Home Mortagage Loan , Need suggestion

[crazymatta]

2 minutes ago, Batman_fan said:

Income is just base or after bonus 

gross pay.. underwriting appudu bonus lu avi ivi add cheyachu

[crazymatta]

2 minutes ago, Quickgun_murugan said:

you cant do that bruh...

try navy federal credit union

bro recnt gane NFCU lo account kosam docs pampina inka approval raaledu naa matta.. call cheyali

[Batman_fan]

Just now, crazymatta said:

gross pay.. underwriting appudu bonus lu avi ivi add cheyachu

Okay

[Quickgun_murugan]

Just now, crazymatta said:

bro recnt gane NFCU lo account kosam docs pampina inka approval raaledu naa matta.. call cheyali

yeah..aallu konchem slow ga chestaru panulu..

[crazymatta]

Just now, Batman_fan said:

Okay

nu bhi chusthunava bro ?

[Quickgun_murugan]

Just now, Quickgun_murugan said:

yeah..aallu konchem slow ga chestaru panulu..

Call them baa.. panaithadi..

[JANASENA]

12 minutes ago, iddaritho said:

I don't have pre approval letter and also i am just starting last week houses chusanu e week pre approval work lo unna 

so how should i start , go to some website  like lending tree and give my details and see which bank will provide me best rates and closing cost 

What precautions are needed to take when taking loan from Bank apart from mortgage interest ,  how is the closing cost going to affect 

1. Doesn't harm explore more options with local credit unions, banks, lending tree and quicken loans

2. Choose always fixed rates unless you decide to pay-off your loan within 5 to 7 yrs.

3. If you're a first time home buyer credit istharu (Bank or realtor) not sure evaristharo but ishtaru (experts throw some light)

4.Illu konesthey saripodu manaki em add-ons vashtunnayi ani choosukobvali. If its a new house, in FL state general ga washing machine and dryer lekunda ne konali. migatha states naaku teleddu taravata vatini konukkoni fix cheyainchukodaniki ado dabbul bokka. so mee realtor ni adugu I need washing m/c and dryer in my unit ani matladuko valle istharu. Nenu alagey chesanu naaku naa realtor ichadu. I saaved $850  

5. appliances meeda extra warranty emanna istharemo kanukko.

[crazymatta]

Just now, Quickgun_murugan said:

yeah..aallu konchem slow ga chestaru panulu..

yea vinna.. 8days ayindhi inko 2days aagi call chestha

[Quickgun_murugan]

Just now, crazymatta said:

yea vinna.. 8days ayindhi inko 2days aagi call chestha

inka Monday cheyy... illu chustunnava baa Austin lo?

etlunnay rates?

[iddaritho]

6 minutes ago, JANASENA said:

1. Doesn't harm explore more options with local credit unions, banks, lending tree and quicken loans

2. Choose always fixed rates unless you decide to pay-off your loan within 5 to 7 yrs.

3. If you're a first time home buyer credit istharu (Bank or realtor) not sure evaristharo but ishtaru (experts throw some light)

4.Illu konesthey saripodu manaki em add-ons vashtunnayi ani choosukobvali. If its a new house in FL state general ga washing machine and dryer lekunda ne konali. migatha states naaku teleddu taravata vatini konukkoni fix cheyainchukodaniki ado dabbul bokka. so mee realtor ni adugu I need washing m/c and dryer in my unit ani matladuko valle istharu. Nenu alagey chesanu naaku naa realtor ichadu. I saaved $850  

5. appliances meeda extra warranty emanna istharemo kanukko.

Which is better to go banks are credit union 

 

also please tell me how to negotiate the loan mortgage and also closing cost , 

closing cost entha undachu average ga for 350 K house , with 5 % down 

i am trying to avoid PMI without paying 20 % down , 

[Suhaas]

Also, Down pay and closing cost amount ki credible sources chupinchali where you got that money from ani... if that money came in to your account in the previous month or two. Paychecks are a valid source but  if a friend transferred 1000$ bucks recently that cannot be used as a down pay as far as I know. 

[iddaritho]

Experienced home owner , please suggest any other information and precautions to be noted prior to buying 

[Kalam_Youtheman]

40 minutes ago, crazymatta said:

best credit utilization 10-15% teesukochuko or debt-to-income ratio under 20% (usually 25-28 antaru) unte bettr.. dani vala mortgage score jump aythay interest takkuvaki vasthadhi

downpayment ki atleast 10% ayina undali or else you are nt ready to buy a home.. nd emergency fund undali it should be atleast 6-8months of expenses

10% pay chesthe eee emergency fund undadhuu ga maaa lantolllaki... mandatory ah bro emergency fund.. I knw just mana safety ki ani but mandatory ah ani

[JANASENA]

1 minute ago, iddaritho said:

Experienced home owner , please suggest any other information and precautions to be noted prior to buying 

patha illu anuko (before 2008) home inspection cheyyinchuko enduakntey there is a possibility of having defective chinese drywall. 

inka Radon gas levels telusthayi and AC unit working condition telushtundi. kotta illu anuko ivem avasaram ledu

 

 

[Kalam_Youtheman]

5 minutes ago, Suhaas said:

Also, Down pay and closing cost amount ki credible sources chupinchali where you got that money from ani... if that money came in to your account in the previous month or two. Paychecks are a valid source but  if a friend transferred 1000$ bucks recently that cannot be used as a down pay as far as I know. 

adhenti parents pampisthe cant we use that money for down ?