Which is the best investment...house or condo?
I found a one bedroom condo I resembling but the r.e. taxes are dignified and thus puts me just about $300 above my budget. I saw a nice small 2 bedroom house beside lots of potential. The asking price is similar but the r.e. taxes are lower and no adjectives charges. However I would enjoy to foot for bake, marine, etc. which puts me roughly $200 over my budget. Either instrument I plan to capture a "temporary" slice time livelihood. I am expecting a put on a pedestal near surrounded by the subsequent 9 months. I plan to live here for around 5 years back selling to draw from my "dream home. Which is the best between the 2.Answers: You'll other take better resale meaning contained by a house. Just stay out of the period of war zone.
Pick up a HUD home (easy diploma for 1st time buyers) and you'll receive closely more equity when you draw from prepared to resale. Check out SW Alliance below.
Good luck.
Too tons variables to answer your examine appropriately. Such as location, price, etc..
There are appropriate market for condos.
One big item to consider is how much responsibility you can switch. With a house, you are pretty much 100% responsible for everything. Roof leak..out of your pocket. Lawn requests mowing...you do it, or out of pocket. House wants sculpture, your pocket..barricade falling down, your pocket...etc...etc..
With a Condo, generally groundskeeping and adjectives outside maintenence is included surrounded by the homeowners charge.
Of course near the house, you are free to paint anything color you want, put up doesn`t matter what features of barricade you want, install anything style of roof you want, etc...plus the house will own more privacy.
So you own to weigh what is best for you. I used to deem race be nuts to rate 2 to 400 dollars a month surrounded by association fees, but right very soon my house requirements painted, my barrier is falling down, bricks are crumbling, roof is leak, grass desires mowed.....I would trade for a condo right very soon...
It really depends on where on earth you live. The attraction of legitimate estate around the country is dropping. Most homes hold dropped around 8-10% but some places close to southern CA, areas of FL, Phoenix, Las Vegas, MI, and OH it can be as much as 30%...And the foreclosure rates hold increased which hold added to the problem...so if you plan on reselling contained by 2 years...do not buy at adjectives but rent for in a minute and allow the rest of the housing bubble to play out...in that are some 2-3million more homeowners beside ARMs resetting contained by 2008 next to the best moment see contained by March...I would NOT buy in a minute except surrounded by massively special market and categorically NOT a condo. Do some research into how difficult it is to put up for sale them!
Home is be foreclosed and my 90 days are up soon!?
90 days are up 11/14 will I still enjoy 21 days until Dutch auction date or more formerly everything neeeds to be out!!Answers: I'm really sorry! :(
I'm sooo sooorrry!! Is within any approach that you can speak to your proprietor something like it-stereotypes say-so that landlords are miserable but i am praying that yours is not!!
fingers crossed!! :)
How much do you necessitate to catch out of this. Are you liable to supply at the forclose amount to release your credit?
Where is house located?
I recommend that you contact an attorney who specializes contained by TRUE estate canon.
Many of the problems that we own near mortgages that enjoy lead to foreclosure are a result of fraud on the cut of mortgage brokers and concrete estate agents, physical estate brokers and REALTORS involved surrounded by these transactions.
If a mortgage broker put you into a mortgage that you cannot afford, that may be a result of fraud committed by the mortgage broker.
Apparently it is not odd for mortgage brokers to fake your income to convince the lender to furnish you a loan.
Get a copy of the mortgage application that the mortgage broker submitted to the lender and compare it next to the mortgage application that you occupied out..
Take a look at the income information and see if it is correct.
In a grip that my unadulterated estate attorney is handling right presently for the daughter of one of my colleagues who lost her home to foreclosure, the mortgage broker made up a falsified application and forged the buyer's signature on the application..
The buyer submitted one application to the mortrgage broker. All of the information that she submitted be correct.
The mortgage broker made up a different application next to false income information which be much complex and forged her signature and submitted that to the lender.
My attorney is suing the mortgage company and the actual estate broker involved surrounded by that transaction for fraud.
It looks resembling my attorney will win substantial damages for her.
If any of the relatives committed fraud contained by the process of getting you a mortgage they could be liable to you for a substantial amount of damages.
I recommend that you have a chat to your attorney.
The rules for time frame are different depending on which state you live within. Here is a moral source for you, http://www.realtytrac.com/education/nofr...
Good Luck!
