What would you do?
Ok so here's the situation: me and other 2 girls are renting a flat; we're having some problems beside it now: the hot slap in the kitchen is had it, the shower is not working properly as very well, the light surrounded by my room needs to be fixed, as does the fridge and the wardrobe in 2 rooms (they probably entail changing). We have spoken to the innkeeper already, he said he was gonna bid us back but he didn't. Also we call the plumber but he never came.I'm gonna see the hotelier tomorrow: is it fair of me if I ask for a riduction surrounded by the rent? We are paying for things that don't work properly.
What would you say?
thank you!
Answers: Tell him that he will any have to hold the items fixed to get his rent or permit you fix it and deduct the amount from your rent (provide receipts). Document adjectives problems with pictures and video. If he give you problems you can see if there is a more bureaucrat way of following up. However, surrounded by this case you run the risk of him not wanting to rent to you anymore.
I be a landlord at one time and I of late let my renters fix the problems and submit their receipts. They would enjoy to notify me before fixing it, however.
i would contact the hud department in your nouns http://www.hud.gov/renting/index.cfm
not have some unsystematic net stranger come fix it
bowdlerize; hud will come inspect your apt & if they deem it unsuitable they will withold the rent legaly untill your prob is fixed!
Document the evidence. Write to him to suggest that either you or him will hold to get somebody within to fix everything and post the letter via recorded/special transport and keep a copy and the receiving.
Then stop paying rent until he fixes it or decides to permit you do it.
If he does the latter ask whoever comes in to elevate the price on the invoice by lb30-50. Give the plumber/electrician etc a lb10-lb20 drink and keep the rest for a raining cats and dogs day. Thats what we did and we raise a kitty of around lb100!!
Post the receipts to him with a covering message stating that you have prepaid your rent by paying for the repairs and that you did write to him previously just about it. Again post it via recorded/special delivery and maintain a copy of everything.
Also mention that you have sought legitimate advice and that you enjoy been told to do this.
I have a 2003 double wide - in a park. We want to move it.can it be put on a basement?
Answers: yes but it would be ridiculously expensive.
Yes, it can be moved and it can be put on a basement, BUT it's going to be a very costly process. In order to move the double wide, it will have to be separated back down to two individual pieces and moved, just as it was when it was first put in place in the park.
I advise you to check into costs before you consider this any further. I fear you will be greatly surprised at the cost estimates to do what you are contemplating.
Yes,
I would call a couple mobile home dealers. They have the equipment and know how to get it done (they do it all the time). A lot of them take 'trade-ins' so they are not unaccustomed to moving an existing home.
As someone noted, if you need financing, it will not be easy and the rates somewhat unattractive. Look for small savings and loan type banks that keep their loans in house. They will be more likely to lend on this scenario.
Make sure you get at least two bids on everything, moving the house, well, septic, basement, the financing, etc. Some mobile home dealers may have an in with these types of contractors so you can ask them about that as well. Don't be afraid to use 4 (or more) different guys for each of the aspects. The guy that gives you one fat bid for everything may not be the best price. Often this guy will be subbing out all but one job that he does himself, and probably making a few extra bucks on each.
Good luck
Yes, but why would you want to put a trailer on a basement when the trailer is just going to depreciate?
It would cost you more to dig the basement out than the trailer is worth.
Want to buy a house over renting. But not sure how the mortgage works. Anyone attention to explain.?
Say I put 5-8 grand down on a house of let say 210,000. What monthly mortgage reimbursement would I be looking at? Then comes the cost of the rest. Plus property tax too right? Been renting forever so Im not sure how buying works. Just looking into it. Or would you hold to take a loan and afterwards a mortgage? Hows this work? Thanks!Answers: When most people buy houses they enjoy to get a specific type of loan certain as a mortgage. In your given scenario I suggest you try to an FHA loan because it only requires a 3 % down settlement (the actual FHA minimum is 2.25%) and on a $210k purchase 3% equals $6300. Not all mortgage brokers can do FHA loans. Amongst those who can, they will probable offer you a digit that you will pay monthly that includes your principal, interest taxes and insurance (home owners and private mortgage insurance whuch you are required to recompense until you have acheived 20% equity) aka "PITI". Because I don't know the charge and insurance rates where you live I can singular guess that your payment will be going on for $1500 -1600 per month. When you get a mortgage here are a bunch of fees you have to take-home pay in conjunction know as closing costs. Your local mortgage broker should be capable of give you a "Good Faith Estimate" that spells out what fees are your responsibility. Often you can wrap these fees into the body of the loan if you want to. I know this can be a scary process to approach so you might want to ask some support from a Realtor, whom you will likely entail help from when trying to find the right house and negotiate the purchase, because a flawless one could guide and protect your best interests through the mortgage process too. Good luck and congrats on not throwing your money away in your adjectives.
