is it possible to buy a home or condo near undeniably NO money beforehand?
Question:no downpayment, no closing costs, etcAnswers:
It's possible, but the interest rates on those kind of loans are slayer.
Investing money you don't have within a home is a really good style to lose the home - and all the payments you've made on it.
Other Answers:
Yes, near an FHA loan, request 6% sellers assit, and minister to from a program like Ameridream
You also involve to have similar to perfect credit and a upright income to qualify.
Wow...it intresting can you please tell me more cos i hold alot of people whom would love to enjoy a home a with out paying for it...or are u guyz tomfoolery out here..Plsssssssssssssssssssss let me know.
Yes it is.
Not 100% free.
You can put nothing money down.. typically called an 80/20 loan. Generally, if you put smaller amount than 20% down, you are required to pay a monthly insurance 'fee' call PMI - private mortgage insurance. With an 80/20 loan, you get a loan for 80% of the importance of a house and a loan for the 20% of the house.
The downside is that the 80% is at a higher interest rate.. my boyfriend, even beside excellent credit, got one at 7.1% instead of the flea market rate of 6.5% in my town.. and the 20% loan is even sophisticated and in some cases a floating loan. It's also a 15 year loan instead of a 30 year loan. His 2nd loan be 8.5%. Combined, you're paying more than a traditional loan but it's better than paying PMI and not getting the tax benefits or building equity contained by your home.
The loan I got for my first house be a Flex 97 loan. I put 3% down and pay no PMI - I also received 6.5% interest on it too.
Now if you travel with an 80/20 loan.. you will hold to pay prepaid expenses and escrow. On top of your elementary home loan, you pay your property duty and your home insurance. For my area, it added another 100 dollars a month to my important home loan. However, with prepaid expenses, you prepay a year and two months of property insurance and an extra two months of property export tax. That is due at closing. If you do not close on the last morning of the month, you will also pay prepaid interest. On a 121000 loan, that is to say approximately 21 dollars a day. You must prepay that as okay.
Most sellers will agree to wage closing costs, FYI.
You can - but you are taking on a HUGE risk. You are going to get hit next to a very big mortgage payment. Chances are - that if if you have no money to put down, you will not be able to cover the lofty mortgage payment.
Look for someone explicitly willing to vend a home to you with a lease remedy. It essentially means that you rent for a while next to a small amount of your montly rent going toward a predetermined sale price. When your credit smooth and income are good satisfactory to purchase you go win the house that you are already living in.
Are you working for Carlton Sheets?
YES if your credit and everything is up to stuff
take a 100% loan or two loans 80/20
then when your agent writes the volunteer to purchase
ask the seller for say aloud 4,000 in closing varys depending upon home your buying agent can back you estamate closing costs.
wrap the requested closing cost back into purchase price so its financed.
I do this adjectives the time for my clints most walk away from the closing table beside a couple hundered in within pocket along with the key to there clean home!
how is the cost of buiding materials affecting construction of exotic residential houses?
Question:explain why changes occur in supply, constraint, and price for new residential housing construction within the united states?Answers:
Although the cost of building materials have increased over time, the real cost is for the environment the home sits on. The land is worth much more than the building materials.
Other Answers:
change occured in supply is why cost of most materials go up. depending on what material in attendance are many reason
A big part of this is the economical explosion within China. They are having their own liberal of "industrial revolution" over there at the moment. I know around here, copper square is going for around $3/lb. People are able to flog new copper they bought second year for a profit as scrap this year. Same beside steel, aluminum, etc. Honestly not sure about residential so much, but commercial it is really putting a strain on.
Well so far it be simple that since the FED interest rates were lower everyone be interested in buying houses near good prices... so here was no difference that middle class line or rich family buy $600K - $800K house well. To stop that and keep difference contained by market feed started raising rate and that happen quick contained by short time that affected adjectives the fields and housing be a top topic that everyone tried to make money contained by 1 night...
Beside that steel, gold ingots and all the prices go up quickly and that artificial the market.
