Pension credit and renting my home?

Pension credit and renting my home?
Added (1). My parents live in there home and are thinking of moving into my house as its a large house. They own there home outright, currently they are claiming pension credit and normal pension. My question is if they rent out there own home and come to live with me would they need to declare the rental income to hmrc as they would be contributing some of the rent towards my mortgage. They only own 1 property which they live in.

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Is my husband telling me through his actions he does not trust me?

Since my husband does not have a key to our mail box I am the designated person who picks up our mail at the community mail box (a free-standing metal box in that holds everyone's respective mailboxes). My husband asked me today if I had seen his paycheck when I picked up the mail last week. That's when I remembered that I thought I did see that familiar check when I picked up the mail last week, but not sure exactly which day it was. I told him this but since it was nowhere to be found, and I was not sure where it went, we were just trying to figure out where it was or if I really did see it. The paycheck was to pay our monthly mortgage. So, we looked around the possible places around the house, he checked the trash outside in case it got thrown away by accident with the junk mail. We both agreed that he could request the co. To put a stop payment and re-issue him another check. Later, he came next to me by my office desk and asked me to get up so he can check my cluttered desk. Does this action mean he does not trust me?

Read more: Is my husband telling me through his actions he does not trust me?

Can I use a Flex Spending Account to pay for my child who attends my wife's in-home daycare?

My wife started an in-home day care business, and our child, is one of the four children who attends. I was wondering if her business can bill me and I use my Flex Spending account to pay for the tuition. This way, I could avoid paying income taxes on that money used through the FS account. She then, through normal business write-offs, could lower the income tax she would have to pay and ultimately save us some money. Is this legal? We are both very new to running a business so any advice on this would be greatly appreciated.

Thanks in advance!

Read more: Can I use a Flex Spending Account to pay for my child who attends my wife's in-home daycare?

Can I get the seller to pay their portion of property taxes after closing on home in Florida?

I purchased a home 3/4th the way through the year and the seller and I agreed to pay the prorated difference of the property tax bill estimate. The tax bill has come and the seller underpaid by approximately $1340. The title company had me sign a paper at closing in the pile of papers that after reading through stares both parties gave accepted such proration as final determination of liability for taxes between parties… Do I have any recourse? I ve emailed the mortgage officer and title company and am awaiting a response. They accounted that the seller had a homestead exemption, but he did not.

Read more: Can I get the seller to pay their portion of property taxes after closing on home in Florida?

What exactly is a short sale?

How do you get a bank to agree to one? Is it more likely to get that than a Deed In Lieu of Foreclosure, for instance?

Do you end up owing any money if it doesn't sell for what is left on the loan?

I guess I don't understand why so many banks are reluctant to do a DIL, but seem more willing (at least, from what I've read) to do a short sale.

If a person's hours aren't producing enough money and they're struggling with payments, will the bank do a DIL? If so, how long do you have to get out?
Added (1). What are the chances of Chase mortgage issuing a deficiency balance waiver in either a DIL or short sale?

Read more: What exactly is a short sale?

Is being a sole breadwinner for a household a thankless job?

Everyone says being a stay at home mom is thankless. Well, do these men who go to work every day to provide for their family receive more thanks?

Does anyone say, thanks for the electricity, the mortgaged house and car, thanks for commuting to 40 years of answering to your boss to pay for everything we need and make sure the kids are sent off to university. Thanks for sacrificing most of your time away from everything and everything that you work for in the first place.

Just wondering… Isn't being a sole breadwinning father kind of thankless too?
Added (1). ***everyone and everything

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What do you do when a house isn't worth what is owed?

30-year refinance loan. A little over 10 years into the loan. The neighborhood has gone downhill considerably and we haven't had the finances to get to a better area. A little under 50K is remaining on the balance, not including interest. Original loan was about 60K. Payments are 500/month. 7 percent interest rate.

Owner (family member, not my loan) filed Chapter 7 bankruptcy last year, but it couldn't be included because it is a secured loan. They're working, but not skilled enough to make a lot of money. I don't mind helping them financially, but the house isn't worth putting money into unless it is an investor with workers and enough money to get it to where it needs to be.

House isn't properly insulated, pipes are old, wiring is old, lots of stuff not up to code, etc. A house up the street of similar size sold for like 32K. Someone bought the house across the street, remodeled it and sold it for about 130K. Property values around the area range from 40K to up to 100K and everywhere in between. Front and back yard combined are probably just under half of an acre. 1950's house. The repairs are upkeep simply aren't worth it anymore, even though the mortgage may sound "low" at 500/month.
Added (1). Basically my question is… How can I get them out of this old house? I gladly help with finances, will help them rent a newer home, etc. I'm just not wasting money on this old one.

Would it be possible to get a deed in lieu of foreclosure?

Are there any other options if they refuse that, apart from just walking out and leaving the house? The main concern is that just leaving the house in a neighborhood like this is asking for trouble.
Added (2). A house next door to us wasn't rented out for a while. Some homeless guy broke the back window and went in. Apparently he had a mattress and was living in the attic or something like that. Someone else stole the central air conditioning unit. Leaving it would basically invite someone to break in within a short time and destroy the inside. We don't have an alarm system.
Added (3). Redesigning/remodeling is not an option. They don't have the money to do all of that. We've done basic stuff like painting, etc.

Read more: What do you do when a house isn't worth what is owed?

How much money per week would a person have to earn to live the high life?

This person has no mortgage, no bills and no children.

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I can't seem to get my math right for this adjusting entry accounting problem?

First Part to Math Problem: June 16: Byte purchased a building and the land it is on for $119,000, to house its repair facilities and to store computer equipment. The lot on which the building is located is valued at $19,000. The balance of the cost is to be allocated to the building. Byte made a cash down payment of $11,900 and executed a mortgage for the balance. The mortgage is payable in eight equal annual installments beginning July 1.

Second Part to Math Problem: The annual interest rate on the mortgage payable was 8.75 percent. Interest expense for one-half month should be computed because the building and land were purchased and the liability incurred on June 16.

(FYI: Must round to two decimal places.)

Read more: I can't seem to get my math right for this adjusting entry accounting problem?

Why is my husband making such a big deal about money?

I make $7/hr more than him and get bonuses, everytime we go out he never lets me pay or at least let us take turns. I have never made it an issue about what he makes or what I make. I was even willing to combine our income to 1 so we can both just pay our bills no matter what it is. He has never asked me for money. Everything we do he pays his part even for half of my mortgage and the utility bills. He says he is uncomfortable combining income since he doesn't make nearly as much as me. We are married now I don't care about what's his and what's mine. Has anyone had his issue?

Read more: Why is my husband making such a big deal about money?

How did the bursting of the housing bubble directly lead to foreclosures?

I understand the fact that declining house prices often leads to foreclosure, as it creates a situation in which owed loans are more significant relative to the price of a house.

What I don't understand--and the crux of my question--is how a bursting house bubble gives rise to somewhat immediate foreclosure when:

1. Installments on the house remain the same in price and due date.
2. The salary of the homeowner has not been affected.

Wherein lies the problem if only home VALUE is altered and not AMOUNT OWED per agreement?

**Hoping for answer in basic terms

Read more: How did the bursting of the housing bubble directly lead to foreclosures?

I m 18 and am a victim of credit fraud?

I was getting my first credit card today to build my credit up for an apartment. I few hours later I was called by my bank (wells fargo) and was told I was declined. They said I had terrible credit which I didn t understand because I ve never had any credit in the past. I ve never had anything in my name, so I ran a credit report through annualcredit.com. It come out that somebody put a mortgage loan in my name back in 2013 (I was only 16). It also showed that a few other credit cards were put in my name. This is still too shocking for me to comprehend. Where do I go from here? Should I hire an attorney? And also I am certain that my parents or any relatives wouldn t have done this to me.

Read more: I m 18 and am a victim of credit fraud?

Financing Advise for Land/Home purchase?

My dream is to buy/live on 1-2 Acres of land and graduatly build new stuff on it (House, Pool, Nice backyard for dogs and horses). Its not in my budget to build a house. My ideal plan is too buy a mobile home (New) and in 10-12 years build an actual house on the land. My question is what would be the best way to get a ~$105,000 Loan to purchase land and put/build a mobile home on it? Can I get a mortgage? I really need the loan to be 30+ years since I only make about $30,000/Year. Also my credit score is ~760 and I'm 25 years old if it matters.

Read more: Financing Advise for Land/Home purchase?

Does every bill you in your name affect your credit monthly, or whenever the report is sent in?

Does every bill you in your name affect your credit monthly, or whenever the report is sent in?
Added (1). Does every bill you in your name affect your credit monthly, or whenever the report is sent in? Or is it just bigger items such as cars, credit cards, etc?

Read more: Does every bill you in your name affect your credit monthly, or whenever the report is sent in?

I need advise on buying a house and what to do. I went to a loan officer April 2015?

