| Posts by lisa.scherzer |
| Subject
| Posting date |
| I would call a couple more places to double check .. |
Tue Nov 11 10:07:53 2008 |
| No they cannot charge you. I suggest you take a .. |
Mon Oct 20 11:02:05 2008 |
| That's not true. Most lenders do not have a .. |
Mon Oct 20 10:58:42 2008 |
| Since most if not all lenders have done away with .. |
Mon Oct 20 10:55:14 2008 |
| 6.75 fixed would be better than the adjustable .. |
Mon Oct 20 10:46:50 2008 |
| Yes you would have to refinance but I really .. |
Mon Oct 20 10:43:45 2008 |
| A verbal VOE is done on all loans and is usually .. |
Tue Oct 7 11:10:36 2008 |
| I agree with Benjamin. Call your lender to find .. |
Tue Oct 7 10:48:45 2008 |
| On most loans there is no set limit for the DR. .. |
Tue Oct 7 10:46:44 2008 |
| Lower closing costs I .. |
Sat Oct 4 9:58:02 2008 |
| The credit crisis is overblown. Even so, this has .. |
Sat Oct 4 9:56:46 2008 |
| Education will count towards your same line of .. |
Sat Oct 4 9:54:55 2008 |
| You said it right Brian. Lenders just don't have .. |
Sat Oct 4 9:51:32 2008 |
| I wanted to add to my post that a mortgage broker .. |
Sat Oct 4 9:46:17 2008 |
| If the home is deeded as real estate then you .. |
Sat Oct 4 9:45:47 2008 |
| You will want to look for a company that .. |
Sat Oct 4 9:44:17 2008 |
| Every company can charge more or less in the form .. |
Sat Oct 4 9:42:58 2008 |
| If he is turning over the home to you then yes, .. |
Sat Oct 4 9:39:07 2008 |
| You shouldnt have to pay an attorney for this. If .. |
Sat Oct 4 9:36:56 2008 |
| If both people are on the current mortgage, then .. |
Sat Oct 4 9:35:16 2008 |
| This should have been determined by the divorce .. |
Sat Oct 4 9:33:36 2008 |
| They had to get a judgement against you so in .. |
Sat Oct 4 9:31:41 2008 |
| Yes, I agree that it will come down to what the .. |
Sat Oct 4 9:28:58 2008 |
| It is likely that you are able to get out of the .. |
Sat Oct 4 9:27:28 2008 |
| If she is on the mortgage loan then you will want .. |
Sat Oct 4 9:25:25 2008 |
| A title company can prepare the deed for much .. |
Sat Oct 4 9:23:22 2008 |
| A mortgage company is not allowed to force you to .. |
Sat Oct 4 9:20:39 2008 |
| Banks usually do not have anything to do with the .. |
Sat Oct 4 9:12:23 2008 |
| I also wanted to add to my post that you may be .. |
Sat Oct 4 9:08:01 2008 |
| You will have to work something out with the .. |
Sat Oct 4 9:06:45 2008 |
| The final TIL is signed at closing along with the .. |
Sat Oct 4 9:02:38 2008 |
| Yes the 3% does apply as long as the 729K applies .. |
Sat Oct 4 9:01:14 2008 |
| You should look into refinancing. Wells will not .. |
Fri Oct 3 1:35:15 2008 |
| Stated income loans are hard to come by even for .. |
Fri Oct 3 1:32:35 2008 |
| Yes you .. |
Fri Oct 3 1:28:26 2008 |
| They go by the adjusted gross income which is at .. |
Fri Oct 3 1:27:52 2008 |
| A mortgage broker will be able to let you know .. |
Fri Oct 3 1:22:33 2008 |
| Getting the debt to income ratio will be key .. |
Fri Oct 3 1:18:28 2008 |
| Yes, your partner will have to .. |
Fri Oct 3 1:16:31 2008 |
| This explains APR and how the calculation used to .. |
Fri Oct 3 1:14:52 2008 |
| There doesnt appear to be enough equity in the .. |
Fri Oct 3 1:06:15 2008 |
| Yes every lender is different in what they will .. |
Fri Oct 3 1:03:27 2008 |
| You don't need to contact your lender if you do .. |
Fri Oct 3 1:01:02 2008 |
| It really comes down to what type of home you .. |
Fri Oct 3 12:58:38 2008 |
| The mortgage lender that told you that was lying. .. |
Fri Oct 3 12:53:53 2008 |
| nope, nothing has changed. It is mathmatical .. |
Tue Sep 30 1:10:38 2008 |
| If you are on the mortgage that is behind, make .. |
Tue Sep 30 1:07:58 2008 |
| Most lenders require the job to be permanent. I .. |
Tue Sep 30 1:02:41 2008 |
| Yes, 5% is correct. 5% of your monthly payment is .. |
Tue Sep 30 1:00:42 2008 |
| the above post is correct. If it were me, I would .. |
Tue Sep 30 12:58:19 2008 |
| Call your lender and find out what your options .. |
Tue Sep 30 12:54:55 2008 |
| Add yourself to title with a quit claim deed. .. |
Tue Sep 30 12:52:18 2008 |
| There is no mortgage so I don't understand why .. |
Tue Sep 30 12:48:33 2008 |
| The lender will check your credit and income. You .. |
Tue Sep 30 12:45:15 2008 |
| Every lender is different. It also depends what .. |
Tue Sep 30 12:43:10 2008 |
| If you add both, then they will both have equal .. |
Tue Sep 30 12:39:03 2008 |
| gmakerly is correct. A second mortgage is just .. |
Tue Sep 30 12:27:54 2008 |
| I have two concerns here. The first, 6.30 is too .. |
Tue Sep 30 12:24:22 2008 |
| Look for lenders that specialize in this type of .. |
Tue Sep 30 12:19:40 2008 |
| Yes it could still be an adjustable rate .. |
Tue Sep 30 12:18:43 2008 |
| The 2nd mortgage lender will NOT agree to a .. |
Tue Sep 30 12:16:02 2008 |
| It really depends on how much equity is in the .. |
Tue Sep 30 12:10:44 2008 |
| It will come down to the divorce decree as far as .. |
Tue Sep 30 12:07:49 2008 |
| Yes, I agree that refinancing is the most .. |
Tue Sep 30 12:03:14 2008 |
| No his credit does not affect yours just because .. |
Mon Sep 29 11:59:51 2008 |
| It appears that you will need to look at a .. |
Mon Sep 29 11:57:39 2008 |
| I agree that you can find a lower rate even with .. |
Wed Sep 17 12:35:39 2008 |
| To find out how much to pay towards the principle .. |
Wed Sep 17 12:33:23 2008 |
| I commend those that post their experiences here .. |
Wed Sep 17 12:28:38 2008 |
| Never heard of them but that doesn't mean much. .. |
Wed Sep 17 12:24:32 2008 |
| I don't like the way elife presents this to the .. |
Wed Sep 17 12:21:51 2008 |
| Sounds like it's time to do some shopping for a .. |
Wed Sep 17 12:19:45 2008 |
| If you have a good credit score, I would look at .. |
Wed Sep 17 12:17:41 2008 |
| Well that actually depends. Most lenders do .. |
Wed Sep 17 12:15:16 2008 |
| If you do qualify, it would most likely be with .. |
Wed Sep 17 12:12:48 2008 |
| No you are not obigated and can back out .. |