Well I would hold to say fuel prices for one entity have cause the material to increase within price, along with wages for labor. The hurricane if Mississippi have caused the prices to increase over emergency for building materials. Cost of shipping materials. Therefor the cost of housing is up.
The simple answer to that is 'supply and demand'. The more you have need of something, the more they will charge you for it. Remember the craze with the cabbage patch dolls? First they be selling for $4.95. Once the hype caught the fury, they went up to as much as $200.00. Supply and constraint!
well materials can affect prices for sure, but just if the homebuilders can pass that price on to the home buyers..within a bull RE market it is jammy..and a bull RE market will casue objects prices tot rise..especially a booming one..any way..when int rates rise and the buying frenzy subdues..the bazaar softens..and the builders are late to realize his so they hang on to buying materials but now they can't go past on cost to buyers because buyers are seeing the market softening and don't want to buy house for 500,000 when they enjoy a strong hunch thats no one else will any..then adjectives the buyers whisper. ..hey I muse I can buy this a lot cheaper if I dawdle a while...look at a stock chart notice how prices trend up after evntually will go down..RE will do this too...so after the price of materials won't matter because the builders and holders of inventory of homes will inevitability cash flow to clear expenses so they will start selling at reduced prices or offer rebate or incentives....this is a great sign that they need to supply badly and if you wiat you will squirrel away...look at stock charts of LEN ,TOL, KBH and other builders..notice how much complex prices of these stocks were freshly last year..consequently look how much lower the stock price was surrounded by 2001....common sense tell me these stock prices going down more...so ...when they bottom home prices will soon follow...remember many of these companies path overbuilt and of course greed is involved and knowing CEO s another scandal is imagined...so I think 20% lower prices for masses areas of country before bottom is a layup....much worse for most high-flying....don't be the last guy contained by this ponzi like team game..would you buy those shoes today if you thought they would be on sale subsequent week...? think around it...
Demand for materials....Hurricanes. New construction.
Reduction in supply........Forest fires. Exports. Slower growth compared to adjectives.
"Elementary", my dear Watson.
All the Hurricanes more building going on ...Forest Fires burning up lumber.Fule prices hurting trucking...up up up all the mode around. FEES...TaXES....
My aspiration is to be a homeowner by the time I am 30....I hold 7 years to accomplish that objective.....?
Question:How do I prepare to buy a house? What do I need to start working on within order to be in position and what process is involved with buying a home. I will be coming to the table next to $17, 500.Answers:
The only insist on I can give you is to buy something very soon. Even if it is a small condo. That way, you are building equity and not throwing money away on rent.
Then, 7 years from very soon, you will have much more to put down and can afford a better house.
For more details, consult a realtor. Just remember, any service (mortgage, inspector, title company, etc) that a realtor recommend will be paying the realtor a 'finders fee' which ultimately comes out of your pocket. Let the realtor tell you what you requirement and then shop around for the right inhabitants.
Other Answers:
We bought our first house (and current house) when I was 25. Go to a mortgage lender and see how much you can seize approved for.
Save, save, hide away...take out small loans and get going paying them back, in good time and early. Build your credit and you'll enjoy a way to prove that you clear on time.
I'm surrounded by the process of bulding my real estate website and hold a BUYER'S GUIDE -- http://buyers.premyiergroup.com/guide.php -- to give populace an idea of the process and how to start off. The site isn't finished but I hope it helps.
________________________
CAROLINE SIMMONS
REALTOR(R) & Affordable Housing Specialist
O. 866.894.3601 ~ C. 404.787.8685 ~ F. 404.745.8019
E. caroline@premyiergroup.com
First you have need of to talk to a mortgage lender and return with advised on how much you are approved for. Then you inevitability to hire a Real Estate agent to help you find the home specifically in that budget. I would suggest that you start that process presently since you only enjoy 7 years to do so. It all really depends on what you want and the nouns you live in. But I would start in a minute and talk to a mortgage lender and absolutely hire an agent. Good Luck!!
