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State Maryland
Legal status 馃毇
Prohibited

3540 Crain Hwy, Bowie, MD 20716

Maryland

Bowie

12524 Mattawoman Drive, Waldorf, MD 20601

Maryland

Waldorf

5119 Park Heights Avenue, Baltimore, MD 21215

Maryland

Baltimore

8641 Zetts Avenue Suite A, Gaithersburg, MD 20877

Maryland

Gaithersburg

12850 Middlebrook Rd, Germantown, MD 20874

Maryland

Germantown

Edmondson Village, Baltimore, MD 21201

Maryland

Baltimore

615 S Frederick Avenue No. East, Gaithersburg, MD 20877

Maryland

Gaithersburg

10610 Baltimore Avenue, Beltsville, MD 20705

Maryland

Beltsville

3400 East West Highway, Hyattsville, MD 20782

Maryland

Hyattsville

12524 Mattawoman Drive, Waldorf, MD 20601

Maryland

Waldorf


Frequently asked questions about day in loan maryland pay

  • My parents and I had a fight of sorts, and now I have to learn to be independent. I'm a sophomore at Maryland Inst College of Art, and my parents have been paying for everything - til now. Please give me some advice as to what I should do now? How would I change my status as a dependent to an independent student, and is there anything else I might have to worry about (like taxes, the IRS, etc)? Any advice on student loans? I'm also trying to find as many jobs as I can to start saving up money. Thanks guys!
  • Sorry you had a falling out with your parents - maybe you should consider apologizing (after all, tomorrow is Mother's Day)? In either case, now that you're on your own, your first stop should be with your college's financial aid office. They'll be able to map out a plan on how to pay for college and obtain student loans. Second stop is to get that job. Also check out http://www.fastweb.com for possible scholarships (though these are hard to come by). Good luck!
  • Unfortunately, you can not be considered independent for federal loan puposes if you are under 24, unmarried or do not have kids. It is nearly impossible for someone to convince the Financial Aid department that their parents have cut them off. So, besides trying to qualify for outside scholarships (which is insanely difficult) I would suggest trying to apply for a private school loan. Sometimes you need a cosigner for these types of loans but not always. It's always a good idea to at least try. Also, I don't know if you were already getting federal loans while you're parents were helping but you are entitled to a few thousand dollars a year as a dependent student. Finally, if you are determined to stay in school and pay for it your self, you have a few options. First, try finding a job that pays enough for you to pay your own tuition and living expenses while taking a few classes at a time. Or, look for full time jobs at the university that may give tuition waivers. I found a 20 hour a week job at my school that allows me to take 6 credits for free during fall and spring and 4 credits for free during summer. Finally, if you can find a job in your field of interest, maybe you can get tuition reimbursement while working. You have to ask your employeer for it. If all else fails, you may want to take a few years off, work and save money and then return to school after you're 25 years old, as an independent student. Then, you could borrow a ton more money in federal loans but don't forget you have to pay it all back eventually. Good Luck!!
  • The first thing you will need to do is fill out a FAFSA, but this is due soon, so you probably need to take care of that ASAP. This will get you aid from the government in the form of grants, loans, and work study. These loans are the best loans you can generally get because they offer the best interest rates and they can be consolidated after you graduate. Unfortunately, irregardless of who is paying for college, you will still have to use your parents income amounts, so, depending on their income, you may not be able to get the full amount you need to pay for college. You may qualify for work study, which is pretty much just an on campus job and you can use the money from that to pay for college. You can also get independent student loans from banks, etc. Just know that when you graduate you can't consolidate your non-federal student loans w/ the federal ones, and depending on the bank, you may not be able to get a fixed rate on these loans like you can for the federal loans. This means that you will have to pay a different amount each month, and most likely, the amount will increase each month. As far as jobs go, I don't know much about the location of your school, but it would probably be most beneficial to you in the long run if you can get a part time job that will give you experience related to your major. Waitressing is also a good option though because usually you can get a little more money at those jobs becuase of the tips. If it's not for you though, there are plenty of other options, just make sure you find a job that lets you keep school as your priority. You probably will need to discuss this w/ the employer before you even start. Good luck. In the mean time, I would work on trying to work things out with your parents. School costs a lot of money and being in debt when you get out of school is no fun. As far as being a dependant, technically your parents can still claim you if they want to, but you probably will be better off if they don't because then you will be able to deduct your student loans on your taxes. If you don't know anything about taxes, I would suggest having someone like H&R block help you out. But make sure your parents are aware that you are planning on claiming yourself.
