My home is 13 yrs old and I need more space. I want to add 2 bedrooms and 2 baths. I’m hearing it is cheaper to go out into the back yard with the addition rather than going up. I am pre-approved for a home equity loan but wondered if the 203K would allow for more money for the renovation.
Posts Tagged ‘baths’
Can a 203K Loan be used to renovate my home I currently own or is it strictly for a new purchased home?
Thursday, January 14th, 2010Is a townhouse a good investment?
Sunday, July 12th, 2009OK so here is the situation. I live in New Jersey, home to some of the most expensive taxes and real estate in the nation. Back in January, I looked at a awesome, large, end unit townhouse in the woods of Passaic County, about 35 miles from New York City. It’s in good condition, its clean, its big (2300 sq. ft) but its dated (but I can update it little bits at a time). It has a garage, finished basement, 2 BR, 2.5 baths, fireplace, backs to woods, and on a quiet road in the complex.
Over the past few months I have been looking a lot of detached houses. The closer I get to work in Bergen County, the smaller, crappier, and more expensive the houses get, and the more and more I keep coming back to that townhouse which is still on the market 6 months later. The townhouse is priced very well and is in a nice area.
If I put some money into updating it, do you think NJ’s market will be kind to me as years go by or do you think a townhouse wont make equity? Is it a bad investmt?
I need a NO credit check, NO Docs, Home Equity Loan. I own my house (no leins) and only want 80% Loan To Value
Tuesday, June 23rd, 2009I am tired of online mortgage sites promising no docs no credit check loans and not really being anything but regular standard lenders. I have a ton of equity in my 4 year old paid-off home. I wish to get 80% of the appraised value in a home equity loan. I work for myself and much of my income is not reported. I have been divorced and my credit score is bad. I do own the house though and wish to use that equity. Please only answer with a real solution. Predator lenders need not bother me with empty promises and credit card lending rates on a secured home mortgage/equity loan. It needs to be a lender that can operate in South Carolia as well. This is a house, 2 story frame built house 2168 sq feet heated. 2.5 baths and a 2 car garage all on a .51 acre lot. Thank You Very Much!
Trying to refinance our home with the NC state employees credit union?
Friday, June 5th, 2009Loan process going great, we already have a home equity loan with them. Right in the middle of signing the disclosure forms, we're asked if our home has a central heat and air unit. We say no, our home was built in 1924, has a furnace as well as 2 of three fireplaces are gas. We have small window units for the bedrooms for air. Our home is 3250 sq ft brick, 4 beds, 2 full baths, 2 story. Loan officer stops and says they can't refinance us unless we get a unit installed. Says it's impossible for them to finance, against the rules etc.
They then offered to loan us the money to have unit installed & said bring a quote. We got quote, they said quote was too high after NEVER saying there were limits! The quote was actually a good one according to the size of the home, less than 7500.00. Now they're trying to decide if they can do anything at all….Anyone know what is up with this? Why wasn't this mentioned when we got the equity loan OR before disclosure signing? Is this law now !?
*Added to answer the first response: We don't want to go with another institution because we started this process already, but it's looking like we may have to. Called them today and they're waiting on a manager to make a decision about the unit amount. If they don't want to go the quote we may go ahead and find another lender, any suggestions or recommendations?
*added:
Thanks for all the answers first of all! I really appreciate it. A lil more about this situation. The credit union did know the age of our home and that it was not new. Not once have we been asked if the home has a heat/air unit. Not when we bought it about yrs ago, not when we got an equity loan. It just kind of 'came up' rather casually and that just bothers me as well. Shouldn't we have been asked this ages ago, before casual conversation revealed something we didn't now we needed? Can anyone point me to information on this 'law'? The last answerer says it is a law, and I'd like to read it. Thanks so much.
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