| Author | Message | ||
     Buduguuu Hero Username: Buduguuu Post Number: 12274 Registered: 01-2012 Posted From: 24.107.4.53 Rating: N/A |
mail at your bitnbyte Coolmac : nanu comment sesey staayi ledhu neeku Biryani about Mahesh Babu | ||
| Maverick Legend Username: Maverick Post Number: 44025 Registered: 01-2008 Posted From: 70.39.231.164 Rating: N/A |
mortgage payment ~= rent ki iste vacche value set chesukondi Who is this DB member? | ||
| Mental_sachinodu Hero Username: Mental_sachinodu Post Number: 10124 Registered: 10-2008 Posted From: 68.119.76.166 Rating: N/A |
Rental value ki oka 200 paiki pettatam, is not a wise investment in my view. Unless its a dream house of yours, I see no reason to put more than that. Live with in means, save more, invest more. If you are paying for something, it's always a liability in my mind the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada | ||
| Netra Megastar Username: Netra Post Number: 22647 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
prima area lo bay area lo 600 above unnai ippudu town homes.. YSR AMAR RAHE | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 32856 Registered: 02-2008 Rating: N/A |
twitter@ emo dayton,plainsboro,monmouth jn ee areas lo nen cheppina prices unnai.. andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Megastar Username: Twitter Post Number: 26099 Registered: 10-2009 Posted From: 192.193.216.147 Rating: N/A |
meeru maree posh emo i have frendses who bought for 225 in prime location of EB. ofcorse depends on sft . | ||
| Netra Megastar Username: Netra Post Number: 22646 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
yeap.. based on your tax bracket.. if you are in 18% you get 18 and if you are higher side 33% you get 33%.. idhi naaku CPA cheppind vishayam.. i asked him before i entered in the housing market.. aadu cheppakane nenu digaa YSR AMAR RAHE | ||
| Jackson Hero Username: Jackson Post Number: 10759 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
chesukovachu.. anduke maa TX lo property taxes ekkuvaina..dec lo kadataaru..jan lo tax returns file chestaaru.. so correct ga cheppali ante 75% matuke kadutunnattu.. ... | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 32855 Registered: 02-2008 Rating: N/A |
ippudu andaru muyandehees NJ lo TH 200 ki 220 ki bongu kuda raadu desis chuse areas lo....min 400 and max 470 townhouses ki unnai.. deeniki 10k taxes and 280 maintenance.. enjoooy maadi andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Netra Megastar Username: Netra Post Number: 22645 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
ask comcast or collection agent regarding this and valle explain chesttaru... oka saari macy's vodu one month delay ani chestte nenu lolli chesi mottaniki thiyyinchaanu report ninchi.. naaku macys vaade choosaukunnadu reporting back to credit agencies antha.. so meeru vallane adagandi.. home buying aithe lender will do that rapid re-socre process and he will explain what to do YSR AMAR RAHE | ||
| Jackson Hero Username: Jackson Post Number: 10758 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
oh ok.. nenu chillarodu mama question misunderstand chesukunna.. loan iche vaadu mana tahatha entha ani determine chese process paranga manam alochisthe max 100K vaadu entha pettachu..or 300K pettacha ledaa ani.. so question adhe aithe.. vaadu gross ki chustaadu net ki chudadu..so easy ga loan approve avutundi score bagunte.. kaani coming to overall savings I agree with you.. endukante 35% limit ante 3600 lo oka 1000 savings anukunna..2600 monthly expenses..NJ vaalaki 2600 lo children tho adjust avvamante kastame..so I agree.. ... | ||
| Megastar Username: Twitter Post Number: 26098 Registered: 10-2009 Posted From: 192.193.216.147 Rating: N/A |
yeah idhi higher side..agree. | ||
| Biriyani Side Hero Username: Biriyani Post Number: 7640 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
also nenu experian lo register ayyi e comcast bill gurinchi dispute raise chesa....before i faxed the comcast latter to the collection agency.. I think dispute file chesi fail ayithe kdua credit score thagguthundi anukuntaaa | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 32854 Registered: 02-2008 Rating: N/A |
serious aa.. lock chesukovochaaa ee info.. andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Netra Megastar Username: Netra Post Number: 22644 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
