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How to Buy a House When You Have Student Loan Debt, Student Loan Hero, house loan.#House #loan

Buying a House With Student Loan Debt: Here s How to Do It

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Miranda Marquit

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For many consumers, buying a house is a major financial and life milestone. However, student loan debt is preventing some millennials from making home purchases.

According to a Student Loan Hero survey, 41 percent of college-educated Americans with student loans have postponed buying a home because of their debt.

Having student loans won’t keep you from buying a house, although you should be comfortable with the idea of taking on a large amount of debt while still dealing with your student loans. Carefully consider your options, and decide what makes sense for your own financial situation.

Here’s what you need to do when buying a house with student loan debt:

1. Improve your credit score and check your credit report

The most important factor lenders consider when deciding whether or not to lend you money is your credit score. You can maintain a good credit score even if you have student loan debt.

In fact, your student loan debt probably won’t drag down your credit score unless you’ve been missing payments. Here’s how to boost your score ahead of applying for a mortgage:

This is the most important factor in your credit score. Pay on time and in full, and you can build a solid financial reputation.

  • Manage your credit utilization.

    The ratio of your credit balances to your total available credit lines is your credit utilization. For example, if you have credit lines totaling $3,000 and your credit balances total $1,000, your credit utilization is 30 percent.

    Ideally, you want to manage your credit utilization so you aren’t using more than 30 percent of your available credit.

  • Don’t close old accounts.

    You might think that closing a credit card account is the way to go when trying to fix your credit score, but this often isn’t the case.

    An old account, especially if it is in good standing, can help your credit. The longer your credit history and the older the average age of your accounts, the better your credit score.

  • Use different types of credit.

    If you have a “thin file,” there isn’t much for lenders to make judgments about. A mix of revolving credit (like credit cards) and installment loans (like car payments or student loans) show that you can handle different types of debt.

  • You may have to pay for your credit score, but some credit card companies have started offering free access to a version of your credit score so you can get an idea of where you stand.

    It’s also important to check your credit report before buying a home. (Request a free annual credit report here.) Make sure your report is accurate and up-to-date.

    If you have suspicious transactions listed on your credit report, you can ask the credit bureau to remove the information. Learn how to dispute a credit report error here.

    2. Decrease your debt-to-income (DTI) ratio

    As with student loan refinancing, a mortgage lender will calculate your debt-to-income ratio to determine your ability to make monthly payments on the new mortgage.

    When buying a house with student loan debt, you need to be aware of the impact your loans have. Many lenders follow what is called the 28/36 qualifying ratio to determine if you’re eligible for the best rates.

    This means that you should spend no more than 28 percent of your gross monthly income on total housing expenses, and no more than 36 percent on total debt service (including the new mortgage payment).

    You can still buy a home if you don’t meet the 28/36 rule, as many lenders will still loan you money if your DTI is high. But you have to decide if you’re really comfortable taking on a loan when you have a high DTI.

    Reduce your DTI by paying down some of your debt or by increasing your income. Take a second job, get a side gig, or ask for a raise. Depending on your student loan situation, you might be able to refinance or consolidate your student loans to obtain a lower monthly payment.

    Alternatively, you could enroll federal student loans into an income-based repayment program which can lower your monthly student loan payments. This improves your cash flow and can make your home a little more affordable on a monthly basis.

    While refinancing or finding a new repayment plan may improve your DTI, it really depends on the type of mortgage you re applying for.

    Some mortgage underwriters base decisions on the percentage of your total student loan balance rather than using your monthly payment amounts under an income-driven repayment plan. If that s the case, you might need to shop around for a lender if you want to ensure that you are approved for a loan.

    3. Pre-approval and your homebuying power

    A pre-approval from a lender can help you see what the costs and down payment requirements are. To determine what you qualify for, a lender considers your two-year employment history, credit history, income, and assets.

    Here are some important things to keep in mind as you apply for pre-approval when buying a house with student loan debt:

    • A lender must look at most aspects of your financial history, at least in the short term. All funds need to be sourced and explained. Any large deposits outside of normal payroll will be closely scrutinized, and any major loans will be considered as well.
    • Gifts from family are not unusual for first-time homebuyers. These, too need to be sourced and accompanied by a lender’s gift letter.

    Lenders aren’t supposed to accept loans as down payments, so if a relative is lending you the money for a down payment it’s not going to work. The down payment needs to be a gift, and it should be from someone with whom you have a close relationship.

  • Check with the lender to ensure that you’re giving all documents needed for a comprehensive decision on your pre-approval.

    Some of the documents you need to submit are two years of W-2s, two years of federal tax returns, 30 days’ worth of pay stubs, and two months of asset statements (including bank and retirement account statements).

