they’re on holidays at home?
i just don’t understand how they’d do the car insurance, and surely it’s a waste of money?
to be honest though it just annoys me that my friends do this as I live at home for Uni and I can’t afford a car and woulduse it more than them. Just wondering if a lot of people do this?
Hi,
First Time Home Buyer…lots of questions!!!
-Found a fantastic Home for 312K
-Current County Assessment is 293k-should I start here as an asking price
-Own 30acres of land outright valued at around 120k-Does this help when getting a mortgage, can it be used as collateral when buying a house?
-Have about 10-15k to put down-everyone says save the cash, go for $ 0 down
-I live in VA-we are first time home buyers- are there any Programs available to us?
-We have no debt
-We make 115k a year
-Our FICO Scores are in the 660′s (our child had cancer hit a rough patch)
-My husband will be getting a 20k inheritance in about 4 months
-We have about 80k in retirement accounts
-We have about 8k in a Money Market Fund
I guess what I am saying, is I know the scores could be a little better, but will a lender take everything else into consideration?
-Also, we rent and pay $ 1500/month on time all of the time, can our Landlord reporting this to the Credit Bureaus improve our scores, and id so, how do we do that?
I know it’s a lot, but we need the facts, we really want to stop wasting our money on rent and need the tax breaks due to our income and really love this home. Thank you for your assistance.
Desperately Seeking a Home of Their Own in VA
Also, how do FHA loans work? Is this my only option for a first time homebuyer?
Would trying to get my score up to the 700′s be that much more beneficial?
Jan 132012
I am looking to purchase a section 502 of the USDA rural housing for low-income people. I researched some info from the USDA, but you can not find answers to my questions. My question is about the redemption ratio, the amount of mortgage financing and subsidies. From what I understand, income and debt is used in the household to determine the mortgage amount that the program gives you – even though the mortgage, taxes, insurance premiums and rates interest do not exceed 30% of total income will be. What’s confusing me is: firstly, no, I understand where does the subsidy – and not the govt subsidize the payment, so there is less than 30% of income, or you are only allowed to buy a house when payment is 30% of income. Second, with 30% of my total household income to mortgage payment Gaga has never let me buy a house in my area, where the cheapest house costs $ 300 000. So someone please clarify these issues and the basics of the program. Thank you!
I barely use it. does the higher credit line equal a higher future credit score?
Jan 132012
i bought a panasonic home theater with built in dvd player that comes with 5.1 speakers a few years ago that costed me $ 500 which is a lot for me. the receiver broke and the warranty expired. the speakers are still in good condition and they are tower speakers. i really dont want to throw them away so can i just buy another receiver to hook up the speakers with? will those expensive receivers WITHOUT the built in dvd players like onyx, yamaha, sony work with my speakers? or should i buy a cheap used receiver that has a built in dvd player from craigslist? i really want to keep my speakers since i paid a lot for them and they are still in good condition. just want to know if my speakers can handle the high end receivers. thanks
my old panasonic home theater costed a lot for me so i would hate to see it thrown away. dont know if this makes a difference but they are tower speakers.
great thanks for the advice. i just went and looked at the back of my speakers and the two tower speakers are 190 w each and the rear speakers are 90 w each center speaker 320 w sub 320 w. any recommendation on receivers? thanks
Recent Comments