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Student Housing Market

Glenn Said:

Will the volatile Housing and Mega Loan market affect the Stident Loan Market?

We Answered:

Sure. China have a financial plan for US...
I found interesting information about college loans, scholarships, college grants & partime works here. Good… luck!

Leonard Said:

Looking to Buy a house, is this a good market to do it in?

We Answered:

Now is a great time to buy. There are more homes on the market now than there has been over the last 3 years. The inventory of homes was steadily increasing until about 3 months ago and since then it has leveled off. This signals a potential topping of inventory.

With high inventory sellers are competing with each other for buyers, which means they are more likely to sell at a lower price.

I would choose a general location that is suitable for your lifestyle, access to work, hobbies, entertainment, etc. and then start shopping.

Hire a Realtor who will "REPRESENT YOU" that works mainly in the area of your interest. They should be able to show you all the choices in the area and help negotiate the best price and terms.

In summary, there are more homes to look at, sellers are competing for you and hiring a Realtor who can assist you in determining value should make for a good home buying process..

Joe Ballarino

Patsy Said:

If the housing market bubble has burst due to bad loans....?

We Answered:

No doubt, the economy is suffering everywhere. The real problem is that a lot of people live way above of their means, and now it's catching up to them. It was so easy to get credit everywhere, whereas when my parents were young, it just wasn't so readily available. Also, now a days, everyone has a degree. A bachelor's degree isn't worth much anymore, so we have to pursue "higher knowledge". More schooling = more student loans. This equates to ridiculous student loan payments. It's all a nasty cycle....not to mention inflation of EVERYTHING. 5 years ago, paying $3.00 for a gallon of gas was unheard of.

Ralph Said:

Can a full-time graduate student get a mortgage?

We Answered:

The good news is yes you can! Any approval will be subject to credit profile, debt ratios and other factors. Most important factor will be the continuation of income. Most lenders assume 2-3 yrs so if you have a contract, all the more better, also, some lenders allow for border income as a means to offset the mortgage payment. If you are in the health profession, then there are additional programs available, and the good news goes on.

Now for the bad...I can not address the tuition waiver..sorry, but if you have student loans outstanding, they'll need to be in deferement for 1-3 yrs so as not to be counted in your debt ratio. Rule of thumb is 38/41-45 with some conforming programs allowing as high as 65% back-end debt ratio. (total debt / by income) Your pre-approval with your current employer would in essence be worthless... especially if you are taking a pay cut. One scenario...would be a No-Doc loan, which is higher than a ful doc loan, but you do not have to job, no employment, no assets...hence no lie! Best advise..check with a good broker in the area you are looking to move to, and ask which way is best...if he tells you to go stated income (lie) keep moving. Good Luck!

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