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We can loan up to $500 to Jacksonville occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.
I have a job getting $12.00 per hour.. but right now I don't have much work.. I'm on call working maybe 5 days a month.. My wife has a full time job getting $7.25 per hour.. I'm receiving unemployment right now which is approx $200 per week.. Is it worth my time to apply and try to get into a house?? that $8000 tax credit looks very nice to me, could use it to pay the house payment for a year. anyways.
It might be difficult for you to be approved to purchase a home. There are certain income and length of job requirements that you are required to comply with. You indicated that you would be getting a job earning approximately $12.00 per hour. This new job has to be in the same career field you were previously employed in. You must be employed in the same career field or promoted in this field for a minimum of 2 years. In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book. Make sure this mortgage broker or mortgage banker is able to do government loans such as FHA and Jacksonville loans if you qualify for one. He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate. The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase. When you speak with the mortgage broker you will need the following documents to complete the loan application, there will be others, but this will get you started. #1 One month of pay stubs for each person that will be on the mortgage. #2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment. #3 Two years of federal income tax along with the W-2 that match. Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home. In this pre-approval letter will be the amount of house you are qualified to purchased. Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral. Now make sure before you get your pre-approval you and your mortgage broker go over all your options as to the mortgage programs you qualify for, the interest rate, monthly payments. If you are getting a FHA, fixed rate, two loans to eliminate PMI like an 80/20 or one loan, if you are qualified for and approved for a 100% loan. You should select the loan that best suit your financial condition at the time. That could be an adjustable rate loan. It could be a fixed rate loan for 5 or 10 years and then adjust. Some adjustable rate mortgages only adjust once. Make sure your mortgage broker explain all your options so you may make an intelligent decision. What might be good for one person might not be good for you, in other words just because your friends and all your real estate buddies are telling you about the great fixed rate they got, your financial situation might call for something else. So select the best option for you and your financial situation. You should also get a Good Faith Estimate (GFE) which will indicate the cost you will have to pay for getting this loan. It will also indicate the amount of your down payment. Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign. Your mortgage broker will now order an appraisal to show proof of the property value. The mortgage broker might ask for additional information or documentation, don't get all up tight this is normal, just supply the information or find the documents needed. After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home. Before signing any loan docs make sure they say exactly what you and your mortgage broker went over when you decided on what mortgage program was best for you. I hope this has been of some benefit to you, good luck "FIGHT ON"
You only get $8000 if the house you are buying costs at least 80,000 (the credit is 10% of the house price up to $8000) and you would never qualify for a mortgage of that size - you need a full time job and a lot of cash up front
You're too late for the tax credit. The deadline is November 30th and the loan/home buying process will take you a few months. If I were you I would wait until you had a steady job. You can try to apply for a loan but they wont approve you if your credit score is below 620.
You are WAY too late to start the process and still hope for the credit. Also, unless the houses you are looking at are about $75,000, then you cannot afford a house to begin with. In addition you would need a down payment of about $10,000.
No, you do not have enough time and you do not make enough to qualify for a mortgage anyway. Additionally the $8k credit is 10% of the purchase price, up to $80k. So if price is below $80k, you only get 10% of that purchase price.
If you havent started the process yet theres no way you'd close in time to qualify for that credit.