  • If you are self-employed, you might need additional paperwork to verify your income. You could be required to go through an income audit, where an accountant reviews your records and verifies your income.
  • More documents may be needed once the loan is underwritten. A lender usually requires tax returns and bank statements.
  • Once you have your pre-approval, you can use it to help gauge which homes you can afford. Additionally, sellers are likely to take you more seriously once you have a pre-approval in place because they know the bank has already committed to providing you with financing.

    4. Consider down payment assistance programs

    There are a number of down payment assistance programs that are acceptable to lenders. Many states and cities offer down payment assistance programs, and there are local programs that allow you to use sweat equity if you want to build a new home.

    It’s also possible to take advantage of federal loan programs, even if you have student loans. You may qualify for an FHA loan, which would mean a down payment of as little as 3.5%.

    If you choose to buy in a more rural area, you might qualify for a USDA loan, which requires no down payment. Don’t forget about VA loans if you have served in the military.

    Research your options and speak with a knowledgeable mortgage broker to find out what programs you qualify for at a federal, state, and local level.

    Is buying a house with student loan debt right for you?

    Before you jump in, make sure you’re actually ready to buy a home. Figure out how comfortable you are with carrying two large debts over long periods of time. Do you feel confident about your income? Is it large enough to comfortably afford a mortgage payment on top of your student loan payments?

    Review your priorities. Will buying a home on top of having student loans require you to cut back on your retirement contributions? Will you have to dial back in other areas of your life? Consider what matters most to you, and plan accordingly.

    If you have a plan for buying a home, there’s nothing wrong with taking the leap even though you have student loan debt.

    INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000, SIMPLE TAX INDIA, house loan.#House #loan


    Interest on borrowed capital for self occupied property

    In the above context the following further aspects have to be kept in view:

    Rs. 1,50,000 maximum deduction will not be available in the following situations:

    1. if capital is borrowed before April 1, 1999 for purchase,construction, reconstruction, repairs or renewals of a house property;
    2. if capital is borrowed on or after April 1, 1999 for reconstruction, repairs or renewals of a house property; and
    3. if capital is borrowed on or after April 1, 1999 but construction is not completed within 3 years from the end of the year in which capital was borrowed. In the above situations only deduction upto Rs. 30,000 can be claimed.

    24(b) where the property has been acquired, constructed, repaired, renewed or reconstructed with borrowed capital, the amount of any interest payable on such capital: Provided that in respect of property referred to in sub-section (2) of section 23, the amount of deduction shall not exceed thirty thousand rupees : Provided further that where the property referred to in the first proviso is acquired or constructed with capital borrowed on or after the 1st day of April, 1999 and such acquisition or construction is completed 24[within three years from the end of the financial year in which capital was borrowed], the amount of deduction under this clause shall not exceed one lakh fifty thousand rupees. Explanation.Where the property has been acquired or constructed with borrowed capital, the interest, if any, payable on such capital borrowed for the period prior to the previous year in which the property has been acquired or constructed, as reduced by any part thereof allowed as deduction under any other provision of this Act, shall be deducted under this clause in equal instalments for the said previous year and for each of the four immediately succeeding previous years:] Provided also that no deduction shall be made under the second proviso unless the assessee furnishes a certificate, from the person to whom any interest is payable on the capital borrowed, specifying the amount of interest payable by the assessee for the purpose of such acquisition or construction of the property, or, conversion of the whole or any part of the capital borrowed which remains to be repaid as a new loan. Explanation.For the purposes of this proviso, the expression new loan means the whole or any part of a loan taken by the assessee subsequent to the capital borrowed, for the purpose of repayment of such capital.

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    Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed: NPR, house loans.#House #loans

    Can’t Pay Your Student Loans? The Government May Come After Your House

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    On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

    She was being served.

    “They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

    The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

    Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

    McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

    “Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

    In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

    What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

    Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

    “I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

    The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

    “It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

    Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

    “After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

    The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

    “For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

    Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

    The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.

    Finance – Department of Finance, Insurance and Business Law, house loans.#House #loans

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    Department of Finance, Insurance and Business Law

    Department Overview

    Welcome to Virginia Tech’s Department of Finance, Insurance and Business Law. Whether you are a student, parent, alumnus, employer, faculty member or potential research partner, we encourage you to spend time on our website and learn more about our department and what we have to offer.

    We are the largest department in Virginia Tech’s Pamplin College of Business, with over 20 full-time faculty members serving over 900 undergraduate students. In a typical year, our department awards more than 300 Bachelor’s degrees (including double majors). We also have an active Ph.D. program and support the university’s various MBA programs in Northern Virginia, Richmond and Roanoke.