Wed Sep 17 12:11:12 2008 |
| newuser1,
Check your paperwork on the second .. |
Wed Sep 17 12:08:40 2008 |
| Yes to the first question of needing an appraisal .. |
Wed Sep 17 12:04:16 2008 |
| It doesn't seem realistic to go for a refinance .. |
Wed Sep 17 12:01:07 2008 |
| Yes, a cash out refinance will accomplish this. .. |
Tue Sep 16 11:57:37 2008 |
| The only option that I see at this time is to .. |
Tue Sep 16 11:54:00 2008 |
| I agree with the others that by the time you pay .. |
Tue Sep 16 11:51:21 2008 |
| You can refinance in just your name if you .. |
Tue Sep 16 11:46:47 2008 |
| It is very difficult ot find a lender that will .. |
Tue Sep 16 11:44:44 2008 |
| Bank of America is usually not the lowest rate .. |
Tue Sep 16 11:42:38 2008 |
| Hi Tymava,
There would be no risk in losing .. |
Tue Sep 16 11:30:02 2008 |
| It sounds like you might be eligible for FHA on .. |
Tue Sep 16 11:24:44 2008 |
| Unless the home has appreciated since the time of .. |
Tue Sep 16 11:21:52 2008 |
| This can be done by the title company at the same .. |
Tue Sep 16 11:19:34 2008 |
| Netta,
There is no time period although some .. |
Tue Sep 16 11:15:31 2008 |
| Mike,
Your not supposed to solicit on this .. |
Tue Sep 16 11:13:52 2008 |
| I would talk to your current lender to see if .. |
Tue Sep 16 11:13:27 2008 |
| Bosslady,
I agree with George. You shouldn't .. |
Tue Sep 16 11:11:05 2008 |
| Hi George,
Well aparently they are looking for .. |
Tue Sep 16 11:03:02 2008 |
| You have a couple different options depending on .. |
Tue Sep 16 10:59:27 2008 |
| I don't think there is much you can do to hold .. |
Tue Sep 16 10:54:38 2008 |
| Once you agree on a price, you will need to do .. |
Tue Sep 16 10:50:54 2008 |
| Hi kingno1,
The 1099 would be on the .. |
Tue Sep 16 10:45:27 2008 |
| Yes, a quit claim will be the way to do this. It .. |
Tue Sep 16 10:40:46 2008 |
| It sounds like the mortgage company made a .. |
Tue Sep 16 10:21:48 2008 |
| Hi Kellie,
He will have to refinance the .. |
Tue Sep 16 1:55:55 2008 |
| He could add you to title but cannot remove .. |
Tue Sep 16 1:50:35 2008 |
| lb416,
No there was no law passed. I think it .. |
Tue Sep 16 1:46:55 2008 |
| ckboyd,
I suggest you call WF and demand that .. |
Tue Sep 16 1:42:16 2008 |
| I agree, a quit claim will accomplish this. You .. |
Tue Sep 16 1:39:44 2008 |
| You may have a couple other options. You may be .. |
Tue Sep 16 1:38:08 2008 |
| Even if you declare bankruptcy you will still .. |
Tue Sep 16 1:34:02 2008 |
| the foreclosure is probably showing as dismissed .. |
Tue Sep 16 1:31:44 2008 |
| Usually terms are agreed on as far as who takes .. |
Tue Sep 16 1:29:16 2008 |
| I don't think a title company will transfer title .. |
Tue Sep 16 1:26:21 2008 |
| dennis,
If you owe less than what it is worth, .. |
Tue Sep 16 1:22:58 2008 |
| Your better off financing the purchase since you .. |
Tue Sep 16 1:20:30 2008 |
| I agree that a short sale is always better than .. |
Tue Sep 16 1:17:34 2008 |
| Yes he is obligated but if no payment is made, .. |
Tue Sep 16 1:14:54 2008 |
| I have helped a client do this once and I agree .. |
Tue Sep 16 1:10:38 2008 |
| or a title company can do this for you as well. .. |
Tue Sep 16 1:07:24 2008 |
| Guest,
The catch is the rate. Countrywide .. |
Tue Sep 16 1:03:27 2008 |
| axelnby,
I would take the advice of gmakerly. .. |
Tue Sep 16 12:59:51 2008 |
| See if your friend will refinance the property to .. |
Tue Sep 16 12:52:38 2008 |
| Unfortunately you will just have to wait until .. |
Tue Sep 16 12:49:32 2008 |
| Hi Juan,
I wouldn't suggest going more than .. |
Tue Sep 16 12:44:14 2008 |
| Loss mitigation is the department that will work .. |
Tue Sep 16 12:40:40 2008 |
| kingno1,
Yes, a short sale would be a better .. |
Tue Sep 16 12:38:23 2008 |
| Although some banks do allow the dates to be .. |
Tue Sep 16 12:26:29 2008 |
| Yes, definately consult an .. |
Tue Sep 16 12:23:13 2008 |
| Check your county recorders office website. If .. |
Tue Sep 16 12:21:22 2008 |
| She does currently own half of the property so .. |
Tue Sep 16 12:18:58 2008 |
| You could combine the first and second into one .. |
Tue Sep 16 12:14:31 2008 |
| To clarify, there is the good faith estimate that .. |
Tue Sep 16 12:03:05 2008 |
| Worried,
I agree with vegas_storms. THe new .. |
Tue Sep 16 12:00:37 2008 |
| Hi Burkehenry,
To keep it simple, it may be .. |
Mon Sep 15 11:55:57 2008 |
| Hi Latoya,
There may be a couple options here. .. |
Mon Sep 15 11:51:52 2008 |
| Hi Kathy,
If your name was added to title .. |
Mon Sep 15 11:47:11 2008 |
| Chad,
Do NOT let them forclose the property. .. |
Mon Sep 15 11:43:07 2008 |
| Hi James,
Glad to see you remember me. I just .. |
Mon Sep 15 11:38:27 2008 |
| It really depends on the damage to your credit .. |
Mon Sep 15 11:34:23 2008 |
| kpatrick is .. |
Mon Sep 15 11:32:35 2008 |
| What you are looking for is a forebearance .. |
Mon Sep 15 11:31:13 2008 |
| You would have to refinance but you have timing .. |
Mon Sep 15 11:27:44 2008 |
| I would try and get a secured credit card or .. |
Mon Sep 15 11:25:13 2008 |
| I would have an attorney look over the paperwork .. |
Mon Sep 15 11:23:34 2008 |
| Yes you can apply for the mortgage in just your .. |
Mon Sep 15 11:21:10 2008 |
| Even if they are not on the mortgage, a public .. |
Mon Sep 15 11:15:07 2008 |
| I have heard of them as they are in my database .. |
Mon Sep 15 11:12:42 2008 |
| There is a new FHA program that allows the .. |
Mon Sep 15 11:06:36 2008 |
| Generally, no. However there are lenders that .. |
Mon Sep 15 10:55:38 2008 |
| A 30 year fixed rate with 0 points today is at .. |
Mon Sep 15 10:49:07 2008 |
| If it were me, I would ocntact a local title .. |
Mon Sep 15 10:44:27 2008 |
| It really depends on how much the property is .. |
Mon Sep 15 10:41:38 2008 |
| Yes, they are a mortgage broker. Every loan .. |
Mon Sep 15 10:39:32 2008 |
| I would suggest requesting someone else to work .. |
Mon Sep 15 10:37:29 2008 |
| The second mortgage holder can persue foreclosure .. |
Mon Sep 15 10:31:40 2008 |
| Hi jacran1,
