mortgage shopping
Posted By: sandy54 on 2006-09-11
In Reply to:
Hi, this board is so helpful regarding so many different things, I thought I'd ask about my current dilema. Just sold my home in SE New Mexico, moving to Albuquerque. Obviously a site built home is the easiest one to get a mortgage for at low interest rates (I have excellent credit), but because of the cost I'm also looking at manufactured/mobile homes on their own land and in a park. This is just for me and my dog, so I don't need anything large anyway. Does anyone have any advice regarding buying a modular/mobile home as I have never owned one before? Thank you for any thoughts you might have regarding this.
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i specifically refinanced my mortgage because my lender transferred my mortgage to a company
that offshores. Ironically, my NEW mortgage co. just transferred me back to the same company that offshores. I can't win.
You don't need a mortgage if you can't eat.
x
That is my mortgage payment alone - sm
Our expenses for the month are about 5-6K per month.
If only, if only...Our mortgage alone is 2650.
s
Knowing what my mortgage is....sm
truly keeps me motivated....the mortgage is HUGE....*bites nails*
*lol*
Put your name on the deed, just not the mortgage
talk to a good loan officer at a bank about the difference.
Info from 2 different mortgage officers.sm
I wasn't implying that you COULDN'T get approved, I was saying that your score would be higher with fewer open accounts, whether or not they were being used.
For most the mortgage/rent is the most expensive.
nm
About 50K in debt not counting mortgage. nm
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Website address is for mortgage co?nm
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The Mortgage-Lifter Tomato
A few years ago, I heard the story behind this great garden vegetable and did order some mortgage-lifter seeds from a catalog.
In the 1960s, a gentleman developed/raised mortgage-lifter tomatoes, selling them off for $1.00 each and sold enough to pay off his $6,000 mortgage. Thus, he named them mortgage-lifters.
Granted, it's too late in the year to start this enterprise now, but selling seedlings to gardeners is one way to earn some extra money.
I live in a rural area and do plant a small vegetable garden every year. I start tomatoes from seeds, and usually end up with more plants than I need. Most people I know do purchase seedlings; they don't start out with seeds. My son and I have decided that we will sell seedlings (more than just tomatoes) next spring at a weekly yard sale in our front yard.
Mortgage-Lifter story is here:
http://www.loe.org/shows/segments.htm?programID=05-P13-00038&segmentID=8
My mortgage payment is nearly that much. Ten year loan.
Mortgage late payment question. sm
I have 18 months left on my 30 year mortgage, roughly 4K left. If I don't pay my February 1st payment until March 2nd, is it likely they will demand the whole 4K immediately? Just broke right now. 
ask the mortgage company to produce the note
Just heard about this tactic this week. Most mortgages have been sold and resold and if you ask them to produce the original note you signed on the mortgage most of the time they can't and it will buy you some time. Do a search on it.
Can deduct portion of mortgage, utilities.Equip
x
% of mortgage, water, electric, gas, trash pick-
x
My personal goal is when my mortgage is paid off by half - just 125K to go!
Then I will cut back to part time and let hubby carry me. :-) He makes lots more than I do now anyway.
Shopping for me.
aa
Try shopping around
There are a lot of lenders out there that will finance less than perfect credit. There is a lender who can probably give you a higher interest rate, then within the next couple years, get your credit score cleaned up (there are lots of tips on how to do that on the internet) and refinance to get a better rate as soon as you can get your score up. Be careful paying anything off that is on your credit report if it is getting ready to come off. That will leave it on there for a longer time. Get on the internet and read about your credit score and what you can do.
Sorry, that should be: No shopping FOR me, but....
NM
shopping
Don't you always have that ONE gift that you have to search high and low for? Well, that's me today! An oriental rug (with particular colors of course!) for my brother's new house! Especially here in Texas where is it 68 degrees, it's hard to get in the spirit!
SUV shopping
We are going to start shopping for a used SUV, less than 20K, probably 2003 to 2005 depending on model. Leaning towards Ford or GM models, mid size, but right now open to most anything.
Can any of you who own SUVs comment on what you own and what you like/dislike about it? TIA :)
Shopping around...
Hi Everyone...I am new to this board and would like some advice from experienced MT's out there! I have been working for a company for the past three years and things aren't quite panning out to my satifaction lately. I'm thinking of applying for other jobs with more benefits. Here's my question - What do you guys do when you aren't happy with your present employment? Do you list your current employer on your resume? Okay....What I'm getting at is this >>>>Will my present employer be contacted for a reference check, etc. should I be considered for another job?
Any help would be appreciated...Thanks!
Shopping for my home.