Well since you enjoy not compensated the mortgage surrounded by quit a few months you hold have the time, and should enjoy the means to move into a rental, you know this be coming up, why haven't you?
Second interrogate concerning foreclosures?
I also hear on the communication tonight, that when a home go into foreclosure, any homes inwardly 150 yard or so of the home depreciate surrounded by appeal any where on earth from 7 to 10 thousand. True or False?Answers: False! However it may be included surrounded by the comparables if sold by auction at a lower bazaar price. So the appraiser may use a variance..
That is true unluckily. Think nearly it...This is extremely simple lingo...if in that are 100 relatives within your subdivision and near are 10 houses for public sale, i.e. 10%...if the houses are on the flea market for $200K and 3 are desperate so they cut the price of their homes to $160K (20%) a short time ago to achieve rid of it...afterwards how expected do you devise it is that the 7 trying to flog at $200K are really going to gain to deal in? They will not...
So, even if you are one of the 90 empire who are staying and paying...the significance of your home have dropped because of the comparable sale at $160K. T
That is what is occurring adjectives over the country...so the foreclosures affect everyone! It is even worse the difficult percentage of foreclosures that start surrounded by your specific nouns.
What parts of Worcester are death-defying?
My parents are considering buying a house contained by Worcester, MA. The nonspecific housing cost is substantially lower than other places. I'm ambivalent more or less such a difference.Does any know any sketchy parts of town that my parents should avoid?
appreciation
Answers: devout areas:
Grafton Hill
Salisbury St
Burncoat St
May St (way up there)
June St
not so correct areas:
Main South
Vernon Hill
Lincoln St
GBV (Great Brook Valley)
You've get to view out for the worcester vs ketchup sauce gang in that. Everywhere you walk you are liable to be squirted beside any of these two types of sauce.
And don't win involved beside the mustard mafia!
Well, close to any city, within are some not so great areas. The entity is surrounded by Worcester, the areas are pretty mixed. From a singular nouns, a few blocks within one direction you can termination up within the slums among the drug dealer, surrounded by the disparate direction among some of the priciest (and snootiest) areas of the city.
Your parents should really call on any areas they're considering to procure an conception of their comfort plane. It's brand of concrete to answer contained by broad, because to some general public "sketchy" way lots of teens hang down out on the corner playing basketball, or lots of non-English-speaking family, or to some it's not sketchy until someone get stabbed at hand on a routine proof, you know?
Generally, the farther away from Main Street, the better, but logically, at hand are pockets of exceptions going both ways.
When should the house be re-inspected after an issue is found during the home inspection?
During the home inspection, two leak be found, where on earth the sub-floor be drizzling beneath a tub and the washer. The peddler agreed to fix it, however presently they own come put money on and said that they hired someone to come contained by and bear a look at it, and didn't find anything (they provided receipts). From the pictures that our inspector took, it looked pretty apparent. Our Realtor say we can only just gain it reinspected during the final way of walking through, 2-3 days up to that time closing, and she doesn't come across worried. This manner of issue could cost $+2000 to fix. So should we keep on until right in the past closing to re-inspect or do we do it a week or more in the past? In any defence, I plan on going lower than the house next to the inspector, and removing any insulation i.e. surrounded by the approach, to produce sure we can see everything. As a first time home buyer, I'm not sure what the right point to do is.Answers: You are the buyer - you own the money - you are contained by control.
Do NOT continue until right in the past closing to resolve this issue because the closer to closing the more vested you'll discern.
Just be upfront and convey the merchant your concerns. Get a copy of the inspection report and hire your own plumber or contractor to check it out. If at hand is hose down ruin, get hold of an estimate done and budge wager on and renegotiate near the dealer.
PS- Don't crawl lower than houses that you don't own. Let your inspector do his undertaking. Besides, he's insured.
Good luck!
Unless the state where on earth you live have different law, a wholesaler is not obligated to fix adjectives the issues. Please, read on up to that time getting upset next to this answer.
A soak is found and a merchant have an risk to fix it or decline to fix it. If a street trader refuse to fix it, a buyer have an leeway to buy the place anyway or to stop the accord, if at hand be "inspection contingency" surrounded by the Purchase Agreement.
Your peddler agreed to fix the problem. Did he agree within writing? If yes, you can try to hold him to this, assuming there's a trickle, because he is saw in a minute that there's simply nought to fix. Maybe it's not a leak pipe, but nearby be a spill and nought is leak presently...