  • FAFSA: Free Application for Federal Student Aid FAFSA Deadlines: Submit 2006-2007 FAFSA on the Web Applications by midnight Central Daylight time, July 2, 2007.
  • As I answered in a previous question, there are many families looking for a nanny or au pair. The situation can be one of either living with the family of living on your own. I have posted ads at the local colleges for help with my son and have found some excellent resources. As the situation meets mutual needs it is a win/win solution. Check with an office at the college that has a listing of job offers and also try placing an ad in a local newspaper or even the campus newspaper.
  • If you are less than 24 years old, you are SOL when it comes to independence for financial aid purposes. You could take out loans but as an art major, what are your potential job prospects and will you be making enough to pay them back? because you will have to, there is no bankruptcy for student loans. I would be a good child and kiss their @$$ if I were you to get the money coming back in again.
  • I know of good loan lender who can help you get a loan with low interest rate, contact Mrs. Helen Kent on her email: helenkent71@gmail.com
  • Why are all the answers so dull and short these days?
  • Not sure about that
  • Let's say your car was stolen from outside a bar...of course I want them to recover it, but how long do I have to drive around in a rental car? Are they just going to search for it indefinitely until it turns up all broken up somewhere like in a few months? What determines the actual date when the insurance just forks over a check if the police has not found it by some date? And is that date based on the insurance company's policy or my state's policy? A buddy of mine said they have 14 days to find it...another person said the police will look for it and if cannot find in 30 days...insurance should process my claim? I just want my car :(
  • Most policies and/or insurance companies allow up to 30 days. With a stolen car, most policies will provide a rental after 24 hours if car not found. If your car is found and if it sustained damages, it is cheaper to fix your car vs paying you for the value of your car if not found. Your insurance company wants to find your car. If found, then they might be able to know who stole the car and if damaged/totaled, then they can go after the person for reimbursement of what they pay or sue them for it. Also in any auto theft, they will do a lot of investigation into the facts of how it was stolen, who might want to steal it etc. Is there a car loan on your car? If so, are you current on your payments and if not, how far behind are you in the payments? Those are red flags when a car is stolen. Did you give the keys to someone to use, or since outside a bar, could have been drunk and someone stole the keys from you and was unaware due to being intoxicated. Only your insurance company can tell you. But very few will pay until they have exhausted all means which is usually around 30 days. good luck
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  • There is no time limit. It depends on the circumstances. All insurance companies make a VERY through investigation of stolen vehicles. It could take anywhere from a few weeks to a few months.
  • It is up to the insurance company. Ask your agent to know for certain. Quite often it is 30 days. Depending on the police investigation and other factors they could of course make it less or extend it. One of the first things they will look at is whether it is a fraudulent claim.
  • The cheque would have been issued 'with out prejudice', which ability they initially settle for the declare yet reserve the main appropriate to retract the grant. except you could instruct the autos pre-robbery situation, they might call for an excellent quantity of the fee back. coverage firms have been standard to grant scrap fee for a automobile with out MOT. As different contributors have already reported, MOT's at the instant are on a records base, the friendly storage for back-dated MOT's is component to the previous, although you may attempt and locate one which will back date a MOT appointment, yet which will improve suspicion. The argument LG forwards on the subject of travelling for an MOT is somewhat erroneous because of the fact the pre-booking device is there for that very purpose, it covers using the automobile for that journey. In maximum different circumstances, no tax or MOT does invalidate the coverage. i could propose that they have got asked to ensure the rfile because of the fact they have got here upon the reality and would learn that your autos absence on the tips base isn't purely a clerical blunders. i'm afraid you may could stand this one.
