₦airaland Forum

maestro2000:
Boss, I understand how chapter 7 works both in and out and everything you said are true but you're still ommitting some clauses and backlashes that comes after re-organization. Why will I want to snitch on him when he has already done that. Talking from experience bro. I have seen it first-hand and I know the consequences of what he just did. Don't flaunt such wealth online while claiming middle or lower income earning.


Oh, forgot to add that I am 100 percent sure he doesn't have a perfect 800+ credit to facilitate 0% down payment. Bro, no bank or realtor in LA will sell their houses for 0% down payment when there are tonnes of people ready to drop like 50%.

Thank You and may God bless you! Nobody in LA will accept 0% downpayment when they’re a tons of people willing to drop 20-50%! Heck, even 80%. Houses sell within hours and a house like that in LA, the owner will go for the highest bidder. No time!

linearity:
I was responding to the post state assume that, he requirements of an escrow are too complicated and as such, he wouldn’t be able to make or get approved.

Passing through presupposes that, one already have the cash. I was just stating that, the escrow step is unecessary.

Oh. Okay. Gotcha.

Yoshy:
Lols, see the irony of what you just said. You can feed whose family? Shut up right there. And #400,000,000 is a lot of money to you? Keep leaving in denial, I can boldly say it again, your problem is POVERTY MENTALITY.

If he makes or made $96k per month for a year, he can comfortably afford the house, now do you think that's impossible for a side gig? (assuming that's the source)

Ha. Oga. $96K a month In this America? Him be Jay-Z ni? Even most of the highest paid professionals (excluding some in the medical field) earn about $150,000 -250,000 a year.

linearity:
If you have the cash, you don’t need an escrow service, goes walk into closing with your cashier’s check or wire the said (amount - earnest money) on closing date after putting down your earnest money earlier as agreed to between buyer & seller.

And he has a million dollars just laying around? Okay sir/ma

manny4life:
So you and I do agree that conventional loan does accept up to 0% with excellent credit? Anyway, I just wanted you to see your own argument, whether LA is hot or not is not relative to the argument; I wanted you to see that your $180K calculation was somewhat faulty considering that no loan requirement, at least by law, requires a mandatory up to 20% down payment upfront. If we used the minimum of 5%, that's 50k not 180k, which we agree is absolute. Now determining that LA is hot will add to the down payment is only a relative consideration which means, it could be 50k minimum (by law and absolute) or $500,000 (relative consideration). This is my point. Nothing more.

Oh one more thing, for FHA loans you can cancel it with a refinance option simply because you already have up to 22% equity on the property. Don't worry about me looking up LTV's, as a small REIT person, I've done just about every mortgage calculation there is.

If your point was trying to correct the $180K which btw is 20% thereabout you could have pointed that out or asked me to explain, instead of telling me I’m posting rubbish. Anyways, we agree to disagree. Have a great afternoon.

manny4life:
Lmao... You live in CA? I was expecting you'd quickly claim you live in CA, and I was right. I am not gonna insult you, but I really want to test your knowledge on Mortgage practices. Is mortgage lending pursuant to federal or state law? About 70% of all U.S. mortgage loans are FHA and are largely underwritten by Fannie Mae or Freddie Mac, while the others are pretty much Conventional. FHA requires a minimum down payment of 3.5% with a minimum of 640 credit score and conventional, and up to 0% down if excellent credit. Of cos, conventional loans are pretty much difficult for the average man to qualify for since you need scores of up to 750 or more. So I ask again, under what loan is a a 20% down payment required? Or are you confusing it with PMI requirement?

Is that all you’ve got? Lmfao. Of course I live in CA. Central Valley to be precise. I don’t need to prove to you if I do or not.

Yes, FHA requires a down payment of 3.5%. But they do have a ceiling. I mean, the max they can loan you. Any other purchase above that, you have to come up with the difference.

Conventional does accept 0% down payment. But that’s with excellent credit. 800+. You’re telling me he has that? And let’s assume he has the stellar credit. He also has to have a steady verifiable job that provides you with income that is sufficient enough to pay your mortgage every month. Google Loan to Value calculations. Nope. I am not confusing it with PMI. PMI cancels after you’ve made payments that’s puts you at 20% of the total loan value. For FHA, it’s for the life of that loan.