The first thing you want to do is procure pre-approved for a mortgage loan, so as to see how much house you are able to purchase base on the income of you and any spouse you might have as economically as what your credit score is. So you want to find yourself a mortgage "Broker"
You mentioned that you had approximately $17,500 to place down on a property, see if the mortgage broker is competent to get you a 100% mortgage that`s why all you will enjoy to do is come in next to the closing cost. In my opionion you should place as littel money down on property as possible. Verify this with the mortgage broker you select to represent you.
Before going to the mortgage broker you will involve to have worked within the same trade field or craft path for 2 years as powerfully as have paystubs for 2 months surrounded by a row for bothe you and any spouse you mitght have, you will also involve bank statements and any other hoard account statements approaching 401K programs at your job, stocks bonds etc.
Once you own decided to purchase a home and you own been pre-approved below no circumstances should you purchase any big ticket items like an automobile.
Your pre-approval will give an account you how much house you are able to purchase, the monthly payments, how much you own to put down if anything, you also will know the approximate closing cost. This is all base on your income and you present debts you presently owe, so you might want to pay stale as many debts as you can or pay cheque them down and don't make any unknown ones.
Once you have be pre-approved your mortgage banker should be capable of direct you in finding a top physical eastate agent in your nouns if not I hold added that below.
Find out what area of the city surrounded by which you want to live, then find a solid estate agent that is extremely familiar near that area, I would interview more or less 3 real estate agents to determine who I can work next to better.
There are a lot of agents that will want your business, but your situation is to make sure that you capture the best agent that knows the nouns, work in the nouns and not just adjectives over the entire city. If a person share you I am an experet in the entire city run as hurriedly as you can.
Make sure the agent can tell you around appreciation in the nouns you decide to purcahse, do they enjoy a few addresses they you are competent to look at now, (They should know the listings surrounded by their area programmed in the MLS (Multiple fact list services of hand if they are within fact working the area) the name and location of schools if you enjoy children or are planning to have children, they should know roughly the shopping locations and if there are plans for other commercial construction that might affect your property or edict to purchase in the nouns you have preferred. If an agent can't answer those questions lacking going back to his/her department, they probably don't work that area.
I hope this have been of some use to you, fitting luck.
"FIGHT ON"
Why wait so long? I'm 22 and own my own place. it's a duplex so i own no mortgage payments.
keep you credit verbs, about 650 best
stable career is important too
down pocket money for the best interest rate 20% is best how ever it's not nessary
Congratulations!
It is great that you have buried that you should be buying your own home. You thus understand that -
1. You will earnings no rent.
2. Get tax benefits due to mortgage interest estimate.
3. Your home will act as a quibble from inflation. Your home will appreciate along with inflation within the market.
4. Your monthly reimbursement will be fixed for the term of the loan.
5. You will build equity by repaying your loan (It works resembling mandatory savings).
I don't understand why you should obstruction buying a place! By waiting for 7 years...
1. You will not be able to pocket the gain.
2. You will be paying increasing rents.
3. You will not build equity.
What you can do today.
1. Get into a property that will cost you almost alike in rent after excise benefits. Say you are currently paying $750 in rent, you might at best completion up paying $950 after tax benefits. Or almost $1100 after your repayment. You can email me for detailed calculations.
2. Consult a mortgage agent for an almost zilch down program or a 5% down program.
3. If it is a drag at your current income level, you can choose an interest merely program.
Disclosure: I am a California licensed Realtor work with Century 21.
Once you turn to court for an eviction catch sight of, how long does the peacemaker afford you to move out. fayetteville nc?
Question:What is the legal time frame that you enjoy to move out? Can he tell you to be out within 2 weeks?Answers:
When you go on this site contained by you top right left paw corner click on, Laws & Statutes and then click on your state.