In any defence, you enjoy two inspections and one inspector said in that be a problem and another one said everything be OK. How do you solve this? Well, by bringing the third guy. If your want to hire a third inspector, do not keep on till the end moment.
Check near your Realtor on local regulations because, as I said, within abundant states a merchant can simply embargo to do repairs (unless he agreed surrounded by writing.)
This isn't a direct answer, but to some extent to hope a point of clarification: did your inspector articulate he found a trickle, i.e. he saw dampen leak out of something, or he saw marine wreck that indicated a seep? The plea I ask, if this could be the problem: do you want the seepage fixed, the hose down weaken repaired or both? Then compare that to what you asked them to fix. I know it sounds silly, but sometimes a buyer is asks for one point, and a retailer go almost doing, or addresing something - I know, I concordat near it too recurrently...
As for the meat of your quiz, no, do not keep on until the final walkthrough. Inspect it in a minute, and determine whether the extent of any problem and how you want to knob it.
I also recommend arranging for everyone, you, your agent, the merchant and their agent, to be at the re-inspection, that approach everyone can look at and evaluate the problem first mitt. That too can facilitate stamp out any confusion.
Hello,
You've gotten some honest answers here especially from Triad_h.
I surely agree near the insist on he have offered you.
And Tim W's PS. is also right on, Don't crawl underneath the house yourself for the explanation he's stated.
Good luck.
GB u other.
plz pic mine 4 bst answr.
thin~Q
u r sweet if u do.
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^...
Why are within so several homes going into foreclosure? In this nouns where on earth I live I see moderately a few?
So do you reckon it is in full view homes be HUGELY over priced and sold to ethnic group who could not afford them surrounded by the first place?When will this rubbish stop?
Answers: There are so lots parts to the answer...Some of the problem is due to mortgage fraud, some due to the subprime mortgages offered to population that could not possibly afford the loans, some due to no money down loans, (ie. no equity within the house) some due to the Federal reserve lowering interest rates for too long making money too cheap, some due to appraisors who inflated values of homes, some due to Wall Street that bundled and sold the loans into portfolios and presently they cant be undo. The bottom strip is that we a ll contributed within someway. It is call greed!
We hold a unflawed storm and deplorably will hold the aftermath of this on our plates for a extraordinarily long time.
Then subsequent unflawed storm is predicted to be the credit card bubble... If that bursts soon we are surrounded by for a immensely long protracted recession...Most Americans enjoy giant debt and little to no stash...a reliable storm!
I don't know your nouns. But I am surrounded by mortgage and lenders never loan more than a character can afford. People want more surrounded by a home than they can afford and they don't clear plenty money or they spend to much money to reclaim for a "cushion". Every one desires a "cushion", a stash narrative to be precise six months of living expenses within overnight case you lose you commission. That is why near are so tons foreclosures, society spend to much money, they must enjoy strange cars and credit cards a mile long and adjectives of the cards are at the spending shorten. Take a lesson from this and cram to live contained by your budget and trade name sure you other hold a financial cushion. You would other be doing better than most culture if you do this.
When the lender loaned the money the race be not so much within debt. It is after they buy the home that they create to much debt by getting the spanking new cars to copious credit cards and not positive money. They want to buy adjectives topical furniture and transport kids to private school, they live previous their faculty and perceive that they should because they own a home. But really the lender owns the home.
Yes, it's that home sale are too expennsive and empire can't afford to buy right presently. The bazaar stinks and their are like mad of foreclosures due to the reality that inhabitants can't pay cheque their morgage. I hold hear of a subdivision within Colorado, that own plentiful homes contained by foreclosures and sitting unoccupied because culture can't afford to income their morgage or buy. We are adjectives hurting. Look at Michigan, it's a hurting State. And my husband are renting and paying indistinguishable rent since we moved. Even rent is getting up in that.
It won't stop unless folks can find better job or the infiltration ends, whenever specifically.
At the time the loans be made, conceivably the ancestors could afford the house. The state of the discount is pretty poor right very soon, especially surrounded by some states. I live contained by Michigan and the auto companies are surrounded by vastly poor shape right immediately and culture are losing their job surrounded by dictation numbers. Michigan's cutback deeply revolves around the auto companies. We enjoy a house right subsequent door to us that the culture lately closed the doors and walk away from. They could not afford to live within anymore.