Let’s say he did FHA. And he got the most FHA will finance for LA county which is 680K, he has to come up with $320K out of pocket. If he did conventional, which we both agree is very hard to qualify for and he put down 5% that puts him at $50000.

But one thing I am very sure of is: LA housing is very hot. Houses sell within hours and you must Times have 5-6 people fighting for the same house. He house goes to people with the highest down payment. And some people have 50% to put down oo. We just bought a house last year, and no. It’s not in LA. We def cannot afford it.

manny4life:
And how did you arrive at such outrageous figure?

Yall just post rubbish just because you think you can... How in Pete's name did you figure a down payment as high as that

Uncle. STFU. I live in CA. I know what’s up. If that house is indeed in LA, it will be valued nothing less than $1M. To get a mortgage, you need between 5-20% downpayment depending on your credit and income and the kind of loan you’re looking to finanace the house with (FHA or conventional). FHA loan ceiling for a single home like that in Los Angeles county is around $680K which means for you to buy a $1M home, you have to come up with the rest of the $320K out of pocket. Conventional requires 5-20% and with how hot the LA market is, they will sell to the person with the highest down payment. All this is minus escrow fees, closing costs, appraisal fees, agents fees, insurance and all that. Please do the math. We are not all stupid.

zika1:
He's with the UN in the US

Point me to one job he’s done for the UN. Yes r you think the UN is like the Nigerian house of reps or Senate where they share Ghana must go of money? All of them are government employees and salary earners.

mamatwiny:
Difference btw living in naija and usa legitimately.

All u need to do is get a skill in demand, 2 years you are done and you start cruising life. Getting a mortgage for dt house after working for 4 to 5 years is one of the easiest things to do.

You do realize the down payment for such house will be around $180,000 right?

CaptainJeffry:
In some areas especially where I live, that house is worth at least one million dollars as at now. Maybe 700k in Inglewood, Lawndale and Hawthorne not in Carson, Torrance, Lomita and Harbor City, Redondo Beach.etc

Thank you oo. I was even being economical with the price ni o.

CaptainJeffry:
Bought or rent?

If bought, how much down payment and how much monthly mortgage?

Stop deceiving gullible Nigerians who after looking at this will look for who to kill for money ritual.

Exactamente! He’s probably renting. I live in California and even people with steady income and all find it hard to buy houses in Los Angeles. They would move inwards into SoCal and buy. Most people in LA rent.

Good for him. Bloggers Sha. That house is probably on mortgage or something. He might even be renting. That house in LA will not be less than $900,000. How was he able to pass the escrow process and fork over that amount of cash to buy the house outright? Escrow process is a pain and they will question every single dollar you’re using as payment.

OP: may God bless you as you’ve put smiles, joy and laughter on someone’s/a family’s face. Infertility is hard and using donor eggs is rather unheard of in Nigeria.

I’ll say this tho. You get mind! I would love to help families who have issues with producing eggs out but the thought of having my
Offspring, a child of mine out there will drive me nuts. Kudos! And once again, God bless you.

Liftedhands:
Hahahaha lmao, lucky you sis! How I wish I can do that breast reduction+ lift my life will be a whole lot sweeter and easier.


Happy valentines day and how's our little interior decor guy?

Interior decorator says “Good afternoon ma’am. Here I am. I am pleased to inform your that I have graduated this opening doors, mixing rice, beans and Garri together in the pantry and smearing aquaphor on everything in the house(including my mommy’s bra)”

Liftedhands:
Aunty goan buy kostey(spp) abi wonder bra cos ala darada adago according to flavour

My Olympus too has fallen flat like the walls of Jericho na packaging get us.

However I heard there are some exercises one can do to help tone up the chest muscles which may help lift things up a bit! Google for more info.


Or you goan do breast lift surgery

Koste onirin! my own Olympus has died, not fallen alone. Hahaha. I was a 32G prior to breastfeeding so you can imagine my dilemma. I don still lose a lot of weight Join, the breast sef lose weight! I dey pity my husband sef. Dude must be traumatized The good side is, I have heard my insurance covers breast reduction and reconstruction so Na to lie give my family physician say back dey pain me, cos I heard that’s the only way they will cover the procedure. But until I am ready, koste onirin to the rescue.