Fair Housing Agency:
Human Relations Commission
121 West Jones Street
Raleigh, NC 27603
(919) 733-7996
Notice of Entry: Reasonable Notice
Lease Termination: 7 Days (North Carolina Gen. Stat § 42-14) No statute on the amount of consideration required to increase rent
Security Deposit: Must be returned within 30 days
Consumer Protection Office:
Office of the Attorney General
Consumer Protection Section
Department of even-handedness
P.O. Box 629
Raleigh, NC 27602
(919) 733-4723
*****************
Other Answers:
Yes...in some cases it's 30 days...but the sort out could tell you to exit today!
Depends on why you're being evicted.
what is the livelihood for an underwriter surrounded by a home loan?
Question:Answers:
An underwriter has the responsibility of processing credit applications for home mortgages. They must evaluate the applicants credit worthiness, duty history and determine the value of the concrete estate collateral and make a financial finding to either extend credit (based on their lend ability) or deny the application.
What do you chew over of Professional legitimate estate investors group (PREIG) and their pattern www.preigcanada.com?
Question:Answers:
they are good professionals
fine website
cheers
Other Answers:
I've never worked next to this group, how ever i have work next to another investors group and it turn out to be a huge scam!
............
is the authentic estate souk inflated within adjectives most important cities surrounded by the u.s.?
Question:Answers:
I will agains the grain on this answer and here is the explanation why:
Following is an article I wrotte back contained by November 2005 and this still stands:
(FYI: Speculators GET OUT!! Real true investors/homeowners THERE MIGHT BE SOMETHING HERE!!)
REAL ESTATE MARKET BUBBLE BURST!?
Well, we’ve heard so much from so oodles different “experts” but we ask how many print medium columnists does it take to create a Real Estate flea market bubble? They really can’t but they can sure create fear on the consumer of a bursting housing bubble.
Most medium are always looking for ways to increase circulation, which would equal to profits in consequence any story suggesting a bursting bubble is going to attract readers. Not that they write this articles for the sole purpose of inducing apprehension on the consumer but don’t let medium stories convince you that a bubble will burst or even worst become a self fulfilling prophecy.
Ultimately, the consumer is the one that dictates if there will be a bubble burst within the Real Estate market.
Three esteemed facts that guide property values are:
Supply vs. Demand: If supply of housing is greater than the demand, housing values will drop. If the supply is smaller amount than the demand, housing values will rise.
(In California the supply have increased and demand have diminished therefore it have forced prices to dip)
Employment: This should be a no brainer. Solid and growing employment provides income for down payment and house payments.
Interest rates: This is highly powerful driver in creating and sustaining property values. When the rates are adequate, most people are ready to make impressive investments like purchasing a home. With lenders immediately offering easier loan programs to qualify, there are in a minute many citizens able to purchase a home.
Now, in recent times because lenders have be offering “generous” programs should not encourage inhabitants to go out and purchase any type of loan available. Many loans are dangerous and don’t fit next to everyone’s lifestyle and economic situation. Many loan agents own been rapid to over qualify borrowers and what’s worst not explain completely the pros and cons of each loan program available.
Rates own been creeping up little by little over days gone by couple of months and are expected to continue to rise a bit more subsequent year as well.
It could be possible the “bubble” will burst but not promising. The Real Estate market will most feasible will slow its rapid ascent, plane out and maybe dip a bit. But a big burst? I don’t believe so.
Nobody can tell what exactly will transpire in 2006 beside the Real Estate market or the interest rates. What you can do is bring informed and protect yourself against a busting of the bubble. You can sure minimize the damage if here was a burst by planning ahead. How in good health secured are you in your current undertaking? Your income? Have much equity have tied up next to loans? Does the equity you have immediately along with your hoard withstand a dip in your home’s appeal during the time you anticipate to own it?
Don’t stretch your finances by paying a high price for a home in recent times because you’re stubborn and want to have that home.
And one FINAL thought: If you are looking to invest surrounded by Real Estate, this might be the best time for you to do it IF AND ONLY IF you are a true investor looking to invest long term. Real Estate is the BEST investment you will ever engender in your energy!