. I had applied for a fha loan, I currently have 650 credit and make 17.31 an hour and usually 150-160 hrs a month. In March 2016 I get a raise to 18.65. By February 2016 I will have saved 7-8 k for a down payment and closing etc. I want to buy a house that's 100k in either Victorville down to riverside across to Chino.hopefully by riverside there is one. I want to buy a house in 2016 February. I want a fixer upper. Minimum 1br 1 bath, and I can do the insulation drywall paint etc. Just no electrical or roofing. I have a family of 3 and want a house instead of renting an apartment. Where can I look for houses that are on the market currently to see if it's worth the money?

Read more: I need advise on buying a house and what to do. I went to a loan officer April 2015?

Why do some smart high school students want to do research?

Note: I am talking about NON-AMERICAN countries where you can major in Medicine, Law, etc as an UNDERGRADUATE)

Some high school students who got extremely good grades in their finals (i.e. Good enough for Medicine in non-American countries) decide to major in stuff such as Linguistics, Physics, Anthropology, etc. In the hope of doing research in the future. Why would they pick that?
-If you don't have anything published, your funding will be cut and you will have no income
-There is no guarantee that you will like research and most people hate if over time
-Jobs are meant to be monotonous, not fun
-They can easily major in Medicine, Law, Actuarial Science, Dentistry science, etc and switch to research later on or do a Master's degree in their area of interest
-The market for researchers is very bad at the moment - it is 100+ people competing for a tenured professorship post and it will not be you getting that job
-Being an adjunct professor sucks as all the contracts are short-termed
-It is hard to even secure a mortgage with such unstable employment
-If you can't find any professorship job, it is hard to find anyone else to hire you as they know that you will go back to academia as soon as you find another professorship job, so chances are you will either end up unemployed or working at McDonalds during this time

Read more: Why do some smart high school students want to do research?

How much does a mortgage payoff amount generally vary from the loan amount?

Just curious. Say that a refinance loan was taken out about 10 years ago on a house.

The original loan was $60,000 for 30 years. Now roughly 10 years later, the amount owed is $46,000. The interest rate is 7 percent.

There is a note that says "the amount shown is your principal balance only without interest" or something like that. Yet in another area, it says that the amount for a requested payoff amount may be lower than the amount stated.

Say that you wanted to sell the house. How would you go about figuring out what the actual payoff amount would be? There is a phone number on the mortgage statement that says you can call the number for a payoff amount. However, it is a recording that also wants a "closing date".

Any ideas/advice?

Read more: How much does a mortgage payoff amount generally vary from the loan amount?

Can I obtain mortgage life insurance being HIV positive?

Can I obtain mortgage life insurance being HIV positive?

Read more: Can I obtain mortgage life insurance being HIV positive?

I just bought a house 1 week ago… I'm HIV positive… Does anybody know any insurance company?

I just bought a house 1 week ago… I'm HIV positive… Does anybody know any insurance company?
Added (1). Can I obtain mortgage life insurance being HIV positive?

Read more: I just bought a house 1 week ago… I'm HIV positive… Does anybody know any insurance company?

What is the process for selling a house as-is, exactly?

A 2 bedroom, 1 bath brick house is in my mother's name. She's a widow. The house has a refinance from 2003 or 2004 through Chase home mortgage. She did that to pay off the mounting credit card debt that had been acquired over the years after losing her husband, who left nothing to his name and a whole lot of bills. She seems to have realized that refinancing was a big mistake (the house was nearly paid for in 2003/2004), but can't take that back now.

She has been paying it down, but there is still something like $45,000 left on the refinance. I have tried to help as much as I can, fixed stuff around the house, etc. Honestly… Its an old house. Built in 1950. Old wiring, old pipes, fiberboard on the attic floor is breaking up all over the place and a bit dangerous, insulation has pretty much all fallen off from the inside of the attic and/or is non-existent. The previous people that my parents bought the house from in 1979 did a lot of work themselves, and it was typically shoddy. I wasn't even born yet, and the inspector must have been a complete idiot to have missed the stuff that he did.

Dirt crawlspace basement with a bricked-off area that is about 15 feet long x 3.5 feet wide and about the same high. The former owners dug that out because the FHA back then told them that the water heater (it was in the kitchen and vented through the roof) couldn't be in the kitchen due to code violations.
Added (1). They dug out an area in the basement, cinderblocked it off with a retaining wall and put the hot water heater at one end and an illegal sump at the other. Literally just dug a dirt hole. No yard drain or anything was installed. It is a freaking mess, honestly. If it rains for 2-3 days, water comes from the various points in the bricks and drains to the sump area. None of that was installed properly.

I want to see her get away from this house and sell it as-is.
Added (2). I'm planning to ask her to get a payoff amount from the mortgage company, as the $45K owed factors in a ton of interest over probably the next 20 years or so since she has only had the loan for around 10 years.

What is the process for selling a house as-is to someone with the ability to hire the know-how to fix all of this stuff, bring it up to code, etc., and re-sell? Also, what are the odds of finding someone who will pay enough to sell the house?
Added (3). I should also note that she filed Chapter 7 last year due to overwhelming debt. She's not really in a position to get some fancy job that will pay a lot of money and struggles with certain personal things. In essence, she's barely making it.

I am her only remaining son that has stuck around to help her. I'm single and pretty much not taking on any big obligations in the near future. I want to move to a better area, too. The neighborhood went downhill. We want to sell and rent a house elsewhere.

Read more: What is the process for selling a house as-is, exactly?

60k salary 400k house? Can I afford this? And opinions on diffrent ideas please?

So I will make 60k a year, and have 50k savings. I live at my parents house. I was thinking to buy this house that costs 400k, and rent it out to pay the mortgage while I stay at my parents house. I have absolutley no finacial needs besides maybe 200 a month expenses. Should I move into this house when I buy it? Or rent it for a while to save up all of my income and rent money? I want to buy a house over 350k. I could also possible save for a few more years and give a bigger down payment? I was also thinking about buying a duplex and renting both sides out. Or living in 1 side. How do I buy a house? My income will most probably also increase to 80k a year after a couple years. Please help me figure out the best plan to make a good investment. My goal is to eventually own as many things as possible. I am 22 years old. I also have no credit.

Read more: 60k salary 400k house? Can I afford this? And opinions on diffrent ideas please?

How does fha loans impact the community?

How does fha loans impact the community?

Read more: How does fha loans impact the community?

Can I write mortgage loans on the side while being an Account Executive and a Lender?

I am an Account Executive at a wholesale lender. I am registered with the NMLS to write mortgages, I just need to get licensed in my state. I would not use the lender that I work for. Would it be legal to write loans on the side as an account executive as my full time job?

Read more: Can I write mortgage loans on the side while being an Account Executive and a Lender?

When your mortgage term is up (not amortization), can you pay off the balance?

When your mortgage term is up (not amortization), can you pay off the balance? - 1

Read more: When your mortgage term is up (not amortization), can you pay off the balance?

How long would it take me to pay off this mortgage [description]?

How long would it take me to pay off this mortgage [description]?
Added (1). I live with my parents so I have no expenses.

I want to but a house for 100,000 with 25,000 down. I make 2300 per month and could rent the place for 700 + utilities

I would like to apply as much as possible towards the mortgage. Assuming monthly payments and a 3% interest rate, how long would it take to pay off the mortgage?

Read more: How long would it take me to pay off this mortgage [description]?

Danger of giving out SSN and file of tax return to a strange mortgage agents?

I gave my ID, SSN, tax return to a mortgage agent from Omni Fund in order to apply for a mortgage loan. I newly know him. Is it terrible? Is there anyway i could defend myself if he would sell it to ID thief. Please don't judge me badly, I feel it enough myself. If you help me with an advice, i'm appreciate.

Read more: Danger of giving out SSN and file of tax return to a strange mortgage agents?

Should we take this person to court?

My parents stopped paying the Mortgage for our home about 5-6 years ago and ever since they've tried to do a modification to reduce the Mortgage.

They had started working with some lady to assist them in doing the modification. My parents have paid her $5000 in total so far. We have provided her with all the information that she has requested including our pay stubs, bank statements, etc. We recently received a letter from the bank that we are in danger of losing the house and could be up for sale in Jan. 5th if we don't respond.

We called the bank with someone else and the bank stated that they have not received anything from us (or the lady that we had working for us) in the last 6 months. Long story short, we went and confronted her to see if we can get our papers back and $2000 that was given to her in the last 6 months because we no longer trust her or want to continue working with her on this case.

Should we take her to court? Or any advise on how we should handle this in terms of getting our money back from this person.

Thanks in advance.

Read more: Should we take this person to court?

Changing deed name on property if mortgage isn't paid off?

If I have not paid off my mortgage and I change the property title to my son name will the lenders (bank) do anything? For instance say I'm in breach of contract, take away the loan, and force us to sell or find another invester to pay them back immediately?