Omodadi2:
I was interviewed again today(3rd time)

VO: why are you going to the US

To have my second child

VO: Have u travelled outside Nigeria before

Yes. In 2016 to have my first

VO: How long are you staying
3months

VO: Do you have the proper documentations this time?
Yes I do, which one would you like to see

VO:Doctors correspondence and expenses
I gave her all email communications, appointment confirmation, expenses sheet from doctor, my budget sheet of $20,100

VO: checked very well, and asked for financial cover
Gave her Nigeria bank statement, US statement, payslips, employment letter from my office.

VO: checked through and said, sorry you are not eligible for the visa.

I went ahead this time to asked her why I am not eligible, she referred me to online information for medical tourism criteria and the documents required, I told her these are all required, tell me whc isn't there.

VO: You brought them but they are not making sense. I also said sorry, is it the account statements or the doctors correspondence and I feel you could ask a question or two if there's something not clear to you. ? VO kept mute and later said that everythingis there on paper, you don't need to be explained anything.

I wanted to talk again then she said she's sorry, she may not be able to give me any more information. Have a nice day!

Only God knows the criteria for getting US visa again now cos I don't get it anymore. My visa expires in January, many people told me to use it before expiry and I will be stamped. But because I like following due process, I said NO that I'll renew my visa, now see my life. I have spent up to 500k applying and travelling for visa interviews. The same thing I got in 2016 by just saying the truth this way, and even now my income has increased and the claim is I am not eligible. It is well!

Something is up here. Methinks the first VO that interviewed you either noted something contradictory on your interview transcript, or maybe you made some mistake filling your DS-160 somewhere. If you have copies of the previous DS-160s, I’ll suggest checking and comparing them carefully to see if you made any mistake.

Another angle might be at the POE. Did you say anything that might have contradicted your story at the embassy? How far along are you? If you still have time, apply to Canada. Cross your fingers and pray. Cos both countries have come out to declare that they now share information. If you’re gonna be applying for a Canadian visa tho, do it fast. Those guys are notoriously slow. The UK IMO is not worth the money, except you’re going there for the superb medical services. No chance at citizenship. Pele, this is really confusing.

ubunja:
done by how many people per 100 than you can shout it like its something normal like immunisation??

I updated my earlier post. Check it out.

ubunja:
if in nigeria you are doing genotype testing before marriage you are the only ones doing it. america, australia, russia, all the countries are not doing it. coz its a shiity thing to do.noone else is that crazy

Say what you know sir. It is done in America. When you’re pregnant too. And like someone said, blacks have a much much higher rate of sickle cell, so it is especially encouraged for us. And if you’re from sub-Saharan Africa, you have a even greater risk. My OB wouldn’t even commence any pre-Batals on me until my genotype testing result was out. And mind you, my OB isn’t black. Cystic fibrosis testing is usually done for whites, cos they have a much higher percentage of having it.

LaudableXX:
I am sure that if it were possible to do genotype testing to avoid bringing a child with Down's syndrome into the world, many people would do it.

But for Sickle-cell, a simple, inexpensive genotype test exists, that prospective parents can take, to avoid bringing SS children into the world. That is why in this day and age, it is sad if parents still go ahead deliberately to have SS kids, when they could have avoided it.

If you are bi-polar it would explain why you have been giving such strange responses on this thread. Please take your medications. Accept my sympathy on your condition.

It’s actually possible to test for Down’s syndrome and other defects before the baby is born as well. There is this thing called the “Nuchal Translucency Test” which is a combination of blood tests and an ultrasound. It is done in the second trimester of pregnancy.... 20 weeks or thereabouts. It tests the amount of fluid behind the fetus’ neck and it gives the odds of the baby having Down’s syndrome. If there is a high risk, the might do additional testing where they insert a needle and collect sample of the amniotic fluid to be certain the baby ha Down’s syndrome or some other stuff. And if it’s indeed true, they tell the parents and give them a chance to decide if they want to keep the baby or not.

dubolog:
V.O once answered that u can Drive on B visa with your valid international Driver's license like LadyG also confirmed. Don't just think of Working too like "Nigerians in diaspora" na there u go get issue.

Not all states allow this. Each state with their own set of rules. Best bet will be google.

