Calling Allsex , Scrooge Uncles..and Other Home Owners..

[tom bhayya]

ok..assume the benchmark values for those...and give me the numbers...775 esko score. total income around 115-120 vesi., obvious 30yrs plan...

 

aa income ki 900k home ki loan antey naaku doubt ey :3D_Smiles_38:  take home lo some percentage kanna ekkuva EMI untey approve avvadhu
 

[Spartan]

aa income ki 900k home ki loan antey naaku doubt ey :3D_Smiles_38:  take home lo some percentage kanna ekkuva EMI untey approve avvadhu
 

 

oh ok...

 

daniki qualify avvali antey enta undali..?

 

any rule book % for that...

[MayaBazar]

Fake scroooge banned man

arey ram ga...

[tom bhayya]

oh ok...

 

daniki qualify avvali antey enta undali..?

 

any rule book % for that...

pedha banks aithey 28% chinnavi aithey 40% varaku chusthaaru anukunta.. best thing enti antey evari daggaran thelisina agent daggariki poyi pre approval cheyinchuko vaadu entha house afford cheyagalavo chepthaadu aa pre approval lo aa range lo houses vethukkovadamey...fremont lo desis ekkuva endhuku untaaru antey akkada anni budgets ki houses dorukuthaayi kabatti

[Spartan]

pedha banks aithey 28% chinnavi aithey 40% varaku chusthaaru anukunta.. best thing enti antey evari daggaran thelisina agent daggariki poyi pre approval cheyinchuko vaadu entha house afford cheyagalavo chepthaadu aa pre approval lo aa range lo houses vethukkovadamey...fremont lo desis ekkuva endhuku untaaru antey akkada anni budgets ki houses dorukuthaayi kabatti

 

hmm...Fremont kaadu kani ma area lo ne checking...

 

minimum is 540....adi kuda 2 Bed, 1 1/2 bath condo apt ki....

 

4 bed kavali ante...900K minimum listing adi bhi old construction... 2 yrs back same house 725 ki konnad inko friend...

 

e rents katte badalu....avi teskovadam better emo anukuntunna...atleast over the period of time appriciate avutadi price..

 

problem is with the Down payment/ Qualification/closing stuff.....

[tom bhayya]

hmm...Fremont kaadu kani ma area lo ne checking...

 

minimum is 540....adi kuda 2 Bed, 1 1/2 bath condo apt ki....

 

4 bed kavali ante...900K minimum listing adi bhi old construction... 2 yrs back same house 725 ki konnad inko friend...

 

e rents katte badalu....avi teskovadam better emo anukuntunna...atleast over the period of time appriciate avutadi price..

 

problem is with the Down payment/ Qualification/closing stuff.....

hmm buyers market poyindhi anukunta appreciation kosam aithey ippudu waste konadam house. 3 yrs back right time ippudu konna 10-20% kanna appreciate avvadhu economy biscuit aithey padipothundhi kuda baaga so long term settlement plan untey thappa investment kindha anukuni aithey vadhu..

[Spartan]

hmm buyers market poyindhi anukunta appreciation kosam aithey ippudu waste konadam house. 3 yrs back right time ippudu konna 10-20% kanna appreciate avvadhu economy biscuit aithey padipothundhi kuda baaga so long term settlement plan untey thappa investment kindha anukuni aithey vadhu..

 

aite wait cheyamantav...for until second income kicks in ...?

[k2s]

1) Mana pay ki at max $407k loan istharu... for normal APR.... if >$407 antey jumbo loan antaru..daniki oka 0.125% or 0.25% APR ekkuva untundi.. 

 

2) inka thumb rule enti ante,,, total EMI should be Less than 40% of you monthly income. oka vela neeku CC appulu, car loan etc unnai antey. vati EMIs entha authundi anedi chusi....adi 40% lo substract chesi...antha EMI ki projected loan istha antadu.... :( (for normal loan). For jumbo loan its a sep disco

 

3) For 900k house - 20% down ($180k) + Closing cost ($10kto $20k) + repairs(old house aitey) + appliances,basic necessities (new house aithey) etc 

 

 

 

[k2s]

aite wait cheyamantav...for until second income kicks in ...?

uncle families ki kuda shame apice lo FTE ochesindi :D

[Spartan]

1) Mana pay ki at max $407k loan istharu... for normal APR.... if >$407 antey jumbo loan antaru..daniki oka 0.125% or 0.25% APR ekkuva untundi.. 

 

2) inka thumb rule enti ante,,, total EMI should be Less than 40% of you monthly income. oka vela neeku CC appulu, car loan etc unnai antey. vati EMIs entha authundi anedi chusi....adi 40% lo substract chesi...antha EMI ki projected loan istha antadu.... :(

 

3) For 900k house - 20% down ($180k) + Closing cost ($10kto $20k) + repairs(old house aitey) + appliances,basic necessities (new house aithey) etc 

 

good post...

 

now xfer 180K (your one year income)  to my account...

[Spartan]

uncle families ki kuda shame apice lo FTE ochesindi :D

 

racha man....party now.. 

[Raja123]

(.L@

1) Mana pay ki at max $407k loan istharu... for normal APR.... if >$407 antey jumbo loan antaru..daniki oka 0.125% or 0.25% APR ekkuva untundi.. 

 

2) inka thumb rule enti ante,,, total EMI should be Less than 40% of you monthly income. oka vela neeku CC appulu, car loan etc unnai antey. vati EMIs entha authundi anedi chusi....adi 40% lo substract chesi...antha EMI ki projected loan istha antadu.... :( (for normal loan). For jumbo loan its a sep disco

 

3) For 900k house - 20% down ($180k) + Closing cost ($10kto $20k) + repairs(old house aitey) + appliances,basic necessities (new house aithey) etc 

 

[k2s]

good post...

 

now xfer 180K (your one year income)  to my account...

 

 

racha man....party now.. 

maa intikey inka 10% e kattina..migita 10% kattali.... $40k .. PMI paduthundi annavasram ga.... :(

danikey dikku ledu.. neeku $180k :buttkick: 

 

aa $180k e untey.. ikkada 3000 sqft pedda palace kathi iskool district lo kone vadini kada...

[Kick2]

arey ram ga...

Ohhh

[Raja123]

:15_3_321:

hmm buyers market poyindhi anukunta appreciation kosam aithey ippudu waste konadam house. 3 yrs back right time ippudu konna 10-20% kanna appreciate avvadhu economy biscuit aithey padipothundhi kuda baaga so long term settlement plan untey thappa investment kindha anukuni aithey vadhu..