Posts Tagged ‘current interest rate

Can I afford a 389k loan? We make $110k $115k a year.?

Thursday, July 30th, 2009

Can I afford a 389k loan? We make $110k $115k a year.?

My wife and I yucky $110,000 – $115,000 a year.

So we got an offer accepted on a house for a sale price of $389,000. The seller is going to pay $10,000 towards our closing costs and the agent will pay the difference. We are approved for 3.5% down FHA loan, which we have cash in our savings account. We have around $2100 in monthly bills + food + gas. This total does not include cable, water, gas, or electric. Our current cable bill is $150 a month. We estimate our house water bill at $100 a month. And we estimate gas & electric at $150 a month. So that’s a total of $2,500 in bills and living costs. We are now thinking that we might not be able to afford this house now. We have used a couple websites to see what the payment (PITI) would be at the current interest rate and I’ve seen between $2,600 and $2,900 a month. We’re freaking!!! I don’t know if we can afford this. Is this right? or will we be able to afford it? Are there any expert financial people that can help us out? Please…
Whoops, I forgot to add my anual Bonus to my yearly income. We make around $122,000 a year combined yucky income.

to combine the property of HUD, the program and have also believes that the FHA, but rather funded by all accounts, the time to save even if they were just a dwelling and they were just a dwelling in Can I afford a 389k loan? We make $110k $115k a year.? one of a decent credit score and want a very low credit approved. HUD does not make up this cost. to buy a first lien on which the Department insures.

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How can I buy a HUD home?

Monday, June 22nd, 2009

I just spoke with a lender today who stated that with HUD, an FHA loan will not cover anything more than the bid price for the home. That leaves closing costs, taxes, fix-up costs, etc… that will NOT be covered by the loan. Is this 100% right and is there a sensible alternative/option (non-cash) to overcoming this cost issue? Thank you in advance for your help.

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Mortgage Qualification?

Monday, June 22nd, 2009

I had a fha home loan that i defaulted on. I later filed for bankruptcy. my bankruptcy was discharged in may 2006. i have been rebuilding my credit ever since then. my credit scores are nearly to 700. i was told i can qualify for a new fha loan 3 years after defaulting on my previous loan. i am trying to buy a new home through fha. my lender is having a hard time getting me a new fha caviers number because fha did not pay off the original loan until feb 2007. i am being told that i can't get a new fha loan until feb 2010. are there any remedies for this problem or are there any other ways that i can get qualified for a mortgage? i was scheduled to close at the end of this month. all advice is welcome!!!

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Can my mom who is on HUD housing for rental property and is in an apt.?

Monday, June 22nd, 2009

Can she buy a house through HUD of FHA so that there are discounts? What kind of discounts? My mom is 72 yrs. I feel this would be a excellent thought so that not only is she getting a discount on rent . . . but instead she is getting a discount on mortgage pymts. and owning a house that appreciates so that she has a d*mn thing to leave to me when she dies.
Oh, . . .Is my Rage Coming thru ?
I reported Jinx for calling me a b*tch. You need to question yourself why you feel so strongly on this topic and let it stimulate a question for the forum, or stimulate research, other than just impulsively expressing rage at a weirder. In this world I find that it is useful to stretch my imagination . . . Imagine the scenarios that may make me feel this way . . . maybe don't apply your criteria and your personal experiences 100%. Leave 2 % chance that I may have different criteria in my setting.

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Is there construction financing available from the FHA in Manhattan?

Monday, June 22nd, 2009

I needed to know if I could get construction financing from the FHA for a property in Manhattan and if so, how much could I qualify for?

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Related search on ‘current interest rate

  1. An Italian judge on Wednesday ordered JPMorgan Chase, Deutsche Bank, UBS and a banking unit of the German company Hypo Real Estate Holding to stand trial for fraud in their handling of interest rate swaps acquired by the city of Milan in 2005. ... Last month he won convictions of current and former Google executives for violating privacy laws in a case that stemmed from a video uploaded to a Google-owned Web site. Jack Ewing contributed reporting from Frankfurt. ...

  1. Romanian Bank, controlled by Greek NBG Group, launched the package of payments "easy access", which offers an interest rate of 5% per year from current accounts in lei and combines three different banking products: current account, ...

  1. Current fixed mortgage rate has come down from the peak intensively in June 2009. In the last month in mortgage interest rates for 30-year mortgages remain close to six percent, and today they are back to almost five percent.

  1. For example, someone who wants to buy a $200000 house today with a 30-year mortgage would lock in the current 5% annual interest rate. The monthly payment would be $1073 a month. Interest rates, however, are at historically and ...

  1. Of course, with a 10 or 15 year mortgage, you may also risk paying higher rates than the current interest rates ? but since they are shorter term, there's less opportunity for this to happen. And shorter term fixed rate mortgages ...

  1. Home owners who are able to continue making repayment of the current amount will definitely benefit from this proposal to keep interest rates at the current level. There is continual pressure on many borrowers as they struggle to make ...

  1. What is great about this program is that even if the current interest rates are not exactly what will work for the term reduction, you have the option to use your homes equity to ?discount? or ?buy down? the interest rate. ...

  1. What is your current interest rate and is it fixed the life of the loan? Who owns your loan - Fannie/Freddie or is it FHA? ETA: you mentioned they said to "continue to make trail payments" - what were you paying in these trail payments ...

  1. 3/1 ARM** 3.875% (same) 4.423% $470.24 Interest and Principal ? Up to $1000000 purchase or refinance. Payment would adjust to $496.95 in 3 years (4.375% interest rate) if the rate were to adjust based on the current index rate ...

  1. However, if you are comfortable with other people living in the home, have a decent interest rate on your current mortgage, and are investment oriented, a lease option may be just right for you as the passive income can range from 20% ...