Infiosa:
Thanks bro....I am not looking at that anymore. I will take my family to to some else for now
Any future US visa application will be through employer.

Sorry about your denial. But I would point something out here for you..... applying through your employer has zilch to do with future approvals or denials. As in...zero, nada. Your employers cannot secure you future visa apprOvals. Even people with approved H visa petition from the USCIS get denied by the consulate. You have to qualify for a visa on your own and based on merit and not through your employers.

It would be best to try for a Canadian visa, like some people said and then try applying for a US visa again. But again, going through an employer guarantees nothing. #JustSaying

Omodadi2:
And I was denied again this morningat Lagos:
VO: good morning
I responded with a smile
VO: Why are you going to the US
I am going to have my baby
VO: Do you have a child born in the US
Yes
How much was your medical bill
7,500
How much would this one cost you
14,500
VO:How much do you earn
Told her
VO: Where do you work
Told her
VO: Sorry you are not qualified for the visa.

Oh wow. I rarely comment on these things but I a so sorry for the denials. I just can’t seem to place my finger in why you keep getting denied. Honestly.

How far along are you? If not too far along, maybe try Canada and hope they are not going to be as crazy as the US? This is indeed frustrating.

chidi4sam:
Jewish/Anyone, please can you help me out? My wife is heavy and her EDD is in two months time. This is her 1st. She decided not to let her brother who lives in USA to know till now. Just two days ago, she informed him. He was angry that we told him late. He mandated me to verify what it will take to get her over to deliver. Please kindly let me know if the time frame would be enough to process all she needs to get there. Also, apart from the things you wrote on the first page , are there other things she need? NOTE: Our initial plan was for her to deliver here in Nigeria . We are into this now because, her brother insisted I checked. Thanks

First thing you should ask yourself is: Can you afford it? This journey for those who undertake it is not a cheap one. It’s an average of $12K or more.

And why is your brother-in-law mandating you to check things? IMO, you’re the head of your family and should be the one making the decisions and all. If you feel this is what you want and have the funds, please by all means. Go ahead. The time is now, her EDD is in 2 months. She would need a passport (if she doesn’t have one yet) will need to get an appointment at the US embassy, attend her interview and if visa is granted, wait for her passport. That’s almost a month (if we are being economical). She will be 8 months at that point and a lot of airlines won’t fly her.

Like I said, if you have the funds and are ready to commit to this endeavor totally, start the process ASAP. Like right now. All the best, sir.

ozymes:
Note that if you refuse to put his name on BC, you will still need proof that you have full custody. Court papers.

No ma’am. Not true. You don’t need to prove custody if the birth certificate has no father indicated on it. The only time you might need court papers proving custody is when there is a father listed on the birth certificate.

franklynx:
Bro those relating to one's biographic details(age,marital status, and/or history of issues of inadmissibility thats the kind of lies u dont wanna tell especially if u once appplied with certain info(your initial biographic info stays in their database) and not info of whether your uncle or relative is or no longer in the United States....!! Just so you knw there are even some aspects of inadmissibility that can be pardoned/waived after a while such as fake documents and/or misrepresentation issues..!! Issues of espionage,terrorism,human trafficking cannot be pardoned... u hear bro

I give up! Smh. A lie is a lie, no matter what! Haba?! And we wonder why Nigeria is the way it is. We curse our leaders but given that same opportunity some people will do worse. Lord have mercy on that nation and her people. SMH

franklynx:
See make I tell u VO no go give u visa cos u tell the truth that is unacceptable..!! I don’t think u know as things be up here now unlike b4 wey OBAMA dey for throne... change is transient so VO understands that.. also interviews don’t last so much a time except your presented document appears spurious and/ or bogus... talking from experience bro..
Worst case u fit tell them he moved back to Naija to establish his business simple!! They really like to hear you returned/returning back to naija.. America no gbadun migration again oo

Lies, no matter how minute will always find a way to catch up with you. If you do not know, lies are so hard to maintain, you have to keep telling lies over lies to cover up for one lie.

