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Mikroblog on "house loan "

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I have to make a payment of credit card which is due since july 2007. Can I avail a house loan without paying.?Jason say:No, in fact if you have a six month old unpaid credit card bill you wont find it easy to get any credit.

Need to find a bank so I can get a personal loan-(I dont own a house) loan is to pay large bills?THEHUBORAT say:Find your local credit union you'll get better attention and a better rate

Can you get a house loan with varying income?Austin say:They will take your last 2 years of tax returns and average them if your income is not steady. If you have a decent down payment, good FICO score and low debt, you should be fine.

With the interest rates rising for house loans, why can't we use our superannuation funds to help out?Juan say:You must be Australian. We don't have that in the US.

Quick claim dilemma! My friend is divocrced but still financially responsible for a house loan..help?Lucas say:For future reference: NEVER give up TITLE to an asset until AFTER you KNOW you have ZERO liability related to the asset. Divorce court has NO jurisdiction over creditors. Suing HIM to force a sale is her best option.

I have recently been dealing with a Loan america Inc.Are they a legit company for a House loan?Charles say:According to the Better Business Burea they are a member and have resolved all complaints (14 in the last 3 years).They would be a legit company, however it's always best to shop for the best interest rates, closing costs, etc.You might try a company that compares rates of different banks.www.bbb.com

Where can I get a good rate on a house loan for a manufactured home?CaioGotardo say:We do fixed rate loans on manufactured homes every day. At McClain Funding we have a nationwide network of lenders which can give us several options for you to select from. Drop me an email or simply apply online.

What's so special about house loan ineterst when it comes to income tac return?liewcf say:No, you cannot add it on top of the standard deduction. If you use the mortgage interest/tax deduction, you must itemize. Many people may find a benefit to it because they have more than the standard deduction to itemize, thus reducing their gross income and reduce the tax they owe to the government.

How are points of house loan deducting my tax?Kyle say:Tax part of the question answered....Yes the points are deducted on the tax return. So is the intrest paid and taxes paid on the property that accured in that tax year. So any taxes, points, and intrest paid in this year, 2005 before dec 31 2005 will be on ur 1098 from the bank or mortage company. Everything on the form will be used on ur taxes... A schedule A will be used. It's not deducted dollar by dollar on a schedule A... everything is added up at the end of the schedule then a percentage is used on the 1040. If the figure is higher then what u will get on ur standard deduction then U had itemize. Schedule A - includes gifts or cash to charities, job expenses, union dues ect.

House loan interest, suggestions needed?kirbaybaay say:Check More about Home Loan Interest rates at :- http://www.deal4loans.com/home-loans-int…You can compare most the banks who provides a Home Loan.

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If I foreclose, will I be able to make another house loan? How soon and would interest rates go up?Dominic say:Maybe you could rent it out until you can get a better price and unload it in a year or two

If I am trying to get a house loan..and I rent out my condo?silv_ say:They will not include rental income if you have not been renting it for two years. Because you have to be able to show a steady stream of income from it to count it that way.

Can I get a house loan if I put down 70-80% cash and have a stated income?Gabriel say:Why dont you just buy a cheaper house that you can pay cash for?? That would save you alot of money.

How Private Mortgage Insurance (PMI) i have to pay each month for $175000 house loan.?ricardorayaki say:this is a estimation, it depends really on the loan to value, and if its 81% its less, if its 90% its more, and if its 95% it is even higher, best guess is .065 of the total loan divided by 12 months, so 175000x.065=1138.00/12=95.00 a month ball park, your loan officer and your good faith should give you exact costs.

What happen to a house loan if a mortgage company goes bankrupt?meatsand say:You will be notified by someone offical regarding your payments. Do not spend that money, save it.

Can the interest paid towards housing loan, get rebate in income tax before completion of house in Indiaa?Christopher say:HiNO

Trying to bye a new house Loan comp ran credit report,it said that i owe back taxes to IRS ,how do i find out?Aiden say:go to your local IRS office & get a statement of your account showing how much (if anything) you owe them & for which years. there is generally a 10 year limit after which IRS will not try to collect any taxes that are older than that.take the IRS statement to the loan company & see if that helps you get the loan. if not, get a new loan company. also have the credit reporting agency that furnished your credit report to the loan company update their files.

I am salaried person. Just completed House loan payments. If i take another house loan.?Patrick say:You will get the tax benefit.

Does using Cash advance to make Part payment for housing loan help?Sean say:Not necessary to do exact math if you look at the situation globally. If you can move principal loan value from one situation with a higher interest rate to one with a lower interest rate and not experience fees connected to paying out one or acquiring the other ~ go for it.If there are fees involved . . . then the math comes into play

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The house loan is only under my name, but my husband is the only one working?Jordan say:don't worry he is also liable for the note

How do i drop me being a cosigner on a house loan?yuyare say:Unfortunately cosigning doesn't work that way. You should never have cosigned for someone...the risks for your credit an finances is way too high...I'm sure you will never do it again though. It's too bad that once you are a cosigner you can't just stop being one at will. Whoever you cosigned for is being absolutely selfish to not help you out in your time of need..just shows that you put your credit on the line for someone who is a jerk.

What will happen if i cant pay my house loan?zetaaaf say:Bank will take the home back and u have to move.

Is there any way to get a house loan refinanced after filing bankruptcy?ahmetvehbi say:Hi,I used "Quicken Loans" to refinance my home.The rate is very low even though my credit score is very bad.Check it out here:http://QuickenLoans2010.notlong.com

When applying for a house loan is it necessary to have 3 lines of credit?Seth say:No having more credit cards and paying them off is a beacon to companies that you are useful to leech money and rip off, so I would think it is good for your score.-and no, checking it doesn't hurt.

Is it true a arm loan on a house never goes down even though?Isaac say:There are 1,3,5,7, & 10 year ARMs. Yes, it could go down depending on the terms of your loan, the margin & what index is used (LIBOR, 1 year treasury), the rate will be determined usually 45 days before the rate is due to change. Up until about 2 years ago people with ARMs fared very well with the rate staying the same or going down. I would put no one on an ARM now unless they knew for absolute certain they would be selling before the adjustment. Actually, in most cases, today's rates on a fixed are better than an ARM.

Appraisal is lower than purchase price for house, loan/appraisal contingency is 17 days but its 20 days today,?Robert say:To my knowledge you will not get the earnest money back. The whole point of the contingency period is to get all the inspections/appraisals done before that time period. Since it has been 20 days you are most likely out of luck

House loan, clarification requested?Alejandro say:You are lucky the bank is very soft towards you.Do not misuse the favour.

If i want borrow loan to buy a house, is this the right time?ArmyInfantryMom say:Its a good time if you have solid credit, income and some down payment - not because of interest rates as much as falling home prices.

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