    Our faculty strive for excellence in teaching, research, and service to our students, community and alumni.Virginia Tech’s finance faculty are experts in their fields. They are actively involved in research in a number of areas, including corporate finance, investments and business law. As part of their research mission, they have published in the top journals within their fields. They are also frequently consulted for their expertise by businesses and other entities. In addition, a number of our faculty members have significant private sector experience and contacts that they frequently leverage in their teaching and advising roles, as well as in helping students navigate the placement process for internships and full-time jobs.

    Our undergraduate program is highly rigorous and produces graduates who can succeed in a wide variety of finance careers. Our students are highly recruited by a large number of employers, with over 100 companies coming to campus in a typical year. Despite our department’s large size, the vast majority of our graduating seniors (over 80% in 2014) either receive job offers or continue on to graduate school. The median starting salary (excluding signing bonuses) for our Bachelor’s degree recipients was $56,700 in 2014, with the middle 50 percent ranging from $47,000 to $60,000. Within our undergraduate curriculum, we offer a number of tracks for students who want specialize in various areas of finance. We also offer preparatory coursework for students who want to take the Certified Financial Analyst (CFA) and Certified Financial Planner (CFP) professional exams. For students interested the markets and asset management, we offer hands-on learning through BASIS and SEED, two student-run investment funds, which each manage approximately $5 million of the university’s endowment funds.

    At the graduate level, we provide a variety of finance courses as part of the university’s three MBA programs, which are located in Northern Virginia, Richmond and Roanoke. These courses are structured for students with work experience who are pursuing their MBA degrees on a part-time basis at night and on weekends while continuing to hold full-time jobs.

    In Blacksburg, we also have an active, rigorous Ph.D. program that produces graduates who can conduct the innovative research required in both academia and the financial services industry. Our Ph.D. students work with our faculty in a variety of research areas, particularly the areas of Investments and Corporate Finance. We have placed our Ph.D. students at a numerous universities around the US and overseas, as well as into the private sector.

    If you have any questions or need any additional information, feel free to contact us at [email protected] or (540) 231-5904.

    • Pamplin’s Department of Finance is ranked #5 in the nation by’s Best Bachelor’s In Finance Degree Programs, 2016.
    • The Department of Finance congratulates John Pinkerton’s award of emeritus status!
    • Tracy Castle-Newman has been listed as one of 100 most powerful people in Finance!
    • Finance alumni won all awards announced by the Pamplin Society at the Pamplin Advisory Council dinner! They are:
      • Rising Alumni Award: Bobby Bal, 2010 FIN
      • Rising Alumni Award: Christina Todd, 2009 FIN, Member of the Finance Advisory Board
      • Rising Alumni Award: Ashton Wilson, 2007 FIN
      • Mentoring Award: Nick Cullen, 1991 FIN, Member of the Finance Advisory Board
      • Ut Prosim Service Award: TJ Loeffler, 2011 FIN.
    • We would like to congratulate Jin Xu for her promotion!
    • The Department of Finance congratulates Dr. Hiller on the appointment of Director of Pamplin Integrated Security!
    • Zach Tekamp is one of 12 students chosen to receive a $5,000 scholarship as part of the 2017 TD Ameritrade NextGen RIA Scholarships Grants program
    • Bank of Fincastle Reports, George Morgan in the Media

    Faculty Journal Acceptances:

    Dr. Sattar Mansi – Journal of Corporate Finance – 2017

    • “Do Long-Term Investors Improve Corporate Decision Making?”, with Ambrus and Jarrad Harford

    Dr. Jin Xu – Journal of Financial and Quantitative Analysis – 2017

    • “Taxes, Capital Structure Choices, and Equity Value”, with Mara Faccio

    Dr. Brad Paye – 2017

    • “Micro(structure) before macro? The predictive power of aggregate illiquidity for stock returns and economic activity,” with Yong Chen, and Greg Eaton

    Dr. Vijay Singal- Journal of Fimacial Economics – 2016

    • “Comovement Revisited,” with Honghui Chen, and Robert Whitelaw.

    Dr. Gregory Kadlec – Journal of Financial Economics – 2015

    • “Institutional investors and asset pricing anomalies,” with Ozzie Ince, and Roger Edelen.

    Dr. Jin Xu- Journal of Financial Economics – 2015

    • “Golden hellos: Signing bonuses for new top executives,” with Jun Yang.

    Dr. Pengfei Ye – Journal of Financial Economics – 2015

    • “Relative peer quality and firm performance” with Bill B. Francis, Iftekar Hasan and Sureshbabu Mani.