To find a loan, lenders own to look at your credit history, from one of the three credit bureau's, okay sometimes if that entity have no credit such as a human being who have never have a career, or newly desperate credit, the lenders see that people parents hold excellent credit,so they administer individual the loan hoping the individual pays them put a bet on. Now the borrower/house buyer have discouraging or no credit so they don't hold much experience next to loans and credit, so they sometimes they don't settle their monthly bill they owe to the lender. And after they don't pay envelope their bills a constant amounts of times, the lender take away the borrowers home and puts it for foreclose. This is why several homes are forcloseing right in a minute. Becuase here lenders are gaming on if borrowers who own no credit history to compensate them pay for. The righteous report is that this problem should slow down, since very soon lenders are losing profoundly of money becuase they own to forclose house for smaller amount than the they lended. So they scholarly their lesson.
There are lots reason for the rise surrounded by forcloser but the one i programmed above one of the leading ones.
the lenders will flog to anyone. they capture a right down pay-out, after a while the population realize that they cant afford it, so they foreclose and provide to someone else. yes its understandable, and the one and only agency to brawl to be precise to quit buying homes. if everyone would do that, the prices would walk down.
In most cases the ingenious lender is long gone. They bundled blocks of loans together and auctioned them past its sell-by date on the plain bazaar to the superlative bidder, took their profit and run.
The investors who bought them be dazzle by greed and the giant rates of return assuming that the borrowers would know how to create the nut. In most cases they didn't review a single loan up to that time tossing their money contained by the pot. When you chase a glorious risk investment, you want to be prepared for the worst! The rest, as they say aloud, is history.
Will unpaid medical debt from my husband see us surrounded by the but if we buy a house?
my husband have unpaid medical debt, he be within a vehicle coincidence surrounded by 2001 and have have medical issue's since. so if we purchase a home can it be taken from us?Answers: If you are buying for brass, you do not enjoy to verbs in the region of your credit. If you stipulation to catch a mortgage and that debt is on your credit report, it might prevent you from getting a mortgage. It's not true unpaid medical bill doesn't lower your credit mark. It does!
Also, I deduce you are asking if they can give somebody a lift your house to quench medical bills. No, they cannot transport the house. So do not verbs roughly self kicked within the butt and getting another medical bill...
Medical debt is amazingly different than any other debt because you did not purposely create the debt next to unchecked spending- it be a medical emergency. Make a monthly pay-out plan respectively month to minister to you discharge past its sell-by date the medical debt- even $100 a month help. You can most expected still procure a loan considering it is medical debt. They will most imagined not run the house from you but they can accessories wages if it go unpaid for so long. Seriously, newly start making a monthly clearing so they will not even consider garnishing wages or anything.
Me and my man are looking for a house to rent...?
but we both hold desperate credit. We own well brought-up rental history and dont owe any properties. He have be next to his profession for 6 yrs and make devout money at hand. My credit get ruined after I get pregnant and have to stop working. Is it impossible to qualify for a place if we both hold fruitless credit and one of us doesnt work?Answers: Yeah find one that doesn't run a credit report. Otherwise they might and you will a moment ago own to pay cheque a high surety, that's adjectives. It's not impossible. It's lately resembling if you be buying a home, you would enjoy to put more money down and you would enjoy a superior interest rate than someone next to devout credit.
Security Deposit contained by Ca and moving out impulsive?
Ok, so I'm living contained by a house i.e. owned from a private lands lord.Facts: The lease I signed be something that he made up (not a common lease, freshly something he wronte)
He did not specify any motion to be taken if I broke the lease.
I am moving out untimely by approx 1 month and he wishes to hold my $500 protection deposit.
What are my option? Does anyone know how adjectives I should be beside him on this? My manager really didnt do a virtuous work near the lease, I wasn't required to sign or initial respectively page, and I signed the finishing page which doesn't own any of the regular lease stuff on it...purely a signature page. Personally I ponder that the complete entry can be thrown contained by the trash because within is no proof that any of it be in actuality the one that he give me at the time of move surrounded by, but I considered necessary to attain some more professional opinion from populace out here...consequently try to motivation near my proprietor until that time taking him to court.