I keep up with the rates of over .. |
Mon Sep 15 10:25:47 2008 |
| Yes, there are a few lenders that will allow .. |
Mon Sep 15 10:22:30 2008 |
| Yes, the 30 year fixed rate mortgage has dropped .. |
Mon Sep 15 10:20:08 2008 |
| Sorry, but in today's market, even those that .. |
Mon Sep 15 10:16:41 2008 |
| This is something you can do yourself and do not .. |
Fri May 23 9:27:44 2008 |
| Yes you should be able to refinance. There are .. |
Fri May 23 9:24:34 2008 |
| I would suggest that you demand to talk to .. |
Fri May 23 9:23:20 2008 |
| Kish,
You will have to pay income taxes on the .. |
Fri May 23 9:20:30 2008 |
| most adjustable rates are stuctured to go up even .. |
Fri May 23 9:15:20 2008 |
| Great advice given. I was just going to say the .. |
Fri May 23 9:13:20 2008 |
| Call your current mortgage lender and ask that .. |
Fri May 23 9:12:18 2008 |
| No, a short sale is the lender accepting a lower .. |
Fri May 23 9:10:16 2008 |
| First time home buyer loans just allow you to get .. |
Fri May 23 9:08:57 2008 |
| no. I would suggest typing in time share rental .. |
Fri May 23 9:05:56 2008 |
| I agree that more people should do that but I .. |
Fri May 23 9:02:44 2008 |
| nope just have the quit claim deed signed and .. |
Fri May 23 9:00:09 2008 |
| Hello Guest,
You can absolutely qualify for .. |
Fri May 23 8:58:57 2008 |
| I would rather not pay interest on a mortgage .. |
Fri May 23 8:52:40 2008 |
| Your best bet is to call your current lender to .. |
Fri May 23 8:49:39 2008 |
| adrianne,
No the lender does not refund the .. |
Fri May 23 8:45:58 2008 |
| I agree with Chris that you should check into FHA .. |
Fri May 23 8:43:10 2008 |
| Just go with a broker that can offer a free .. |
Fri May 23 8:38:59 2008 |
| Don't worry. If it's meant to be, it will close. .. |
Fri May 23 8:36:52 2008 |
| If you can sell your house for more than you owe .. |
Fri May 23 8:30:37 2008 |
| I would save until you have at least 3% to put .. |
Fri May 23 8:28:25 2008 |
| The city will not give back taxes that were paid. .. |
Fri May 23 8:25:24 2008 |
| Many lenders offer first time home buyer .. |
Fri May 23 8:22:42 2008 |
| Yes, there are mortgage companies that offer no .. |
Fri May 23 8:19:53 2008 |
| As long as your confortable with the higher .. |
Thu Apr 10 9:23:50 2008 |
| adamr6cox,
You shouldn't be giving any advice .. |
Thu Apr 10 9:16:32 2008 |
| Hi aarondotson,
All conforming loans will .. |
Thu Apr 10 9:05:10 2008 |
| Many lenders have discontinued their stated .. |
Thu Apr 10 8:58:14 2008 |
| The main borrower that has better credit will .. |
Thu Apr 10 8:54:49 2008 |
| Debt management is not as bad as bankruptcy but .. |
Thu Apr 10 8:49:19 2008 |
| A 40 year mortgage is available. It just depends .. |
Mon Mar 10 9:27:18 2008 |
| wanderlinghs.
There may be some good news .. |
Mon Mar 10 9:25:26 2008 |
| No they are not required to send monthly .. |
Mon Mar 10 9:22:21 2008 |
| I would have your father ask them why they are .. |
Mon Mar 10 9:18:58 2008 |
| I dont think the lender will lower the payments. .. |
Mon Mar 10 9:16:35 2008 |
| You should have a two year work history. It is ok .. |
Mon Mar 10 9:12:51 2008 |
| Those terms are horrible with a 768 score. You .. |
Mon Mar 10 9:09:04 2008 |
| Hi Jackie,
I would get a copy of all three .. |
Mon Mar 10 9:07:09 2008 |
| Hi berettafan002,
I am sure that there are .. |
Mon Mar 10 9:03:18 2008 |
| What about a short .. |
Mon Mar 10 9:00:32 2008 |
| There are many lenders that offer this. It just .. |
Mon Mar 10 8:59:25 2008 |
| Hi Sirod,
I dont understand your post either. .. |
Mon Mar 10 8:57:25 2008 |
| Rates have been on the rise. I would look at .. |
Mon Mar 10 8:53:04 2008 |
| Rates have gone up over the last month or so. I .. |
Mon Mar 10 8:49:18 2008 |
| Hi Patricia,
I wouldnt wait for hard times. .. |
Mon Mar 10 8:46:36 2008 |
| Sirod,
The answer to your question is yes. Are .. |
Mon Mar 10 8:41:39 2008 |
| It all comes down to what the judge decides .. |
Mon Mar 10 8:39:42 2008 |
| It just depends on the lender. It can range from .. |
Mon Mar 10 8:36:02 2008 |
| Sorry you have to go commercial if they are on .. |
Mon Mar 10 8:34:46 2008 |
| Loan limits just increased temporarily. For those .. |
Mon Mar 10 8:33:53 2008 |
| A short sale should not affect your credit. The .. |
Mon Mar 10 8:31:41 2008 |
| I would lock in now especially if you can lock .. |
Mon Mar 10 8:29:02 2008 |
| Just add them to title and refinance each. It .. |
Mon Feb 25 10:33:35 2008 |
| I agree with livinginnky,
This type of loan .. |
Mon Feb 25 10:29:44 2008 |
| Hi Scott,
Was it something that changed on .. |
Mon Feb 25 10:24:10 2008 |
| Looks like ksteltenpohl was sold on the option .. |
Sun Feb 24 12:30:51 2008 |
| FHA is lower if they only have 3% down. But with .. |
Sun Feb 24 12:24:33 2008 |
| There are a few options here. You may want to .. |
Sun Feb 24 12:22:27 2008 |
| gmakerley is right. Most lenders do not have an .. |
Sun Feb 24 12:20:06 2008 |
| I dont know how much this will .. |
Sun Feb 24 12:17:03 2008 |
| some banks will charge off the debt but I believe .. |
Sun Feb 24 12:15:38 2008 |
| There are many companies out there that have you .. |
Sun Feb 24 12:14:03 2008 |
| It would depend on your down payment. With the .. |
Sun Feb 24 12:07:19 2008 |
| I dont think they can. I believe that is the main .. |
Sun Feb 24 12:05:00 2008 |
| Many lenders will advertise something similar to .. |
Sun Feb 24 12:01:09 2008 |
| Pay down on some of the credit cards and your .. |
Sat Feb 23 11:58:21 2008 |
| The sister will need to sign as well. I would .. |
Thu Feb 21 12:48:19 2008 |
| I dont think it is within a time period. I know .. |
Thu Feb 21 12:44:17 2008 |
| If there is no equity in the properties then you .. |
Thu Feb 21 12:40:49 2008 |
| They are just charging you for what you can do .. |
Thu Feb 21 12:35:40 2008 |
| Their rates are higher than most others. You can .. |
Thu Feb 21 12:31:13 2008 |
| Did the lender you apply with tell you if you .. |
Thu Feb 21 12:29:24 2008 |
| Citimortgage bought ABN so call citimortgage and .. |
