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12 Signs it is REALLY Time to Leave Your Job
If you're not thrilled with your present job, you're not alone. In fact, you're in the majority. A survey in Quality Digest magazine of 5,000 U.S. households found that fewer than half of all Americans are satisfied with their jobs.
"The level of...
25 Valuable Phone Numbers For Small Businesses Success
Starting and growing a small business can be a daunting and sometimes lonely process we have compiled a list of 25 helpful phone numbers for agencies and services that work with small businesses. They can give you information, ideas, and...
Buying A Home After Bankruptcy - Beware Of Shady Subprime Mortgage Lenders
If you have a recent bankruptcy and are looking to buy a home, be careful of unethical or predatory lenders. Whether you are looking online or offline for a mortgage lender, it is becoming increasingly more common that subprime lenders are taking...
Racism and You
Ethical question: You are in a local store. (This really happened.) An elderly, poorly-dressed lady is pushing a card, moving with obvious difficulty as she adds to her hoard first one item and then another. She finishes, and proceeds slowly – not...
The Ideas In Your Head Will Rule Your World
It does not matter where the ideas come from, and it doesn't matter whether they are right or wrong, once an idea is in your head, it will rule your world.
Only a few months ago I gave a keynote address to 3,000 people at a regional parenting...
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Buying A Home After Bankruptcy - Beware Of Shady Subprime Mortgage Lenders
If you have a recent bankruptcy and are looking to buy a home, be careful of unethical or predatory lenders. Whether you are looking online or offline for a mortgage lender, it is becoming increasingly more common that subprime lenders are taking advantage of bad credit borrowers.
Many lenders will take advantage of borrowers with recent bankruptcies and bad credit because they know that the borrowers loan options are limited. Sometimes these lenders will charge excessively high fees, extensive pre-payment penalties on the home or ask for a fee upfront to "process" the loan.
Here are some tips on applying for a mortgage loan after a bankruptcy:
Beware of the Lender Asking For a Fee Upfront - Anytime you are applying for a mortgage loan, the only fee you should ever have to pay is the application fee which covers the cost of the lender pulling your credit application. Some lending scams involve asking for a processing fee of hundreds to thousands to process the loan.
Compare Loan Offers - If you can compare from 3-4 mortgage application quotes then you will know what to expect the current interest rate for subprime mortgage loans to be. If you accept the first mortgage loan offer you have, you may be
paying a much higher interest rate than what is reasonable for your credit history.
Get Closing Costs in Writing - Brokers know that if a borrower has bad credit, they are most likely going to be more concerned about getting a reasonable interest rate and just getting approved than making sure they get normal closing costs. This is where many lenders will ding the borrower with credit problems. They will sometimes charge excessive closing cost fees. Get the list of closing costs in writing ahead of time and then do research online to make sure that the costs are reasonable. If the costs are not, go back to the lender and tell them that the closing costs are too high and you will not go through with the loan until they are lowered to be what is normal. The broker will usually comply, because they don't want the loan to fall through.
About The Author
Carrie Reeder is the owner of http://www.abcloanguide.com, an informational website about various types of loans.
View our recommended http://www.abcloanguide.com/mortgageafterbankruptcy.shtml lenders.
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