10 weeks old Chihuahua begging to be saved from deadly shelter

Looking for your dream home is a thrilling time of life. After you find your ideal home, you'll need to get approved for a mortgage. To navigate the challenges that may frustrate you if you 're not prepared, organize your assets so you can secure a good deal on a mortgage. Ideally, you should prepare your finances at least three months ahead of time to increase your chances of approval. If you're just in the search process, start now to get your assets together. That way, when the time comes to buy, you'll be ready.

Have Two Months' Bank Statements Ready

You may want to create a file folder to hold all of the information. First of all, make copies of the most recent two months' bank statements. Include both savings and checking. Lenders want to see a consistent history of deposits, not a huge lump sum deposit when you get ready to buy. A large deposit may mean that the money was a gift. Lenders want to see that you're earning the money yourself. They want to know that you can keep paying on the loan after you receive it. Keep the same bank account. If you switch accounts, it may look as if you have made a large deposit from the amount transferred. If you have to transfer a large sum of money for an estimated down payment, transfer the funds three months ahead of your need.

Ask Your Employer for an Income Verification

Proof of a steady income is how you prove to your lenders that you can pay on your loan for the long term. If you plan to change jobs, wait until you have secured your loan before you do. If you've been with your current employer less than a year before applying for a mortgage, provide your former employer's contact information so the lender can verify your income on that job as well.

Self-employed people need to provide the lender tax returns that document their income. Have three years' worth of tax returns available for the lender to look over. Some lenders may ask you for a letter written by a CPA to verify your income

Other Assets May Be Considered

Include titles or other proof of ownership of other significant assets. As for real estate, unless the co-owner of the property is also applying for the mortgage, you must be the only owner. Assets may include the following items:

Investment accounts

Life insurance policies

Boats, vehicles, jewelry, and antiques

Real estate holdings

Don't make any changes to your financial status until you have closed on the home. Lenders often double-check on your situation just before you close. For more information about applying for a mortgage, contact your local mortgage professionals.

Luxury Mortgage Corp is a private firm that has been providing homeowners a range of residential mortgage products since 1996. Our success is a result of providing one of the widest range of programs, some of the most competitive pricing and an experienced staff to deliver a new standard of luxury service in lending. With our corporate office located in Stamford, Connecticut, and branch locations throughout the country, our goal is to be accessible, attentive and prepared with a great team that actually likes this stuff (so you don't have to).

I loved them my whole life - What did I do that was so bad they would bring me to a cold, heartless shelter to die - sad and alone? And yes, this puppy needs a miracle. Share this little dog’s plight with friends, family, social media contacts and approved rescue organizations. Sharing saves lives.

I am a male, brown and white Chihuahua - Smooth Coated mix. Shelter staff think I am about 3 months old. I have been at the shelter since Feb 13, 2019.

INTERESTED IN FOSTERING? If you're in LA, OC, San Bernadino or Riverside County and would like to apply to foster a Carson pup, please call the shelter to complete the foster application.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Bernardino City Animal Shelter
333 Chandler Place
San Bernardino, CA 92408
Phone Number: (909) 384-1304
Closed Sunday and Monday
Ask for information about animal ID number #A521551

Speak Up! please share this story on Facebook or Twitter so we are closer to finding this terrified soul a home. We have done it so many times together, and can certainly do it again. Thank you!

STATUS : - read comment for update from crossposter
As a result of rising interest rates, job losses and other economic factors, more home owners than ever are now considering the option of mortgage refinancing in a bid to lower their monthly payments. While this is normally a good idea for many people, there are a few pertinent questions that require answers before you even consider signing off on any form of refinancing agreement.

Do I Have Equity in my Home Yet?

In order to qualify for a new loan without having to cover the cost of private mortgage insurance (PMI), you will need to have equity in your home of at least 20% - but preferably more. If your equity level is less than 20%, the additional cost of PMI could end up outweighing the savings benefit of a refinance. Numerous home owners today are finding themselves underwater, which means that they currently owe more on their mortgage that what the home itself is actually worth. However, if they are able to provide a lump sum payment that will help them gain the needed 20% equity first, it may still be worthwhile for them to apply for refinancing.

How good is my Credit Score?

This is one of the most important factors that will affect whether you will be able to qualify for mortgage refinancing or not. Although the final mortgage rate you receive will depend on your overall credit score, with lower rates being awarded to those with the highest scores and credit record, it is important to remember that you will need to have a current credit score of at least 720 or more for most companies to even consider submitting your application. If you have a credit score of 620 or lower, you may find your application being turned down until such time as it has had time to improve.

What are my Financial Goals?

The main reason for mortgage refinancing is to help lower the monthly repayments on a home; however, some people refinance in a bid to shorten their repayments terms as well, which results in them repaying higher amounts over a shorter period. As a result, it is important for home owners to ensure that they will be able to commit to their new repayment schedule. It may not be a good idea to opt for higher payments if you are struggling to afford to finance your retirement, and it would be just as unwise for older couples who are planning to retire in a few 10 years to opt for a refinance period of 15 or 20 years.

It is also important to use the services of a mortgage refinancing officer or firm that is reliable and that has an excellent track record. You will need to ensure that all information you provide at the time of making the application is honest and accurate, as this will enable it to be processed in as short a timeframe as possible. Contact us today to find out how we can help you refinance your current mortgage.

Looking for a refinance or a new purchase mortgage? At RateWinner.com we can help low credit scores and high. Helping NJ, VA, and PA borrowers including Philadelphia.

3 Responses to "10 weeks old Chihuahua begging to be saved from deadly shelter"

  1. I'd absolutely LOVE to have this precious one.Can someone out there help me get him to Virginia?

  2. I live in the OC (Irvine) and me and my lovely 14 year old granddaughter would love to foster this little guy and possibly provide a permanent home if he gets along with our kitty. I will contact the shelter, but if they get this message - please email me back to let me know if he's still in need of a home.


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