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Regional banks Well Fargo & Co., U. S. Bancorp and Marshall & Ilsley reported higher fourth- quarter profits, but increases in bad loans deepened concerns that a downturn in U. S. credit quality has started and possibly, might get worse….

A bad credit home loan mortgage online option is a lending business that specializes in working with individuals who wish to take out a home mortgage loan and have less than perfect credit. Generally, the standards associated with obtaining a loan are …

After a 20% down payment, with good credit the monthly housing payment will be $2,000 more or less.

banks want 28-30% ratio so you have to make at least $85K

…give or take

never ever do business like investments with a friend. could be difficult. you could loose shirt and a good friend

140.000?

prob….

if you are not married . the other person can refinance give your portion and get quit calim at closing and he/she will hold entire mortgage. but if there is no equty you would nee to sell as an option

Usually your house payment should not be more than 25% to 30% of your monthy income. In other words, if your take home pay is $5000. per month then your house payment should not exceed $1500 per month which would allow you to buy a house for $200,000. So double that for a $400,000 house.

There are mortgages which allow people to “state” their income, meaning their actual income is never actually checked. This type of mortgage usually requires a solid job history and excellent credit. Perhaps some of the people you know living in homes beyond their income have mortgages like that or they have interest only mortgages, adjustable mortgages or another type of mortgage which allows them a lower payment, therefore allowing them to qualify with lower income. On a standard mortgage, your debt to income is best if it is lower than 41%. To see how much of a home you would qualify for, check out your lenders/bank website or go to sites like these, bankrate.com, realtor.com, usbank.com or any other mortgage website. You shouldn’t have to enter any identity information, only some your income and bill figures. Hope this helps.