Thu Feb 21 12:26:57 2008 |
| Only if it was a refinance is he able to cancel .. |
Wed Feb 20 11:56:40 2008 |
| No issue with employment since most lenders will .. |
Wed Feb 20 11:47:03 2008 |
| Shop around, I am sure you can do better. .. |
Wed Feb 20 11:43:37 2008 |
| I would look at refinancing before deed in lieu. .. |
Wed Feb 20 11:41:29 2008 |
| Texas law wont allow you to borrow more than 80% .. |
Wed Feb 20 11:33:02 2008 |
| I would think that any rankings that you find are .. |
Wed Feb 20 11:27:38 2008 |
| Hi Dee,
If your parents have lived in the .. |
Wed Feb 20 11:20:50 2008 |
| There are a lot of sites that wil tell you that .. |
Wed Feb 20 11:17:30 2008 |
| Hi Jayson,
Reverse mortgages are backed by HUD .. |
Wed Feb 20 11:15:02 2008 |
| I agree not to use a search engine. It won't give .. |
Wed Feb 20 11:11:04 2008 |
| Hi Jim & Karen Julian
Sorry to hear about .. |
Wed Feb 20 11:07:35 2008 |
| Hi Jefferson,
Loan officers can increase the .. |
Wed Feb 20 11:01:36 2008 |
| Hello turbochargedpete,
Ditech rates are .. |
Wed Feb 20 10:55:17 2008 |
| Hello Inquisitive1
You should qualify for the .. |
Wed Feb 20 10:53:21 2008 |
| Chapter 13 does not have anything to do with your .. |
Wed Feb 20 10:48:12 2008 |
| I agree with .. |
Wed Feb 20 10:45:20 2008 |
| Sorry, but the 125% just isn't available anymore. .. |
Wed Feb 20 10:44:08 2008 |
| HI dgilbert,
You will have two options. The .. |
Wed Feb 20 10:41:06 2008 |
| Hi Guest,
Have you already applied for a .. |
Wed Feb 20 10:33:03 2008 |
| Hi mmolavi,
You should qualify for the best .. |
Wed Feb 20 10:28:24 2008 |
| Hello eenorman2000,
FHA usually has more .. |
Wed Feb 20 10:16:25 2008 |
| Hi Ron,
There are several factors that I would .. |
Wed Feb 20 10:14:05 2008 |
| Hi Lori,
How much do you owe on the first and .. |
Wed Feb 20 10:09:28 2008 |
| If they keep this up, the guy making 20K a year .. |
Thu Feb 14 10:23:15 2008 |
| Most lenders charge an upfront fee to lock over .. |
Thu Feb 14 10:16:34 2008 |
| You don't need a gift of equity. Just have your .. |
Thu Feb 14 10:14:00 2008 |
| I heard that Bush just passed the bill today that .. |
Thu Feb 14 10:10:20 2008 |
| Hi Lisa,
A mortgage company should be able .. |
Thu Feb 14 10:07:48 2008 |
| There are many lenders that do offer second .. |
Thu Feb 14 10:02:46 2008 |
| ksteltenpohl,
We have all warned that your .. |
Thu Feb 14 9:59:46 2008 |
| You would be paying on the new mortgage that paid .. |
Thu Feb 14 9:46:54 2008 |
| I would hang in there and try and get the things .. |
Thu Feb 14 9:39:39 2008 |
| Sounds like you might be getting into a non .. |
Thu Feb 14 9:31:12 2008 |
| Rates are still in the 5's for a 30 year .. |
Thu Feb 14 9:28:05 2008 |
| Hi crescenze,
kpatrick is right. If the other .. |
Thu Feb 14 9:24:15 2008 |
| You can also use a title company to prepare and .. |
Thu Feb 14 9:19:21 2008 |
| Hi Eric28,
The shortage on the rent will just .. |
Thu Feb 14 9:17:56 2008 |
| Jmann,
I agree with the others here that you .. |
Thu Feb 14 9:13:26 2008 |
| I have also noticed a spike in internet leads as .. |
Thu Feb 14 9:06:40 2008 |
| evolovik26,
Bonds have taken a dive and I am .. |
Thu Feb 14 9:04:03 2008 |
| There are pros and cons to this type of mortgage. .. |
Thu Feb 14 8:55:01 2008 |
| Hi Daniella,
Rates have not changed much on .. |
Thu Feb 7 9:11:21 2008 |
| And I just needed to add that the "tax .. |
Thu Feb 7 8:49:41 2008 |
| Hi ksteltenpohl,
The person you are working .. |
Thu Feb 7 8:47:32 2008 |
| Hi Apriil28,
Wachovia will allow 10% down on a .. |
Thu Feb 7 8:38:42 2008 |
| Hi cms,
A quit claim deed will remove him from .. |
Sat Feb 2 4:13:20 2008 |
| My advice is that there is no reason to go FHA .. |
Sat Feb 2 4:09:22 2008 |
| It is not considered cash out because the seller .. |
Sat Feb 2 4:03:59 2008 |
| Chris Burns is right. There are only two options .. |
Sat Feb 2 4:02:28 2008 |
| Hi Lois,
PMI insurance does only protect the .. |
Sat Feb 2 3:58:20 2008 |
| I survey outlines the boundries of the .. |
Sat Feb 2 3:48:15 2008 |
| Hi agachua,
There is no such thing as a .. |
Sat Feb 2 3:44:42 2008 |
| If he does quit claim the home to you then you .. |
Sat Feb 2 3:20:54 2008 |
| Hi Harry,
Larry is correct in that the IRS has .. |
Sat Feb 2 3:15:34 2008 |
| Hi Iooo,
I would also suggest waiting until .. |
Sat Feb 2 3:13:02 2008 |
| livinginnky,
I agree with you on this one. If .. |
Sat Feb 2 3:03:43 2008 |
| Hi JVILLARREALJR,
The mortgage company is only .. |
Sat Feb 2 2:57:25 2008 |
| jbarto65,
The mortgage lender that goes out of .. |
Sat Feb 2 2:53:23 2008 |
| Even if he is on title and has a death .. |
Sat Feb 2 2:51:16 2008 |
| Hi Guest,
Although lenders do not usually .. |
Sat Feb 2 2:44:51 2008 |
| Seasoning is just how long someone has owned the .. |
Sat Feb 2 2:40:17 2008 |
| Hi tobereal2001,
Removing yourself from title .. |
Sat Feb 2 2:34:11 2008 |
| Hi tobereal2001,
I would wait since you have a .. |
Sat Feb 2 2:31:41 2008 |
| Larry is correct. It just means that the seller .. |
Sat Feb 2 2:26:58 2008 |
| Try and find your original paperwork to find out .. |
Sat Feb 2 2:25:32 2008 |
| I would suggest that the mother add the son to .. |
Sat Feb 2 2:22:41 2008 |
| Hi Doug,
If the home is purchased at or below .. |
Sat Feb 2 2:19:45 2008 |
| Hi Jon,
Call the irs and see if they can .. |
Sat Feb 2 2:16:23 2008 |
| Contact your bankruptcy attorney right away. The .. |
Sat Feb 2 2:09:55 2008 |
| Refinancing the first mortgage only should be an .. |
Sat Feb 2 2:05:44 2008 |
| I think that replying to the summons will help .. |
Sat Feb 2 2:03:01 2008 |
| I suggest trying to refinance instead of going .. |
Sat Feb 2 2:00:27 2008 |
| Hi flynnelhoffer,
My advice is to work with a .. |
Sat Feb 2 1:57:34 2008 |
| Hi Dave,
Rates have been up and down .. |
Sat Feb 2 1:52:47 2008 |
| Hi Patrica,
If you apply with a mortgage .. |
Sat Feb 2 1:47:06 2008 |
| I suggest that if you do buy a mobile home that .. |
Sat Feb 2 1:40:56 2008 |
| I agree that it is worth waiting to see what will .. |
Sat Feb 2 1:38:09 2008 |
| There is not time period before you can sell your .. |