  • I can not sleep! The day before yesterday I woke up around 12 noon. Then that night I could not sleep. Yesterday morning I still could not sleep and yesterday night i could not sleep. It is after 3.30 am here now and i still cant sleep! What should i do? By the way i have pain in my neck that wont go away, It was been bothering me for almost 2 wk now. I took a vicodin 750 ml. the pain did not go away. I also took a few muscle relaxers still no result. I have no medical insurance now so i can not go in the ER. Anyways what should i do?
  • When you don鈥檛 have money to get the care you need: http://www.nlm.nih.gov/medlineplus/finan... http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as... http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalternative.html http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N Free and low cost prescription medication: http://www.nami.org/Template.cfm?section=about_medications&Template=/ContentManagement/contentDisplay.cfm&ContentID=19169 http://www.themedicineprogram.com/links.html This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.htm Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility鈥檚 area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibility/ http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publications/allpubs/KEN98-0050/default.asp http://depression.about.com/cs/findadoc/a/freelowcosttx.htm Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/financialassistance.html DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf http://www.raconline.org/info_guides/dental/dentalfaq.php FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/ Need eyeglasses or eye care? http://www.nei.nih.gov/health/financialaid.asp http://www.uniteforsight.org/freeclinics.php How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here鈥檚 a list for every state: http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: 路 Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code 路 For information in Spanish, call 1-800-504-7081 路 Call or contact your local Health Department.
  • The vicodin is more than likely what is keeping you awake try some warm milk I know it sounds like a dumb idea but it will help counteract the stimulants in the vicodin. Try a warm compress on your neck to help relieve the pain use a heating pad if you have one. If not get a wash cloth and wet it then heat it in the microwave for about a minute (microwaves vary so you may need to adjust the time) put it in a plastic bag and wrap it in a small dry towel like a kitchen towel and place it on you pillow when you lay down where it will come in contact with the area that hurts. You can reheat the washcloth as needed.
  • HI. I'm sorry to hear that! well i got sleep problems too! And i do take pills but it took me awhile to find out which one i should take! I'm scared what's in there! So i found Herbalife! 100% natural and they work great! I take also some pills for my muscles and the shakes they give you energy all day and your body needs! You can ask for help too! If you like visit: www.shopherbalife.com/dflinner Hope i could help you, good luck!
  • Try some OTC sleep aids. But aside from getting insurance there's not much you can do. Try using a tennis ball, lay on your back or side, and put the tennis ball where it hurts, and let your body weight do the rest. It's something called localized relaxation.
  • Exercises! When is the last time that you have really moved your body consistently? It makes a difference!! Try it, and it will help you sleep. If you are consistently exercising or masturbating and still not able to sleep, then I am stumped!
  • Sleeping disorders (insomia, sleepwalking or nightmares)may be rooted in some emotional or psychological problems. Hypnosis (hypnotherapy) has been known to provide some degree of relief. Try www.hypnosis-hk.com
  • that's pretty tough seeing how you've taken vicodin already . the only way though is to go to the doctor don't wait for it to get worse . i know you said you don't have insurance but for your sake try to see a doctor
  • Go to the ER anyhow. They have provision for people without insurance.
  • mmmm it happens to mee i just open tv het something boring to watch while i am sitting i just get bored and sleep if not then i stop thinking of whats in my mind......and dream about strange stuff such as mickey will come in then he will go out if not i just stare somewhere until i sleep if not then i go take a pill thats it...
  • maybe you could check out this web sit its really good but you good to the doctor it could something bad because you to get some sleep you will get sick it not good for you not get no sleep i know here in FL we have a walk in client her the web sit http://www.webmd.com/ hop you feed better soon Tammy
