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horsegoer

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  1. Hello and thanks in advance. My lease is ending and I'm going to buyout(finance) my car, purchase price is $20k. My current lease payment is $405 and the finance payment will be about $365. How will going from lease to finance affect my credit report? If I'm going for a mortgage how differently would if affect the application/approval process having a lease on my credit as opposed to a finance? Thanks again.
  2. No not at all just was curious how the two were used. Sent from my SM-N960U using Tapatalk
  3. Thanks. Doesn't it affect debt differently. Say I'm.applying for mortgage and they look at debt to income ..would the lease be diff than the finance trade line? Sent from my SM-N960U using Tapatalk
  4. Leasing a Honda accord. Into the 2 year of a 3 year lease. I'm going to buy it out(finance) tis weekend. I drive it alot due to job change and want to keep it for a while. Will this hurt my credit(or how does it affect it) now since I'm switching from lease to finance? Thanks It'll be about $22k. Sent from my SM-N960U using Tapatalk
  5. Thank you. We currently have a mortgage.
  6. not really close personal friend. know through a family member.
  7. Hello. Me and my wife might be buying a home from our friend as an investment property. He has no problem not going through a bank and holding the loan/mortgage himself(house is paid off)....we would obviously draw up a contract/mortgage/terms etc. through an attorney. I/we could also go the conventional route and go through a bank. Would like to weigh the pros/cons of each route. The only one I can think of is that is we don't go through a bank that's debt I have on my credit. I guess that's a biggie. Any input would be greatly helpful.
  8. Buying my lease out and ussa approved me at 3.8%...Said they could possibly go lower if I got competitors offer st a lower apr. Any other lenders offering low aprs on car loans? Thanks Sent from my SM-G955U using Tapatalk
  9. I can BT a Prosper Loan to a CC? I can pay off the loan in less than 2 years.
  10. Have a 3 year Prosper loan at 7.2%. Credit score of about 800. Can anyone suggest where I might be able to get a loan at a lower rate to pay this one off? TY!!!
  11. So like I said my wife was approved 60 months at 5.1 %. She didn't finalize the deal cause she needed inspection and a few other things. As you can see her payoff is 16,300 but her final total financed is going to be 18,900.... her friend just called her to give her the total. She didn't see the breakdown yet to see why there is 2,600 added to her payoff. She's thinking it's tax but there is tax added already on the payoff letter. Again she was financed through a Volvo dealer were her friend is the finance manager. Any insight as to why there might be so much added to the payoff amount? Thanks a lot. Sent from my SM-G955U using Tapatalk
  12. 2014 jeep cherokee.thanks Sent from my SM-G955U using Tapatalk
  13. Hmmm. So we pay for all repairs? Thanks Sent from my SM-G955U using Tapatalk
  14. Not sure if this is the right place. First want to thank everyone that helped with my "wife- financing" thread. She was approved with Chase at 5% and 60 months. She has a Jeep but her friend works in the finance dept. at Volvo and she helped her get the approval. Now she needs a warranty for the car. Can anyone recommend a reputable warranty company? Thanks.

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