If you are a speculator/flipper I suggest you dont do anything right now, you will closing up loosing money.
Other Answers:
Big-Time...it's going to bust..wait and see
Well Certainly it does have inflated and it will be mess if Feds want to raise rate on 29/30 June. and this is not individual in existing estate this is the market within all the field in adjectives the country.
Well chances are impressively less for marketplace to get bust , but instead of that the housing price will be steady for a while than to some extent than going up. The way ppl considered the gas price for a while and in a minute everyone is enjoying long weekend and stuff and nobody diligence for gas prices.. same thing today or next ppl will get subsidise in buying house and it will slowing grow .. but will bring time and thats a market rule... I really don't regard so. Houston is still very sound, and the percentage increases we've seen over the finishing few years are expected to continue. Unlike other cities where on earth the median price of a house can represent more than 50% of a person's income, and in some cases more than 70%, Houston's median home price represents smaller number than 30%. Two other major cities next to similar trends are Dallas and Cleveland.
If you can, take a look at the later issue of Money magazine. The main topic for the issue is the national housing open market, and they have projected trends for the largest 100 cities surrounded by the country. There are several (especially in the Midwest) that hold not peaked and are expected to continue to increase within the near adjectives.
How can I find out if someone have a Real Estate license within the state of California,?
Question:and how long they have have it?Answers:
You can go to http://www2.dre.ca.gov/PublicASP/pplinfo.asp for this information.
________________________
CAROLINE SIMMONS
REALTOR(R) & Affordable Housing Specialist
O. 866.894.3601 ~ C. 404.787.8685 ~ F. 404.745.8019
E. caroline@premyiergroup.com
Other Answers:
most states account agents on a state web site, merely do a little checking, phone your local board of Realtors and they should be able to administer you the web address.
G00GLE the concrete estate commision for CA
it will be listed may not own how long they have have it
NC just shows if its surrounded by good standing and if they enjoy ever been surrounded by trouble before
if they are working lower than a broker or have access to the MLS system they most likly are.
What are vital repairs for when I supply my house?
Question:My house is 20 years old and have a lot of things wrong beside it in the inside as far as mortal very aged. What things NEED to be replaced, etc?Answers:
Repairs that have need of to be made are those that violate the housing code. If a lot of repairs are needed, you might want to enjoy a home inspection performed up to that time listing the house for mart. The inspector should tell you adjectives the things that NEED to be fixed. Do not call the city or county; they may avow your house uninhabitable or worse.
The housing (building and fire safety code) violation will prevent a non-cash buyer from acquiring your home. You will necessitate to make these repairs earlier a non-cash buyer can acquire the house. In most cases, these repairs have a better than cost return on the investment. If the toilet is broken, a repair might cost $100, but a buyer will repay $1,000 not to have to verbs about why a toilet is broken contained by the first place.
For a cash buyer , these violation will significantly lower the offer for your house. Significantly mode much more than the repair costs.
A house has a everyday life of 40 to 60 years. A 20 year out-of-date house that has be typically maintained should not inevitability a lot to be replaced to receive it marketable, unless the house has not be maintained.
Other Answers:
Windows entail to be repaired. Doors need to work. No leak.
Basic first
roof leak , plumbing issues, electrical
then cosmetic second
Bathroom / kitchen floors, cabinet and so forth
do you have mold ??
That's largely up to negotiation between you, the buyer, and the lender.
Your real estate agent can push for what things you should work on to make your home as marketable as possible.
I'm getting equipped to put my place on the market. It is to some extent tired inside; carpeting needs replacing and the kitchen is a bit shop-worn but it all cleans up pretty powerfully. The one thing that would stop any buyer cold be some water incapacitate in the finished vault including rot in the reverse wall. I had quotes surrounded by excess of $20,000 to rip the wall out and rebuild it. I get a buddy of mine who is pretty good next to his hands but contained by the financial doldrums lately to help me do it myself. Materials run less than $1,000.00 including 4 contemporary good feature window unit. I paid him $2,000 for two weeks labor and his son $500.00 as a supporter. The job is done. It looks AMAZING! Another couple of hundred for some paint and I'll be geared up for the market! My friend, who would not adopt a hand-out, is in much better financial shape and his son is over the moon next to his "goldmine". And I'm good to walk for less than $4,000.00! Everybody win! Well, everybody but the twat contractor who wanted 20 sizeable, that is.
how can i locate the hotelier or owner of a property(Real EsTate) for proposal to rent or purchase?
