bunky asked:


home loan for self employment with fair to good credit

home loan

Life C asked:


I - unfortunately - got an ARM LOAN (5 and 1) nearly 5 years ago. Now it is coming due. Also, unfortunately, I went on permanent disability about 3 years ago, so my last 2 income tax returns show VERY LITTLE in the way of income. Last January, I started an online business, so I do now make extra income, but I don’t think this is going to help me. Any thoughts? ALSO, are there any mortgage places you might recommend? Thank you!
To fill in the blanks, I have excellent credit (and never missed or was late on a single mortgage pymt in 12 years). I also have at least 200K in equity. BUT this seems to make NO DIFFERENCE to the few mortgage companies I spoke to. They were like, if you can’t show us real income, we can’t approve you. I did have income - from the disability and one other thing - but it came to maybe $28K (then I took a whole bunch of deductions, obviously to keep what I owed to the IRS down) and so that brought what was already a small income down to next to nothing. They don’t give a fig about my online business as it has just been the last year.

refinance online

nballs asked:


I have been tax sherltered with self employment and depriciation. So I don’t show much income(below poverty level) I am starting a new position which is salaried as an employee. Do I have to wait 2 years or could I use the income from the multi unit building to get financing? I have big dreams and just need a helping hand with getting them started. Thanks in advance for anyone who contributes.

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Leslie JL asked:


Over the last few days I have gotten over 40 calls from different companies who ask for me by name and they all say that I filled out a form online for more information regarding their company. I have gotten calls to refinance my car, morgage a new home, go to college in Colorado, debt management.. they dont stop. None of them can tell me where I signed up on the internet to receive information. They also have told me they have my e-mail address and give me one that used almost 8 to 10 years ago. Any advice? Anyone else getting this?
I am also on the Do Not Call list.

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mcdl asked:


Is it before you send a contract offer to the seller or when a seller approves the purchaser’s offer?

home loan

Me asked:


We just got a pre-approval from 2 online mortgage brokers. A Realtor we just spoke to had us apply for a mortgage through a bank. She said that the online mortgage broker wouldn’t have even checked our credit score. (One of them took our credit info and only then approved us)

So, if we are approved by the mortgage broker for a loan, is it real? Or is it just them trying to get our business, and then we may still get denied? I’m really nervous about all this.

Thanks.

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Question Queen on Royal Throne! asked:


I have a college degree BA in Spanish, but still not fluent since they taught more ANCIENT literature than grammar conversation. I graduated in Aug. 2006 haven’t had much opportunity to study my Spanish or start on any new languages because of many crises in my life. I haven’t been employed since graduation, either. Been DYING for work, but I can only do jobs that won’t exceed my mental limitations give me an anxiety attack, then I get fired. That almost happened to me before graduation, when I was doing a federal work-study job through the school’s financial aid. My supervisor threatened to fire me, but luckily he didn’t. Before that, I worked a temp service job for 1 day, I have trouble standing on my feet for over 20 min., I had to struggle for 8 hrs. That wasn’t the reason why the woman fired me. She fired me because she overheard someone ask me why I twitch my face so much, I told her I have Tourette’s, the supervisor overheard it misunderstood what I said tried to accuse me of saying I have seizures, which I didn’t say. they told me they had to fire me because they couldn’t have anyone like that working for them.

Between Aug. 2006-April 2007, I tried to go to translation school @ New York University School of Continuing Professional Studies. Before I knew it, these people had me paying them $125/week to stay with them. They didn’t care about my SSI Social Security check coming late, they threw me out cold turkey. So, they put me in a mental health shelter gave me a false diagnosis had me go to these stupid, elementary school-like day programs that I KNOW I was too advanced for. they had me on the wrong meds, they wouldn’t let me work nor go to school.

Back in 2005 I went through Hurricane Katrina, but that was before graduation, but that experience the aftermath affected my grades. I could’ve graduated with a higher GPA earlier.

I suffer OCD, anxiety, depression, Tourette’s, I had 2 strokes @ age 5. In New York, they tried to say I was Bipolar put me on Depakote FORCED me against my will to take it under staff supervision, I got up to 304 lbs. @ the most.

I feel like the symptoms of my disorders the way people discriminate against treat me, is what caused a hold-back in my life. My depression OCD have been getting worse worse, the meds don’t help. I stay @ home try to study my Spanish independently, but I can’t because I’m always distracted by the unwanted, intrusive thoughts.

I feel like my desired career as a multilingual translator is gone because of me feeling behind. I have to start my Spanish from scratch. But I can’t concentrate or focus clearly.

I’m still single with no kids, my credit score probably is the lowest of the low, my student loan other debts are rocket high. I get anxiety attacks every day because I feel like all my daily tasks can’t be completed, even though I’m not working. I’m talking about tasks, like handling phone business calls or internet business e-mails, searching for jobs online or in person, cleaning up around the house, etc. I feel stuck in a ditch can’t get out.

What’s strange is, I may have a degree, but I don’t have many skills or much work experience, employers refuse to hire me because they think I’m retarded because of my obvious, uncontrollable anxiety that I can’t hide. I always have fear of failing the interview or being negatively judged.

online home loan

Kristin D asked:


Also, what all is out there for first time homebuyers with children?

home loan

XRT asked:


I can’t find the proper info online, or maybe I just don’t understand it. With the rates going down I’m going to refinance but I’m told I could get my MIP premium back form HUD. I’m not sure how the process works and If I would quailfy to get it back. Please help me figure this out(laymens term please)

refinance online

joshua asked:


Hi there. I am in Newport News VA, and I am looking to suppliment my income as an ops manager on my days off with some day labor. I called the agencies and they say that pay starts at 7 per hour. Yeah right. Anyway, I have looked everywhere I can think of: Craigslist, carreer builder, newspapers, online classifieds, and friends. No one seems to know where I can go to work for the day, and be paid decently for my time and hard work. Do people still hang out in front of home depot and get contractors to hire them for the day? I guess I could do that. Any help anyone can offer is greatly appreciated. I want to buy a motorcycle, and I would really rather not be paying high interest on a loan, or waiting 5 months starving myself to get the money I need. Thanks again.
Oh yeah. BTW. All you home based internet get rich from your reclining chair in your living room pushing people should all die a horrible death. Dont bother posting on my question. Did it SEEM in the description that I was an idiot? Geez. The question is up for 3 seconds and I already have spam on it. Great.

online home loan