Problem is, I have a new mortgage with Nationwide and the first payment is due on the 1st. I have transferred the funds from my lloyds tsb account into our joint nationwide account (where the money is coming from) but it hasnt cleared?
Hi Guys, thanks for all your answers.
As additional info, I did a transfer via internet banking from my lloyds account to my Nationwide. The money has left my lloyds account but it is not as yet showing in my Nationwide account!

I was taken for a ride by a mortgage broker. He lied to me about the terms of my loan, lied on my application about my income, and lied about numerous other things. Now I am stuck in a horrible loan where my pricipal is rising unless I make this enormous payment. I can’t afford my payment and I also can’t afford a ton of legal fees. I filed a complaint with the attorney general of my state, but that didn’t do much. I need help!!!

I would like to find a program (online or for Microsoft works spreadsheet) that I could use to enter the amount of each payment that I make on my loan which would show me the remaining principle, total payoff amount remaining, and length of time until the mortgage is paid off, so that I could track the progress of the loan and how larger payments affect the balance of the loan. Does anyone know where I might be able to get such a thing? is there anything out there that is free of charge? Thanks in advance.

I cannot work outside the home due to my illness.We need an additional income to live. My credit is bad, but am working on making it better. I want to buy investment properties and help those just like myself. I need help in getting financed with no money down.

The same week my husband looked into a balance transfer credit card I started an application for a mortgage refinance to get rid of some credit card debt. My husband was turned down for the credit card now he is worried about the mortgage finance. We have had our mortgage with the same bank for 11 years. WIll there be a problem with the refinance? Like I said they alreaqdy saw our credit bureau reports and they were fine.

My husband lost his job a couple months ago. I have been a SAHM for over a year and due to the financial strain I’m going back to work starting Monday. My husband will also start a new job on Monday. We have kept up with our bills fairly well up to recently. But last month we were unable to make either of our mortgage payments (we have two because we took out an 80/20 loan) Assumably so, we’ve been dodging the phone calls from our mortgage people for weeks. Blessedly these jobs have worked out, only problem is it will be another two weeks for paychecks from either and what little money we have left we need to spend for daycare, gas, and food, until then. I know that the economy is crap right now and most americans are behind in their mortgages, but we never have been and it’s scaring the crap out of me. I don’t know much about this situation or if I need to let the mortgage companies in on what’s been going on ) and/or how far you can be behind before they take your house. HELP!

Some were reported within days, others have not shown up yet. We have excellent credit, no negative marks. Each has 15 year history, and each has about 20 accounts in that history including old mortgages, auto loans and currently many revolving with what will be about zero balance on about 125k open to buy. The only thing keeping our score down was high utilization. We want to refinance (and pay down) our mortgage due to an upcoming rate shift but wanted to wait to shop around until all paid debts had shown up. Can we call the creditors and ask them to report? Will they do that? Our scores are in the low 700’s and I expect a jump when the remaining 75% shows up as being paid. Thanks!

I filed bankruptcy about 4 years ago and my credit has been raising slowly. I pulled my credit report and found two medical collections against me that were not mine. I contacted the proper people and they agreed to remove them. Only one was removed and I have been trying for 6 months to get the other off. I have a letter stating they both were to be removed, but when applying for a mortgage online they pull my credit report and see a collection against me.
My debt to income ratio is pretty low so I sould qualify for a home purchase loan, but I have been turned down by my credit union.
Who offers home loans for people with credit problems?

and what costs would i be entitled to when it comes to the sale. title company? mortgage broker?

During the summer we completed the purchase of a new home. Our existing home which is in move in condition in a great area and being marketed at a competitive price has failed to sell because of the time of year and for no other reason. We are now committed to buy the other home however the sub prime mortgage market has collapsed in the meantime meaning that raising the bridging finance is proving next to impossible. We have 3 weeks to raise 150,000 pounds (I am in the UK). Our IFA is working hard to find a suitable mortgage product but the changing market conditions are making this very hard. We have no rich relatives. The issue is mostly that we were going to borrow on the 200K+ equity on our existing home self cert to do the bridge but the loan to value available has been dropped dramatically as lenders play safe, leaving us stuck with a problem in the meantime. Help! What is the quickest way to raise this money?
Can I just emphasise that I am in the UK, so need a loan in sterling. Also anyone who replies offering finance but without a phone number and website and some means of verifying themselves will be ignored.

What percentage (%) of your monthly household salary is taken up by your monthly mortgage payment?
A W - please can you clarify the mortgage not more than twice what now?

This question is actually for two people.
My cousin and I are new condo owners. He bought his 2 months ago and I bought mine 2 years ago. The market being what it is around Boston, we thought we would jump on the chance to buy one investment property, do some upgrades, maybe rent it or hold for resale. Those places are dirt cheap (less than ,000). It made sense until we thought about financing.

Being new owners, will we be able to obtain a mortgage or personal loan for say up to -60,000? We don’t want to co-sign for each other or get a co-signer because of future complications.

Is there any way we can do these transactions financed? Special mortgage, loan etc… At this point, we don’t have much equity in our houses so tapping into that would also be a no-go.

Thanks.

Visited a consultant and he asked us what price we were looking at vs. telling us our approval price. Is this right? This individual did not let us finish disclosing all accounts but just recommended that our "guess-timation" was good enough…

My husband and I are very seriously thinking about refinancing our current mortgage through Quicken Loans (online). What do you know about this company? Have you ever financed through it? I haven’t really heard anything bad about them… I just haven’t heard anything at all.. which concerns me. My husband foolishly says, "no news is good news…" Is he right? Tell me what you know!!! Please help this newlywed couple out!!

I’m interested in becoming a license mortgage broker in Indiana. What is the best way to go about this? In California we have to get our Real Estate Salesperson’s License. Not sure what the procedure is in Indiana.

I am planning to buy a new home in end of this year. I am a new buyer. What are the steps ? First whom I have to contact with real estate or mortgage ? How can I find out low mortgage rate ? What is the right decision that to apply mortgage in banks or mortgage finance companies ? is everywhere mortgage rates same or different ? How much I have to pay down payment? So many questions actually i do not know to ask. Please mail me all details. How should I find out reliable real estate and finance mortgage companies?

I am doing tax act online and this comes up. Do I have to fill this out?? I sold my home. The person who purchased it got their own loan via FHA. Does this mean I financed their mortgage??
so where do i enter my form 1098 mortgage interest statement? this is the taxes i PAID, right?

200K 300K etc.? Mortgage and interest rates?

We have been married six years. I bought my flat in 1997, before we got together in 1999. He has been registered as living at the flat since late 2001, so that it was easier to get married in January 2002. He works in construction so had previously worked away. He moved in around May 2005. He has never made a mortgage payment as he has a house mortgage he pays in the northeast of England, where he comes from. I have contributed to that but that doesn’t interest me. I can walk away from the house and all its contents. Can I legally make my husband leave the flat I am paying the mortgage on? How do I do it? He verbally abuses me and has broken things in the flat; he spits at me (to save hitting me, he says) and gets right up in my face, so that I am scared of him at times. He drinks at any opportunity and then does nothing in the house. I am fed up and need to lead a separate life, but he wont go! Please tell me what I can do. Thanks.

I have been approached by online mortgage companies to work from my home. I am skeptical of the promises of more loans for less money. Has anyone ever done this type of work before; and what was your experience with them?