Tag Archive: income

I am going to apply for a home mortgage soon,but I may not get approved.?

I am applying for a110,000.00 mortgage am putting 70,000.00 down and financing 40,000.00.My credit is not very good. I mean it’s not the worst ,but poor.Do you think I can get financed for 40,000.00. Answer: You didn’t mention what your debt to income ratio is. You didn’t mention how much you make a year. You …

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why are the Banks and mortgage companies crying about loses when all the home loans have mortgage insurance?

I dont see why they have loses, its the insurance companies that are losing. The Bank collects on the default loan and have the houses too! Answer: Actually, insurance companies have insurance. Ever hear of reinsurance? I know, it pissed me off to learn that as well. None of them are really losing which is …

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My return goes down if I enter my 1098 mortgage interest on my primary home loan. Do I have to claim this?

My tax return goes down if I enter my 1098 mortgage interest paid on my primary home loan. Do I have to claim this “dedeuction”? Yes, I am itemizing. Turbotax, I add the 1098, and the refund goes from 6k to 3k. Do I have to enter it? Can I forego this “deduction”? No idea …

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What percentage of your monthly take-home income do you pay for rent/mortgage?

I’ve heard that your rent/mortgage should be 25% of your take home income……I can only wish for that living in Southern California; my rent is 0 (but it includes utilities also) and I bring home about 00 a month….so I’m paying 37.5% of my income on rent. Answer: visit daveramsey.com to learn ur hard lessons …

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How to qualify for a Home mortgage?

Answer: so first of all, you need to have some money for the down payment. There are some zero down payment loan but you need to have excellent credit score. so you will need to have at least 5% for down payment You will need to have two years of steady employment, if you change …

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what mortgage companies in washington state will approve you for a home loan with a recent bankruptcy?

i have a good job, ive been rebuilding my credit for 3 months with a car purchase and credit card, have a good debt/income ratio. filed chapter 7 and debts were discharged 9 months ago. looking for a mortgage company that will approve a home loan with less than 2 years from bankruptcy Answer:

Who can deduct mortgage interest and property taxes for a home residence.?

I live in my sons home and I pay all the mortgage and property taxes. Can I use the deductions or must it be the owner? thank you. Answer: The legal owner of the home that has been used as collateral to secure the mortgage for the home and makes the payments would be the …

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Are property taxes and home insurance included as part of mortgage debt?

NBC News said last night that debt should not exceed 38% of take home pay. Are property taxes and home insurance included as part of mortgage debt? Answer: When it comes to qualifying for a mortgage loan every lender WILL include the taxes, insurance and mortgage insurance (if any) in the debt to income ratio. …

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Best way to refinance mortgage/home equity line and remove co-borrower?

1st = 0K @ 5.62% 2nd = M @ 6.20% Home equity is 5K @ 7.2% Hoping to have just two loans. Conforming 7K and Home equity that would allow up to 2M in total debt so Home equity loan = M. Something like that. House is worth 0 or so……. I want to get …

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how should we get home mortgage when we have 4 years valid visa to live in uk? and what do we need to have?

my spouse is a student of glamorgan university and has a good income from our country and its 9 mounth that i’m working full time in the airport, so how can we apply to buy a house? Answer: I thought, depending on your country of origin that you could apply for a permanent visa after …

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