and also you get returns and most of the time it will compensate your property taxes.. net ki planning ante i can say you can go beyond 40% unless kids are not in private schools.. gross aithe 30-35%... YSR AMAR RAHE | ||
| Biriyani Side Hero Username: Biriyani Post Number: 7639 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
annai..emanukokunda koddiga seqence of steps explain cheyyi pls.. current state is comcast has sent a letter to me stating i owe nothing and i faxed that to the collection agency.... next ela evaritho follow up cheyyali? and dispute letter enti? | ||
| Megastar Username: Twitter Post Number: 26097 Registered: 10-2009 Posted From: 199.67.131.151 Rating: N/A |
yep
yep | ||
| Jackson Hero Username: Jackson Post Number: 10757 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
ante returns ana ardham.. 25% vostyaai anukunta returns.. ... | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 32853 Registered: 02-2008 Rating: N/A |
property taxes meeda taxes vostayaa..nen only intrest meeda anukuntunna andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Biriyani Side Hero Username: Biriyani Post Number: 7637 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
personal loan sanction ayithe its good way of improving credit score fast annaru.. so ippudu 10K theesukuntunna...8-12 months lo full pay chesi chustha emavuthundo... | ||
| Megastar Username: Twitter Post Number: 26096 Registered: 10-2009 Posted From: 199.67.131.215 Rating: N/A |
nen cheppedhi 3k katte time lo 2k ki plan cheskunte aa 1k will come to rescue ani..kaani its just theory nen kooda mee type lone alochistha  ..kani ideal ways choostha anthe ..meeru cheppinattu depends. | ||
| Netra Megastar Username: Netra Post Number: 22643 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
easy gaa 35-45 points dobbesttai.. paiana cheppina loan application valla max 5-10 points madhya pothaai.. resolve aithe ask them to report credit agency and follow up with them on reporting date and ask for dispute letter YSR AMAR RAHE | ||
| Jackson Hero Username: Jackson Post Number: 10756 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
ee gross ki net ki inka confusion ee naaku..net ante taxes + medical insurance poga mana chetiki vochedhi..anthena.. ala aithe NJ lo vaadiki some 5600 vostundi..anduke 2000 is 35% antunaava mama?? ... | ||
| Biriyani Side Hero Username: Biriyani Post Number: 7636 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
personal unsecured loan apply chesa for 50K...now accepting the counter offer of 10K from on bank..but td bank reject chsindi kabatti adoka netagve mark and other major -ve mark is comcast bill which went to collections agency....idi naa mistake ledu....so almost resolve ayinatte....idi resolve ayyi credit score lo reflect ayithe chudali emanna improve untundemo mari | ||
| Mahesh_fan Side Hero Username: Mahesh_fan Post Number: 9059 Registered: 09-2010 Posted From: 76.97.191.100 Rating: N/A |
comedy ga bank vadini personal loan adigadu just 50k | ||
| Netra Megastar Username: Netra Post Number: 22642 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
pay-off credit cards.. urgent emi lekunte pay chesi koochondi and everything will increase in 30-45 days ledhu ante lender gaadini rapid re-score request cheyyandi.. easiy gaa 30-40 points peruguddi if you have multiple cards and ratio is less than 5% YSR AMAR RAHE | ||
| Megastar Username: Twitter Post Number: 26095 Registered: 10-2009 Posted From: 192.193.171.149 Rating: N/A |
NJ lekkala pekaram 225k petti TH konukkonodiki monthly almost 2k osthundhi anni kalipi..it is almost 35% ..with small savings plan and everything 100k vadu comfortable ga untadu , inkoddhiga ekkuva ante oka 40% ante just home and no savings with lavish life style. so nen cheppedhi endhante oka 30-35% of your net ki planning cheskovali ani. | ||
| Jackson Hero Username: Jackson Post Number: 10755 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
exactly..well said.. ... | ||
| Netra Megastar Username: Netra Post Number: 22641 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
depends bro.. just naa opinion.. 2000 kaduthunnamu anukundhaamu.. job pothe don't you think its a burden?? so 2000 katte situation lo 3000 def gaa kattagalam endhukante job untundhi kabatti.. so aa paddathi lo alochistta nenu.. meeru annattu it matters person to person.. naaku 2000 and 3000 pedda theda ledhu... 3000 kattalenu ante 2000 kooda kattlenu intiki.. YSR AMAR RAHE | ||
| Jackson Hero Username: Jackson Post Number: 10754 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