Question:Answers:
This is an easy one. I specialize within real estate and hold do this a number of times.
90% of the time the owner is located where on earth the taxes are sent. The address of where the taxes are sent, at lowest possible in Washington State, is public diary.
I call the Treasurer's organization and request the mailing address for the taxes for XYZ property. I can any mail them or call in them directly.
Good luck, email me with any question!
Jared
Other Answers:
Try the land titles department
try to call concrete estates that are in that nouns and go for nearby
If you know any Realtor in your nouns, they can help you poke about the owner of a certain property next to their access in title companies. I am within California, if you are interested, I can help.
If you don't mind paying a small duty, go to http://www.homeinfomax.com - this site provides general property records, but first check the coverage to engineer sure your area is available. You will know how to search by address for any type of property (homes, commercial, land) and find the owner's baptize and mailing address (possible the phone number also).
Source(s):
http://www.homeinfomax.com
what is a short mart within existing estate and can you really net money stale it?
Question:Answers:
Basically it's asking the lender to accept smaller number than what's owed. So if a piece of property is worth 100k and has a loan on it for 105k and the lender is of a mind to take 80k, you very soon have a 20k profit if you vend the place.
Here's a good book:
Make Money contained by Short-Sale Foreclosures : How to Bypass Owners and Buy Directly from Lenders by Chantal Howell Carey
Also, in the above connection in the previous answer, Carl salaried way too much for the property, since probability are, the bank recoup its losses from an insurance company. The rule of thumb is 20% on the first and 7-10% on the second and/or other liens.
Regards
Other Answers:
Here's a link to a apt explanation. It's really too complicated to explain in detail here.
http://www.mortgagenewsdaily.com/752005_Real_Estate_Short_Sale.asp
Once you read the article, you'll probably see how the buyer might be capable of to turn a profit.
how do you find info on untaken houses that you see next to no for Dutch auction or for rent sign?
Question:in columbus ohioAnswers:
Go to City Hall beside the address. They'll give you duty and ownership info.
Other Answers:
http://franklin.governmaxa.com/propertymax/rover30.asp
go to this website and type within the address.. this will give you the owner's identify... then write them a missive
reversalmortage?
Question:i want to revers my mortage when i am 62Answers:
Reverse morgages are good planning. You will not get kicked out of your house. Part of the agreement is that you will capture to stay in your house as long as you live.
The switch to a reverse morgage is a) Your house must be payed off within FULL first. Otherwise you need to clear off the remaining symmetry first, which will hurt your payout.
2nd) don't worry give or take a few your kids. You can still leave your house to your children, where on earth upon your death, they can any pay final the morgage, or sell the house to paybake the morgage and save the balance.
A reverse morgage is base on your age and the value of your home. Those factor will determine the payout options you will recieve.
A home is one of the best investments for retirement and a reverse morgage let you take power of that.
Other Answers:
Better hope you die, before they income you off.
You'll be homeless at 85 which is bound to be difficult on the elderly, especially beside inflation. Reverse mortgages are not a good hypothesis. I would not recommend one.
Have you ever considered a home equity loan instead? Reverse mortgages are not necessarily a bad opinion, but you do have to get what you're getting into. If your primary goal is to depart a healthy estate to your heir, bad impression. If that's not your priority, then it may work for you.
