Archive for October 2nd, 2007
Open Question: I had my payment schedule for my student loaned authorised on Friday, checked on-line today nothing there?
Tuesday, October 2nd, 2007 i ask because the girl who scanned it had an attitude problem, and im thinking maybe she didnt scan it, they say it should be there within 3 working day, i had it scanned on friday 28 sep, checked on line today and no payment made. Should i be concerned and start inquiring in the morning?
my bank is natwest, the loan was authorised on friday by my Uni. Im suspicious of the girl, coz at first she refused to scan it coz i didnt have any photo id, strange coz this my third year and never been asked this b4. went to the faculty and asked if they could get a printout with my pic, they couldnt. why they asked, told them and they has said they never heard of that b4. got a printout of personal info(w/o pic) and went back, the girls apologised, has said she can do it this time, but was really strange, she started blabbering on about a fewthing bout when she was a kid, than she asked me if i was hurt coz she refused to scan it first time round. I handnt slept for 34 hours and was really couldnt make sense of it, so i has said look is it scanned now, she has said yes, i has said well thats all that matters, and she seemed to get even more strange. The politics of dealing with people!!!
Open Question: How can I find a good deal on a mortgage in New York state?
Tuesday, October 2nd, 2007My wife and I are purchasing a house in Rochester New York. However, I don't have a job there yet. I am still working and living in North Carolina. I plan on moving there when I get a job, which should be soon. However, we have to purchase the house now. Some lenders don't like the fact that our sole income is out of state- don't consider it to be permanent since I plan on moving.
We are selling our house in North Carolina and will pay off a few of our credit card debt with the equity, but still have about $10,000 in credit card debt and about 10% to put down on the house in Rochester. Also, my income is about $52,000/year and the house is worth about $175,000. I also have about $25,000 in student loans, but no car loans or other loans.
I have a lender who is willing to finance our house, however the rate is 6.95%. I know that is high, but many lenders won't touch us because of out-of-the-area income. Should we just go with this rate, or can we do better?