car loans etc.. emi leka pothe mottam credit card appulu tircheyyi..inka matladithe oka 100 vaade neeku ivvali annattuga credit card payments cheyyi.. also ongoing basis lo oka 4 mons 5% (overall ga nee appulu) daata niyyadhu.. ante neeku 10000 worth amount credit cards vunte..500 datoddhu .. actual rule emiti ante 10-11% but to increase your credit score fast..5% datoddu.. tappakunda 740+ ki vochestundi..mine is 810+ ... | ||
| Reentry Comedian Username: Reentry Post Number: 1972 Registered: 06-2009 Posted From: 65.198.163.148 Rating: N/A |
biriyanesh aa edhava pani ento cheppu if its not too personal? maa laanti vaallu jagrattha theesukuntaaru | ||
| Biriyani Side Hero Username: Biriyani Post Number: 7635 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
jacky...recent ga chesina oka vedhava pani valla credit score 730 nunchi 650 ki vacchindi...em cheyyamantav ippudu? any suggestions | ||
| Jackson Hero Username: Jackson Post Number: 10753 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
so 100K personal income ki entha budget pettachu mama (chillarodu mama's question)?? intiki.. ... | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33778 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
abbbaa bba a.. emi chepithiri emi chepithri.. count one more | ||
| Cocanada Legend Username: Cocanada Post Number: 39458 Registered: 01-2008 Posted From: 168.244.164.254 Rating: |
ejjjactly. house manaki comfort ni ivvali kaani burden aipokodadu. if you have to move out of it, it will be heart breaking http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Megastar Username: Twitter Post Number: 26094 Registered: 10-2009 Posted From: 199.67.131.156 Rating: |
max 40% of the net is the way to go anukunta otherwise manchi illuntadhi kaani manassanthi undadhu | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33775 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
I agree.. oka 2K easy gaa untadi... | ||
| Jackson Hero Username: Jackson Post Number: 10752 Registered: 09-2007 Posted From: 171.159.192.10 Rating: N/A |
state tax varies per each state.. fed + state tax 25% vesaa..also medical insurance ki kids vunte oka 500 vesaa..anduke 5650 # vochindi.. oka vela fed + state tax with kids valla 20% ki vosthe..yes anni ponu..6000 to 6100 vostundi chetiki.. ... | ||
| Cocanada Legend Username: Cocanada Post Number: 39457 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
vaaammo 3500 intiki pay cheste inka anni muskuni daily rice, potato fry tintu batakaali http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Chiru_fan Hero Username: Chiru_fan Post Number: 17833 Registered: 04-2008 Posted From: 71.166.52.164 Rating: N/A |
Netra mama, could you please send me the details to kingfed@gmail.com CHIRU - SACHIN - FEDERER | ||
| Netra Megastar Username: Netra Post Number: 22639 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
cool gaa 3000-3500 pay chesukonettu plan chesko bro.. at the end you get tax returns vasttai baane.. property tax cover avvaddi YSR AMAR RAHE | ||
| Megastar Username: Twitter Post Number: 26093 Registered: 10-2009 Posted From: 199.67.131.156 Rating: N/A |
mama 100k ante anni ponu chethiki oka 6k osthai ..nee lekka lo fed state payroll taxes levu | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33771 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
alternate is townhome. or condo with bi-level | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33770 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
| ||
| Netra Megastar Username: Netra Post Number: 22637 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
thats huge.. may be as you said okkori comfortness okkoridhi.. for me BBQ no restrictions.. not a big fan of big backyards kaakunte decent unte chaalu.. i need house spacious with lot of windows and lot of light.. YSR AMAR RAHE | ||
| Jackson Hero Username: Jackson Post Number: 10751 Registered: 09-2007 Posted From: 171.159.64.10 Rating: N/A |
36-45% of ur gross salary is the rule of thumb.. pedda pedda banks aithe 36% of your salary.. 100K antunaav kabatti 8333.33 is the monthly gross income.. daantlo 36% ante 3000 varaku OK mortgage payment (loan amount + PMI (if down payment is less than 20%) + HOA fees, Home Insurance, Property Taxes) adhe 45% lekka aithe 3750 varaku OK mortgage payment.. so ee lekkana 300K house enti..400K kuda easy for 100K person.. 400K house aithe 5% down payment ante 20K + 10-12K (closing costs) = 32K vunte chaalu.. 380K loan amount..TX lone (ante property taxes ekkuva vunna chotane) deeniki your total escrow amount will be close to 3000..ante you are good.. so 3000 mortgage payment.. taxes + medical insurance etc..ponu chetiki 5650 vosthe.. regular monthly expenses oka 2000 pothe 650..adhe 2500 pothe 150 savings.. ila lekkalu vesukovaali masteru.. ... | ||