  • Ive been struggling with depession and anxiety since high school (im 26). Its gotten to the point that i cant handle it. Its affecting my life on a daily basis. I have serious escapism problems, too. Some days i think it sounds ridiculous to seek pro help, b/c i should be able to overcome this with the strength of myself. Im finding that i cant/wont save myself and will need help. I have no health insurance and very little extra money. I was injured at work last yr and havent fully recovered. This is the source of my financial trouble and much added stress. So where can i go in my position, who can help??
  • When you don鈥檛 have money to get the care you need: http://www.nlm.nih.gov/medlineplus/finan... http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as... http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalternative.html http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N Free and low cost prescription medication: http://www.nami.org/Template.cfm?section=about_medications&Template=/ContentManagement/contentDisplay.cfm&ContentID=19169 http://www.themedicineprogram.com/links.html This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.htm Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility鈥檚 area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibility/ http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publications/allpubs/KEN98-0050/default.asp http://depression.about.com/cs/findadoc/a/freelowcosttx.htm Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/financialassistance.html DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf http://www.raconline.org/info_guides/dental/dentalfaq.php FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/ Need eyeglasses or eye care? http://www.nei.nih.gov/health/financialaid.asp http://www.uniteforsight.org/freeclinics.php How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here鈥檚 a list for every state: http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: 路 Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code 路 For information in Spanish, call 1-800-504-7081 路 Call or contact your local Health Department.
  • have u tried on exercising, or anything of that sort, it often helps balance out chemicals (that pose problems such as drepression, hypertension etc.), you also get a good night sleep with it. Also look into hypnosis...if u have a personal pc, valla, u cud download a p2p software to get some audio files for hypnosis and then listen to them...(they help if u belive in it), other than that job is also an issue, afterall its a major part of ur life as well...u are making money from that and it is affecting u afterall. ask urself are u workin at the place u want to...if not i've seen that usually people take on easy jobs that pay just right enough and that gives u time on the job to study (not a bad idea trust me) or a perfect job wud be a night time security job at a library, where other employees are laid back, and u can whip out books from shelves and study...learn and then go to nearby colleges and get certifications...fast, get better jobs as well... this will boost your morale as well...i think wut u need is someone to talk to...nothing is wrong with that as long as the person you talk to is discreet about the matter, helpful and really wants the best for you. check out sites for jobs such as: http://www.craigslist.org/about/cities.html http://www.hotjobs.com http://www.careerbuilder.com any furthur help, do talk to someone as to what precisely u look for. hope it helps
  • Try your local DHHR office or health department and see if they can send you in the right direction. If that doesn't work out in a positive direction for you, then try to find your local United Way. In most locations the UNited Way has a program called Family Services where they offer counceling/Therapy services to people that are based on income. If it's determined by your councelor/therapist that you need to see a doctor to obtain medication or whatever other need you may have, they will also help you out in that department by finding you a doctor to go to that is also based on income. They are all liscenced councelors or therapists, and most have experience specialized fields, i.e., ADHD, Sexual Abuse, Bi-Polar, depression, that type of thing, if that would apply to you. They are extremely helpful in just about everyway possible. Give them a try and see what they can do.
  • You may want to check out Blue Cross Blue Shields. I use to think they were very expensive but I got my son into the Blue program and I was paying $122 per month. All his generic medications are free. Co-pays are very inexpensive.I need to mention my son is an asthmatic so I thought for sure I would have to pay extraordinary amount. I love the insurance thus far. You may be able to work a payment plan with them also.
  • Good Samaritan Ministries operate its headquarters in Beaverton, Or. They are a free ministry offered to anyone of any race, creed, religion, income. They have professional counselors who've given up secular paid counseling work to counsel those who need the help but are not able to pay professional fees. Check out their website: www.goodsamaritanministries.org They have centers all over the US and elsewhere in other countries. You may IM me if you want further assistance on this matter.
