Renting & Real Estate - December 2007

am i required to get a appraisal my loan is at 77.65% and my lender requires me to get one but i was under the impression that according to the home protection act as long as my loan was under 78% of the original loan i didnt need one and pmi would automatically be cancelled anyone who can help thanks my lender is citimortgage i dont know who owns the pmi.

2007-12-05 00:36:11 · 5 answers · asked by gato 2

I'm a bit stuck! My flat is fine but the neighbourhood leaves a lot to be desired!! Mountains of rubbish outside, filthy lobby etc. I've tried advertising for a flatmate but no - ones going to want to live here. I've registered with a few flatshare sites but what I really want to find is somewhere I can advertise for someone to flat hunt with me. The classifieds don't seem to do it. Could afford a better bplace with the rent shared.

2007-12-05 00:20:03 · 7 answers · asked by diana - b 4

will all our stuff be covered on the landlords insurance or do we need to take out our own?

2007-12-05 00:12:24 · 17 answers · asked by Anonymous

I currently live on my own, with my 2 children in a Housing Assoc property. However, my boyfiend and I are looking at moving in together next year, and would like to go for shared ownership. Does he have to have lived in the property to apply for this.

2007-12-04 23:22:19 · 1 answers · asked by DENA S 2

Two months ago I moved into an apartment style condominium. The units have baseboard heat and a common boiler. Since I have been here, the heat has gone out 5 or 6 times. It is usually back on in about 24 hours. I live in a northern state and it's been cold enough to need heat pretty much since I've been here. I called the owner of the condo the first time it went out because I wasn't sure what the problem was, but now I see this is a regular occurance and I assume he has some knowledge of the situation. I would like to start planning a course of action. Should I call him each time the heat goes out? Should I call the city? Should I ignore the problem? I have purchased a space heater to get me by when the heat is out. And I use the electric oven to heat other parts of the apartment. Anyway..any advice?

2007-12-04 22:58:56 · 4 answers · asked by wittygee 1

our house is being bought by a cash buyer and we are not buying another house so no chain. the surveyor came yesterday so how long do you think to completion and exchange?

UK house

2007-12-04 21:04:14 · 12 answers · asked by sclodion 2

2007-12-04 19:41:38 · 6 answers · asked by dealladesmond07 1

I want out of the 1yr lease I am currently in due to the apt not having insulated windows, the landlord did not paint the apt like said, did not have a working fridge until one wk after 1st mths rent paid and not replacing the stove like specified. I do not have any of these duties in writting also the landlord(s) list both of their names on the lease but only of the landlords signed it. Does this make the lease void or is it legal since one of the two signed?

2007-12-04 14:52:55 · 5 answers · asked by Anonymous

What specifically are we gonna need to pay for? I'm not talking about furniture or stuff like that, i'm talking about rent, car insurance, etc. i know rent is gonna be $800 for the apartment we're looking at ($200 for each of us) and car insurance is gonna be $400. that's all i know.

2007-12-04 14:52:14 · 3 answers · asked by josh 1

she is a female

2007-12-04 14:47:32 · 7 answers · asked by Anonymous

When I was little my parents were forced to sell their dream home they built with there own hands and all of my best memories are in that home. I would love to buy that home back now that I'm married and am starting a family of my own. What's the possibility of being able to buy that home back even though it's not for sell? Make an offer? Would someone actually sell their home if someone made an offer?

2007-12-04 14:32:35 · 4 answers · asked by Joaquindsey 1

ng was fine. They said that there was a problem. Supposedly the the past owner (this is a bank foreclosure) purchased the home and never lived in it, probably used as rental property. They say that before we can close they need to have a disclaimer filed that says the previous owner did not file a homestead exemption on it. I called the appraisal office and they said that when it was purchased it had a homestead exemption by the last purchaser never put a homestead exemption on it. The title company says that we can't close without this disclaimer. The seller says that for every day past the schedulded closing date, my parents will be charged $100. What happens if the past owner can't be located? Is this comething the seller should have taken care of? My parents are having a fit about this. What are their options?

2007-12-04 13:32:52 · 3 answers · asked by Kathy S 1

I'd like to understand what I can expect in my upcoming home search in Charlotte, NC. I'm looking in South Charlotte and Union County and would like to find something under construction or less than 10 years old, and priced around $500k. I've heard recently of builders offering concessions of up to 20% and am wondering if this is accurate and/or also carrying over into the resale market.

Thanks!

2007-12-04 13:15:39 · 2 answers · asked by Pete R 1

where i can get a list of properties foreclosures. Do I need a licsence or a relastate agent.

2007-12-04 12:56:18 · 6 answers · asked by Adam K 1

My mother who is currently receiving ssi and i her son 18 both depressed applied to section 8 in February and its been about 8 months she received a letter in march stating that she was eligible and in priory 2 since me my mom and sister are living in my grandmothers house now they said probably in January will receive a letter and somebody in my psychiatry instituted also wrote a letter saying i would benifit me more if i get my own space any suggestions please help!

2007-12-04 12:47:20 · 3 answers · asked by Anonymous

Have Investors interested in purchasing Investment properties & are inquiring whether or not Michigan does Non-Recourse loans.