| Rebel Side Hero Username: Rebel Post Number: 9729 Registered: 02-2008 Posted From: 151.151.109.22 Rating: N/A |
Condo lo unte ipudu nuvvu unna apartment lane untadi but with concrete floor...adhe TH,SF aithe nuvvu home lo untunnnavne homely feeling untadi...if ur mind set on condo...go for it..nothing wrong i think | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33769 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
I ma paying 602. Its a big ( 2 level)condo.. all covered except power around 30$ month.. | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33768 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
I will live in association.. need not take care of every thing about maintenance of house.. | ||
| Netra Megastar Username: Netra Post Number: 22636 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
HOA minimum 200 undhi maa daggara.. konni condos ki 400 undhi but they are brand new.. lot of restrictions thats mom YSR AMAR RAHE | ||
| Cocanada Legend Username: Cocanada Post Number: 39453 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
ardham kaledu http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33767 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
in addition you have to pay association fee for maintenance and some common utils | ||
| Linkmaster Legend Username: Linkmaster Post Number: 33766 Registered: 02-2008 Posted From: 149.128.8.245 Rating: N/A |
I prefer this not only strong, but prefer to live along others. rather others prefer individual house. Condos lack of back yard, basement etc.. Townhome could be better off that way | ||
| Jackson Hero Username: Jackson Post Number: 10750 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
5% down payment..max 10%.. ledhu mana income levels saripovu anukunte inti budget ki..then 20% tappadhu.. entha pettachu ante it depends on area.. California lo 300K ki emi vostundi naa bongu.. Texas lone 350K pettali ippudu manchi house kaavalante.. ... | ||
| Netra Megastar Username: Netra Post Number: 22635 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
ante idhi nuvvu already katte mortgage payment meedha anna maata.. suppose 2000 kaduthunte 2500-3000 avvuddi konni yrs antunna YSR AMAR RAHE | ||
| Netra Megastar Username: Netra Post Number: 22634 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
simple neeku konni yrs lo 2 properties untai instead of one.. oka dhaani meedha vachhe rent ni you can use as your monthly payment and mostly 500-1000 ekkuva kadathaavemo next few years and you own 2 condos.. okati appudu ammi pedda illu konukko second dhi alaane undi poddi as investing property.. next intiki aa rent ni monthly payments lo vaadukovachhu.. sakkaga plan sesko investing daggara.. if your monthly mortgage payments 2500 lopu aithe lo down seyyoddu.. ala lekunte aa range ki vachhe dhaaka pay-off chesi tarvaatha invest on other properties YSR AMAR RAHE | ||
| Cocanada Legend Username: Cocanada Post Number: 39448 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
daani valla adamanatage enti? http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Netra Megastar Username: Netra Post Number: 22632 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
mail pampaanu choodandi YSR AMAR RAHE | ||
| Megastar Username: Twitter Post Number: 26087 Registered: 10-2009 Posted From: 192.193.171.152 Rating: N/A |
mee emailid ivvandi lekapothe ccdbtwitter gmail ki oka test mail kottandi if pazibul. | ||
| Netra Megastar Username: Netra Post Number: 22631 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
meeru serious gaa digaali anukunte i can give few contacts and also ask your realtor.. they provide some lenders and then call them.. explain cheyyandi situation and they see what they can do.. normal gaa lenders ki upfront telispoddi mee loan vasttadha raadha ani so cheppesttaru.. and they have a tool called what if i can (?) so dhaani dwaara emi chestte mee budget ki anukunnattu cheyyagalaro chebuthaaru and follow them and provide all the details.. YSR AMAR RAHE | ||
| Netra Megastar Username: Netra Post Number: 22630 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
bokkala undhi.. condo ne kaavali ante 50% pette oka dhaaniki pette badhulu split that into 2 and buy 2 condos and give one to rent .. ledha go with single family or town home YSR AMAR RAHE | ||