    Course Request for Spring 2018 begins October 17-24, 2017

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    Long Island Lighthouses – The Scoop on LI – s Most Beloved Landmarks #long #island #lighthouse, #long #island #lighthouses, #lighthouses, #lighthouse, #long #island #sound #lighthouse, #montauk #lighthouse, #orient #point #light #house, #iconic #light #house, #hamptons #light #house, #light #house, #north #shore #lighthouse, #south #shore #lighthouse


    Long Island Lighthouses

    When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind. Read More When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind, it is undeniable that they are an important part of the history of Long Island. Make sure to visit a Long Island Lighthouse if you’re visiting, or even if you’re a local just looking to experience Long Island heritage, Lighthouses are a unique piece of our history you won’t want to miss. Show Less

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    Refinancing house loan #refinancing #house #loan



    What is ‘Refinance’

    A refinance occurs when a business or person revises a payment schedule for repaying debt. Mechanically, the old loan is paid off and replaced with a new loan offering different terms. When a company refinances, it typically extends the maturity date. Companies or individuals refinancing loans may have to pay a penalty or fee.

    BREAKING DOWN ‘Refinance’

    The most common forms of consumer debt are mortgages, car loans and student loans. The borrower agrees to make certain payments based on a rate of interest. Companies operate the same way. The most common types of corporate loans are term loans. bonds and lines of credit. The company agrees to the terms of each loan type, and the bank lends it money. Terms provide the details of the loan and specify the interest rate, payment amount and payment date(s).

    When the terms of the loan are revised in a way that changes the payments associated with the loan, the loan has been refinanced. In a refinanced loan, the old loan is paid off with the new loan, and the old terms are replaced with new terms. Some loan terms come with fees associated with prepaying, which makes refinancing less rewarding. The most common changes in loan terms are maturity date and interest rate.

    Why Refinance

    Borrowers refinance for myriad reasons. A common goal is to pay less interest over the life of the loan. Borrowers may also want to change the duration of the loan or switch from a fixed-rate to an adjustable-rate mortgage. or vice versa. The reasons and motivations behind refinancing a loan are as varied as the loan types offered.

    Refinance Loan Types

    There are several different types of refinancing options. The type of loan a borrower decides on is dependent on the needs of the borrower. The most common type of refinancing is called the rate-and-term. This occurs when the original loan is paid and replaced with a new loan. Another type of refinancing is the cash-out. Cash-outs are common when the underlying asset collateralizing the loan increases in value. The transaction involves withdrawing the value or equity in the asset in exchange for a higher amount. In other words, when an asset increases in value on paper, you can gain access to that value with a loan rather than selling it. This option increases the total loan amount but gives the borrower access to cash immediately while still maintaining ownership of the asset. Another refinancing option is referred to as the cash-in. The cash-in refinance allows the borrower to pay down the loan for a lower loan-to-value ratio or smaller loan payments.

    Money Girl: 6 Tips to Sell a House Fast in Any Market #sell #my #house #fast #phoenix


    6 Tips to Sell a House Fast in Any Market

    If you ve ever been in a situation where you need to sell a house fast, you know how frustrating it can be. Day after day, you hope the perfect buyer will come along and make a great offer.

    Fortunately, there are ways to speed up the sale of your home. without sacrificing profit. In this episode, I ll give you 6 tips to sell your home as quickly as possible, in any real estate market.

    How to Sell a House Fast in Any Market

    I m sure you know that real estate markets vary drastically depending on where you live. I relocated from central Florida to the San Francisco Bay Area in 2013, and am still experiencing real estate sticker shock!

    For instance, according to the median home value in the San Francisco metro area is $688,600. The median for the Orlando metro area is just $161,600. Spending $500,000 on a home in central Florida buys you a mansion on a lake, while you d be hard-pressed to find something habitable for that price on the San Francisco peninsula.

    In most of the U.S. real estate values have generally rebounded from the lows we saw in 2011. Plus, rising rents and cheap mortgage rates are pushing more renters to consider becoming homeowners in many markets.

    So, if you re considering selling your home, it may be a good time. But before you put out the for sale sign, follow these 6 tips to make sure you sell as quickly as possible–and for the best price:

    Selling Tip #1: Improve Your Curb Appeal

    Nothing is more important than a first impression. So consider what a potential home buyer may think as he or she drives up to your property for the very first time.

    Walk out into your street and look–and I mean really look–at your home to see its shortcomings. Is it attractive, clean, and well-kept, or does it need maintenance that you ve been putting off?

    After you ve been in a home for a while, it can be difficult to see it objectively. So take suggestions from a real estate professional, friends, or prospective buyers about how to make it show better.

    When your home is on the market, it s critical that your landscaping is well-groomed and your lawn is mowed 24/7. Plus, your driveway, exterior porches, and exterior walls must be clean, too.

    If you put money into cleaning up the outside of your home, I can guarantee that buyers will be more likely to take a tour of the inside. Curb appeal is what draws buyers in, helps maintain their interest, and sets your home apart from the competition.

    Remember that unless you re willing to discount a home s price well below market value, prospective homebuyers generally won t want to buy a house that needs a lot of work.