Some cool castle pictures:
Castle in Tallinn at night
Image by neilalderney123
Castle in Tallinn at night
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Question by Mscandia68: With the recent mortgage crisis, pills is it still possible to do no-doc loans?
I have a good credit score (720) and a decent down payment (20 %) but I have only been at my job 6 months, stomach and I don’t work there in the summer. I will have to find seasonal summer work and I know that usually doesn’t count in the calculation. I plan to have a roommate to help me make the payments. Are there any reputable mortgage companies that still offer a no-doc loan based on good credit?
Best answer:
Answer by Shannon J
Were are you located? It could be possible but you want to make sure you are able to pay for the loan. A mortgage broker or loan offer may be able to shop the loan for you(normally a little higher interest rate than a bank). Banks are more challenging but with your scores you may want to talk to your personal bank about a loan. With your scores and a downpayment this is likely. There is other things that would be considered such as assets, savings and ira accounts. Your dept ratio is what it would all boil down to. If you have someone else that would be going on the loan with you and they have some decent credit it could be even more of a chance of an approval. Be carefull….don’t let everyone pull your credit.
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Question by Cookie On My Mind: Your opinions on Obama’s Loan Modification Program?
Okay, viagra order so we’re like most people – we’ve been negatively impacted by the economy. Hubby was in construction, that went bad, he found a new job, but now makes 1/2 of what he used to make. Anyway, so paying our bills has gotten a lot harder. Even trying to find 2nd jobs or better jobs is leading us to dead ends. We’re surviving, but it’s getting harder and harder.
I’ve been reading about the new Loan Modification program that Obama just put into place. Sure, it sounds good, but some parts leaving me thinking… hmmm… is this really a good idea???? Sure, I’d love for my mortgage payment to shrink… but after reading the details, it makes me worried about going for it. What do you guys think?
What really concerns me was the part I read about you getting a reduced interest rate for 5 years, then after the 5th year, it can increase 1% each year after that… is there a cap on that or what??
Best answer:
Answer by wizjp
It looks like a good start. The issue is almost impossible to adress; and I think they have a decent handle on at least trying to help some people out.
Know better? Leave your own answer in the comments!
FHA Mortgage Vs Conforming Mortgage : Which Is Better?
With just a few basic facts — today's mortgage rates, look current mortgage insurance premium schedules, visit this your expected downpayment percentage, and your credit score — you can more easily choose between an FHA mortgage and a conforming one. Click here …
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Mortgage risks underestimated, economists conclude
"Since many of the FHA borrowers refinancing are underwater, it will be difficult for them to exit the FHA system by either selling the house or refinancing into a non-FHA mortgage," the authors write. "As such, these borrowers may remain at risk of …
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Mortgage Rates : Improving Into Federal Reserve Meeting
The secondary benefit of QE3 is that its helping more U.S. homeowners get access to affordable refinancing. Since QE3 launched in mid-September 2012, mortgage rates are lower by close to a quarter-percent, with FHA and VA mortgage rates benefitting the …
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one hundred eighty degrees
Image by micah rich
hello again, diagnosis from california. something i didn’t expect has happened.
we haven’t done very much since the accident. we’ve gotten a few things done: looking for health insurance, cialis 40mg our taxes, more about junk like that. i’ve been icing my leg on and off, and taking some heavy duty ibuprofen. there’s this very painful lump on my bruise, i fear that it’s clotted blood, but fear knowing whether it is or not even more. i’m trying to stay off it, because it usually hurts when i move it too much. my whole body’s sore, and i’m just plain tired.
but yesterday caroline and i had a very long and serious talk. i’m not gonna stay in california. let me explain.