| Maverick Legend Username: Maverick Post Number: 44024 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
coke plan bagane undi..i also thinked in similar lines..but hd pressure valla pedda illu konalsi vacchindi..if i am buying second home in wifes name, i will buy a condo and pay it off soon and have a property.. Who is this DB member? | ||
| Netra Megastar Username: Netra Post Number: 22629 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
if you find right lender and i think you can do that YSR AMAR RAHE | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3413 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
ok. yeah last year ayithe.. it didn't change much. | ||
| Megastar Username: Twitter Post Number: 26086 Registered: 10-2009 Posted From: 192.193.216.147 Rating: N/A |
other day i was talking to a financial genius who is in very high rank in our org. his suggestion is put your money in hard assets , because of 50k today might not have any value after 10yrs, but if you invest them in hard assets it might return more ...made sense. | ||
| Netra Megastar Username: Netra Post Number: 22628 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
done YSR AMAR RAHE | ||
| Cocanada Legend Username: Cocanada Post Number: 39446 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
please review my plan. http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Maverick Legend Username: Maverick Post Number: 44023 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
>>when was it Mav? I did 5% too.. but ippudu koncham kashtam anukuntaa last year scenario..i dont think it has changed much Who is this DB member? | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3412 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
when was it Mav? I did 5% too.. but ippudu koncham kashtam anukuntaa | ||
| Netra Megastar Username: Netra Post Number: 22627 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
I completely agree.. less than 625K unte chaala mandhi lenders unnaru and they find a way to avoid PMI.. just do your research and find right lender.. YSR AMAR RAHE | ||
| Maverick Legend Username: Maverick Post Number: 44022 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
netra, please send the details to bitnbyte at gmail.. i will talk to him.. Who is this DB member? | ||
| Cocanada Legend Username: Cocanada Post Number: 39444 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
yeah...main concept is i want to buy a small home which wont be a burden.(< 150k) http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3411 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
naadhi kaadhandi.. I already own a house.. maa officie lo discussion ivvala.. maa colleague gaadu illu konalanukuntunnadu so he asked me this question. City - easy commute to Boston vundali Visa - EAD (waiting for green) | ||
| Maverick Legend Username: Maverick Post Number: 44021 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
>>nenu aithe enthunte antha downpayment kattesta..even 50% down.. problem is liquid cash..intlo pedite kavalante easy ga radu..india lo pettatam istam lekapote put in min guarentee stocks Who is this DB member? | ||
| Megastar Username: Twitter Post Number: 26085 Registered: 10-2009 Posted From: 199.67.140.46 Rating: N/A |
how to search them? | ||
| Netra Megastar Username: Netra Post Number: 22626 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
naadhi crossing 625 limit so maa vodu jumbo ki pokundaa akkade aapi HELOC nu second loan gaa use chesttunnadu and adhi 84K dhaaka teesaadu.. so inka detail ante i can give that guy name.. Adam ani guarnteed rate and keka candidate.. US lo top 1% loan originator.. so maatlade pani aithe choodandi.. naa opinion lo 10$ kooda waste PMI ki if our income is >$100K we are not even qualify at the time of tax filing for PMI.. get HELOC and use it YSR AMAR RAHE | ||
| Megastar Username: Twitter Post Number: 26084 Registered: 10-2009 Posted From: 199.67.140.46 Rating: N/A |
this is one other paradigm of living here, some people think about r2i from day 1 and spend nothing here and some people are like you,very few people come under another rare category who spends here with a long term plan of r2i .. | ||
| Fargo Comedian Username: Fargo Post Number: 1571 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
naaku pinances peddaga illio baa. Aa time lo idedo bagundi ani atta sesaa. Ippudu refinance seyyalante G baddakam Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Maverick Legend Username: Maverick Post Number: 44020 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