We will still be paying the mortgage but just a different name on the tittle.

I assume they would care as long as the mortgage is getting paid on time. But would they have the right to?

Read more: Changing deed name on property if mortgage isn't paid off?

Which agency can I work with if I want to become a mortgage adviser?

Which agency can I work with if I want to become a mortgage adviser? - 1

Read more: Which agency can I work with if I want to become a mortgage adviser?

Where can I do/get a certificate in mortgage and practice?

Where can I do/get a certificate in mortgage and practice?

Read more: Where can I do/get a certificate in mortgage and practice?

Whats the pay of a mortgage adviser like per month?

Whats the pay of a mortgage adviser like per month?

Read more: Whats the pay of a mortgage adviser like per month?

What kind of retirement account allows for real estate investments?

I checked ROTH IRA but that does not seem to allow for real estate investments. My goal is to put money in a retirement account and then withdraw to buy land and real estate with it. Any suggestions?

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Should i quit my job and focus on college?

hello guys at this moment my first semester of college is about to end in a couple of weeks. I am a full time college student at a community college but my grades have been falling because of work, i pay 500 dollars per semester for all of my classes, because the gov helps me.
i work at a resort fine dinning restaurant as a busboy and make decent mone for my age (15/hour) but they have me working 4-6 days a week and i can barely find time to study and do homework and time for my girlfriend. This is my first job. I started in may once i got out of highschool and i loveed my job but it has become stressful because we are understaff and other restaurants of the resort are under renovation so we look like mcdonalds on their busy days.
money is not an issue because my parents live 20 minutes from the college and i have a civic so gas i like 20 dollars a week. Plus i dont pay for mortgage or any type of car payment. Just my cellphone bill which is 60 a month

any advice? Should i get 3 classes next semeter and get one during summer and stay with this job? Or find another job with less hours. My best friend can get me a job for a 12/hour pick my own schedule type of job. At a chocolate factory near me.

Read more: Should i quit my job and focus on college?

Should I apply for an FHA loan?

Should I apply for an FHA loan?

Read more: Should I apply for an FHA loan?

Drop everything and leave for paradise or continue to build the life I've started?

I am a 26 year old college graduate, BS electrical engineering, living in a city which has horrible weather and the sun comes out a month a year, with pitiful sports teams and a night on the town includes a dive bar and Denny's. I am originally from the Bay Area in California and currently still have family residing there. While on a visit to the Bay Area it struck me that this is paradise and still has the feeling of home. I still try to visit a few times a year and see my family and old friends. I have stated my career and am building a solid foundation in my current city but because of my career choice I have the option to transfer easily. I have a fiancé and a Mortgage back home but a free place to stay with family in the Bay Area.

Would like any input on my choices. 1. Stay where I live and continue to build a life and family. Keep working hard at what I do and keep my California trips to strictly visits.

2. Drop everything in my current city and move in with family in the Bay Area and start over. My fiancé is not willing to move and I would sell the house and what belongings I had.

Read more: Drop everything and leave for paradise or continue to build the life I've started?

Just when does the HARP program for lowest rates expire? Read on?

I went to my bank because I want to refinance my Mortgage through HARP. The Home Mortgage consultant / specialist told me I was eligible in which I already knew. But she told me to call back in a week or two as there is a glitch in the system or something to that matter with HARP. First off I couldn t understand why it would take up to 2 weeks the clear up system problems. Then I brought up the fact that The end od Dec. Is the deadline to refinance thru HARP at the 2.7 rate and I ve heard process takes about a month. And. She insisted that I had into 2016 and plenty of time.
Can someone set me straight please?
Is she planning to put me off a bit to shoot for a higher rate?
Does she know something all of the Ads and websites do not?
Should I go to another bank?

Read more: Just when does the HARP program for lowest rates expire? Read on?

Reasons to charge our tenant more than a third of rent and utilities?

My friend and I just purchased a home together. Went through a lot of pain getting the loan and everything else in order. A third friend is also living in the house with us but he is only renting, not purchasing the house with us. Now that we are settled in and ready to start living theres the question of what he is going to pay for rent. He thinks that it is fair that he pays an even split of what we are paying for the mortgage which is ridiculous because no landlord would ever have his tenants pay only what the mortgage on the house is. I can think of a ton of reasons but im sure there are more and obvious ones i don t know, cant think of. Can someone with experience this elaborate on why he should be paying more and maybe even a general idea of how much more he should be paying?

Read more: Reasons to charge our tenant more than a third of rent and utilities?

Can I buy a house with a rural development loan before divorce is final?

I am buying a house and now I have to explain to the underwriter why I am still married after being separated for about 3 years ( Michigan doesn t have legal separation laws). I just started the paperwork for divorce, so I at least have to wait 6 months before it is final, but I was wondering if it s still possible to NOT include him in the buying process even though we are still married. I would wait the six months to start buying, but I ve already begun the process, found the perfect house, and will have to pay out of pocket for inspection fees.

Read more: Can I buy a house with a rural development loan before divorce is final?

Los Angeles as any other place in county or elsewhere as the first purchase with FHA loan a house?

Los Angeles as any other place in county or elsewhere as the first purchase with FHA loan a house?

Read more: Los Angeles as any other place in county or elsewhere as the first purchase with FHA loan a house?

Will this cause issue in buying a new home?

When I divorced 6 years ago, I signed a quit claim deed to the house my ex-wife and I owned giving her all ownership. She still lives in it and makes the payments. I am now wanting to buy a house of my own after years of renting but just found that my name is still on the mortgage because my ex never refinanced it out of my name. We had no stipulation for her to do so. I have no rights to the house b/c I signed the quit claim deed but am still financially responsible for the mortgage if she ever defaulted. Will this cause any issue for buying a new home?

Read more: Will this cause issue in buying a new home?

Is it normal for your mortgage payment to increase every year?

I understand property taxes and home owners insurance prices fluctuate. But my payments have increased drastically. The first year my payments were about $1012. The second year, it went up to $1230. This year (3rd year) I got a letter in the mail recently that my escrow will be in deficiency, and I need to pay $990 or have that amount divided into my monthly payments, causing the mortgage to go up again.

Where is the money going? My insurance only went up by $17. I checked the property tax statements, there was no increase this year. I have paid all mortgage payments on time.

Read more: Is it normal for your mortgage payment to increase every year?

Buying on margin for longterm dividend intesting?

Buying on margin for longterm dividend intesting?
Added (1). When buying a house one of the benefits is buying with leverage. Why not buy on margin with a stock I hold YYY which yields 10% and can collect the extra dividends to cover the loan? I don't care about the stock price, I'm just interested in using leverage like buying a rental property to help pay off the mortgage then owning it when it's paid off.

Read more: Buying on margin for longterm dividend intesting?

What if I'm paying someone's mortgage and didn't know about it?

I've lived (rented) in a house with 3 other girls for a few months now for $600 (plus utilities) a month. But I'm starting to think I'm paying for more than just my stay. They told me rent for my stay was $400 and no more and that utilities should be no more than $80 for each of us. Obviously something has gone wrong here. I just don't think it's suppose to cost $120 more than they told me it would. And I don't think utilities would sky rocket this much, I mean one of our roommates stays with her boyfriend EVERY night. So is there anyway that I am paying for more than what they told me I would? Maybe their mortgage or giving them some profit that they didn't tell me about? And if they are making me pay them a profit or their mortgage, shouldn't they disclose that to me? Plus, my parents total for their home is $2200 a month including everything. And for us it's $1800 including everything and my parents house cost MUCH more then the one I live in now?

Read more: What if I'm paying someone's mortgage and didn't know about it?

How to write a continuous mortgage calculator for over 24 months in c programming?

I m using virtual studio 2012 I need help writing this program

Read more: How to write a continuous mortgage calculator for over 24 months in c programming?

What does FHLMC initiative mean?

My lender says that I need to find a condo that is either warrentable or FHA approved. Does FHLMC have anything to do with Freddie Mac? Does this mean that it is warrentable? Thanks.

Read more: What does FHLMC initiative mean?

Will I have to pay taxes on a Metlife life insurance surrender?

I am middle age, on SSDI. It is a combo life/retirement plan. I will never have dependents as I am to ill to have children. If I live to retirement age I will likely have an inheritance and be eligible for a reverse mortgage.

I need the money for my needs now.

It was originally a combo disability/life/retirement. The disability ran out after 5 years and was not taxed income.

Also, I will have more deductions (property tax, mortgage interest, medical, etc) than the amount of the surrender amount and my taxable income combined.

There is no point in selling my home as it is cheaper than renting a tiny apartment.

Read more: Will I have to pay taxes on a Metlife life insurance surrender?

I'd like to learn to flip houses for a profit?

