susieq asked:


My problem is that we have a contract on our house, the person who offered on the house has submitted all the necessary paperwork to their mortgage company, and has received her commitment letter back from them; however, a closing date has yet to be set. My realtor tells me that the ladys application is through with the underwriting, the commitment letter from the bank was received last week and we are just waiting on the mortgage company to get all of the numbers together and email that info to the title company. We have been waiting a week today, why can no one give us a closing day? How long should this take? We feel like something is wrong but no one will tell us? Any opinions?

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Matt M asked:


Does it make any difference if I was to use somebody local where I live, such as Bank of America or HNB Mortgage as opposed to firsttimehomebuyers.net, quicken loans, or ditech.com?

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LB asked:


I’m 23, and I’ve been completely on my own since I was 19. My mother helped me purchase a town-home when I was 19 (because God forbid I rent she thought). It’s 700 sq-ft 1bd/1bath, I have been here (feeling stuck here) for 4+ years now. I desperately want to move. For years now I have asked my family for help to move because 1) I am very unhappy living alone, it’s depressing, quiet, and it’s a very small place with original 70’s interior (I do not have money to upgrade anything) 2) It’s very expensive having everything in my name and paying everything in full myself, I have no choice but to work full-time at dead end jobs to support my living expenses

3) I have never really felt safe here, some of my neighbors are creeps, and it’s a lower level, and I’m a single female
4) I feel like I never had the real college experience, I don’t live close to my local university at all

I want OUT. I’ve had it. I can’t sell it now because the market is so horrible, and if I do, my 4+ years of holding onto it (had hopes of some profit) will be forfeited. I’m miserable in this place. I’ve contacted a few property managers and as soon as I choose one, they’re going to get the ball rolling in possibly renting it out. Everything costs something though. There’s fee’s for everything! I feel like I’m just digging myself deeper and deeper into a hole of debt. AND I’m almost certain the majority of the town-home’s appliances will have to be replaced because they do not work properly. (per property management company stated) And I don’t have the money for that, or much of anything.

My family does not care! My mother hasn’t even worked in the past 3 years now. She finds men to take care of her instead. When I try to talk to her about my situation….of my expenses, and going back to college, and what not, she tells me to move in with my ON again OFF again boyfriend and let him pay my bills for me.

Now I love my b/f /ex b/f BUT he will NOT let me move in with him. (he doesn’t care about me/hell he uses me most of the time it seems, and he knows of my financial burdens) I told my mother this…hoping she would give me better advice/solution. And she said well, go online and advertise for a guy to take care of you financially instead then.

I’m shocked. Is that what I have to resort to? I think that’s somewhat of a dangerous thing to do, not to mention kind of degrading?

What am I supposed to do? Take out more and more loans or max out my credit cards???……..all so I can pay for my $10k tuition loan I pay for monthly that I have, my 12k auto loan I already have pay monthly, $1500 in appliances I need, $500 in start-up fee’s for property manager.

And that doesn’t include another $1k in credit cards that I pay monthly, OR anymore college tuition…..that if I want to go next semester I will have to cough up another grand to attend (assuming fin. aid goes through, if not it will be more then a grand) my local community college.

What should I do? :(

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jason_heffel asked:


Hey all,

I have a two part question.

First, are there any websites available that let you track home mortgage rates daily or even hourly. I can’t find one.

Secondly, I know this is the million dollar question, but should I look to lock a rate very soon for a home we are starting to build in the next couple weeks? Or should we wait, or realtor said wait because election years they usually drop.

Any advice on either question would be greatly appreciated!

Thanks,

Jason

home mortgage

Cugador asked:


I’m a single guy in my mid 20’s, and I’m FINALLY moving out of my parents’ house soon, and buying a 3BR townhouse by myself. I already got the loan and everything and should be closing any day now. The place needs a lot of repairs, plus I don’t have any furniture/home furnishings, so I’m gonna have to buy all that.

Even though the bank and the online calculators say I should be OK, I was just wondering what other people think. Would I be able to live alone COMFORTABLY and not have to pinch my pennies?

Here’s my financial situation:
My monthly pay is about $5100 gross/$3500 net (although my job security is a little shaky right now)

My mortgage+tax+insurance+HOA fees will be about $1250/month
I have a $370/month car lease payment
I have a student loan payment of $93/month (although I’ve always payed triple that to pay it off quicker)
I always pay my credit card off in full at the end of the month.
I have no idea what other bills/expenses are gonna be like.
I should have about $45k in cash left over after closing.

I never had to worry about what I spend on because it was always less than my income, and now I’m not sure.

Any opinions?

BTW, I live near Philly.

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what’s the point asked:


I work for a non profit agency the runs homeless shelters around southern california and my specific job is covered by a grant from the VA. I’ve been with the agency for 4 years and have no intention on leaving.
Will the bank look at me as a risk because of this?

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mandy asked:


Can I write off the mortgage interest and the property taxes paid for my second property which is a rental property for tax benifits.
Both the properties are located in california.
I also own an investment property outside california. Can I also write off the interest payment for that property.

home mortgage

AC asked:


I am looking to rent a room in a house, and would like to know about the owner’s mortgage payment history, liens, foreclosure risk, etc.—anything that could affect my tenancy.

Zillow.com is a good start, but it doesn’t list that type of info.

Thanks!

mortgage online

jodi asked:


My mom is concerned that if the home my brother lives in forecloses she will lose her own home. The bank sees it as a investment property.
she has tried to sell the home, and tried to make the payments herself, she couldn’t keep up, the home is worth alot less then what the loan is for. her credit is a mess now.

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shadowsthathunt asked:


Hi Everyone, I picked up antivirus 2009 through a fake email sent by Sally May. If you have loans through Sally May please be careful in opening your email.

I have spoken to a tech. support agent at my school (I am an online student) and it was recomended that I download the program malwarebytes. Acording to his directions, I needed to run adaware first, then the malwarebytes program to remove this virus from my computer.

Unfortunatlly my home computer does not alow me to search online for the proper way to remove this program. The virus itself sends me to blank pages when I search. I know that one of the infections is a Vundo infection followed by several trojans.

From work, I have attempted to find possible remedies for this infection but have come up empty handed and my school tech. support has no other suggestions.

If you have had this problem or know the proper way to remove this virus I would really apreciate your help (especially with my limited search abilities on my home comp… and I can not risk getting fired for doing personal business).

Thank you thank you thank you! My education/grade in this class is dependant on the removal of this virus.

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