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Noel, Most lenders will require the 4506-T, even on a streamline, because the secondary market wants it to be included and may not buy the loan without it. While the form states that you should not sign it if it is blank, the lender isn't going to be able to do anything other than get different combinations of the types of transcripts and the years
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Yes... I live in Maple Grove and work out of Roseville. I hope she has enjoyed the snow we've already had this year.
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Bank of America is regulated by the Office of the Comptroller of Currency (OCC). Contact the Office of the Comptroller of Currency (OCC) here: http://helpwithmybank.gov/ or call (800) 613-6743 Also, here is good info on the escrow accounts and the dispute process: http://www.hud.gov/offices/hsg/sfh/res/resp2605.cfm and http://www.hud.gov/offices/hsg
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Tim, Scenarios similar to the one you describe happen everyday. Because of the lending environment, the valuation of homes has taken center stage and no one wants to be accused of inflating values. It is very frustrating to borrowers and brokers alike. Look at the upside. You got a 30 year fixed rate mortgage under 5%. Do you realize just how lucky
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Could you give us more information as to where you have seen this "52 pay plan"... maybe a website or the nameof the company offering it? There are many companies who offer uniquely named products as marketing gimmicks. Some of these products have little additional benefit over standard mortgages.
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Since there is an easement, your neighbor is in violation of the easement by blocking your access. You and your fellow neighbors who use the road should speak with him and let him know that an easement was granted. Ifhe is unwilling to unblock the road, it would be best to contact an attorney who could provide you with your legal options.
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Russell, Unfortunately, the fact that you have been a good customer and are being proactive often times won't help you with the larger banks. You are one among many and often times the bank's policy doesn't allow for exceptions, even when they make sense. I too recommend finding a professional in your area via the Directory tab above.
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Eli, That is the type of advice you should be getting from your realtor. We have no idea the market conditions that you are working in nor a lot of specific information that your realtor will have. Ask your agent those questions and then act accordingly.
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FHA is still doing loans with as little as 3.5% down.
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It is doubtful that it would significantly affect your credit score either way unless you have very few other accounts on which your score would be based.