Julie, take a philosophical breath. Although the mortgage process is probably new to you, and does involve copious variables, keep within mind that with the right Broker or Banker, it can thoroughly rewarding as well.
First, 5-8% down on a loan amount of that size isn't really much of a down reimbursement. And although there are programs out within for little to no money down, and even though the rates are improving, your income will own more of an impact on getting approved for a loan.
Of course, your credit has something to read aloud for it as well!
Contacting a professional Mortgage Specialist is the first step. A well brought-up broker makes the process a personal experience and will explain it from start to finish.
True, after coming up near a mortgage payment amount, which will depend on rate and amount of down salary, property taxes are also added into the loan payment.
You're on the right track and hitting the marketplace at a great time. Renting in most cases is simply throwing your money away, and buying a house is the greatest investment anyone can ever make. Try the intermingle below for any more information on the loan process, calculators, and email.
Good Luck, hope I can help.
Great put somebody through the mill!
As a retired Mortgage Banker who has skilled thousands of loan officers how to earn incredible incomes, I would love to answer it. There are SO several people hungry for answers to such a great grill, that addressing them one at a time is SO ineffective. I own a free report available that anyone can access to get adjectives about adjectives the "dirty little secrets" of this business and HOW we as a society ended up within such a mess.
It bothers me greatly that so many associates, young AND mature, have be taken advantage of and NEED answers to prosper financially and not become a mortgage subject. If you DON'T get erudite BEFORE making a decision, you're subsequent in chain to be ripped off. Count on it.
I've be posting answers under numerous aliases on Yahoo! because I own to keep creating different accounts to do so. It seems the "establishment" prefers to keep hold of the public in the cloudy when it comes to exposing the truth about anything which could if truth be told help them avoid debacle. When faced next to a serious choice about something surrounded by your past suggest about what you should enjoy been made aware of by someone surrounded by "authority", but weren't. If you knew what "they" know, wouldn't you have made a better verdict?
Whether you're a first time buyer, moving up, refinancing, buying a foreclosure, short sale or trustee public sale or auction, you're going to need financing within place. First. Doing it ANY other way is wasting your time and a professional definite estate broker won't even LOOK at you or your offer unless your financing is contained by place. Don't believe me? Try it.
If you want to learn the industry from the inside, pop in my website. I can't type the internet address here or I'll be creating yet another Yahoo! report. I'll spell it for you. MortgageSelfDefense[dot]com. Type that into your web browser as you would a regular internet address and you'll gain there.
In accessory to the information you'll receive on the site, if you decide to be a free subscriber, you'll receive tips, technique and advice on regular intervals along near my personal contact information to ask questions.
I look forward to helping you.
P.S. I'm also a Real Estate Broker surrounded by two states (CA & NV) and have be since 1981. Having been so give me a unique perspective on the industry.
All mortgage loans are not created equal. If you are looking for a loan, you own probably discovered the array of loan types and options. It can be confusing forthe first-time borrower<!--and even for those beside more experience! Here, we will discuss the different types of loan options, and how they work.
http://mortgages-finance.awardspace.com/
First, nearby are two main broad category of mortgage loans: government loans (FHA, VA, and RHS, or Rural Housing Service loans) and conventional loans (all other loans). In common, government loans own low or no down payment requirements for the purchaser-->and are easier to qualify for than conventional loans. They are also guaranteed to the lender, which allows the borrower to buy more favorable loan terms.