Sat Feb 2 1:32:44 2008 |
| I suggest calling your mortgage lender and ask .. |
Sat Feb 2 1:29:14 2008 |
| Hi Charles K,
A GOOD mortgage broker could get .. |
Sat Feb 2 1:23:04 2008 |
| I don't think restitution will carry over to the .. |
Sat Feb 2 1:15:45 2008 |
| If the wife has good credit then he can just add .. |
Sat Feb 2 1:10:08 2008 |
| While your not technically purchasing half the .. |
Sat Feb 2 1:06:45 2008 |
| It will really come down to what a judge thinks .. |
Sat Feb 2 12:58:16 2008 |
| Hi MichaelinOK,
The mortgage lender will only .. |
Sat Feb 2 12:55:58 2008 |
| The attorney may not have included your mortgage .. |
Sat Feb 2 12:50:17 2008 |
| If you pay them it wont improve your credit and .. |
Sun Jan 27 1:53:09 2008 |
| Blue is correct that if you have any credit cards .. |
Sun Jan 27 1:48:12 2008 |
| I agree with Banker0679 that people just don't .. |
Sun Jan 27 1:33:39 2008 |
| Hi Rcox,
It is impossible to determine how .. |
Sun Jan 27 1:26:01 2008 |
| I wouln't worry about that. It will not affect .. |
Sun Jan 27 1:22:04 2008 |
| Hi sevenleighton,
If you have a mortgage on .. |
Sun Jan 27 1:20:44 2008 |
| The bankruptcy courts will see this and could .. |
Sun Jan 27 1:16:40 2008 |
| If you have any equity at all, you might want to .. |
Sun Jan 27 1:12:43 2008 |
| Maybe you can get them to throw in a new car too, .. |
Sun Jan 27 1:02:27 2008 |
| Hi Tanay2,
You should have some options with .. |
Sun Jan 27 12:58:29 2008 |
| Hi Cheappower82,
The 30 year fixed rate .. |
Sun Jan 27 12:41:58 2008 |
| Hi Sean,
With good credit you should be able .. |
Sun Jan 27 12:37:34 2008 |
| It might be worth disputing it with the credit .. |
Sun Jan 27 12:24:49 2008 |
| Hi alee2412,
The credit union will only remove .. |
Sun Jan 27 12:14:02 2008 |
| Hi Del,
The more you borrow against the home, .. |
Sun Jan 27 12:06:21 2008 |
| Hi DLC11,
Most lenders require 2 years of self .. |
Sat Jan 26 11:55:25 2008 |
| I do know of a few conforming lenders that still .. |
Sat Jan 26 11:44:00 2008 |
| Hi HarryT,
You CAN get the same rate with a .. |
Sat Jan 26 11:35:37 2008 |
| Interest rates are looking good right .. |
Sat Jan 26 11:29:43 2008 |
| Lenders kept competing with what they thought was .. |
Sat Jan 26 11:26:20 2008 |
| A deficiency judgement can arise if it is sold .. |
Sat Jan 26 11:12:27 2008 |
| Eric is right that if you are a loan officer that .. |
Sat Jan 26 11:09:40 2008 |
| If you own the land that the home is situated on .. |
Sat Jan 26 11:07:14 2008 |
| Hi Diane,
The lender probably just didn't tell .. |
Sat Jan 26 10:59:06 2008 |
| Hi Gerger,
If you have good credit then you .. |
Sat Jan 26 10:56:01 2008 |
| Yes, they can sell the home for any amount to .. |
Sat Jan 26 10:46:00 2008 |
| Hi Abbey,
Have you found attractive terms for .. |
Sat Jan 26 10:43:05 2008 |
| Your father cannot transfer ownership to you but .. |
Sat Jan 26 10:38:02 2008 |
| Lenders like to hear that it was a temporary set .. |
Sat Jan 26 10:32:33 2008 |
| Where is your home located in CA I heard the .. |
Sat Jan 26 10:25:01 2008 |
| I would avoid foreclosure if at all possible. .. |
Sat Jan 26 10:23:53 2008 |
| Sorry to hear of the circumstances but I hope I .. |
Sat Jan 26 10:16:02 2008 |
| Anyone can dispute items on their credit report .. |
Fri Jan 25 12:12:05 2008 |
| The late payments will remain on your credit .. |
Fri Jan 25 12:06:26 2008 |
| I agree with you Patricia. I don't think you have .. |
Fri Jan 25 12:01:21 2008 |
| Hi Guest,
The person you are quit claiming the .. |
Thu Jan 24 11:58:10 2008 |
| Today's rates:
Rates went up by .125% .. |
Thu Jan 24 11:51:59 2008 |
| You don't have to be in foreclosure for you to .. |
Thu Jan 24 11:44:15 2008 |
| I suggest that you compare lenders also. Rates .. |
Thu Jan 24 11:40:33 2008 |
| Hi sdmerritt78,
That doesn't make any sense .. |
Thu Jan 24 11:36:25 2008 |
| Rates went down substantially on Tuesday but .. |
Thu Jan 24 11:32:32 2008 |
| Did you try fannie mae for an expanded level .. |
Thu Jan 24 11:28:52 2008 |
| I agree that quit claiming the property to you .. |
Thu Jan 24 11:26:03 2008 |
| Most mortgage companies will not give an .. |
Thu Jan 24 11:21:58 2008 |
| Don't quit claim the house to anyone that hasn't .. |
Thu Jan 24 1:54:44 2008 |
| You have to own the land and it has to be deeded .. |
Thu Jan 24 1:51:50 2008 |
| George,
I agree with you that people can do .. |
Thu Jan 24 1:50:32 2008 |
| Hondros college offers them but I'm not sure what .. |
Thu Jan 24 1:45:39 2008 |
| I wanted to address the comment about not wanting .. |
Thu Jan 24 1:44:24 2008 |
| Hi Patricia,
You are right. If you have a rate .. |
Thu Jan 24 1:33:12 2008 |
| If a quit claim is filed then the liens on title .. |
Thu Jan 24 1:20:36 2008 |
| I would suggest that you add yourself to the .. |
Thu Jan 24 1:09:39 2008 |
| Hi Mike,
Unless the fence has been there for .. |
Thu Jan 24 1:05:36 2008 |
| The rate cut was for the overnight lending rate .. |
Thu Jan 24 12:58:11 2008 |
| Late payments are definately worse than debt to .. |
Thu Jan 24 12:52:35 2008 |
| He may have enough income to qualify for the .. |
Thu Jan 24 12:48:43 2008 |
| Hi Abbey,
Some prepayment penalties are as .. |
Thu Jan 24 12:45:09 2008 |
| Also wanted to note that you could do a short .. |
Thu Jan 24 12:38:33 2008 |
| Keep paying until you sell your home. Do not ruin .. |
Thu Jan 24 12:37:23 2008 |
| Most lenders do not do assumable loans anymore so .. |
Thu Jan 24 12:33:35 2008 |
| Need to clarify above post: 50 to 100 for each .. |
Thu Jan 24 12:22:46 2008 |
| Most title companies only charge 50 to 100 to .. |
Thu Jan 24 12:22:18 2008 |
| Also something to keep in mind is that once a .. |
Thu Jan 24 12:20:18 2008 |
| You can put money in my account. I won't ask any .. |
Thu Jan 24 12:18:10 2008 |
| You have two options. Add yourself to title and .. |
Thu Jan 24 12:15:49 2008 |
| You definately need to file a complaint with the .. |
Thu Jan 24 12:13:18 2008 |
| Thanks, most people forget to ask those things .. |
Thu Jan 24 12:09:21 2008 |
| Banker0679.