Need some bargains that end of summer brings.
school shopping w/my 14 YOD
I think I'd rather be working!!!  this is me at the mall w/her!!! Looking at the same pair of jeans for the 100th time, trying to decide if she likes them!!!
shopping at Wal-Mart
Our Wal-Mart Superstore is supposed to be ready by October and it is only 20 blocks from my house. It has been open for about five years and now they are turning it into a superstore. Im ready. I know some of my political friends ask how could I shop there as they dont have benefits for their employees, LOLOLOL, heck, my trans company does not provide me with any benefits either..so, sure I feel the employees pain but I need to provide for my family and that comes first..I cant wait till Wal-Mart Superstore opens, then I can do my grocery and department store shopping all at once while my car is being serviced in their automotive area.
Thanks! I do most of my Christmas shopping
Love the fact that I can work and shop at the same time! And it's all delivered to me!
on-line shopping
Just curious about on-line shopping. What are the best on-line stores to shop in -- any opinions? I'm talking clothes for teenagers, accessories, books, DVDs, etc.
Internet shopping
I have to rank in the top ten of Internet shoppers. I have bought more at Amazon.com than most people buy at Wal-Mart. My credit card company sends an end-of-year statement that looks like a booklet! I have never had any problems with Amazon.com. I've bought, books, DVDs, videos, appliances, toys, furniture, you name it. I've never had a shipping problem, and if I had to return anything there were no problems. The only things I haven't bought at Amazon is clothes and perishable items. I have bought clothing and things from Eddie Bauer with no problems.... And then there's all those specialty shops! Bath and Body Works has finally gone to internet shopping! Anyway, you get the idea. Happy clicking!
No shopping but me, but did you see the lady with the wig?
NM :)
DH went out shopping later in day and said it was dead.
z
secret shopping
Have you found any shops that will pay you more than $10.00 or less? I haven't!
My husband usually does the shopping
I do remember from several years back that local grocery stores would not allow their employees to accept tips because they were paid at least minimum wage already. This seemed unusual to me as I grew up in a military household, and on base (Eglin A.F.B.), the baggers there worked for tips only.
Shopping for new carpet but not sure
I have 4 animals so it would have to be durable. My budget does not allow for anything but carpet and the one I have has had it.
Can anyone suggest an attractive yet durable carpet? I also wonder about the glue and will there be fumes?
Thank you for your time.
One Word - SHOPPING!!!!!
An when the weather permits - beachin' it!  Luvin' that IC status, or take a PTO day just for sanity to rejuv and get in a new groove!  Spring is here! Have some friends over, let your hair down...  You'll be surprised how great you feel! JMO. 
My best friend and I are going Christmas shopping....
I'm getting as many gifts as I can put on layaway this weekend. I am determined to finish early this year so I can enjoy the holiday. After shopping, we are going to dinner and mabye a movie. 
I met him walking around downtown shopping..sm
basically on the "street corner" waiting for the light to change to walk across the street. He just started talking to me...and now we are hitched.
Who had fun shopping on "Black Friday"? - I did - sm
but I go without a "toy" agenda (did my toy shopping Monday and Tuesday so I had everything I wanted already), just go to get my kids and husband clothes mainly at great prices and to have fun with the kids--continuing the "tradition" that I had with my mom. Got myself a 1 GB Verbatin "Store 'n Go" since my zip disks are dying, $40 (reg. price $90), another great deal! I bought my DH 4 good dress shirts normally $136, for $62, can't beat that. Kohl's was packed so unfortunately did not get anything there like I would have liked to, the line was halfway to the back of the store but Sears and Penney's were fine, stood in line for 10 minutes tops, can live with that. Well off to do some work now......luckily not too tired to bang out 40 minutes or so. Have a good weekend! 
Shopping - yes, making gifts - no
I still have pictures to frame and pillows to finish sewing and stuffing.
Absolutely not. I took today off so I can get my shopping done.
It's also been 50 degrees here with no snow and no money, so I'm not in the mood for Christmas. We've all got viral respiratory infections. I had maybe three hours of sleep last night. I have no idea what anybody wants or needs. Time to go spend my stash of gift cards and coupons on people. Next year, I'm going to do it right. Are you sorry you asked? ;D
Just found out they are here local! Going shopping nt
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I ment to say gift shopping. nm
Maybe you can contact the shopping channel. nm
nm
what is a "hacker-free" shopping site? nm
nm
a shopping site free of hackers maybe?
Okay shopping for a house and I found new construction.
The name of the street is Wild Turkey Walk. I refuse to buy a house on Wild Turkey Walk. Another street is Squirrel Run. How does a person come up with these names? I want the job of naming streets in new subdivisions. Has anyone been shopping for houses, new or old, and refused to live on a silly named street?
I agree - no shopping for me on BF. I will go next week or 2 or on line. nm
x
I did secret shopping......made some money but it
nm
Shopping tomorrow! Crest Whitestrips??
Any info? Do they work? I tried the Wal-Mart brand, no luck. Thinking of making an INVESTMENT IN MY SMILE! That sounds sooo exciting. Oh and what about that new enamel building toothpaste?
OOPS - meant 15 minutes FROM shopping.
nm
shopping, beachin' it?? who can afford to do those on our salaries, LOL!! nm
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