My day job is photography, specifically wedding/family/engagement/senior picture photography and I make really good money. I live in a military town that's near a university town, It's always been a dream of mine to do it, I love interior design. I know it's best to buy the house fully in cash but that could take a while to save up, I also thought about buying a place and then renting it out. So here are my questions. (Also, I plan on buying a good foundation home first, i know it will cost more but I'm looking for doing cosmetic type stuff first) I know you need enough money to cover a few months and money for the repairs. I plan on doing most of the repairs myself with my brother. We both have experience in the whole diy thing.

I guess my question is, if anyone has ever done this what is your story? Tips? Dos and donts? How long after buying and fixing can you rent it out? I don't know much about the business parts of it which is the only thing holding me back. Do you have to pay the mortgage off completely before renting? Is it better to buy and resell or buy and rent out? Thanks!

Read more: I'd like to learn to flip houses for a profit?

How to start saving up and buying a house?

I am 22 years old, recently graduated and I want to start saving up for a house I can buy. I currently live with my parents and I pay the bills here but I want to start saving up for a house. The area that I live in is really expensive, even if you want a small townhouse, it will cost you around 600K. The house I am looking for would be in the 800-900k range. Currently I make 55k a year and the boss said I will be raised to 82k in 2 years if I keep up the work. I'm a CPA. How do I start saving up money for a house? How do you buy a house? Like how much do you have to pay for buying the house like I know you can take mortgage but I assume you still have to pay some money from your own pocket too. ( I am going to buy the house with my own money, no one will be helping me with it, like my parents will be living in a different house than me) Anyways I understand the questions I have asked in this are stupid but if you have any tips or advice they will be much appreciated.
-Thanks:)

Read more: How to start saving up and buying a house?

Is there such thing as a lemon law for manufactured housing?

We bought a manufactured home over a year ago. From the very beginning we have had problem after problem. Our warranty is up in less than a month and we are still dealing with issues that haven't been resolved after numerous attempts by workers. One of the guys even told us that the problems we are experiencing are because they screwed up the house at the factory while they were making it! We have called corporate twice and have gotten no where so far and i was wondering if we should get a lawyer or if there is some law protecting us?
Added (1). Also i want to mention that we have a FHA loan.

Read more: Is there such thing as a lemon law for manufactured housing?

What am I doing wrong? I make about $32,000 a year and I never have money?

So I haven t graduated from college. I m 31, single, no kids. I started college at 17 and still hadn t finished. I have about 86 hours and when I moved away my parents paid all of my bills including tuition. I didn t get serious until they told me I had to pay myself after them paying for 5 years. I accept full responsibility, but I have no idea how I will pay. Classes are $1100 for 3 hours at the school I ve been attending. My sister moved here and we bought a house. The mortgage payment is $1100 and we split that and the bills. Our last apartment was going to cost us $950 a month, so my dad paid our down payment and closing costs. He also gave me his car and bought a new one when my last car s engine went out. I ve never paid a car note or car insurance and I m still broke. I live in DFW Texas. I honestly think I need to be making about 45,000 to live comfortably. I am about to start a new job at $35,000, but I need to be making way more money. How do I manage my money better? I usually go out twice a week and that s it.

Read more: What am I doing wrong? I make about $32,000 a year and I never have money?

Come poke holes at my project?

assignment is to make a utopia. If you see any major flaws (not relating to how realistic this is xD) please say so

Overview:
In the year 2499, a planet hidden to Earth by its technology is discovered 3.2 million km away. The Democratic Federation of Unity (DFU) has evolved almost identically to Earth with much of the same technology with slight advancements. With its abundance of natural resources, the DFU now trades with countries on Earth and occasionally welcomes their citizens as immigrants.

Economy
(Credit System)
Every working citizen is given 5 000 CR/Month of employment regardless of occupation
CR amount may be deducted situationally
CR is tied to the initial owner and cannot be used by others
CR used in transactions are automatically sent back to the Government
Persons who wish to start a business are given an additional 10 000 CR as startup credits which can only be used towards the business
(Possible CR Deductions)
Number of strikes
Hospice care
Missing work: 30 CR/ missed hour (Full Time), 20 CR/ missed hour (Part Time)
(Retirement)
Age requirement at 100 (2499, life expectancy = ~130)
Required to have worked minimum of 40 years
Pension: 2 000 CR + (750-1500 CR) depending on how long they worked
(Housing)
Free government apartments (and basic furniture) are given out to those who have worked at least 5 years
Other housing must be bought up front (paying with credits and no mortgage)
Cost of housing example: 4 bed, 3 bath, 2 500 sqft house= 400 000 CR
Added (1). i have more subsections, if youre extremely bored go check it out

Read more: Come poke holes at my project?

What does deb have to be under to get approval for underwriter for usda mortgage loan?

What does deb have to be under to get approval for underwriter for usda mortgage loan? - 1

Read more: What does deb have to be under to get approval for underwriter for usda mortgage loan?

Is it worth paying an old debt or not?

I have a debt of $2500 or so on my credit. It's been on my credit report for about a yr now. Every time I call to try to settle for less they keep saying no! But my question is will a lender give me a mortgage loan with this on my credit report?

I know either way it's still going to always be a negative on m report from it even if I pay it. My credit want go up? So is it worth paying or just wait 6yrs until its remove.

Read more: Is it worth paying an old debt or not?

When is the deadline with a HARP Refinance? Being told different things?

I went to my bank because I want to refinance my Mortgage through HARP. The Home Mortgage consultant / specialist told me I was eligible in which I already knew. But she told me to call back in a week or two as there is a glitch in the system or something to that matter with HARP. First off I couldn t understand why it would take up to 2 weeks the clear up system problems. Then I brought up the fact that The end od Dec. Is the deadline to refinance thru HARP at the 2.7 rate and I ve heard process takes about a month. And. She insisted that I had into 2016 and plenty of time.
Can someone set me straight please?
Is she planning to put me off a bit to shoot for a higher rate?
Does she know something all of the Ads and websites do not?
Should I go to another bank?

Read more: When is the deadline with a HARP Refinance? Being told different things?

What have you alwasy wanted to do if you won the lotto in your area?

What have you alwasy wanted to do if you won the lotto in your area? - 1

Read more: What have you alwasy wanted to do if you won the lotto in your area?

Division of assets divorce canada?

So I'm trying to divorce my wife that I separated from 4 years ago. She made it impossible for me to live in our 2 bedroom house because her boyfriend was always over and our 2nd bedroom she used as a daycare nap room for her business.
I would like to get a divorce but I'm not sure how the debts and assets will be split. We had a house together costing $140,000, a line of credit in just her name fully racked up at $20,000 and a car that was owing $30,000 but we paid it down to $15,000. Now while we live together I paid down some of those debts myself. For example I myself paid at least $11,000 on the house, $5,000 on the car but stopped paying after I left. How would the remaining debts be divided? Sell everything and split the debts? But she refuses to sell anything. Does that mean she has to pay me out if she wants to keep the house and car?
Added (1). And please, don't tell me to get a lawyer. My lawyer is telling me to file a divorce and thinks that because of her refusal to sell the property, she is unable to force me to make payments on the leases on said property. As for the line of credit being racked up, the items that was bought with the line of credit is still in her possession.
Added (2). BTW we were only married for 1 year. I have bank records of the transfers from my into another account where our mortgage was paid.

Read more: Division of assets divorce canada?

Why do people keep saying prostitutes are selling themselves?

Why do people keep saying prostitutes are selling themselves? - 1
Added (1). A prostitute is not selling "herself", she's selling services. A customer obtains no property right in the prostitute as a result of the agreement. He can't sell, lease, mortgage, pledge, or license her, or in any way deal with her other than with her consent.

Yes, a prostitute uses her body to provide the service, but so does a waitress, dentist or parliamentarian, and no-one ever says they are "selling themselves" and it should be criminalised as "slavery".

It's absurd hyberbole.

Read more: Why do people keep saying prostitutes are selling themselves?

We want to move to Mario World but we cannot find it on the map?

Hello Everybody,

We are a married couple who work very hard and we have a baby that we love so much.

Recently we have been talking about moving out of the city and into the country, but after doing some thinking we decided we want to move to Mario World.

You see in the city we have to worry about break ins, rapes, robberies, our dogs and child getting hit by a car etc.

Why should we have to face day to day worries?

Well that s why we ve decided to move to Mario World.

See we were thinking we could rent or own a mushroom house…

… To pay the mortgage on our mushroom house and to buy food we could just help Mario do levels and defeat bosses to earn coins.

… Our kid could play with Baby Peach and Baby Mario in the yard but they would have to stay where we could see them so that way Bowser s Minions can t kidnap them.

… We could have date night with Mario and Peach.
. How Fun!

… We are not afraid of possible minion intruders as we have cats and dogs.

Living in Mario World will be great for us and our child!

… We would like to start packing our belongings and move as soon as possible.

But we cannot find Mario World on the map,
Could somebody help us?

