Someone please help?

Dec 092011
 

Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $ 280,000. They estimate monthly expenses for utilities at $ 220, maintenance at $ 100, property taxes at $ 380, and home insurance payments at $ 50. Their only debt consists of car loans requiring a monthly payment of $ 350.

Kim’s gross income is $ 55,000/year and Dan’s is $ 38,000/year. They have saved about $ 60,000 in a money market fund on which they earned $ 5,840 last year. They plan to use most of this for a 20% down payment and closing costs. A lender is offering 30-year variable rate loans with an initial interest rate of 8% given a 20% down payment and closing costs equal to $ 1,000 plus 3 points.

Before making a purchase offer and applying for this loan, they would like to have some idea whether they might qualify.

Estimate the affordable mortgage and the affordable purchase price for the Bergholts.
Suppose they do qualify; what other factors might they consider before purchasing and taking out a home mortgage?
What future changes might present problems for the Bergholts?
If I knew how to do it I would not be asking for help. I am in my twenties and I have not gone through this type of situation.

Who can help with this?

Dec 082011
 

Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $ 280,000. They estimate monthly expenses for utilities at $ 220, maintenance at $ 100, property taxes at $ 380, and home insurance payments at $ 50. Their only debt consists of car loans requiring a monthly payment of $ 350.

Kim’s gross income is $ 55,000/year and Dan’s is $ 38,000/year. They have saved about $ 60,000 in a money market fund on which they earned $ 5,840 last year. They plan to use most of this for a 20% down payment and closing costs. A lender is offering 30-year variable rate loans with an initial interest rate of 8% given a 20% down payment and closing costs equal to $ 1,000 plus 3 points.

Before making a purchase offer and applying for this loan, they would like to have some idea whether they might qualify.

Estimate the affordable mortgage and the affordable purchase price for the Bergholts.
Suppose they do qualify; what other factors might they consider before purchasing and taking out a home mortgage?
What future changes might present problems for the Bergholts?

How would i do this?

Dec 062011
 

Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $ 280,000. They estimate monthly expenses for utilities at $ 220, maintenance at $ 100, property taxes at $ 380, and home insurance payments at $ 50. Their only debt consists of car loans requiring a monthly payment of $ 350.

Kim’s gross income is $ 55,000/year and Dan’s is $ 38,000/year. They have saved about $ 60,000 in a money market fund on which they earned $ 5,840 last year. They plan to use most of this for a 20% down payment and closing costs. A lender is offering 30-year variable rate loans with an initial interest rate of 8% given a 20% down payment and closing costs equal to $ 1,000 plus 3 points.

Before making a purchase offer and applying for this loan, they would like to have some idea whether they might qualify.

Estimate the affordable mortgage and the affordable purchase price for the Bergholts.
Show all work and explain each step carefully.

What states serve Car Title Loans?

Dec 062011
 

I know there are some states that do car title loans some states that don’t. Can anyone give me a list of states that do and states that don’t? Does Minnesota? Pennsylvania? Michigan? Ohio? Maryland? Washington? DC? Oklahoma? Nebraska? Virginia? Massachusetts? Rhode Island? Arkansas? North Carolina? Iowa? Missouri? Connecticut? South Carolina? Utah? Thank you.

If you pay your car loan off early, are you saved from some of the interest?

Dec 032011
 

I’ve heard that if you make extra mortgage payments, over the life of the loan, you can save tens of thousands of dollars. Is this also true for car loans? Or would you still be paying all the interest you would have if you waited the full term of the loan? I live in Virginia.

Estimate the affordable mortgage and the affordable purchase price for the Bergholts? Please help if you can.

Dec 032011
 

Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $ 280,000. They estimate monthly expenses for utilities at $ 220, maintenance at $ 100, property taxes at $ 380, and home insurance payments at $ 50. Their only debt consists of car loans requiring a monthly payment of $ 350.

Kim’s gross income is $ 55,000/year and Dan’s is $ 38,000/year. They have saved about $ 60,000 in a money market fund on which they earned $ 5,840 last year. They plan to use most of this for a 20% down payment and closing costs. A lender is offering 30-year variable rate loans with an initial interest rate of 8% given a 20% down payment and closing costs equal to $ 1,000 plus 3 points. Before making a purchase offer and applying for this loan, they would like to have some idea whether they might qualify.

How much would you be willing to pay for the following services on a monthly basis?

Dec 022011
 

Talk to a Primary Care Physician anytime 24 hours a day 7 days a week with unlimited access?

Identity Theft protection that guarantees their service to you?

Debt elimination system that helps you save up to 50% or more of the cost of your Mortgage, Car Loans, Credit Cards, etc.

Would Dave Ramsey recommend paying off your mortgage first then investing is say an IRA?

Dec 022011
 

We are 30 years old and have a little over 200,000. mortgage. Even in this economy we have over 100,000. in equity because my husband built our home. We have no investments other than our home and my husbands display lot (he is a carpenter and building garages and storage sheds, this lot is a commercial piece of property and we owe about 35,000. it would sell right now for about 70,000. with some time on the market.) These two real estate investments are it for us. We have been making extra payments on the commercial lot and hope to pay it off int he next 5 years. We usually pay about $ 100.00 extra on our home each month. We are a corporation so we choose not to pay into S.S. We do qualify for it though because we have paid in for enough years. We need to think about our future and we just aren’t sure where we need to focus our attention….Pay the mortgage off asap or invest in a IRA or what? I will really look forward to some intelligent advice!!!! Thanks so so much!
P.S. We have very small car loans totaling about 10,000. for both vehicles. We have a very low interest rate on a school loan.

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Dec 022011
 

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Video Rating: 3 / 5

Managing Debt For Dummies

Dec 162010
 

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