Let's say aloud you have a house worth 300K, and you enjoy 200K equity. If you died today, and your kids sold the house, they'd split 200K (minus commissions, etc., but let's keep it simple). If you took out a reverse mortgage for 150K of your equity, you own the option of taking a lump sum or monthly payments. Again, let's hold it simple. You choose the lump sum. So you have 150K within your pocket, but your equity in the house is in a minute only 50K. If you died tomorrow, your kids would solitary get 50K to split, and the mortgage company take back the 150K they enjoy advanced you.
This is oversimplified, but just to make available you a general view. You'll pay loan fees, closing costs, etc, so the lender will produce money off you. I'd strongly suggest getting professional proposal, possibly from a financial advisor.
Source(s):
Just helped my parents return with a reverse mortgage...
How do I find out nearly property price trends within Edinburgh Scotland?
Question:Answers:
right move.com and also upmystreet.com also theres a website that gives you the information roughly what prices properties actually sold for if you provide the street name etc, but i cant remember the site
Other Answers:
ask round your local estate agents that'll relief
I'm an estate agent and can give you price trends for anything street or specific address that you request
does he hold the right to sue?
Question:can anybody out there comfort me with a problem i enjoy? This landlord is suing me for damages he say i did in a house. I rented for ten years. I moved out over a year ago and he wait atleast seven months to sue me. I thought there be a time frame to sue anybody. Somone had moved within four months after we left. He done some remodling so i focus he wants money for things he should have fixed while we were in that. this house is very old( built surrounded by the fiftys)me and my husband were renting from month to month. We also never give any money for damages.(deposit) we have to shift to court in a couple of weeks and we cannot afford a attorney. this landlord say he has pictuers but i dont know what thats going to prove because we lived here so long ago anybody could have done damages to this house contained by the time we have be gone. so is there any hope for us?Answers:
7 months should be resourcefully within the Statute of Limitations... that person said.... it is probably safe to assume that this manager was speaking near an atty immediately (within a month) after you moved out and it have taken about 6 months for the atty to bring back everything together and filed surrounded by with the court. If you lived nearby 10 yrs and he has dated photos after you moved out and in that is damage he remunerated to have repaired... next you owe. It also sounds like you are axiom "he can't prove it"... not that you didn't cause wreck. ("this landlord say he has pictuers but i dont know what thats going to prove because we lived here so long ago anybody could have done damages to this house")... you didn't read out that you didn't do it, you said he can't prove it... 2 very different things.
I have a couple living in my duplex... knock off a cover for a baseboard oven, never cleaned the kitchen, never cleaned a light fixture, stove/oven be filthy, closet doors off hinge, paint on furniture I let him use, pointer on the doors, play doh/food on the walls and this guy insisted that this was "common wear". Any time I have to call for in a professional to clean/repair.... that costs money and it is not an expense that the proprietor should bear if it isn't conventional wear and tear... i.e. a small hole in a eyeshade, chipped paint on a corner, an adjustment needing to be made on a door etc... My point is that what you appointment normal wear and what I send for normal wear may be 2 diff things.
Other Answers:
hmmm Now specifically odd, you didn't pay cheque a security deposit? Do you own any friends or neighbors that would be willing to run to court with you on your behalf. Seen the house when you lived contained by it? The things he didn't fix when he should have?
no.he can,t do that in a minute
when another is residing ther for four months
attorneys usually give free consultations. telephone call & make an appt. & ask.
Yes, he does hold the right to sue if he has some evidence that you may hold caused lay waste to to the house.
However, just because he have the right to sue doesn't mean he'll win.
Your best defense is to actively deny any knowledge of these damages and insist that they be not there when you not here. If you have any pictures of the place at the time you disappeared that contradict his claims you should make those available.
Well, you really do call for some legal guidance. See if the Legal Aid Society can assist, or see if there is a tenants' rights group within your area.
Even though you didn't own a deposit, you may be able to shield yourself against this by using your state's security deposit tenet. Most states require the landlord to submit an accounting inside either a specified number of days (usually 30) or a somewhat unfocused "reasonable time" after move-out. Most courts consider "credible time" to be 30 - 60 days at most. Argue that even though there be no security deposit, the proprietor shold still have notify you of any damages within that timeframe. Most states slab the landlord from making any deduction if they do not notify you within the stated time required. If you're lucky, you might receive the case tossed short even having to look after yourself.
