What is ATIMA stand for in relation to mortgages?
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It is the standard insurance that is required for you to satisfy the requirements of a conventional loan. Without it companies would have more trouble selling loans to each other. \n\nquote from source:\nThe industry's coverage standard for the mortgage clause is referred to as ATIMA or "as their interests may appear"
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I cannot offer an answer for the first part of your mortgage,  most brokers will offer self cert as most mainstram lenders are now offering a self cert option via their specialist lending companies, which can cause consumer confusion as most are names which are not familiar to the lay person and only people working in the industry.  I know of a great 2 yr fixed with accord mortgages who is the specialist lender of Yorkshire Building Society - fixed for 2 yrs at 4.99% a prime product you could acheive approx 4.47% with nationwide (subject to conditins of course) so all in all compares quite well I think. Hope this helps with part of your question.
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What I would do ? Search for some mortgage brokers web sites,  visit them, and contact those who looks the some agressive in their sales strategies. \n\nHope it helps,
1100149
Ofcourse, I am a Sales Rep for CITINET MORTGAGE, We deal in all credit senarios, from A paper- subprime,and are approved with 150 different investers. Send me an e-mail so we can discuss your specific situation, we also do credit repair.
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Payment on what? Your question needs details.\n\nAre you refering to a mortgage payment or a car payment? Perhaps if the payment is late, it is a breach of contract so they can refuse and force the articles of the contract.
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It's not easy, and without more information I cannot give you direct advice. But visit the mortgage Professor - you'll find a link to his website on mine.\n\nSee source pages below.\n\nGood luck!
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try contacting one of the three major credit bureaus, call a mortage company for the numbers.
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Call a random mortgage company and ask them this question.
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My roommate is a mortgage broker who specializes in manufactured and mobile homes. He would be happy to answer your questions and help you with no obligation. I cannot post his contact info here, or it will probably be removed for advertising. If you would like his contact info (website, email, or phone number), contact me through my Q&A page. Just click on my screen name and email me. He works with 5 different companies who solely finance manufactured and mobile homes.
856993
I have MS Excel 2003 which doesn't have this specific function wizard built in.  It has a template for mortgage amortization tables which can be downloaded.  However, you can create your own formula if you know what the monthly payment of the mortgage is.  Create 5 columns; payment date, payment amt, interest pmt, principal pmt, and loan balance.  For the first payment date create the row like this:  In the interest column, your formula is 200000*.05/360*30.  In the principal column your formula is payment amt - interest amt (the previous column).  The loan balance column is 200000 - principal pmt.  For the second payment date (and all rows after) use the same formula except for the loan balance.  That formula would be the previous loan balance (the cell just above) - the principal pmt.\nCopy the second row of formulas for the entire length of the loan (each row is one month).\n\nIt's much easier to show this on a spreadsheet than it is to write it out like this.  Basically, mortgage interest is calculated by taking the loan amount times the interest rate and dividing it by 360 (avg number of days in a year).  This gives you the daily interest amount.  Multiply that by 30 days (avg number of days in a month) to get the total interest for the month.  Subtract the interest from the monthly payment amount to get the amount applied to the principal.  Subtract this from the total loan balance to get the new loan balance.  Use this new loan balance to calculate interest and principal for the next month, and so on and so on...
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zillo maybe bet your mortgage company needs to give you that info. CAll them
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I'm guessing HBOS stands for home builder. If so, then HBOS have fallen because interest rates have risen. When interest rates rise, mortgages become less attractive.
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best bet is to check the ATF's website \n\nhttp://www.atf.treas.gov/
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It another way is indicating the total amount due.\n\nI write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful.
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There is no law against it .. however, it all comes down to the lenders individual guidlines. Your best bet is to have your LO look at the guidlines, and or contact the underwriters, and find one that will allow it. \n\nThere are alot of ways around this problem ... If you have a good LO he will know what to do.
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where do u live? in the uk there are joint ownership scheames. a housing agency pays half your mortgage, you pay the other. if you ever sell they get half, but so do you. and you buy the home yourself.
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Talk to a mortgage broker. I can help you find one if you want, just email me. What state are you in. I am licensed in quite a few.