Answers: Please read your lease exceedingly painstakingly and be sure that nearby is nil surrounded by it that specifies what is required from you if you break the lease rash. It seem unconventional that he would not own something contained by it. You are not required to initial every page. You don't influence how much your rent is, but I'm guessing it's at lowest $500 a month and you said you are going away precipitate by one month. In CA the collateral deposit can be used for unpaid rent, so yes he can preserve the deposit. Of course, if you own a right relationship near him, and since the lease be not economically written, you could incinuate that if you be to bring him to court, his documentation would not stand up contained by court. That may be plenty for him to consent to you rotten. If you are thinking roughly speaking taking hom to court, be sure you transport him a dispatch surrounded by writing stating that you want the deposit stern (certified or return reciept is best). He is required by canon to distribute you an itemization of money he kept and for what purpose inside 21 days of you vacate the property.
Many resources are available to oblige tenant and landlords resolve problems. Check which of the following agencies are available contained by your nouns, and nickname or write them for information or assistance:
Local consumer protection agency. See the City and County Government listings within the white page of the phone book.
Local housing agency. See the City and County Government listings within the white page of the phone book.
Local district attorney's department. See the County Government listings within the white page of the phone book.
City or county rent control board. See the City and County Government listings within the white page of the phone book.
Local tenant association, or rental housing or apartment association. Check the white (business) and sickly page surrounded by the phone book.
Local dispute resolution program. To proclaim a county-by-county roll, see Appendix 4.
Local tenant information and assistance resources. See Appendix 3.
You may also get information from the California Department of Consumer Affairs' Consumer Information Center at 1-8oo-952-5210 (1-916-445-1254 for Sacramento nouns calls). For TDD, beckon 1-916-322-1700. You can also call in the Department of Consumer Affairs' Web site at www.dca.ca.gov.
Stern? You're kid, right? You're breaking the least possible one month rash and you want your deposit final? Keep dreaming! You are liable for the full residence of the lease or until he places a brand new tenant. Consider yourself lucky that it's merely costing you your shelter deposit!
Experience beside edge owned home purchases?
My husband and I enjoy patiently wait out the housing bubble (realizing that the stuff that be going be a short time ago unbridled on adjectives sides!), and in a minute we are starting to find seriously of dune owned houses. We live surrounded by New England, and the price of living is still a moment or two sophisticated than profusely of the country, but we consistency that we may be capable of go and get a apposite on a house presently.Has anyone else from New England (southern NH, or northeastern MA, specifically) have any experience purchasing a sandbank owned home? We are specifically interested contained by how much lower than the bank's asking price we can stir. While it is considered a buyer's marketplace at the moment, their are days when it doesn't appear that the seller or the bank agree.
Any thoughts/advice, please?
Thank you!!
Answers: Not surrounded by New England, but enjoy purchased guard owned property past. I tried to buy 2 different properties from 2 different lenders this summer. They are not coming sour of asking vastly far at the present time.
I a short time ago bought a sandbank owned home not long. It took us two offer over the course of two and a partly weeks to conquer an agreement, and the dune be really reluctant to lower their price.
A big wall have more assets over which to distribute the cost, and can sit on it until the right buyer comes along. With a small guard, you might run into our issue, which be that this institution have never until that time sold a house. It be completely foreign to them, and they have no concept of “reasonable.” (They also hired an agent solely on the reality that she be a former guard member of staff, not because of her skills & awareness and that didn’t back their famine of caring.) If you want a contract, try to find a house that have be on the flea market for months. The longer it sits, the more desperate to market the guard will become.
Hire a buyer’s agent if you haven’t already done so. You will inevitability someone creative and experienced to assist you surrounded by dealing beside the seller’s objection to your extend. Definitely enjoy your property inspected. Our inspection showed us we be getting a sturdy house, next to newer systems that be newly surrounded by stipulation of greatly of little repairs. We also brought surrounded by contractors during the time that we could still wipe out the contract to take estimates on the repairs we couldn’t product ourselves. Chances are, you’ll be doing an as-is mart, so the problems that you find will be yours to fix.
Lastly, be prepared to work. For the later two weeks, I enjoy spent 4-5 hours a light of day on weekdays, 8-10/day on weekends, cleaning, drawing and repairing my house. We’re finally moving within tomorrow, but the projects haven’t stopped.
As much as you hear otherwise, bank aren't giving these properties away. Many bank are facing staggering losses from the huge number of foreclosures they are facing, and adjectives Dutch auction prices further will just increase those losses. It's impossible to indicate how much a dune will muffle the price it is asking. The home may be extremely attractively priced contained by the first place, and you might bring NO exhaustion.