2007-12-04 12:36:11 · 1 answers · asked by anthonydhoward 1

Maybe a real estate agent or someone who recently purchased a home can help me out here. Say for example a home is listed for $80,000, how much is that home actually going to sell for. I guess what I'm asking is, what is the actual selling prices in relation to their list price?

2007-12-04 12:31:13 · 4 answers · asked by Jason 1

I'm a student, about to sign a lease for june 1st of this coming year. What does it mean in my lease:

"LESSEE(S) shall be responsible for the payment of real estate taxes and other assessments levied against the demised premises"?

Does this mean that I have to pay the real estate taxes on the property I'll be leasing for the year? Won't that work out to thousands of dollars?

I'm going to ask my landlord this before I sign, but I wanted some outside advice too.

Thanks.

2007-12-04 12:29:43 · 8 answers · asked by fflowykrab 1

i would like to move my home from northern indiana to south texas. i have not been able to find any companies that move more than 350 miles. any help would be appreciated.

2007-12-04 12:21:33 · 4 answers · asked by jay g 1

Can anyone give me information about what a real estate's agent's responsibilities are when the owners of the house have moved to another state, and agent is essentially trying to sell a vacated house? For instance, if the empty house is vandalized several times, does the real estate agent have any legal responsibility, for instance, if she was slow to alert the owners or some such thing? Can anyone give me some sites to look up about owners (sellers) and real estate agents when the owners have moved to another location?
Thank you very, very much.

2007-12-04 12:20:55 · 4 answers · asked by thedrisin 5

Since a judge has ruled that investors such as DeutschBank cannot foreclose because they do not hold the mortgage paper on the assets and since mortgage lenders such as Citibank do not hold the debt (although they may have the paper) then is it possible that the borrowers will be able to stay in their homes without paying another cent in mortgage payments? In other words if no one knows who is the holder of the direct debt on those homes then there is no one who can foreclose.

2007-12-04 12:19:07 · 1 answers · asked by librazone1948 7

I have my house on with 2 estate agents and selling privately too...my question is My buyer was introduced to me via an estate agent but i don't feel that they deserve the £3500 to sell my house as i am doing all the running around!!

When the agent sent people round to my house i showed them around and did all the question answering, i did not get any feedback from the agents or anything.

my house is not in bad condition at all.

do you think its bad and can they catch me if i dont tell them i am selling before my contract runs out with them on the 17th of decenmber???

i was going to say something else but 4got hmmmmm

2007-12-04 12:04:02 · 2 answers · asked by mjammy1978 3

I have been looking for apartments in NY City. Finally I found that I like. The agent told me that the Broker's fee is 15% of the yearly rent. I tried to negotiate but no luck. I had to accept it.

Than, during the process they asked me a $500 processing fee on top of the brokers fee.

I am planning to go to Better Business Bureau. Has anyone have any experience? Am I wrong?

2007-12-04 11:17:06 · 3 answers · asked by karaca_kestelli 1

if a real estate school says its accredited by the Texas Real Estate Commission.does this mean they wont accept financial aid? or what does it mean?

2007-12-04 11:06:13 · 2 answers · asked by Sohayla's Momma 2

My husband and I have the option to buy a nice 3 bed/2.5 bath home in a good area of San Diego for $480,000 which would make our payments somewhere between $3,000-$3,600 per month. We make decent money, but this would make things tight. Now we have the option to buy his parents old home 3 beds/3baths which would make our payments about $2,700 per month. We would get rent money from the studio house in the front part of the property which would make our payments $2,000 per month. This would free us up of a lot of money.

The only problem is that the 1st home is in a great area, has a lot of yard with grass, tons of plants, is very private and the 2nd (his parents) is in a very bad area, has a pool. There is a lot of crime and is less appealing. I wouldn't feel safe there. I don't know if it's a good idea to buy the home in the bad area. What do you think? Is it worth saving the money? This would help us out with the stress and I could finally buy a new car.

2007-12-04 10:23:36 · 10 answers · asked by Anonymous

In an example, I I make it known to the agent that I am interested in a property that is for sale and that property is already under contract and that sales does not go through, is the agent leagally obliged to inform the vendor of my interest or can they just immediately accept an offer from another party?

2007-12-04 10:08:08 · 7 answers · asked by Anonymous

Has anyone heard of such a house? It was built in 1910 or so. Besides the fact that the house is on a mudsill with no foundation, it is actually in good shape. Will the insurance companies insure a house directly on a mudsill with no foundation? If I need to put in a foundation, how much would that cost me? It is a 1200 sq ft house. This is in Santa Clara California (Silicon Valley).

2007-12-04 10:02:03 · 3 answers · asked by inglewood100thstreet 1

I have no clue but friend wants to know
first loan is fixed equity loan at 9.850 (104000)
second loan is conventional is conventional at 9.3 (26,00)
Is this typical? Are the loans both fixed? Should he be worried? I rent so I honestly dont know what to tell him.
Is he in danger? Are two loans for mortgage typical for 1st time home buyer?

2007-12-04 09:47:02 · 5 answers · asked by kiwi 1

2007-12-04 09:46:38 · 2 answers · asked by Danny R 1

what does this mean??? he requires rent the 1st of every month.. and told me if i give the deposit tomorrow he would pro-rate rent?? what does this mean??

2007-12-04 09:39:12 · 6 answers · asked by amethyst_mitchell 1