This was your post prior to, that .. |
Thu Jan 24 12:06:08 2008 |
| marcymh,
Were you able to find a better deal .. |
Wed Jan 23 11:59:47 2008 |
| If you have put money aside for closing costs .. |
Wed Jan 23 11:55:26 2008 |
| I wouldnt be too bummed. Rates were down quite a .. |
Wed Jan 23 11:53:04 2008 |
| Thought I would post today's commentary on .. |
Wed Jan 23 11:47:40 2008 |
| evolovik26,
The reason I posted no points is .. |
Wed Jan 23 11:40:53 2008 |
| Hi rlsrlj,
680 score is fine to get a good .. |
Wed Jan 23 11:29:34 2008 |
| Hi jasonlijun,
You are on the right track .. |
Wed Jan 23 11:22:44 2008 |
| It's always better to process in house. Why .. |
Wed Jan 23 11:12:25 2008 |
| Hi mmmitchell,
I would at least continue with .. |
Wed Jan 23 11:10:17 2008 |
| I didn't say that that a fixed rate in the low .. |
Tue Jan 22 10:35:21 2008 |
| banker0679,
Thats a cop out and you know .. |
Tue Jan 22 10:24:25 2008 |
| Banker, where are you finding the 5.50% jumbo Why .. |
Tue Jan 22 12:20:27 2008 |
| I didn't want my post to come accross as an .. |
Tue Jan 22 11:57:38 2008 |
| Banker0679,
I just isn't out there. Where can .. |
Tue Jan 22 10:03:04 2008 |
| Today's mortgage rates dropped by .25% to 5.25% .. |
Tue Jan 22 10:00:00 2008 |
| Yes, max 80% of the home .. |
Tue Jan 22 1:06:12 2008 |
| If you plan on being in the home long term then .. |
Tue Jan 22 1:01:44 2008 |
| I really need to add a picture. The above cartoon .. |
Tue Jan 22 12:55:06 2008 |
| There is no way that 5.50% is possible for a .. |
Tue Jan 22 12:53:43 2008 |
| I suggest that he contact the lender as well. .. |
Tue Jan 22 12:47:23 2008 |
| The money merge account is different than the .. |
Tue Jan 22 12:43:49 2008 |
| I do agree that the closing costs do seem low but .. |
Tue Jan 22 12:31:16 2008 |
| I agree with .. |
Tue Jan 22 12:26:44 2008 |
| I think you may have two options here. The first .. |
Tue Jan 22 12:20:06 2008 |
| Hi Gary T,
I would suggest purchasing the home .. |
Tue Jan 22 12:09:28 2008 |
| Hi Mary,
Were you looking to refinance and add .. |
Tue Jan 22 12:06:09 2008 |
| Yes you can include your property taxes and .. |
Tue Jan 22 12:04:53 2008 |
| Larry is probably right about the taxes. It is .. |
Mon Jan 21 11:57:20 2008 |
| Shane is right about them outsourcing to India. .. |
Mon Jan 21 11:54:52 2008 |
| I think it's a good thing that companies are .. |
Mon Jan 21 11:52:55 2008 |
| Thanks .. |
Mon Jan 21 11:46:36 2008 |
| There really is no set amount of time to wait to .. |
Mon Jan 21 11:42:38 2008 |
| Did you try fannie .. |
Mon Jan 21 11:39:39 2008 |
| You have to report that amount as income on your .. |
Mon Jan 21 11:37:54 2008 |
| Hi Abbey,
Your welcome, I'm sure you will get .. |
Mon Jan 21 11:33:42 2008 |
| It is legal for them to foreclose on the property .. |
Mon Jan 21 11:29:10 2008 |
| If the income problems are temporary then ask the .. |
Mon Jan 21 11:24:29 2008 |
| I also wanted to note that most lenders will .. |
Mon Jan 21 11:21:40 2008 |
| Every lender differs on how much they will allow .. |
Mon Jan 21 11:20:18 2008 |
| It may be difficult for you to qualify for a .. |
Mon Jan 21 11:09:52 2008 |
| The only way to have the title only in your name .. |
Sun Jan 20 9:25:47 2008 |
| I agree that it has to go through probate to be .. |
Sun Jan 20 9:23:05 2008 |
| Hi Freda,
There is no recision period for a .. |
Sun Jan 20 9:17:45 2008 |
| You will want to have her refinance into her name .. |
Sun Jan 20 9:14:36 2008 |
| I just wanted to add that you may want to contest .. |
Sun Jan 20 9:11:44 2008 |
| Was your husband still on title when he added his .. |
Sun Jan 20 9:10:31 2008 |
| Most lenders will not allow you to transfer the .. |
Sun Jan 20 9:07:40 2008 |
| A title company can prepare the deed for you for .. |
Sun Jan 20 9:05:23 2008 |
| Yes you can add your sister to the deed. I would .. |
Sun Jan 20 9:02:24 2008 |
| Most mortgage loans do not have an assumption .. |
Sun Jan 20 8:55:18 2008 |
| Yes, you can quit claim a portion of the property .. |
Sun Jan 20 8:44:05 2008 |
| because foreclosure is a public record that is .. |
Sun Jan 20 8:42:37 2008 |
| No it wont cancel out his agreement to pay you as .. |
Sun Jan 20 8:35:25 2008 |
| A title company can draw up the paperwork and .. |
Sun Jan 20 8:30:13 2008 |
| Do not quit claim the property to the second .. |
Sun Jan 20 8:26:03 2008 |
| Do you have a mortgage on the property Is it in .. |
Sun Jan 20 8:21:10 2008 |
| Did the estate go through .. |
Sun Jan 20 8:14:37 2008 |
| Tim,
Just wanted to add that capital gains is .. |
Sun Jan 20 8:12:58 2008 |
| Hi Tim,
If you have not lived in the property .. |
Sun Jan 20 8:10:20 2008 |
| I would just add yourself to title if your wife .. |
Sun Jan 20 8:07:14 2008 |
| I would contact another title company. The title .. |
Sun Jan 20 8:04:25 2008 |
| I don't think you can do a quit claim deed since .. |
Sun Jan 20 8:00:22 2008 |
| If you are on the title of the home then yes you .. |
Sun Jan 20 7:51:44 2008 |
| Someone else at the title company can handle this .. |
Sun Jan 20 7:50:44 2008 |
| Yes he can quit claim the property to .. |
Sun Jan 20 7:40:25 2008 |
| That may be the case and if so another quit claim .. |
Sun Jan 20 7:28:31 2008 |
| Hi Jer,
If you don't want her to have any .. |
Sun Jan 20 7:26:24 2008 |
| Just wanted to add that if you decide not to .. |
Sun Jan 20 7:17:57 2008 |
| Even if you quit claim to your daughter, the .. |
Sun Jan 20 7:15:24 2008 |
| Being on title will not affect your husbands .. |
Sun Jan 20 7:09:18 2008 |
| Hi Guest,
You can take out a mortgage on the .. |
Sun Jan 20 7:05:14 2008 |
| Hi kristib00,
Here is what I think you should .. |
Sun Jan 20 6:58:28 2008 |
| It may be worth transfering the property into his .. |
Sun Jan 20 6:53:09 2008 |
