months to get everything set up. We pay them $40 a month for their service, but the interest rates were knocked down to 6% so we are still saving bunches of money. We have have all the credit cards paid off in 2 more years. As for working out something with the credit card companies directly, they would not work with us so this is the route we went. Do not regret it at all.
Which company has this.
:
unwanted company
Ditto -- Just don't answer the door. We moved to the country to get away from that sort of thing and it still happens. I hate it too.
Just because a company offers 8....
Just because a company offers 8 cpl doesn't mean they won't up that for experience. I was offered 8 and said no and now I get 10 cpl.
For what company? See, that's the thing - I
have tested for numerous companies, and passed with flying colors, then when it comes down to the job offer, they offer me about what I am making now. That is why I would like to just know what companies out there are paying 10 cpl so I can just bypass all the ones that offer low pay; otherwise, I just see myself wasting my time, taking all these tests and in the end being offered no more than what I'm getting now. Can anyone out there who makes 10 cpl tell me what company they work for?
misery and company
I'm not glad that you all suffer too, but a little relieved. Mine is a little like an electrical hum - white noise came to mind for me also. I wonder if computer error tones started mine as it happened right after I had a series of bad dictations where I turned the volume up really high and then when I hit something wrong I got a very loud tone - someone has since told me how to change it to a more tolerable sound.
Actually, I worked for a PC company
a long time ago supervising the commercial aspect. They always tell you that, but they can and do die in walls. We were sent out many times to cut them out after people insisted on using poison.
The best advice that I can offer is that once you get rid of them, you seal off any areas where they can get back in. If you don't do that, then you will continue to have problems.
Now rats instead of mice, I don't know what to tell you to do if they are eating through the walls!
Me personally though, I had a rat as a pet. In fact, we had to put her to sleep about a month ago.
Maybe you should contact the company...
nm
The big company I used was awful.
Different people every time and they used a special schedule they could not alter when I had a special request. An individual would be more flexible, but make sure they are bonded and paying taxes so you don't run into trouble with the IRS.
Would it be possible to ask the phone company--sm
to come out and inspect your line? I don't see where a lawyer would be any good at this point, until something is either proven or disproven. Good luck.
Can't Garnish a Company
You can't "garnish" a company. Garnishment only works with an employer willing to work you court to fork over money from an "employee." You're talking about a company (is it incorporated?) If you didn't go to small claims already, that's your only (best) way out. That way, the company rep MUST show up in court to answer your claim, or offer a settlement. Unless you do some strong-armed persuasion through the local press and exposing the outfit any way you can I don't see any other way out. Also, in our county it's more like $50 to file the complaint, but you can recoup that from the debtor as part of the settlement. And, don't let the small claims court clerk tell you that you need an attorney. You don't--unless you want one. They clerk is duty-bound by their oath to assist citizens in filing their own documents. They can't give you legal advice, but they can and should make sure your paperwork is okay to file the claim. Also, you can always check in with the state attorney general. They could probably work with this as a fraud case and you might have some recourse there. Also, your state--secretary of state for your state would have information on the legalities of this company, which also if you filed a claim in Small Claims Court you could subpoena documents from the company directly to find out their bank, accounting records, etc. Good luck again.
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