My boyfriend and I have started talking about buying a home, the only problem is that we literally have NO idea what to do, where to begin, what to have done, ANYthing. We are complete babies when it comes to this. We’ve been renting apartments for a couple years and now that we have a son (11 months old – starting to get into EVERYthing) we would really enjoy the stability of owning a home and also being able to have a place with a yard for our son to play in. We keep hearing that this is the best time to buy but we truly don’t know where to begin. Home loan this, equity line that, percentage rates, mortgage..? Where do we begin?! We haven’t found a home yet but our lease will be up at our apartment soon and we’re hoping to find one before then. Can anyone give me some tips or a website where I can go read up on what all I need to do? We are both 23 years old, he is about to be promoted in restaurant industry, I’m a stay-at-home mom with not so great credit, he has no credit. Are we even eligible for home owning? SOMEONE help me! Thanks in advance!
Posts Tagged ‘thanks in advance’
Can you do a Deed-in-lieu of foreclosure if you have a home equity line of credit on your home?
Friday, November 27th, 2009I am considering the Deed in lieu of foreclosure option but I have a Home equity line of credit on my house. Is this something that can still be done? BTW I live in Florida if that has any bearing on the answer.
Thanks in advance for any advice 
Our broker is wanting to give us a Heloc 2.85% rate for our first house. Will we be paying off any principa?
Thursday, November 19th, 2009We were told a Heloc 2.85% Heloc would be the best for us to keep our mortgage down. We were told that the prime rate is most likely going to go down and if it did go up it would be very minimal, and our mortgage payments would stay the same till our 5 year term was up and then we could renegotiate.
Also with a Heloc are we paying anything at all in principal???
The price of the house is 340,000. Our rate would be 2.85%.
Thanks in advance.
Calculation question, what is better to pay off overall with consideration to tax deductions…?
Sunday, November 15th, 2009I am trying to decide what is best to start using my extra money to pay off…a student loan at 5.4%, an auto loan at 4.99% or a heloc at 7.75% I know student loans and heloc interest is tax deductible, but assuming these deductions don’t affect a change in bracket (tax rate) what is the calculated difference in interest saved (assuming 15% bracket) on whether to pay which of these three….(I guess I’ve always been told pay non-deductible first, but with these numbers I just don’t see how that adds up…and most importantly how do I actually calculate the real interest I’m paying on tax deductible interest so I can compare it to nondeductible rates…) thanks in advance for any help!
Need a Bad Credit Loan?
Wednesday, September 16th, 2009I am looking for a loan I have a poor credit score, looking for lenders that are willing to lend rather than waste time saying they do loans when they don’t. If anybody has managed to get a loan with a reputable lender please let me know. I have a property for security but not much equity. Please reply with helpful answers as I don’t need a lecture right now. thanks in advance. Scammers do not waste your time replying.
Forgot to mention I am in the UK. Cannot remortgage due to early repayment charge. Is it possible to get a 125% secured loan with bad credit. Thanks for all the replies so far.
In enormous debt and lost job – chapter 7?
Monday, September 7th, 2009I admit it, I majorly fail at finances. I tried riding the 0% interest rate game by transferring balances around. Many years later (now), here’s my horrible circumstance:
Primary mortgage owned: 0k
HELOC balance: k
credit card debt: k
Possible house sale value in today’s market: about 0k (0k is owed "secured" debt on the home .. .primary+heloc)
So, my credit score is actually decent because I make my payments every month and on time (for years). I’ve just recently lost my job, so I’m looking at the bad reality now.
There’s no chance for a Chapter 13 since I do NOT currently have employment.
I own 2 vehicles outright (actually, I just transferred the debt about 1 year ago to the HELOC for better interest rate payments on this debt).
Each car’s resale values are probably -14k each.
What would happen if I filed for Chapter 7? Forced to sell the home, cars, etc? I’d want to keep at least 1 car (for my next job soon hopefully) and want to save the home and will have to borrow from relatives or something until I get back on my feet with a new decent job.
I understand the unsecured CC debt would go away I guess.. but what happens to the house/cars?
Thanks in advance!
What type of loan do I need?
Wednesday, September 2nd, 2009We own two houses. They are both paid off. The One we live in has a home equity loan. I would like to get a loan on the other one so that I may remodle it. Is it true that I cannot get a Home equity line of credit on the one that I am not living in? If not what type of loan do I need to get? And will I still need to put the house up as collateral? I am only needing 20,000. Thanks in advance.
Can I borrow extra money on a new mortgage for home improvements? I don’t want an Equity Line of Credit.?
Tuesday, August 18th, 2009I am looking at buying a new house but I want to finish the basement. I would like to borrow that money along with the mortgage – not a 2nd mortgage and not an Equity Line of Credit. If I have the plans and a contract with a contractor to do the work, will the lender allow me to put that money right into the loan amount above the purchase price of the house??? Thanks in advance.
Home Equity Loan…getting ripped off????
Monday, August 17th, 2009Talked with a Countrywide rep about getting a ,000 equity loan (not line of credit). I was adamant that there be no or very small (0) prepayment penalty. He said it would be no problem as my credit is solid. I get the truth in lending agreement and the only thing I can find that say anyything about pre-payment is in the loan description where it states "fixed2nd equity 30 year/ 18.57%/Prepay. I am assuming this is some type of pre-payment penalty. If so the Countrywide rep is either incompetent or unethical.
Anyone have a clue if this 18/57% is the prepayment penalty? I’ve called them and left a message but have not been contaced yet. Thanks in advance.
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