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Old 05-28-2008, 08:02 AM
 
Location: NEW YORK
12 posts, read 26,408 times
Reputation: 13

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WELL, HERE GOES...

I want to relocate my family to Moderator cut: edittexas..

To start off I havn't worked in almost 3 years,I've been collecting Ny Compensation all this time..(I had back surgery),As I have recovered about 90% and am ready to start work, Its also the end of my case and am finally getting the settlement, And can finally move on with our lives.

So now, we really want to go somewhere beautiful where you get your moneys' worth..Since it isn't enough to buy a jet but definately to put some for a down payment on a home.

Now; I don't have a job yet, but am a professional Truck Driver and have a CDL B-P which i'll be upgrading soon to a CDL A with tanker and hazmat endorsements..
(I want to have everything I need to get the best opportunity for work.)

I have no clue where even to start looking for a job,but still thats the tip of the iceberg...

My Credit isn't that good(never bankrupt) but I will be paying off soon,the couple of cards I forgot about.

Now;

This is what I'm hoping to be answered by writing this;

1-How do I go about getting the requirements of getting a first time homeowners loan? Where should I go(call)?

2-What should I expect in interest rates?

3-Are there grants for first time buyers? Do I qualify?

4-How much will I be able to borrow?

5-Am I even asking the right questions?

Im sure that once these questions get answered I'll have more...
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Old 05-28-2008, 08:24 AM
 
Location: NEW YORK
12 posts, read 26,408 times
Reputation: 13
Default Im Relocating My Family From New York To Texas,what Do I Do???

WELL, HERE GOES...

I want to relocate my family to texas..

To start off I havn't worked in almost 3 years,I've been collecting Ny Compensation all this time..(I had back surgery),As I have recovered about 90% and am ready to start work, Its also the end of my case and am finally getting the settlement, And can finally move on with our lives.

So now, we really want to go somewhere beautiful where you get your moneys' worth..Since it isn't enough to buy a jet but definately to put some for a down payment on a home.

Now; I don't have a job yet, but am a professional Truck Driver and have a CDL B-P which i'll be upgrading soon to a CDL A with tanker and hazmat endorsements..
(I want to have everything I need to get the best opportunity for work.)

I have no clue where even to start looking for a job,but still thats the tip of the iceberg...

My Credit isn't that good(never bankrupt) but I will be paying off soon,the couple of cards I forgot about.

Now;

This is what I'm hoping to be answered by writing this;

1-How do I go about getting the requirements of getting a first time homeowners loan? Where should I go(call)?

2-What should I expect in interest rates?

3-Are there grants for first time buyers? Do I qualify?

4-How much will I be able to borrow?

5-Am I even asking the right questions?

Im sure that once these questions get answered I'll have more...
Rate this post positively Reply With Quote Quick reply to this message
 
Old 05-28-2008, 09:17 AM
 
Location: East Texas, with the Clan of the Cave Bear
2,263 posts, read 4,555,646 times
Reputation: 2761
Default Lots of unfamiliar ground to cover here.

Most of these questions are way out of my field of expertise ... maybe there are some realestate folks or loan officers around to help. I am sure your individual credit risks will be handled differently by different lenders . I do know a little bit about Texas though. Any questions on that?


Just some hints on job search. Texas economy is quite robust (at least in my area). Lots of jobs in trucking related to the boom in the oil industry. Houston area (within 125-200 miles or so of Houston proper) plus West Texas has tons of oil/gas exploration/drilling. Other areas too. Search drilling and trucking companies and get a good job prospect or 10. Come investigate and see what you think of the area(s). Lots of haz mat hauling around houston because of the petrochemical industry.

One last thing ... are you willing to disown the Giants, Jets, Yankees(yuk), or Mets and get onboard with the Cowboys and Astros? This is a very important question.
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Old 05-28-2008, 12:46 PM
 
Location: San Antonio
4,146 posts, read 9,613,975 times
Reputation: 3321
You really need to be talking to a lender to get all these questions answered. Find a lender that's in the area you're going to be moving, as it really helps to have someone familiar with the area. If it's SA, I can recommend ones I've had great success with, and I'm sure others on here can too.
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Old 05-28-2008, 03:29 PM
 
Location: East Texas, with the Clan of the Cave Bear
2,263 posts, read 4,555,646 times
Reputation: 2761
Did you really posts this on here 6 times??????
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Old 05-28-2008, 05:27 PM
 
1,491 posts, read 4,793,422 times
Reputation: 949
Loans are getting harder to get and almost all lenders now require that you have been with your current employer for at least one year before they'll approve a loan no matter how good your credit. That's one of the 'new' rules they've put back in place since the loan difficulties came about from being too generous with loans. When I was in a related business, we could get a customer approved if they were just working in the same field for one year, altho not for the same employer.
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Old 05-29-2008, 10:26 AM
 
1 posts, read 2,750 times
Reputation: 10
This is what I'm hoping to be answered by writing this;

1-How do I go about getting the requirements of getting a first time homeowners loan? Where should I go(call)?
We live in El Paso. Decent priced homes and good quality of life..We love living here. We went through our bank 1.800.772.0009 and got great rates
[url]https://www.gecu-ep.org/home/home[/url] this is the website
2-What should I expect in interest rates?

3-Are there grants for first time buyers? Do I qualify?
They have grants, I think, depending on which part of town you buy a house from.
4-How much will I be able to borrow?

5-Am I even asking the right questions?

Im sure that once these questions get answered I'll have more...
Rate this post positively Reply With Quote Quick reply to this message
 
Old 05-29-2008, 10:30 AM
 
Location: Central Texas
20,788 posts, read 39,676,561 times
Reputation: 24203
Given the current market, I would recommend that the first things you need to do to move your family to Texas is to get a job and rent for the first year. This will allow you to make sure the move is the right one for you and also to have some recent work history to use when applying for a mortgage.
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Old 05-30-2008, 06:59 AM
 
Location: NEW YORK
12 posts, read 26,408 times
Reputation: 13
Lol Yup
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Old 05-30-2008, 07:00 AM
 
Location: NEW YORK
12 posts, read 26,408 times
Reputation: 13
This Was Good Advice Thank You
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