>>dp lekunda illu konadam kastam antaru kadha rao garu ..may be no.of lenders filter aipotharemo PMI ante 20 dp vaddu..do the minimum..my case it was 5 Who is this DB member? | ||
| Rebel Side Hero Username: Rebel Post Number: 9728 Registered: 02-2008 Posted From: 151.151.109.22 Rating: N/A |
nee badha naku ardam ayyindi...but no desi will approve ur concept...i will endorse ur plan like paying 50% downpayment if you can...except dont buy condo..buy townhome or single family... | ||
| Fargo Comedian Username: Fargo Post Number: 1570 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
I did 10% with FHA in 2009 Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Maharshi Side Hero Username: Maharshi Post Number: 2079 Registered: 02-2008 Posted From: 170.146.225.4 Rating: N/A |
i did 3.5 %  | ||
| Netra Megastar Username: Netra Post Number: 22625 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
with 3.5% you can get FHA but PMI is big boochi.. kondharu lenders koncham interest rate penchi closing costs penchi without PMI chesttaru.. kaakunte illu signing ki mundhe nuvvu attanti lender ni pattukoni tarvaatha illu seraching digaalannamaata YSR AMAR RAHE | ||
| Fargo Comedian Username: Fargo Post Number: 1569 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
Naaku Vindia ellipodamani flan eppatikaina. Naa sevam ikkada kalanantaandhi baa Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 37503 Registered: 02-2008 Rating: N/A |
which city? visa status? | ||
| Fargo Comedian Username: Fargo Post Number: 1568 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
5% etti konnollu kooda vunnaru baa. But it depends. Nee future flan eti next 5 to 10 yrs lo ani Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Rebel Side Hero Username: Rebel Post Number: 9727 Registered: 02-2008 Posted From: 151.151.109.22 Rating: N/A |
i dont understand this concept..may be nenu teda anukunta....na lantodu aithe aa money stocks lo petti paogottukotamo inkoto chestadu...nenu aithe enthunte antha downpayment kattesta..even 50% down.. india lo vaddi 10% etc etc..manam ikkadunte money antha india lo invest cheskuni em chestam... i would rather live debt free and fund my retirement accounts than investments roaming all around the world... | ||
| Maverick Legend Username: Maverick Post Number: 44019 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
netra, jumbo concept enti..my mortgage is with wellsfargo now and i pay pmi ~100$ Who is this DB member? | ||
| Cocanada Legend Username: Cocanada Post Number: 39442 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
naa approach correct o kado cheppandi. 1. "hadhu meera vadhu, appu cheya vadhu" concept ni nammadam start chesaa. 2. dont want duplex house. intlo metlu undakodadu. 3. should not worry about survival for next 1 year any time. 4. i have to convert currency into something valuable. play to stay is of tremondous value. but i can not save 300k. So, if i buy a condo with 50-60% down payment, i can pay off the rest in may be 3 years. Within 3 years, i will have a property of my own. I dont need to worry about renting costs. I can either live in Condo or rent it and use that for my rent.so, i can start building reserve for next house. when the time is right, i will sell the condo and add to reserve and make 50% down payment for next home. idea ela undi? http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Netra Megastar Username: Netra Post Number: 22624 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
may be not going beyond confirmin(high balance) ante jumbo ki poledhemio.. if both loans are fit b/w 625K then no big issues YSR AMAR RAHE | ||
| Megastar Username: Twitter Post Number: 26083 Registered: 10-2009 Posted From: 199.67.131.157 Rating: N/A |
dp lekunda illu konadam kastam antaru kadha rao garu ..may be no.of lenders filter aipotharemo PMI ante | ||
| Maverick Legend Username: Maverick Post Number: 44018 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
>>80-10-10 koncham complicated and very few lenders are doing if no 20% down. my builder is ryan homes and they did 5%..pulte lo friend okadu konnadu he did the same 5% Who is this DB member? | ||
| Netra Megastar Username: Netra Post Number: 22623 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
ejjactly,, there are few lenders i know who can do jumbo (>625,200) with 15% down also.. naadhi 10% ki chessaru.. 625,200 first + 83,000 second + 80,000 naadhi.. YSR AMAR RAHE | ||