It’s on here that I read about someone that was denied renewal of a visa based on a lie that they told around 10years prior. People have been stripped of citizenships because they lied on their application or somewhere along the line. Before you lie, ask yourself “Is it worth it? Will I be okay suffering the consequences if I am eventually found out?” Peace.

ladeonas:
the first question is why cant call the hospital send some money to them, get a recent updated statement to show you have a payment plan with the hospital.
then apply

I hope the hospital hasn't passed the bill to MEdicaid already. Cos they are always quick to do that.

EsotericMonk:
Good day house, I don't know if this is the right thread for this but I want to ask the knowledgeable folks here: How long on average does it take to process an asylum request in the US and at what stage can such person be allowed to travel out of the US?

I wager you will also curse me out for what I am about to write. But I will write it nonetheless.

You said you do not want to ask for asylum yet you asked the question, asking for someone creo? Anyways, to answer your question: Asylum heh? Asylum in the US is no beans. It's not like those kwe-kwe countries that will grant people asylum at the drop of a hat just by cooking cock&bull stories.

First, your stories must be LEGIT!. Cos they WILL VERIFY!. So whatever stories you or whoever is applying for it must be water tight and correct. I know someone who had been in the process since 2013 and only just got their green card like early this year. They had been in the US since 2011 or so and overstayed then applied for asylum. They had a legit story tho.

The person confided in my husband and told him they wish they had not gone the asylum route. It was hell. They had their interview since late 2016 and never got a green card in the mail until 2018. So go figure. They haven't stepped out of the US since 2011, I beleive.

Like I said, make sure whoever is applying for the asylum is a genuine asylum seeker. And like Twoods posted, I do not think there is a situation in Nigeria that warrants asylum right now. Coupled with the fact that you're from a shithole country, plus our present commander in chief, good luck seeking with asylum and and goodluck with the USCIS too.

Akaraiwe:
Family is priority and everything.

You went to an interview with your family, they get turned back and you decided to go in?

Doesn’t sound well bro, doesn’t make you look good.

A lot of people have actually went in when one or more of their relatives have been turned back because of one issue or the other and have gotten the visa. Likewise, countless of people have gone in with their families and got denied. Him going in without his family played no part in his denial.

Happy Birthday Baby Ilan, may your days on earthbe long, fruitful and worth it's while

sugah:
LEE310,
On one hand you encourage people to misuse their visa (if they choose to) knowing that it may hamper the chances of other genuine applicants getting Visas and the other hand you accuse the leaders of not caring for its followers.
Did you stop to think that maybe, just maybe the leaders are also living by your newfound ideology of "having limited time in the crazy world" hence just amassing wealth for their own and immediate generations' use and not caring for the next person? The rot we see in Nigeria today is quite deep rooted, even down to the common man on the street. If we want change for Nigeria we need to start from the root. If the followers begin to understand what is right and wrong and make conscious effort to abide by them then can they demand same treatment from the leaders. Then Nigeria would be great again and we won't have millions of people fraudulently trying to migrate to other countries.

Wait until you are put in jail at the POE cos you are carrying a Nigerian passport (like LadyG) or denied a conference visa that's supposed to enhance your career because the VO has seen too many fraudulent conference visa applications and assumes yours is as well then you might begin to understand why people here are trying to discourage illegal migration and fraudulent applications.

I guess I should start my comment with " with all due respect" so you don't feel offended.... I joke.

My dear, twins fall on you this year! You are too mouthed. How would anybody advise someone to misuse visa "If they want to?" Yet we cry and wail that we are treated like lepers cos we are Nigerians?

I do not understand Nigerians, everybody wants to leave the country by all means possible, legally or illegally. And he was talking about VOs not being condescending and courteous.. who cares? The "Don't hurt my feelings with your words" toga that Nigerians wear. despite being in the obvious wrong is what got us to where we are as a nation. Oshisko le bien

LadyGuinivere:
Personally sef, me I prefer to go alone. I always feel that group interview thing messes people up.

Exactly! All those people with sketchy info on their DS-160 will just mess things up for others in the group. Guilty by virtue of association. Some visa applicants are lied to by their visa agents that a group interview will increase chances of approval.

My cousin was telling me that the people that wanted to "package" the US visa runs for him said they will be going in a group with a King that wants to attend a Yoruba summit in NYC. I told him point blank, "Bros, na scam" He didn't believe me until they scammed him of 300K and he still did not get the visa. SMH