Does anyone know the current rate of income support per week for lone parent with one child?
Answers: £100 not including child benefit.i know as used to get it.about £20 less if under 18.
try this link it will help with the calculations.
http://www.jobcentreplus.gov.uk/JCP/Cust...
There is no set rate. It depends on standard of living. The incomes of both parents, location, etc.
How do you refinance a mortgage? Who's best to go to? Bank? Private Lender?
Answers: Step 1. Get a copy of your credit report and FICO score.
Step 2. Go talk to loan officers at several banks and mortgage lenders and show them your credit report and FICO score and get their best rate in writing.
Step 2A. Buy a current publication (business newspaper or journal) that lists mortgage rates. Between your personal interviews and the published rates you should try and get at least a couple of dozen different terms for refinancing.
Step 3. Go to the lender/bank that currently holds your mortgage and show them all the rates you have collected and ask them to 'beat' the best offer. Give them the first 'option' of refinancing your loan. Because of that, they might offer the best rate. If they don't, take your business to the 'best' offer.
Figure on spending cash for closing costs in the several $1000 range (depending on the value of your home), but if you have equity greater than 25% you might also 'roll' the refinancing costs out of some of your equity to reduce your out-of-pocket expense.
One thing to consider: Subtract the new (refinanced) monthly payment from your current monthly payment. Now mutiply that by the number of months it takes to equal the closing costs of the refinance. Are you going to live in the house at least that many more months? If not, then it isn't worth it to refinance.
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A mortgage broker will shop around for you
I used one in Dec and I got a good deal!
I asked my existing mortgage bank first, and they offered CRAP
I live in Calif..where the cost of houses are more than most of the nation.
I am single...so I had to have something manageable...and my broker was better than I expected.
Its always best to shop around and do a lot of research. Use a quote engine such as https://www.bills.com/homeloan/mortgage_... which will put you in touch with several lenders. Speak to each one about your particular situation in as much as detail as possible. Even if none of them work out for you, you'd gain a lot of knowledge about the refinance process. Trust me.
If my husband is the one bringing in the money but my credit is better do they look at his for me to buy a car
Answers: Your socials are tied together once you are married. You can go buy a car, but they are going to check out his credit too. If both of your names are on the car, it won't matter.
That first comment is NOT correct. You have your own credit file and your spouse have their own credit file.
If both of you apply for a loan, etc they will run both credit reports (yours and your spouse) and if approved that loan will be on your report as well as your spouse and both are obligated to pay BUT no 2 persons (including spouses) share a credit file/report
Everyone have their own credit file regardless of their maritial status.
Now that's done, to answer your question: you can apply for the car loan in your name only and use his income as the source of income; they will ask for his paystub
I know this for a fact because I did the same thing. He got the car in his name but used my income along with his because he didnt make enough to afford the truck on his own income but I never gave my ss# or anything. My credit was never checked and he was approved once I gave them a copy of my paystub
Quite simply it depends on if you do a joint loan.
If you are able to qualify for the loan WITHOUT his income then they will NOT check his credit.
If you need to show his income in order to qualify for the loan, then they will also need to check his credit.
If he is on the loan, they will check his credit. If you can qualify without him, they will not check his credit