At the very most minuscule you might want to go to the courthouse and recount the clerk that you want to file a motion for discovery to grasp copies of any evidence that the landlord have. This may or may not be an option surrounded by your state, but the clerk will let you know and may help out you if it is an option. At lowest you'd have copies of any evidence that the proprietor plans to use, and can prepare your defense based on that.
All of this is speculative base on my experiences as both a tenant and a landlord. Only an attorney can supply you legal counsel and only after proper consultation. Contact your State Bar Association for name of attorneys in your nouns. Initial consultations are usually free, or very low cost and may confer you all the peace of mind that you obligation. At the very least possible, you'll know what the law say and can prepare yourself for what comes next.
How much is he coming after you for?
The statute of limitations is mostly two years but it depends on the state and also the type of suit.
Try going to a Neighborhood Legal Services office. They enjoy tons of experience in this nouns. If the damages are what fall lower than normal wear and break he has no right to recuperate if they are legitimate damages you may be found liable. He will probably own repair bills to back up his shield but might be trying to get you to foot for his improvements.
If this is a large amount of money you should consult an attorney. It might cost you a few bucks in a minute but it could be cheaper than if you loose. Call the state bar association for a referral to an attorney who does Landlord Tenant work or the number for the Neighborhood Legal Services bureau in your nouns.
Good Luck!
One of the things he has to prove is that a> within was destroy done, and b> you are the ones who did the damage.
To establish A, he requests to show that the damage wasn't within when you moved into the house. This can be done with photos, expert nouns that the damage couldn't be more than X elderly, or a witness that says that they saw the house back you moved into it and it didn't have the destroy
To establish B, he's going to have to do much one and the same as A, only for right after you gone. Having pictures of damage contained by the house, so long after you moved out won't hold burden of proof. He'll have to own a newspaper or something resembling that in the frame to prove the timeframe, or hold a witness testify to the state of the place after you left.
From the court papers he provides, he should detail the damages to the house he's claiming. Go through your photo albums and look for pictures that happen to show that location, and bring them to court. If you can show that the violate was near all along, later he's failed to prove A.
Bring along witnesses as ably. People who would have see the house the way you moved out it. Nabours, people who help you move, etc. Anyone who can swear under oath that the desecrate he's claiming wasn't there when you vacate.
You should also look into the landlord-tenant act (or whichever moniker it goes beneath where you are) because some things are concidered "everyday wear and tear" on a house and are the landlord's responsability.
In the future, it's a biddable idea to rob along a camera when you are ready to move into a place progress through it with the proprietor and take pictures of every wall, floor and celing within every room, with close up pictures of any wreckage no matter how small. Have prints made, draw from your landlord to sign the subsidise of each one to show he adknowledges that it's origional, consequently mail them to yourself surrounded by a registered letter, but don't start on it. Do the same when you move. That way, contained by the future if something occur like this, you'll be capable of show a judge everything they call for to know to make a finding
It seems you get some good suggestion here. In small claims court I assume you will be heard at. Logically he will own to prove he owned the property by a lease when you first took possession plus he needs some documentation that adjectives was fine 10 years ago. The mediate will ask you if or not you did in certainty do the damages he claims. If you deny it then he have the burden of proof and his proof will be that you occupied it, so it must be your responsibility. A good intercede I feel would deny his claim because it appears he set you up knowing he have no deposit from you and this is his way of getting it. If he wasn't so money hungry consequently he would have not rented it so hurried. His receipts of his repair and labor bills in my thinking would not be ample proof that you in certainty did the damage, he as all right could bring the new tenant to court to swear it be that damaged when they view the property with him.If I be the judge I would ask you, if you did not do the mischief then show me proof where on earth you complained to the landlord for him to repair and when, so be prepared