| Netra Megastar Username: Netra Post Number: 22622 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
naah.. multiple ways to avoid and if yours is about t 420K assala chaana paddathulu unnai to get HELOC or home equity.. above that chaana complicated process and it is pretty hard to get even with $95K.. only jumbos lone PMI anedhi bootham if you don't put 20% down.. YSR AMAR RAHE | ||
| Maverick Legend Username: Maverick Post Number: 44017 Registered: 01-2008 Posted From: 70.39.231.191 Rating: N/A |
marokkasari pmi kattina parledu..dont put in 20% into a home in usa..market improve ayyi home value baga perigite, then u can put in..at this point, 20% lock cheyyatam bokka unless lender forces u to put 20% Who is this DB member? | ||
| Coolmac Hero Username: Coolmac Post Number: 18746 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
ee illu credit ithe variety ga vuntadhi... kavalante simpul ga forecloz sesi dobbeyy...no problem | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3410 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
pavala vaddi ki loan isthanante theesukotaniki noppenti.. anthaga dabbu vunte.. instead of paying it off.. India lo invest chey.. you will be happy with the results.. chance dorikithe.. Home equity meedha kooda loan theesukoni India lo invest chey.. | ||
| Fargo Comedian Username: Fargo Post Number: 1567 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
Dabbulu irukkupotamee annayi. adhee migatha 10% vindia lo vaddiki tippithe manchi returns vasthaayi Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Netra Megastar Username: Netra Post Number: 22621 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
80-10-10 koncham complicated and very few lenders are doing if no 20% down.. but credit score and credit to income ratio matters.. AZ and CA lo 720 minimum for HELOC and income ratio kooda chaana chaana important YSR AMAR RAHE | ||
| Cocanada Legend Username: Cocanada Post Number: 39441 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
credit valla teevrangaa debba thinnanu. naa naaa....odhule ladies unnaaru.....avannii ayyi...just ee madhya oopiri peelchukuntunaa. janma lo malli credit lo munige udhesam ledu. http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Netra Megastar Username: Netra Post Number: 22620 Registered: 01-2008 Posted From: 69.53.237.65 Rating: N/A |
diff banks untaai kaani same lender deal chesttadu.. YSR AMAR RAHE | ||
| Coolmac Hero Username: Coolmac Post Number: 18745 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
 | ||
| Coolmac Hero Username: Coolmac Post Number: 18744 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
road meedhaki vachi esko nee steps  | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3409 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
illu kone mundhu nuvvu koncham dieting seyyalanukunta | ||
| Coolmac Hero Username: Coolmac Post Number: 18743 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
naa zindagi lo intha worst idea soodaledhu Coku ...Amrikaa runs on credit...credit ante bhayapadithe US lo bathakalev.. | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3408 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
yeah. kaani, if you have very good credit score then PMI would be very cheap | ||
| Cocanada Legend Username: Cocanada Post Number: 39440 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
mana florida condo pissa pissa ga nachindi. concrete floor kabatti dancing ,exercise gatraa cheskovachu. chakka illlu, kirrrru kirrru sounds naa yokka valla kaatalledu. Veena step thappa inka ye step esinaa illanthaa voogipotundi. http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Pipeline Side Hero Username: Pipeline Post Number: 2514 Registered: 05-2009 Posted From: 66.244.207.150 Rating: N/A |
endukalaaga? don't you have to pay mortgage insurance if the down payment is less than 20% | ||
| Pipeline Side Hero Username: Pipeline Post Number: 2513 Registered: 05-2009 Posted From: 66.244.207.150 Rating: N/A |
condo fee kooda downside kadandi. just money down the drain | ||
| Rasputin Hero Username: Rasputin Post Number: 17653 Registered: 02-2008 Posted From: 74.133.195.175 Rating: N/A |
Thread motham chadivi blood boil chesukodaluchukoledu. Answer: Whatever you are comfortable with 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14698 Registered: 06-2009 Rating: N/A |