Serious answers only.

Thank you!

Read more: We want to move to Mario World but we cannot find it on the map?

How to find out why my experian credit score is so bad?

My experian score is 601
My transunion score is 676
I'm trying to get a home with a low interest rate but I'm not sure which acore they will use.
Hiw can i find out why my score is so bad?

Read more: How to find out why my experian credit score is so bad?

Did you buy your house on reasonable terms?

Did you buy your house on reasonable terms?

Read more: Did you buy your house on reasonable terms?

Are my chances of a mortgage approval good?

Are my chances of a mortgage approval good? - 1
Added (1). Here is the Criteria:

Single Male
2-unit multifamily home
Gross Salary: $52,000
Purchase Price: 208K
5% Down
Financed $197,600
Bottom unit brings in $975/month, the tenant has been there for 4 years and wishes to stay.
Only debt student loans: $210/month
For DTI they took 52K plus 75% of the rental income, mortgage with taxes, etc. Is $1385 therefore my front end DTI is 1385/5064 = 27.3%.
My back end DTI = 31.5%
Credit Score = 705
Cash Reserves: 8 months mortgage

Read more: Are my chances of a mortgage approval good?

Will my mortgage application be accepted?

Will my mortgage application be accepted?

Read more: Will my mortgage application be accepted?

Advice on niece who's mam has died?

My niece is 18 years old and has been through a lot in her life, her mam was an alcoholic when she was younger and she went to live with her dad for 7 years before moving back with her mam aged 16 after finishing school. In my opinion she was better off with her dad as her mam has never really been stable and I wasn't really sure why she went back to her mams in the first place as she doesn't talk about and as far as I know she hasn't kept in contact with her dad.

Her mam died nearly 7 weeks ago. She's staying with me but at college all day and wear helping her with selling her mams house and paying off the mortgage and debts. She has been coping so far and well and has been focusing on getting into university next year.

However there have been some things happening recently, she is sad a lot which is understandable but she got better for a while and then has started getting more down, tired etc. My wife says she still cries in the middle of the night but what's most worrying is that both my kids have heard her talking to herself, she says things like leave me alone, I'm sorry, and they say it sounds like she's shouting back to someone who is shouting at her and she gets really upset over it. She's not been herself, even after her mother died yeah of course she was upset but in he last couple of weeks she's been acting very odd and not herself. I'm worried that is could be something more serious, there's a lot of history of mental health in our family me I fear she's

Read more: Advice on niece who's mam has died?

How to prepare a journal entry for partnership?

Jake and Lori formed a partnership and invested the following assets and liabilities:
Jake:
CASH- fair market value = 300 000
carrying value- 300 000
LAND- fair market value= 450 000
carrying value= 280 000

Lori:
CASH- fair market value= 100 000
carrying value= 100 000
BUILDING- fair market value= 600 000
carrying value= 520 000
MORTGAGE PAYABLE- fair market value= (400 000)
carrying value = (400 000)
THE PARTNERS WILL SHARE PROFITS AND LOSSES EQUALLY.

Read more: How to prepare a journal entry for partnership?

Osborne puts a price on police and public safety pay up or DIY Britain?

Osborne puts a price on police and public safety pay up or DIY Britain?
Added (1). -
who's council tax pays for police in UK?
Added (2). -
http://www.theguardian.com/politics/2012/dec/07/taxpayers-paid-george-osborne-paddock-mortgage
Added (3). -
-
http://www.bbc.co.uk/news/uk-politics-34875077
Added (4). -
-
are these Tories serious where is
the UK's public outcry and stance?

Read more: Osborne puts a price on police and public safety pay up or DIY Britain?

What bank is better for my mortgage?

I bought an apartment for $200 000. I have to pay 15 percent of its value in cash. So I will take a loan for the remaining 85 percent, which is around $170 000. I've been around to two different banks and checked how much it will cost me.

Bank 1:
Everything is clumped up into one first mortgage loan with an interest of 1,7 percent. The interest will cost me $240. The installment will cost me $330/month. The fee for the apartment is $280/month so everything in total will be $850/month.

Bank 2:
This bank has another system. They separate the 85 percent of the loan in two parts. One first mortgage loan consisting of 75 percent and one top up loan consisting of 10 percent. The first mortgage loan has an interest of 2 percent, meaning a cost of $250/month. The top up loan has interest of 2,5 percent meaning a cost of $31/month. The installment for the top up loan is $170/month. They have no required installment for the mortgage loan. The fee for the apartment is still $280. So the total cost of everything is $731/month.

One is cheaper/month but the other one has a more aggressive installment plan that is maybe better in the long run.
What do you think?

Read more: What bank is better for my mortgage?

Can I contest this on my credit history?

Long story short. Split with ex wife 5 years ago. We ended things fairly civil. Our credit accounts we're paid off since we had some good financial standing. I asked her to close the ones that she was primary on… Fast forward to today. New wife, and we're trying to buy a house. I got denied for a mortgage despite never missing a payment or anything in my life.

I found out that my ex wife filed bankruptcy and that particular credit account was one of the the ones that she defaulted on into bankruptcy. So now I have one small account on my credit report that I never even use that has "bankrupt" next to it. What can I do about this? I don't have any bad feelings for her but this really screwed things up for me.

Read more: Can I contest this on my credit history?

Can i transfer the remainder of my mortgage to a no interest credit card?

Can i transfer the remainder of my mortgage to a no interest credit card?

Read more: Can i transfer the remainder of my mortgage to a no interest credit card?

Paying off my mortgage will help on my income tax?

Paying off my mortgage will help on my income tax? - 1

Read more: Paying off my mortgage will help on my income tax?

Why do immigrants think that coming to a developed country like London and Paris, will get a better life?

People will still have problems financially and emotionally. No country is ever perfect. My neighbour is an immigrant, even though he has a nice house with a mortgage, he's still struggling with life in general.
Added (1). Job opportunities? I don't think so, half of the population here are jobless.
Added (2). Sorry I meant England and France

Read more: Why do immigrants think that coming to a developed country like London and Paris, will get a better life?

FHA Home loan scores in low 600s?

The loan will be under my husbands name since he has the income and I don't. His myfico dot com scores are bouncing around about 590-630ish pending on what time of the month you look at them. We are both first time home buyers and we don't have any bankruptcies. He has a couple personal loans but current and already paying back.great standing in credit repayment just high utilization but currently paying it down… I think he only has 1 thing in collections which is a few years old. No auto loans no home loans no student loans. He's been at his job for almost 3 years last job was over 5 years there… Small break between the two jobs due to being laid off ( a couple months). He makes about 45K/yr. We have been renting 10 plus years and are tired of renting homes so we would like to buy one so we are looking for FHA home loan type mortgage in near Mesquite, Texas… We would love to live in the 75181 area creek crossing if we can be lovely to find a 4bd 2 half bath 2 car garage. We can't get more than 5-6K in down payment. Given all this info what is the possibility we can find a home of our dreams… Our current lease is up by end of April 2016 but we have to give notice first of March 2016 so we thought we would start talking to bankers and what not right after New Years Day. Is that enough time?

Read more: FHA Home loan scores in low 600s?

Is it possible to live without paying mortgage or rent/rates etc?

If you bought some land out in the whop whops and built your own house what money would you have to pay to the government? You hear about people living off the grid, what situation do you have to be in to save money from the usual suburban and city living costs?

Read more: Is it possible to live without paying mortgage or rent/rates etc?

Bout how much do you monthly?

Mortgage,Electric bill,Water bill,etc…

Read more: Bout how much do you monthly?

If your mortgage is $700 a month,bout how much you think you spend totally in a month?

Mortgage,electric bill,gas,etc

Read more: If your mortgage is $700 a month,bout how much you think you spend totally in a month?

Can illegal aliens still get a mortgage loan in Utah?

Can illegal aliens still get a mortgage loan in Utah? - 1

Read more: Can illegal aliens still get a mortgage loan in Utah?

Will the future of real estate be underground bunkers?

Considering all the environmental disasters, social and political upheaval, and increasingly expensive prices to buy a home or get a mortgage, no wonder why underground bunkers or even tiny mobile homes are becoming popular?

It's not just a doomsday prepper phenomena.
Added (1). Updated to fit the category and subject. Home & Garden - DIY

Read more: Will the future of real estate be underground bunkers?

Credit score different on different websites?

Credit score different on different websites?

Read more: Credit score different on different websites?

Could you forgive someone who?

Came back to your house after you 2 broke up and told you she was pregnant with your baby then falsified a DNA test with your real 2 year old to trick you into raising this newborn who was not yours you then get a vasectomy cause 2 babies was all you wanted and lose your house because you couldn't afford another baby and a mortgage you then find out 3 years later that she tricked you and you lost your shirt because of it… How many could forgive and have a functional relationship with this person afterwards if she was truly remorseful and changed her ways? Oh and not only did she falsify the test she continued talking to the real father while I raised the baby thinking she was mine she was sending him regular updates on the baby.