| I don't know if there are any tax implications .. |
Sun Jan 20 6:49:41 2008 |
| Check the mortgage paperwork for an assumption .. |
Sun Jan 20 6:47:20 2008 |
| Patti Pyoi,
He is probably wanting you to .. |
Sun Jan 20 6:45:22 2008 |
| It has to go through probate court to determine .. |
Sun Jan 20 6:39:39 2008 |
| Hi Tina,
You may need to refinance the .. |
Sun Jan 20 6:37:44 2008 |
| I want to clarify the issue of whether it is .. |
Sun Jan 20 6:32:42 2008 |
| Hi Mortgagemavin,
You are correct in the way .. |
Sun Jan 20 6:29:22 2008 |
| If she transfered the property to another .. |
Sun Jan 20 6:24:31 2008 |
| The reason the credit union wants to transfer the .. |
Sun Jan 20 6:03:53 2008 |
| No it's not true. If you have a mortgage on the .. |
Sun Jan 20 5:57:47 2008 |
| She is only solely responsible for the capital .. |
Sun Jan 20 5:52:40 2008 |
| If your mother can now qualify for a good .. |
Sun Jan 20 5:48:25 2008 |
| You don't have to pay the 180K but you do have to .. |
Sun Jan 20 5:28:48 2008 |
| Actually now that I think about it, the IRS wants .. |
Sun Jan 20 5:26:04 2008 |
| I believe that you would have to declare these on .. |
Sun Jan 20 5:25:05 2008 |
| Just wanted to add that it's called Dower rights. .. |
Sun Jan 20 5:22:02 2008 |
| She may still have rights to the property. Many .. |
Sun Jan 20 5:21:00 2008 |
| A foreclosure on one home will not effect the .. |
Sun Jan 20 5:17:43 2008 |
| If you want to play it safe, I would suggest .. |
Sun Jan 20 5:15:37 2008 |
| I would suggest contacting a local title company. .. |
Sun Jan 20 5:12:55 2008 |
| You are still currently responsible for the .. |
Sun Jan 20 5:11:16 2008 |
| Go to another .. |
Sun Jan 20 5:09:33 2008 |
| I agree that you should call your timeshare .. |
Sun Jan 20 5:08:37 2008 |
| I would suggest using a title company or attorney .. |
Sun Jan 20 5:07:12 2008 |
| When you are added to title I would also suggest .. |
Sun Jan 20 5:05:55 2008 |
| He won't be giving up all rights to the house. If .. |
Sun Jan 20 5:04:18 2008 |
| I wouldn't worry about the inheritance tax unless .. |
Sun Jan 20 5:02:35 2008 |
| If there is no mortgage on the home then yes, you .. |
Sun Jan 20 5:01:15 2008 |
| No one is able to modify the title without the .. |
Sun Jan 20 5:00:04 2008 |
| You should be able to add your name to title now. .. |
Sun Jan 20 4:58:50 2008 |
| I would add that you should should consult an .. |
Sun Jan 20 4:56:20 2008 |
| The easiest way is a quit claim deed. You can .. |
Sun Jan 20 4:55:25 2008 |
| I also wanted to note that you should be the only .. |
Sun Jan 20 4:53:36 2008 |
| I think he should simply add you to title. You .. |
Sun Jan 20 4:52:53 2008 |
| No you don't have to sign a quit claim deed to .. |
Sun Jan 20 4:51:10 2008 |
| I believe that it transfers after it is recorded .. |
Sun Jan 20 4:49:12 2008 |
| I also wanted to make mention that if your mother .. |
Sun Jan 20 4:46:54 2008 |
| I would wait for the probate courts to determine .. |
Sun Jan 20 4:44:48 2008 |
| Hi dpompey,
did the estate go through probate .. |
Sun Jan 20 4:42:07 2008 |
| Call a local title company. They can prepare and .. |
Sun Jan 20 4:39:29 2008 |
| The best way to do this is for you to refinance .. |
Sun Jan 20 4:38:06 2008 |
| Most lenders won't allow you to deed the property .. |
Sun Jan 20 4:34:59 2008 |
| Add the children to a surviorship deed. Upon .. |
Sun Jan 20 4:32:43 2008 |
| I suggest that you and your brother are simply .. |
Sun Jan 20 4:28:02 2008 |
| I would not sign the quit claim deed until you .. |
Sun Jan 20 4:25:52 2008 |
| I don't believe this is legal for them to do this .. |
Sun Jan 20 4:22:34 2008 |
| If they quit claim the property to you before .. |
Sun Jan 20 4:20:27 2008 |
| She should be able to sell the home but he would .. |
Sun Jan 20 4:19:13 2008 |
| I would stay away from it. It sounds like a scam .. |
Sun Jan 20 4:16:35 2008 |
| I also want to add that you mentioned a low rate .. |
Sun Jan 20 4:14:57 2008 |
| You will have to refinance the debt into your .. |
Sun Jan 20 4:13:19 2008 |
| I would have the address corrected and add .. |
Sun Jan 20 4:11:58 2008 |
| Hi Bre,
You can still retain ownership by .. |
Sun Jan 20 4:00:47 2008 |
| I would contact an attorney for this .. |
Sun Jan 20 3:57:53 2008 |
| I would go through a title company. Most of them .. |
Sun Jan 20 3:56:35 2008 |
| Hi Shannon,
You would still be responsible for .. |
Sun Jan 20 3:54:27 2008 |
| The divorce courts will split up the property as .. |
Sun Jan 20 3:51:50 2008 |
| Have your parents add you to title and do a .. |
Sun Jan 20 3:48:22 2008 |
| I agree with jheard. Hope it works out for .. |
Sun Jan 20 3:44:08 2008 |
| I agree with .. |
Sun Jan 20 3:42:36 2008 |
| Is there a dispute with the parties on .. |
Sun Jan 20 3:41:12 2008 |
| It should state the terms of the property .. |
Sun Jan 20 3:38:56 2008 |
| Just wanted to add that you might be able to .. |
Sun Jan 20 3:36:27 2008 |
| If you have equity in the property and keep it .. |
Sun Jan 20 3:35:12 2008 |
| I also wanted to add that they cannot place a .. |
Sun Jan 20 3:32:12 2008 |
| Yes, she can file a quit claim to you. If you .. |
Sun Jan 20 3:31:10 2008 |
| If your brother that is not paying is not on the .. |
Sun Jan 20 3:29:25 2008 |
| You should not be responsible for another persons .. |
Sun Jan 20 3:26:30 2008 |
| If the house is not in your name then they cannot .. |
Sun Jan 20 3:24:27 2008 |
| You would need to have the owner sign. Try .. |
Sun Jan 20 3:22:57 2008 |
| I would also advise that your mother cancel the .. |
Sun Jan 20 3:20:41 2008 |
| I don't believe that is legal for her to use her .. |
Sun Jan 20 3:19:40 2008 |
| A warranty deed shoud be .. |
Sun Jan 20 3:15:55 2008 |
| If the home is free and clear then you should be .. |
Sun Jan 20 3:13:55 2008 |