i left, a little bit after college, on the highest note i’d ever been on. we’d just finished the coolest project of my life, i’d made a ton of wonderful friends, done all manner of exciting californian things, i was healthy, and i’d just met this amazing girl. i’d been offered what seemed like an amazing job, and i left to go on a roadtrip, thinking i’d be back in a few months to start working again with my two work partners. i went home for the summer, lost that high, and got stuck in new york. the rest since then has been a struggle between this desire to succeed despite sometimes less than ideal circumstances, and this longing to return to that wonderful, sun filled perfection that was southern california before i left.
california always felt like the solution; if i could get back to california, i could get back to being me. i could get back to that girl, that health, that confidence, those friends. california was the missing piece of the puzzle.
i got back here a week ago. i spent the first few days trying to find a sailboat to live on, because that’s a dream of mine: sailing around the globe, adventuring without anything to tie me down, save my anchor when i chose to drop it. i figured living on a boat would be a good prep, and put me in a spot where i could learn how to sail. it wasn’t working, the boats were kind of expensive, though not much more than a crappy studio somewhere, but all the people that were renting were sketchy, and not returning my calls and such. so i was looking at other places, less nice places, either close to Otis, where my friends are, or close to Caroline, so i could come to her place to work everyday. i wanted places that were month-to-month, so i wouldn’t get stuck in a contract, and if i found a nice boat to live on, i could get out easily. they were tough to find, but i found a few decent ones, roughly the same price as a yearlong studio, or the boats.
and after the accident, i cared a lot more about health insurance. i can’t go without much longer, whether i think health insurance as an industry is a scam or not. it’s gonna cost more money per month than my previous health insurance plan, of nothing. and that plus the place, plus food, and the student loans i’ve been mostly ignoring. maybe the accident knocked some sense in to me, i joked, but i can’t keep this up. we were walking on the beach in venice the other day, with our feet in the sand on a bright sunny day, my toes in the pacific ocean, and all i could feel was this cloud over my head. i felt trapped, even in a place that should have been the epitome of relief.
the reason california was so wonderful last time was not because it was california. it was because i took the effort to get my life together: i learned how to be confident, i learned how to do what i wanted, and i was in control of my life & my emotions. i need that.
and while all this was unconsciously brewing in my mind, i was cruising craigslist for deals on my own apartment. and i happened to find this article, completely by accident. shelter may be a necessitiy, but having my own apartment? that’s just something i want. i hadn’t thought of it like that before. this financial burden, that debt i have, felt like it’ll constrain me until i’m dead. it felt like i couldn’t do anything, and no matter what i did, i wouldn’t have enough money to pay it off, and be free.
i have crazy dreams of living off in the middle of the jungle, or sailing from bay to bay on a coast in italy, or off in the woods in the middle of canada. i know that i would gladly sacrifice all kinds of modern conveniences to live like that, that’s never been an issue. but i can’t do it being financially trapped. having to pay 0 in student loans every month until I’m 45.
so. if i live at home, with my dad, my living expenses and food are covered. that’s, probably, at least 00 a month that i’m not spending. i can put pretty much all of my income into paying back this thousand school debt that i’ve accrued. and then i’ll be free. i can live off whatever meager salary i’m making after that, and not worry about anyone but me. i think, if i keep working hard, i can pay that whole amount off in 3 years. before, 3 years felt like a lifetime, but maybe 3 years isn’t so bad, if it means i can do anything i want, forever, after that.
some people will be disappointed in me for this, and some will think it’s a smart decision.
i was miserable at home, previously. i need to change that. i need to change my outlook and my habits, to get out of the house, have fun, enjoy alone time, and make real friends. maybe i can learn how to sail in skaneateles; it’s spring now, afterall. i’ll have a car, i can go exploring. maybe i can find a job that won’t interfere with my company, to help me meet people. it’s kind of like how some of my friends are taking 2 or 3 years to get their masters, only i’ll be eliminating the biggest barrier between me and feeling like i’m free.
i’ll stay in california for a few weeks – until a day or so after my birthday. it’ll give me a chance to catch up with my friends here, enjoy the beauties of california, and say some proper goodbyes at the end. i just need the right attitude.
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