Read more: Could you forgive someone who?

What kind of lawyer do you need when your mortgage company is screwing you over?

What kind of lawyer do you need when your mortgage company is screwing you over?

Read more: What kind of lawyer do you need when your mortgage company is screwing you over?

What kind of home mortgage loan can I get?

I'm a first time home buyer looking for a single family home under $100K. I make about $36K a year (this fluctuates because I have 2 part time jobs and do a lot of freelancing) and my credit score is 777. All of the online pre-approval calculator things wouldn't give me any info or gave me ridiculously low amounts (a $20K loan). I'm just wondering if it is even possible for me to get a loan? I understand I'm not making millions of dollars, but I have enough to cover the estimated monthly payments of these places.
Added (1). I can probably put down a payment of 10-20%, depending on the price. Also, I do have student loans and a car loan which are probably ~$15K total currently.

Read more: What kind of home mortgage loan can I get?

Mum financially dependant on me?

I'm 26 and I live alone with my mum. We both pay the bills. My mum is on benefits due to severe back problems and therefore if I was to move out, she would also have to leave and find another place to live. We live comfortably, however without my financial support she wouldnt be able to afford a place to live on her own. Im in a relationship and looking to get married next year and my partner is okay to move in with us for the time being however eventually we will need our own place. He has his own mortgage to pay and his mum and brother live in that house, and he lives an hour away. Being of an asian background, his family arent very happy with him moving but accepting of it. I am concerned though that his family will affect our future marriage when he does move out as traditionally the girl moves. I just feel stuck as I feel i have a duty to support my mum as she did it as a single parent. Both me and my partner have a great relationship with her as she never invades our privacy. Any thoughts? Thanks guy/girls!

Read more: Mum financially dependant on me?

Why does my Mortgage Broker need a full disclosure for a pre-approval?

Why does my Mortgage Broker need a full disclosure for a pre-approval? - 1
Added (1). I just want to know if this is typical because I am not very familiar with the terms and conditions for a pre-approval and I just don't want to end up signing a document that I don't what it is for. Could someone please explain to me why this is needed? The mortgage broker said it is because I have only worked at my employer for less than a year and that the underwriter is wanting this, due to the fact that I get paid overtime and commission.
Added (2). Also, I want to add, that I already submitted all my W-2's, payroll, 401K & IRA statements, bank statements, and identification copies. After these were received I was asked for a borrowers authorization form to be signed, to get employment/income verification.

Read more: Why does my Mortgage Broker need a full disclosure for a pre-approval?

Should I invest in a rental income property?

I want too buy say a 3 bedroom 2 bathroom home. In Edmonton Alberta. They have some homes for say 200,000. I used the mortgage calculator. A down payment of 10,000 is required. And I would like to just rent it out right away. My plan is to own like 3 rental income property's within say like 6 years. Is it risky? I would like to also fix them up. My friend does this and from what it sounds like he will end up very successful in the end.

Read more: Should I invest in a rental income property?

Will my tax deductions change if I live in two places?

I currently live with my parents in which the home is under my name (and I pay mortgages). Therefore I get tax deductions on property tax and interest rate on mortgages.

I decided I want to move out and live alone but rent a cheap apartment. I will not rent the home out and will still pay for both mortgage and the rental.

Will I get less deductions on tax because of this? Also, what do I put as my residence when filing the tax out? (I will likely live more in the apartment rental but come 'home' ~2-3 times a week)
Added (1). Both are in same state btw.

Read more: Will my tax deductions change if I live in two places?

Will Republican Piyush Jindal now take over for the late Fred Thompson in those reverse mortgage commercials?

Or will Mike Huckabee be a better choice?

Read more: Will Republican Piyush Jindal now take over for the late Fred Thompson in those reverse mortgage commercials?

Does anyone like math? Is it useful to anyone?

Does anyone like math? Is it useful to anyone?

Read more: Does anyone like math? Is it useful to anyone?

Can I qualify for a mortgage in this situation?

I have a well-paying job that is based in Texas and allows me to work from home several days a week. I spend half my time in Indiana with family, and the other half in Texas.

Could I qualify for a mortgage in Indiana when my job is based in Texas? I stay in corporate housing the 3 days a week I'm there.
Added (1). I also have excellent credit and a low debt to income ratio. Im just concerned that my commute will disqualify me somehow.

Read more: Can I qualify for a mortgage in this situation?

What does the term 'Affordable Housing' actually mean?

We KEEP hearing this phrase banded around every time the price of housing is discussed.

Yet I've asked many times (including on here) what the phrase means & it's a question guaranteed to be ignored.

I want to know what 'Affordable' housing actually costs.

In other words how much money do I actually have to have to be able to actually afford one?

Because lets face it, all houses, just like all private jets & luxury yachts are affordable. You just have to be able to afford them.

BUT NO ONE ACTUALLY KNOWS WHAT THE DAMN THINGS COST!

So if we don't know what they cost how do we're know they're affordable?

I don't even know if they're houses for renting or buying outright, like on a mortgage.

If they're rented houses does the phrase mean they're owned by housing associations who charge rents coverable by housing benefits if you're unemployed? A bit like council houses were before our tory governments (for whom more houses than the rest of us are affordable) sold them off.

Especially I'd like to know:

1.) If affordable houses are buyable outright what is it that marks them out as 'Affordable' (as opposed to affordable only if you have enough money)?

2.) If affordable houses are government or council or housing association owned & rented what do they cost to rent?

3.) How do I find out where affordable houses are?

4.) At what point in my income or savings am I'm discounted from qualifying as someone affordable houses have to be affordable to?

Read more: What does the term 'Affordable Housing' actually mean?

Mortgage for full ownership?

I have got a mortgage for the house with my dad on shared ownership and now wanting to buy a house with my wife with full ownership. Is it possible? As I was told I could not buy one more shared ownership house so planning to buy house with full ownership

Read more: Mortgage for full ownership?

When should I pay off the mortgage?

When should I pay off the mortgage? - 1
Added (1). I have $700K in stocks, my home paid off, two rental income homes one with a note of $243,000 the other with a note of $107,000. I have $100,000 in bank accounts, social security, $2,200, and a great union pension of $3,650 a month. I have no other consumer debt. I want to pay off the mortgages because one will cost $350,000 in interest if paid off through 2043.
Please Help.
Added (2). The interest rate is 5.6% on the larger mortgage.
Added (3). kj566 The rentals are not a headache they have been great income, $2800 a month for many years, Thanks for your answer.
Added (4). Ranger-I-75 thanks for that answer I have a better insight of what to do. I will loose $18,000 interest income write off, but that is only worth the percentage I can write if off on my taxes.
I will pay off the loans and dollar cost average the rental income back into the market. My Vanguard financial advisor is so against this but we know why.

I appreciate all responses guys, Barry

Read more: When should I pay off the mortgage?

How to get a roommate who is on the Mortgage agreement to move out?

We are only 6 years into a 30 year mortgage on the house. The other couple had a child and then decided to get a divorce, but stay living together because of the mortgage. My boyfriend and I are kind of afraid to leave our room because of all the yelling. Is there a way to get them off the mortgage so we can have another friend move in instead?
Added (1). Edit: They want to foreclose on the house, which would destroy our credit and cost my boyfriend his security clearance and career. We want to stay, but can't afford the buyout because the house is $70,000 upside down with no equity. We are trying to find a way get the mortgage transferred from the joint ownership to a single ownership, but the bank won't let us refinance.

Read more: How to get a roommate who is on the Mortgage agreement to move out?

How long has Russia and Iran (Persia) been at war with the Khazarian Mafia (Fake Jews)?

How long has Russia and Iran (Persia) been at war with the Khazarian Mafia (Fake Jews)?
Added (1). Hunt: A LOT Longer than the US of A division of the Mafia Empire has existed… God JC
Added (2). Hint: Nazi's = Republicans. Communists = Democrats…
Added (3). communists and republicans = a coalition of the Synagogue of Satan based in Jerusalem, Israel…
Added (4). gog of maygog = Benjamin Netanyahu… Jehovah = Barack Obama. God of Terra = John Curren Chapman 111
Added (5). Jesus Christ (the False Christ) = the Black Pope of Rome… Adolfo Nicolas
Added (6). Queen of Babylon (City of London) = Elizabeth Windsor Sax Coberg… A German Nazis Consort…
Added (7). Traitors" John McCain… Lindsey Graham… Nikki Haley… Rom Emanuel… Both George Bushes… Hillary Clinton… Dick Cheney… More to come… God JC
Added (8). All of the US Congress, Supreme Court and Executive Branch are Guilty of Treason… God
Added (9). Military = Clean Your Ranks of Traitors and Criminals Starting with ex-General Richard Armatage… God JC
Added (10). Cosa Nostra = Have a heart to heart among your Troops… God
Added (11). Naval Command is in Charge of the Government… God JC
Added (12). The US Constitution is hereby Suspended until it can be corrected and re-written AS INTENDED… God JC
Added (13). All Treaties with the United Nations are NULL and VOID under the LAW of God JC
Added (14). NATO is Disbanded… Work with All of Your Allies to Defeat or Destroy the Synagogue of Satan aka the Khazarian Mafia at All Costs. The Future of this Planet DEPENDS on it!God John Chapman…
Added (15). Make NO ATTEMPT to depose or harm Bashar Asaad! ANY Attempt by western powers of Khazarians will be dealt with HARSHLY! God
Added (16). Prepare to Close the Banks… They are insolvent and operating as a Criminal Enterprise. Shut Down Wall Street. The US Dollar is Worthless and I will accept ONLY Gold and Precious Metals… God
Added (17). NO MORE Mortgage Foreclosures. House the needy with empty dwellings formally belonging to the banks… God JC

Read more: How long has Russia and Iran (Persia) been at war with the Khazarian Mafia (Fake Jews)?