  • Go to your library and look for a book on Cognitive Behaviour Therapy. Its all common sense, none of it will suprise you but it will help you put things in order trust me. Depression is a circle or what is also known as a positive feedback. Depression makes you feel down, that makes you depressed etc. Talk to friends or fmaily, that doesnt cost anything. I fel all alone when I started having anxiety / depression. turned out when I told people they were very supportive and even suffered themselves. Wishing you a speedy recovery
  • Knowledge the character of any cultural situation and being able to fold and adjust the specific situation on your own conclusion use is something that you desire on the you may be in total control of any condition applying Black Ops Hypnosis that you will discover here https://tr.im/iIo14 . With this specific plan you'll experience peace, peace and serenity. According to some proven instances, with help from a clinical hypnotherapist, it is simple to produce that feeling in a person anytime and the most effective plan to learn that is Black Ops Hypnosis.
  • First see you Doctor, he is the best person to help you, he may think you need medication, and you will probably feel a lot better after that. then you have to look deep inside yourself and analyise what is it you are really worrying about. If you can afford it look in the bookshop for "Claire Weeks" books for "Self Help For Your Nerves" and "Peace From Nervous Suffering", they will be like your bible. If you cannot afford them look on ebay. They are not expensive in the books anyway. Whatever you can buy them, I do really recommend her books. Ask them at the book shop.
  • The position that you are in is awkward 'j deo'. Those that haven't been down your 'narrow street of cobblestown' have no realisation of the traumatic condition that you are presently exposed to. It would appear somwhat apparent that your former life circumstances were more positive to the position that you are currently in. Please keep this within your thought pattern - you are not alone, and those of us that are not attached to the medical profession have understanding - having travelled down a similar 'street'. Some years ago I became attached to groups that converse with those in your appalling, unpredicted position - many of whom were the victims of attempted murder, without having known the offenders. From your self-description in terms of 'state-of-mind', it is apparent that there may be similarity. That condition is the LAST thing that this person (...and I assume most others) want you to be in. You are aware that there are many types of medications prescribed that MAY help - but won't always. A delight it was to read your referral to your 'inner strength' That possession 'j deo' is invaluable, far beyond medication! Additionally, your self-description clearly highlights the modesty within you - that combination of your personal values will enhance your recovery. Many of us are when exposed to a position like yours are inclined (...to use the boxing adage) to 'throw the towel in' - understandably! But those that recover find an inclination to remind themselves that life may be a '12 Round' event - being in 'Round11' - there is yet a 'round' to go! Talented David Gilmour refers to being 'Comfortably Numb'. Many in your unpredicted position are inclined (I assume) to misinterpret that expression and seek an escape route - becoming 'Uncomfortably Numb'. Remind yourself of what YOU deserve 'j deo', and your ownership of self-determination will allow 'justice to prevail' in your future. In final metaphoric terms, that personal value of yours in terms of determination will lead you to your own 'Bridge Over Troubled Water' - enjoy your new pathway! Peter
  • Isn't there some clinic that has a sliding fee according to your circumstances? I can see your in a Catch 22 thing here. Check your phone book for any related clinics or groups.
  • Check out an EA or AA meeting. There will be people there that will be able to advise you where you can go locally to seek the help you looking for.
  • My husband and I would like to move out of our apartment as soon after I graduate from school as possible. Last time I checked, my credit score was 744. My husband has never checked his but plans to do so this week. Will a bank/lending company issue us a mortgage of $300k when I am a new college graduate? I will already be hired as a registered nurse, and my husband is a police officer. We have 2 car payments - will that affect it at all? I just don't know how the whole process works.. and if we do think we can get one, how soon should we apply to get pre-approved if we are looking to move in June? I'd appreciate any tips. Thanks.