go for a townhome in the least..kids unnollu evaraina visit ki oste they will atleast have a free run of the house....lekapote kurrollu sofalekki dookina prati sari evadu calling bell kodatado ani jantiks nalup kovali townhouse with deck unte BBQ seskovachu..basement unte ni punching bag ettukovachu, TT table ettukovachu - emi lekunda condo deniki ra bujja | ||
| Saarang Junior Artist Username: Saarang Post Number: 754 Registered: 06-2012 Posted From: 131.107.192.193 Rating: N/A |
Location is also important. Mid-west or South lo you can buy a home for 300K. West coast and some north east, you need to spend around 500 K for a home. | ||
| Fargo Comedian Username: Fargo Post Number: 1566 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
swarry Household income 100K ayithe 250 to 300K range chaalu 10% ki minchi dandaga downpayment Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Fargo Comedian Username: Fargo Post Number: 1565 Registered: 04-2012 Posted From: 148.87.67.209 Rating: N/A |
350K max for single pamily. W/0 job one year katte saripada dabbul vundali bank lo Timmirekkuvaithe Manchamekkali kani Spot ki Raakudadhu Raa | ||
| Andhrawala Hero Username: Andhrawala Post Number: 19421 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
It depends on how much u have to pay if u are in apartment. daanibatti potam antheyy but 100K salary aithe 300K house is decent bUt if u can get Townhome for 160K go for it No Signature | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3407 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
antha avasaram ledhu.. after living there for 5 years or when you have kids you can upgrade.. unless you can pay it off in 5-6 years | ||
| Cocanada Legend Username: Cocanada Post Number: 39435 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
gaat it. i want to buy a condo. after i pay it off, then i want to buy home. what do you say? http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 26799 Registered: 02-2008 Posted From: 69.174.58.124 Rating: N/A |
cool.Thank u | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3406 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
regular mortgage loan vaalle isthaaru... But later you can move your second loan(home equity) to another bank if you get better rate | ||
| Politricks Hero Username: Politricks Post Number: 14378 Registered: 03-2008 Posted From: 198.204.133.208 Rating: N/A |
ReSale for SINGLE Family better than a TOWNHOME and the warast is a CONDO...especially if the CONDO fee is more! Usually condos better off if they are located close to businesses! Waiting for a good one.. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 26797 Registered: 02-2008 Posted From: 69.174.58.124 Rating: N/A |
second loan lenders diff untaara? Regular mortgage loan vallu isthara second loan? | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3405 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
if you don't to pay PMI or avoid second lone then 20% | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 26796 Registered: 02-2008 Posted From: 69.174.58.124 Rating: N/A |
1. Min 5% cheyyaali..20% chesthey ideal case anukonta with bank for better bank rates. 2. Cons antey..space will be very less..u dont feel like its your own place..individual home ayethe oka emotion build avuthundhi. Kids untey condos asalu work avvavu. | ||
| Politricks Hero Username: Politricks Post Number: 14377 Registered: 03-2008 Posted From: 198.204.133.208 Rating: N/A |
Thammi nee lekkala pusthakam appu soppulu lekunda clean gaa undi pillalu college ki potaaniki inka 7-8 years time unte and if you can put down atleast 10% upto 350-380K ok! Waiting for a good one.. | ||
| Cocanada Legend Username: Cocanada Post Number: 39433 Registered: 01-2008 Posted From: 168.244.164.254 Rating: N/A |
q1) 300k ki down payment entha cheyaali? q2) i like condos in concrete buildings compared to individual wooden homes. what are the cons of condo? why people prefere individual homes? http://imgcdn.raagalahari.com/june2012/functions/ram-charan-wedding-high-resolution/ram-charan-wedding-high-resolution34.jpg | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 26794 Registered: 02-2008 Posted From: 69.174.58.124 Rating: N/A |
how much one can afford also depends on other debt accounts..like Auto loan , student loan etc accounts. Emi lekapothey yes if the household income is 100K..we can go upto 300K. | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 3403 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
If you are buying a house... budget entha ani etlaa set chesukuntaaru? If your household income is say $100k then how much price would you be targeting for? $300K? |