How many years accounts required for self employed applying for mortgages?

How many years accounts required for self employed applying for mortgages? - 1

Read more: How many years accounts required for self employed applying for mortgages?

What is the process of a mortgage?

I don't want links to where to go to get a mortgage or basic info I can get by a Google search. I want specifics, as detailed as it can be. I will be paying cash for my home. I have copious amounts of money that nobody knows about and I prefer to keep it that way, so I need to put on a spiel about how I came about aquiring a loan for a fancy house. So basically I will have to be able to tell them about things I have no idea about, if that helps you answer the question any.

Thank you in advance

Read more: What is the process of a mortgage?

What to do about our old house (please no judgement)?

We are renting where we live, but we still own our old property which is costing us mortgage etc, which is bad because we manage month to month and should put the money into more important things. But the situation is complicated. We *should* sell, but:

My father is the breadwinner, can't afford much time to take off from work to deal with the house, concerned that his business will be hurt. The house itself has a lot of our old belongings that we don't want to throw away. The house also needs repairs, including to keep out rodents. Because of the general situation, my father says it's too dirty there and does not want anyone else from the family going there to clean up.

I've suggested getting someone to make repairs to keep out rodents but I think he says it's too messy to bring them in. I've suggested getting cleaning crews, but I believe he thinks they'll throw out important things or need supervision when he doesn't have time to be there or that they could reveal and embarassing mess to the neighborhood while they work. I've suggested getting a realtor to take over the situation to manage things, but again too messy or not enough time to explain the things he wants or something.

We have this situation that needs to be addressed. I know he means well but I can't convince him, it seems, to address it or that it won't risk our immediate or long term finances.

Advise? How should this kind of thing be dealt with, without risking a lot of time? Realto?
Added (1). To clarify something, I don't think the house generally has rodents, but they have gotten in in the past, and they've also been caught in rat traps. And my father also has oblications other than business that he doesn't want to sacrifice. He does a lot and it's not an issue of lazy, more like overwhelmed and afraid to rock the boat, so I need good suggestions.

Read more: What to do about our old house (please no judgement)?

How has the Bill of Rights been circumvented for the average American?

As it relates to personal legal discretion?

Mortgage fraud compromised individual right to property or land, health fraud compromises individuals private lives and personal information.



Read more: How has the Bill of Rights been circumvented for the average American?

Credit score for young adult?

I'm a 20 year old male with a 4 month old credit score of 517. Is this good or bad? Also, how could I raise it? I'd like to purchase a car soon

I do have a credit card with a 300 limit, which I only use about 100 or so bucks each month. I pay each month in full on time. Also, my credit score is 4 months old.

Read more: Credit score for young adult?

How long do i have to be a state resident to own a home in that state? Not rent but pay mortgage to own?

I currently live in NYC and plan on moving to Georgia. My credit score is sufficient enough for me to make preparations to pay mortgage but is there a requirement that says i have to be living or working in that state for a certain amount of time before i can own a home?

Read more: How long do i have to be a state resident to own a home in that state? Not rent but pay mortgage to own?

Has anyone used Quicken Loans for mortgage loan?

I will be a first time home buyer looking for fha loan. I have received multiple calls from Quicken after filling out a form through fha website.

Read more: Has anyone used Quicken Loans for mortgage loan?

What can I use for non-photo ID to get a PO Box?

I'm a minor and yes, it's legal for me to get a PO box in the States. I want to get a PO box (personal & appropriate reasons) but I need a non-photo ID. I have a photo-ID already.

On the USPS website, it says that I can use:
"Current lease, mortgage, or deed of trust
-Voter or vehicle registration card
-Home or vehicle insurance policy
Note: Social Security cards, credit cards, and birth certificates are
not acceptable forms of ID."

Since I'm under 18, I don't have any of those things.

However, I do have various pieces of mail from my town and high school that I go to that have my name and home address on it. Also, I have lots of mail from shops (like American Eagle Outfitters) that have my name and address on it…

Plus, I have a library card too, but it only has my signature on the back.

Basically I'm not sure how strict USPS is about the requirements of getting a PO box, but I want to stay on the legal side and not forge anything.

Read more: What can I use for non-photo ID to get a PO Box?

Can I back out of a contract right before closing?

Currently I am under contract to purchase a home and just completed the final walk-through, but my fiancé just got news on a new job offer and we cannot financially afford the mortgage. Can we back out of the contract?

Read more: Can I back out of a contract right before closing?

How to pay off mortgage off on teneriffe appartment?

I am a uk resident. I wish to pay off my mortgage on a teneriffe apartment. How long will i need to stay over and what is the process. I wish to pay off bulk sum.

Read more: How to pay off mortgage off on teneriffe appartment?

What rhetorical device is used in this excerpt of the devil and tom walker and how?

"Instead that he should turn usurers, looking upon them as his peculiar people. To this no objections were made, for it was just to Tom's taste. "you shall open a broker's shop in Boston next month," said that black man. "I'll do it tomorrow if you wish," said Tom Walker. "You shall lend money at two per cent a month." "Egad, i'll charge four!" replied Tom Walker. "You shall extort bonds, forclose mortgages, drive the merchant into bankruptcy."

Read more: What rhetorical device is used in this excerpt of the devil and tom walker and how?

Are we on the right road to retirement?

Are we on the right road to retirement?
Added (1). We are 28 and 33. Paid off all debt inc/ mortgage. We save 15% of gross income for retirement ¤tly have 70k in 403b & Roth. We would like a larger house in about 5 yrs& we would then have a small mortgage since the selling of this place would cover a substantial portion.It would cutdown our retirement savings at that point. My husband also receives a pension at age 60 for 80% of his income w/ insurance. I do not have a pension

Read more: Are we on the right road to retirement?

Why Every People Around The World In Solidarity For Paris, France?

So Here's My Question And It's Not A Joke: Why Every People Around The World In Solidarity For Paris, France?
Added (1). Since The Recent Terror Attacks In The City Every People, Landmark Or Other Places Around The World In Sincere Solidarity For Paris NICE!

Read more: Why Every People Around The World In Solidarity For Paris, France?

How to increase my credit score even more?

Igot 6 negative accounts removed, there are 2 accounts in collections and my student loan (which is in good standing) I don t have any credit Cards. And even with all of the progress, my score is 539. What more can I do to improve my score?

Read more: How to increase my credit score even more?

My cat decided he wants to sue me for not paying his mortgage. What do I do?

My cat decided he wants to sue me for not paying his mortgage. What do I do? - 1

Read more: My cat decided he wants to sue me for not paying his mortgage. What do I do?

How much monthly receive on 100,000 home that has no mortgage at age 62?

How much monthly receive on 100,000 home that has no mortgage at age 62?

Read more: How much monthly receive on 100,000 home that has no mortgage at age 62?

How much should personal expense of husband and wife be?

My husband makes about $5700 a month and we have three kids. Our mortgage is only $1000. He doesn t live with us currently and spends about $1500-1800 a month! (He lives in a cost free housing with free utilities) Even when we all were living together he spends nearly $1000 and those are all food, drink (including alcohol), cigarettes and entertainment. I have suggested that he has his own account so he gets better idea of how much he spends and reconsider his spending, but he doesn t seem to want to realize that his spending is ridiculously high. I know it depends on how much other expenses are, but in general, how much should a husband and a wife spend? I am a stay-at-home mom and spends about $50 -150 dollars for myself which I think too little. I d rather live in a better house and start to save college fund for kids. Your opinion is appreciated.

Read more: How much should personal expense of husband and wife be?

Negotiating With Home Seller to Replace Furnace?