  • I am also not trying to sell you a mortgage. A lender will look at your credit scores, employment history, debt to income ratio and what you have saved for a down payment. Talk to a local lender, internet lenders will not know about local programs you can qualify for. There are some lenders, and I believe Bank of America is one, that have special programs for those working police or fire. Some of these programs are not better than first time home buyers programs, so you'll need a lender to show you the differences so you can compare apples to apples. Don't forget to compare more than interest rate, some programs have a great rate but beat you up with transactions fees and closing costs that can cost you thousands of dollars. If you start looking for loans now, you can get an idea of what you can afford and what you can do over the next few months to improve your situation. (Save more money, pay down a bill - that sort of thing) But most rate locks only last 30 days. But on the surface, it looks like you will be in great shape to qualify for a home loan. Good luck, you two have tough professions, so I hope nothing but the best for you in the future.
  • Banks understand how "life works" and will not penalize you for just starting out in life. At this stage, here is what they will look at: 1. Your strong credit. This alone is a huge factor, and in your case, you are a very low credit risk based on your score. 2. You rental history at your apartment. I am assuming that you pay on time every month due to your credit scores, and the underwriter will inquire with the apartment via a VOR (verification of rent). 3. Your income. As long as you are working, and your employer will verify that you have a permanent job, the bank will assume the best of you, since you are a recent college graduate. 4. Lastly, like any other loan, the bank will want to see that you have money for down payment, closing costs, or one of the two. I would wait until you start your job because until then, no one can issue a pre-approval that isn't contingent upon you getting a job. The whole process takes about 4 weeks from application to closing, provided there aren't any issues that arise. Our company was originally located in Germantown, Maryland, and we still serve the DC Metro region (MD, DC, & N. VA - actually all 50 states) although we are now located in sunny Arizona. Anthony @ Consumers Advantage Mortgage http://www.consumersadvantagemortgage.co...
  • I AM NOT TRYING TO SELL YOU A MORTGAGE The process is kind of simple. A lender will look at your credit score to see if you are reliable to repay loans, then they will look at your income to figure out how much money you can borrow but still afford to pay back by figuring out what is known as a debt ratio (how much money you both have coming in VS how much you have going out), thus the car payments, minimum credit card payments and anything you pay back over time will be a part of the equation. It might be best to wait until you are employed before making a loan application, if your husband makes less than $100k. I do suggest you go ahead and make contact with a mortgage broker to start the process even if you aren't quite ready to go at this moment in time. Good Luck!
  • I purchased my first home in June, 2007. Because it's my first home, I was required to obtain loan insurance (this was all arranged by the settlement company and/or the mortgage company) A few days ago, my employer received a request for verification of employment and wages from NIA consulting, who represents RMIC (the home loan insurance company) in auditing my loan file. My question is, why would they need to do this if I've had my home for over a year and a half now? Shouldn't this have been done before I bought my home? What purpose does this informations serve? With all this fraudulent loan talk going on at the present time, I certainly would not want a mistake to be found in my loan, and then loose my home. Considering that the whole loan process was pretty "hands off" for me --- I was told everything would be taken care of ---, and at that time all I cared about was getting a house.
  • By "hands off" I mean that I gave them all of my paperwork as far as wages and ID are concerned, and then just went in and signed the settlement package. In Maryland, all first time home buyers are required to have mortgage insurance. This insurance protects lenders from losses due to defaults on first mortgages for single family residential properties.
  • What you are paying is PMI - private mortgage insurance - that big cost you pay if you don't put 20% down. It sounds like you are your near reaching 20% equity in your home. They may just be getting prepared for when you send a dispute to have that nasty PMI removed. It was a lot of work to get mine removed - I had to prove that I had 20% equity - I even waited till I had 25% just to make sure. Then again, maybe PMI companies are just getting paranoid. I would call them immediately - since I don't think you would be near paying over 20% only after a year. /
  • What do you mean "hands of" for you? Did you sign the contracts? By loan insurance do you mean homeowners or PMI or to pay off the loan if you die? Sound way suspicious to me.
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