I am an attorney in Missouri and consequently not licensed in the state of New York. However, it appears your question revolves around basic contract law and the Fair Housing Act.
You may have a cause of action for breach of contract if the extended the offer to you unconditionally. What I mean is if they informed you they had completed their due diligence and the basic terms had been agreed to and all that was left was signing the written lease agreement by you and your roommates (lessees), and an agent of the lessor. Typically, it is only necessary for leases to be in writing if the term is a year or more.
The next issue is why you require an emotional support animal. If it is because of a condition that is considered a disability (defined by the FHA as a condition which impairs a major life activity) and there is proof that was the fsctor used to deny you housing, it is possible the lessor violated the FHA. The US Department of Housing and Urban Development (HUD) is authorized to receive and investigate complaints of discrimination in the lease or sale of property due to a consumer's disability. Moreover, I am sure New York has a state agency with similar authority.
IF the lessor had indicated you all met their criteria for leasing, I would advise submitting complaints to HUD and the New York housing authority. It probably isn't worth your time and headache of suing them to enforce the contract. You probably don't want to live there anyway.... more
If you have a low debt to income ratio, and you borrow a thousand dollars,
and if after borrowing you still are eligible under D-T-I rules,
Are you still eligible or are you automatically disqualified because you borrowed?... more
Having multiple levels of inspection is a preference of some buyers. Some start with a general inspection and then have a specialist opinion for specific items as needed. Others may have their own contractor they work with that they prefer to use.
Hello Bernie67, there is more information missing to answer as we have 100% LTV programs. Are you speaking of a refinance or purchase? Our 3% down only goes up to 424k conforming loan limits.
The purchase in 94133 start from 599k for 1bd 1ba condo. On purchase you may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.
Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
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NMLS# 297251... more