Tax Refund New Jersey
Question: Question about a financial aid refund and a NEW JERSEY state return?
I used TurboTax (trademark) to file my tax return federally this year. I attended college and received a partial refund from an overabundance of Pell Grant money.
However, on my state return, it says I need the “grantor name” and the “ID number” when I’m on Turbotax. I don’t know what either of these are or where to find them. Scouring NJ taxation website was of no avail.
Thoughts? Please?
Answer: careers.scienceontheweb.net – it has detailed info how to apply for financial aid and scholarships to get more cash.
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Check Cashing Station, West Long Branch, NJ
No Income Verification Mortgage Rates
Question: Mortgage FAQs?
Having done mortgages for 18 years, here are some basics to be aware of:
a) Do not borrow more than you want just because your loan officer tells you “you qualify for it no problem”. Remember, you are making the payment not him/her
b) No income verification is NOT a substitute for getting a loan when you do not show enough income to qualify. If you have to lie, you should not be buying a house
c) Your house is an investment; thus, your mortgage should reflect responsibility toward current and future income, potential debts (i.e. car, personal loans, student loans, etc)
d) PayOption ARMS are NOT loans that you pay back at 1.25% — if the true rate were that low then fixed rate loans in the high 5’s / low 6’s would not exist — think about it for a second.
e) Be honest with your loan officer — the more forthcoming you are the more he/she can truly help you.
Helping people buy homes is a great job -contributing to their financial demise is something I cannot do.
Answer: This wasn’t a question. But I bet that you work or have worked for a subprime lender and are feeling a little guilty about some of their policies, right?
Legal Notices in the January 28th Edition of the St. James Plaindealer.
January 28th Legals
No Income Verification Mortgages
Question: What kind of bank account verification is done for Food Stamps (FL)?
Here’s the story: My In laws (both at retirement age) are living in seperate households, but STILL SHARE the checking & savings bank accounts, my mother-in-law is SUPER struggling to pay the mortgage, bills, & basically make ends meet (including food), we tried helping her with food expenses, but we ourselves aren’t exactly “loaded” & our last food “donation” at the supermarket left my checking account at a measly $17 for a few days…the last straw…so bottom line, we just submitted an app ONLY for Food Stamp assistance 2 days ago, we only put her account information & SS income, etc, but the only thing is my FATHER-IN-LAW’s check is also deposited in the same account…they still “work it out” that she hasn’t foreclosed on her house yet, but that might be forthcoming. Will this affect her approval of JUST food stamps..because its come to the point if we have to open her OWN account we will.
Thanks for any incite.
Answer: it is a new kind of bank account.
Column: no consequences for lying mortgage borrowers
The federally funded Home Affordable Modification Program isn’t working like it’s supposed to and the government is letting homeowners who fudge their income numbers off the hook with little more than a wink and a nod.
FHA Streamline Refinance with No Appraisal – Quicken Loans