I'm trying to purchase a home with a furnace that failed inspection. I would like the sellers to just give us 10k back to replace the furnace and let that cost go in to the mortgage, but lenders do not allow that. I'm worried that if I have the sellers replace the furnace that they will opt for the cheapest thing they can possibly find. Is it unreasonable to negotiate that a certain company, and a certain type of furnace needs to be installed? I can take a higher mortgage, and they can take the money from the sale. Is that possible?

Thanks
Added (1). The reason the cost is so high is because it is a gravity furnace that contains asbestos and has potential to leak carbon monoxide into the home.

Read more: Negotiating With Home Seller to Replace Furnace?

Why is our household budget a secret?

My wife provides all the income to support all the bills: 2 cars, mortgage, credit cards, utility bills, etc. We are not poor by any means, we live very comfortably. I am a house husband, (kept man?) I have no income, no access to money other than what she allows me access to (usually no more than $300.00), and I always let her know when I am spending anything. I give her all the receipts. I have no problem with this, it's her money. She keeps a private bank account I have no access to.
I have to ask if there is money to grocery shop, buy tires for our vehicles, take animals to the vet, etc.
I have asked at least four times over our marriage of 4-1/2 years to show me the budget: who gets paid when, how much is in savings, what is our budget for a certain item, etc. She refuses to show me anything and gets very defensive that I'm attempting to nose into her business.
I don't understand… I explain to her that if anything happened to her I would be in a horrible situation: no income, no access to money to pay bills, no idea what needs to be paid. She assures me there will be plenty of insurance money to pay everything. I do not understand why I should be put in this situation. Why would our household finances be a secret? This does not give me any sense of security. I can't imagine doing this if the roles were reversed. What's your theory?

Read more: Why is our household budget a secret?

How would you go about this?

Scenario:

Your mothers on trial and is bound to do time in prison. You are only twenty; aren't exactly stable, and have custody over your younger brother. Your father lives miles away, and you'd rather not bother him and his new family. You were raised by your grandparents and don't want to burden them. Your mother told you to keep your 'family' home, but you don't earn enough to pay the mortgage and the toppling bills. Your social preference is faltering, and you're mentally breaking down.

What will you do?

Read more: How would you go about this?

Can someone explain a mortgage retention in this situation please?

We're buying a house for £50k and borrowing £25k of that and paying the rest form savings. A mortgage survey has seen a £2k retention put on the mortgage for damp. If we cough up the extra money (£2k retention) to buy the house and never have the work done to release the retention, are we effectively out of pocket £2k or will we get it back once the mortgage is repaid in full?

Read more: Can someone explain a mortgage retention in this situation please?

I just took a mortgage, can I start paying my mortgage after 6 month?

I just took a mortgage, can I start paying my mortgage after 6 month? - 1

Read more: I just took a mortgage, can I start paying my mortgage after 6 month?

How complicated are FHA loans for manufactured homes?

How complicated are FHA loans for manufactured homes? - 1

Read more: How complicated are FHA loans for manufactured homes?

When should I seriously consider refinancing my home mortgage?

When should I seriously consider refinancing my home mortgage? - 1
Added (1). I am a first time buyer 19 months in at 4.75% in the Dallas/Fort Worth area.
Added (2). Conventional loan.

Read more: When should I seriously consider refinancing my home mortgage?

I am 22 years old I should be allowed to spend my money on what I want?

I am 22 years old and I live with my dad still. I work as a full time Nurses aide in a nursing home and I want to go back to a community college to be an RN. I am not trying to brag but I have saved up to over 33 grand in my checking's account I have plenty enough money to back to school. Sometimes I would buy stuff like video games I would like or movies and such to watch in my spare time. My dad always give me hard time me spending money on stuff like that saying that he does not want me spending money on stuff I do not need. He has a mortgage, car payments, bills etc to pay and he buys car wash supplies and money on golfing all the time. He does not need to spend money on that all the time but he does so why can I not spend money on what I want sometimes. I bought a bunch of nursing books of the computer one time and he was so mad he took my debit card from me but then gave it back to me few minutes later saying don't spend money if you do not have too. Is my dad being controlling. I worked hard for my money I should spend it on what I want I still got plenty of money for school at least. You think my dad would be proud of his only son saving up that much money but I feel like he is not.
Added (1). I am still his child even if I did not live with him at all. Why can he spend money on golfing, car wash, eating out but I can not.
Added (2). I offered many time to pay rent but all he asks is for me to pay for groceries time to time and help pay for car insurance. I do plenty to help him around the house I wish he would realize that he is lucky to have me as his son.
Added (3). I want to go buy a play station 4 game console and new video games but I feel like I shouldn't though cause of him.

Read more: I am 22 years old I should be allowed to spend my money on what I want?

On a mortgage note what does the numbers on the right corner mean p1400not 707?

On a mortgage note what does the numbers on the right corner mean p1400not 707?

Read more: On a mortgage note what does the numbers on the right corner mean p1400not 707?

Are there townhouses with HOAs that do not need to qualify as a condo under FHA requirements?

Are all townhouses that have homeowners' associations considered condos for FHA approval purposes and therefore required to be an FHA approved condo to be financed with an FHA loan? In other words, does the FHA differentiate between condos and townhouses, and if so what would allow a townhouse to qualify for FHA financing without being an FHA approved condo?

Read more: Are there townhouses with HOAs that do not need to qualify as a condo under FHA requirements?

If mortgage was due the 1st and i pay the 19th will it be reported late?

If mortgage was due the 1st and i pay the 19th will it be reported late? - 1

Read more: If mortgage was due the 1st and i pay the 19th will it be reported late?

Can there be any form of legal action taken in circumstances like this?

My father lent money to my uncle over three months ago with the promise that he would return the money a month from the day he borrowed it. The sum wasn't a small one, either. It was actually quite large and not one cent has been returned as of yet, so I'm getting a little worried. I mean, my father's been laid off from work and he's still searching for a job right now, so in my opinion, he should've really thought about how much money he had saved up before letting someone borrow any in the first place, especially considering the fact that we have bills to pay, the mortgage and a lot more to pay off. But that's getting off track.

Can any legal action be taken against my uncle, much as it pains me to ask? This isn't the first time he's borrowed a large sum and it's certainly not the first time he hasn't returned the money he'd borrowed. I often wonder why my father even gave him money again, but I suppose he just doesn't want to see the other side of certain people and only look at what's shown…

So if there's anything that can be done, please help! Any advice of information would be a massive help right about now!

Read more: Can there be any form of legal action taken in circumstances like this?

Apply for morthage loan in person or company where everything is by phone?

I am a first time home buyer. Should I go to my bank and apply for fha loan or through company like bayou equity or quicken loans where everything is by phone/emails?'

Read more: Apply for morthage loan in person or company where everything is by phone?

Income taxes from old converted 401K?

I am a disabled person with money from a 401k. I am wanting to know if I take funds in it to pay off mortgage will I have to pay income taxes on this money. I know being disabled there is no penalty taking out funds I just am unsure if I would have to pay income on money. Thank You

Read more: Income taxes from old converted 401K?

Do I need to file bankruptcy,?

Need advice please. House went to wife in divorce, which she let get foreclosed upon. I was never notified she was even behind in payments till it was too late.

In any case, I am now in credit bureau for $52000. The amount we owed when she lost it.(they never subtracted the selling price yet for some reason).

It s not a judgement yet! My mom is 76 yrs old aND wants to put her hoise into my name. It s only worth maybe $50,000. Can the mortgage company take my moms house if it s in my name? It s been a year already, wouldn t they of came after a judgement by now?

I m wondering if I should file bankruptcy to not worry about it anymore. So my mom can put her house into my name without worry?

Read more: Do I need to file bankruptcy,?

How much money after expenses do you have left over for spending money each month?

each month after you pay your mortgage, car payments, etc. How much money do you have left over for spending money or to put in savings at the end of the month?

Read more: How much money after expenses do you have left over for spending money each month?

When is a creditor calling you considered harassment?

My husband and I refinanced our mortgage for a lower rate and shorter term. We pay bi-monthly (1/2 payments every two weeks) so that we pay off our house quicker. We ve done this for years even before refinancing. We closed on our new terms months ago and since then we keep getting calls saying our bank hasnt received our payment. These come from a third party representive. Of course we have paid, but for some reason since refinancing, they show we aren t current because of us making the bi-monthly payments. This was never an issue before.
I ve contacted our branch who then called someone else to sort it out and they were told that the calls were only temporary and after the first month they would stop. They haven t.
These people call and we explain to them the circumstances and they say they ll put a note on our file so no one calls back but then they do the next day. They call on weekends and at night when Im putting my kids to bed. It s frustrating because our bank can t seem to get it together and my husband and I are the ones suffering.
At what point are these calls considered harassment? We aren t behind in our payment. We are never late as the payment comes directly out of our account. This is just a mistake on their end, but it seems to be one that no one is able to fix. What can I do to get these calls to stop?
I appreciate any considerate feedback

Read more: When is a creditor calling you considered harassment?