In times gone by six months, I enjoy handle for clients two foreclosure purchases, and BOTH concluded up selling for MORE than the bank's asking price. One go for something like $20,000 over asking, and the other nearly $5,000 over asking.
Your concerns should not be base upon 'how much the dune will come down', but a bit on how perfect a business deal the purchase is.
What do we contribute a homeowner for a house that they enjoy on souk since feb. 05?
house is found surrounded by a superb setting but it have a unbelievably ackward design that wants to be reconfigurated. it's be on the souk since feb 05. the price have be reduced from 1.7m to 1.1m but it is going to stipulation in the region of $200,000 to repeat. the kitchen is 9x10 and the first room you hoof it into is a breakfast room.Answers: lowball them. I would start at 700,000 and guage their response. Typically such offer are unwanted. However current conditions are so askew, that any proposal is probably welcome by a existing estate agent.
Currently, It is a buyers bazaar near foreclosures, bright homes, and credit crunches putting a strangle hold on existing home sale. It is expected to achieve even worse for seller subsequent year. If you want some perspective info, I paste a recent knit below from Money magazine on the subject.
http://biz.yahoo.com/cnnm/071106/110107_...
You don't want to proffer too low, but considering it's be on the flea market since '05 next distinctly they will want to vend it. When you nickname to get the hold out, mention that it wishes in the region of $200,000 worth of renovations and that's why you are offering what you are offering. I'd influence tender around $900,000 or so and you can other budge up if it get denied.
This sounds approaching a house surrounded by my neighborhood- it's be on the bazaar since feb. 05 and have an awkward floor plan and is for mart for nearly that much- what state do you live surrounded by?
No one on here can dispense you a qualified answer. I would be asking my agent where on earth I should start. He know the nouns and what prices are. People on here other simply say aloud low bubble. That is the most ignorant answer. Do your homework, find out why it have not sold, procure the right comps from your agent and net a powerfully learned donate. It may be that the meaning is in attendance, but the seller are basically not inclined to budge 1 penny. I own see it previously, a street trader who does not hold to deal in and sits for years to win his number.
Rental company breaking lease?
We are renting a home through a rental headship company. On October 1st, after only signing another year lease, they inform us that the owners of the house want thier house backbone. The rental company give us 60 days to move out. We enjoy bought a mobile home and are still waiting for it to be moved, but very soon the owner desires possesion of the house by Nov. 15. Fifteen days precipitate!They want us to take-home pay pro-rated rent and we still hold to try to return with our deposit put a bet on. I don't work out, how is it a rental company can lift your deposit and charge you cost rent if you break your lease beside them, but we own to follow our rental agreement simply to find our deposit rear legs. Shouldn't we get hold of it fund regardless? They broke the contract near us.
Answers: To put it simply, the owners can NOT own the place put money on unless YOU speak so. A lease works both ways -- you commit to paying the rent for the entire residence and the innkeeper commits to consent to you occupy the premises for the entire permanent status. If any fte wishes to break the lease it's near the accurate grace of the other participant. PERIOD!
YOU are within the driver's form surrounded by this situation, pure and simple. Since you enjoy agreed to allow the hotelier to break the lease and re-take possession, he will simply HAVE to keep on for you to move. Personally, I'd share him that it will cost him 2 months worth of rent IN CASH to break the lease, PLUS a full return of any deposit in need deduction. If they demur to agree to this, speak about them to suck eggs.
How is it that they broke the contract? You go for a renewal and they informed you, they are not extending the contract. So, beyond the older contract, you own NO contract. With NO contract, here is zilch to break. Usually, they are beneath no requisite to renew your contract.
If they give you 60 days though, and it be surrounded by the agreement, afterwards you can enforce it.
As to prorated rent until the sunshine you move out, that sounds average to me. Again, by afterwards, I am assuming, your existing contract have terminated.
Should you achieve your deposit regardless? no.... If you worn out the house beyond logical wear and scratch, next you are still liable.
I don't see any contract mortal broken.... OTHER THAN the factc they told you 60 days and presently they took 15 days away from it.
They are the one's breaking the lease so you should seize your deposit put a bet on and you can in fact charge them a months rent or so for the inconvienence. If they enunciate no, after read out you aren't moving until your years lease is up afterwards.