| Whoever is on the deed retains .. |
Sun Jan 20 3:11:51 2008 |
| Yes it will have to be approved through the .. |
Sun Jan 20 3:10:26 2008 |
| There should be a timeline for her to have to .. |
Sun Jan 20 3:07:55 2008 |
| I would contact a BK attorney before quit .. |
Sun Jan 20 3:05:03 2008 |
| Good advice. Too many people have overextended .. |
Sun Jan 20 3:02:47 2008 |
| 9.50% sounds way too high with 20% down even with .. |
Sat Jan 19 11:05:50 2008 |
| Hello Hollypia,
The trouble may be that you .. |
Sat Jan 19 11:03:27 2008 |
| A foreclosure on one property will not effect the .. |
Sat Jan 19 10:55:19 2008 |
| I wouldn't think that bankruptcy would be a good .. |
Sat Jan 19 10:48:04 2008 |
| Hi Sunnytimesnj,
Yes, 5.50% is too good to be .. |
Sat Jan 19 10:39:27 2008 |
| I agree with livinginnky but want to add that you .. |
Sat Jan 19 10:22:15 2008 |
| Hi Paul,
I think the problem may be that you .. |
Sat Jan 19 10:17:59 2008 |
| Hi Stranger,
When a home is appraised below .. |
Sat Jan 19 10:10:20 2008 |
| Hi Andrea,
Check with the clerk of courts in .. |
Sat Jan 19 9:47:51 2008 |
| I don't think there is a list. You might want to .. |
Sat Jan 19 9:42:31 2008 |
| Hi Alphilkel,
I would suggest only going to .. |
Sat Jan 19 9:39:03 2008 |
| If they foreclose there can be a defiency amount .. |
Sat Jan 19 9:36:40 2008 |
| Hi Shane,
The reason I brought up FHA Secure .. |
Sat Jan 19 9:32:40 2008 |
| Have her keep making the payments on time until .. |
Sat Jan 19 9:25:51 2008 |
| Hi Roger,
Are you looking for a no income .. |
Sat Jan 19 9:23:08 2008 |
| If the lien is still on the property then you .. |
Sat Jan 19 9:21:16 2008 |
| The mortgage may still be in your name even if .. |
Sat Jan 19 9:15:24 2008 |
| gmakerley,
I did not change my tune, I just .. |
Sat Jan 19 9:00:26 2008 |
| Yes, but I think eLife Financial is charging you .. |
Sat Jan 19 8:55:54 2008 |
| Hi Jim,
I don't think it's worth taking max .. |
Sat Jan 19 8:47:21 2008 |
| Hi Lisa,
If you were on the title of the .. |
Sat Jan 19 8:38:05 2008 |
| It's a good mortgage advice site. I'm usually on .. |
Sat Jan 19 8:34:51 2008 |
| I wanted to add to my post
If you are not over .. |
Sat Jan 19 8:32:34 2008 |
| Most lenders will start the foreclosure process .. |
Sat Jan 19 8:30:33 2008 |
| It might be possible depending on how much of a .. |
Sat Jan 19 8:28:36 2008 |
| If you are looking for your 2007 interest .. |
Sat Jan 19 8:26:16 2008 |
| Hi anthonytodd24,
I would suggest looking into .. |
Sat Jan 19 8:23:19 2008 |
| Hi Tiffany,
I agree with Caron that you should .. |
Sat Jan 19 8:21:32 2008 |
| Florida34,
Don't give up. I posted a reply to .. |
Sat Jan 19 8:19:43 2008 |
| mtntrvlr108,
Weather you sue or not, I would .. |
Sat Jan 19 8:13:14 2008 |
| Hi Florida34,
I would definately feel the same .. |
Sat Jan 19 8:06:27 2008 |
| You might find this article interesting: .. |
Sat Jan 19 7:23:26 2008 |
| It is illegal for a home builder witb an .. |
Sat Jan 19 7:21:36 2008 |
| Here is the reason: You make your payment for the .. |
Sat Jan 19 7:10:28 2008 |
| I have never heard of a lender reducing your .. |
Sat Jan 19 7:08:08 2008 |
| You should refinance now. With a fixed rate .. |
Sat Jan 19 7:05:27 2008 |
| Hi mwilliam3,
I would not go for the tracker .. |
Sat Jan 19 7:02:35 2008 |
| Hi munchkin130,
I would try and work out a .. |
Sat Jan 19 6:59:12 2008 |
| Ruben,
Try buying down the rate to see if this .. |
Sat Jan 19 6:54:40 2008 |
| 203K loan is an FHA loan designed for renovating .. |
Sat Jan 19 6:51:01 2008 |
| "www.efannemae.com" is Fannie Mae's web .. |
Sat Jan 19 6:48:22 2008 |
| Hi Janey,
Your payment would be 6,607.54. Why .. |
Sat Jan 19 6:43:28 2008 |
| You need to contact your lender for them to .. |
Sat Jan 19 6:36:09 2008 |
| I would sell the home on a short sale. This is .. |
Sat Jan 19 6:33:55 2008 |
| The only way to reduce your payment is to .. |
Sat Jan 19 5:46:25 2008 |
| The largest expense for the lender when .. |
Sat Jan 19 5:37:28 2008 |
| You shouldn't have anything to worry about. They .. |
Sat Jan 19 5:33:31 2008 |
| Have you decided to refinance I wouldn't bank on .. |
Sat Jan 19 5:27:02 2008 |
| Hi Johnson,
Yes you should be able to get this .. |
Sat Jan 19 4:24:32 2008 |
| Hi Kyfishin,
The points being charged are too .. |
Sat Jan 19 4:22:18 2008 |
| I would play it safe and go with the 30 year .. |
Sat Jan 19 4:19:48 2008 |
| The reverse mortgage needs to be paid off if the .. |
Sat Jan 19 4:17:40 2008 |
| The previous post was from me. I was not logged .. |
Sat Jan 19 4:14:19 2008 |
| I agree with .. |
Mon Jan 14 8:28:55 2008 |
| Hi Tim,
You should qualify for a home equity .. |
Mon Jan 14 8:19:58 2008 |
| Every county will vary in the fees they charge .. |
Mon Jan 14 8:14:33 2008 |
| If you choose to file BK then I believe that you .. |
Mon Jan 14 8:12:26 2008 |
| Hi SinkingShip,
I wanted to respond to this .. |
Mon Jan 14 8:01:43 2008 |
| A lender may deny you for a loan modification if .. |
Mon Jan 14 7:48:10 2008 |
| Hi lashaun,
The payment is based on 2.9, NOT .. |
Mon Jan 14 7:35:03 2008 |
| Hi Roger,
There is no law against this with .. |
Mon Jan 14 7:27:45 2008 |
| Hello Guest,
No there is no fighting for the .. |
Mon Jan 14 7:22:23 2008 |
| Hi Wayne,
Your mother should put you and your .. |
Mon Jan 14 7:13:08 2008 |
| He just needs to agree to quit claim to the .. |
Mon Jan 14 7:02:20 2008 |
| I agree that you should appeal the appraisal .. |
Mon Jan 14 6:56:42 2008 |
| Hi Kristie,
Your debt to income ratio can go .. |
Mon Jan 14 1:34:31 2008 |
| You may want to get an attorney that specializes .. |
Mon Jan 14 1:24:32 2008 |
| As long as you are on title you can apply now but .. |
Mon Jan 14 1:19:25 2008 |
| I also agree that lease with option to buy is .. |
Mon Jan 14 1:15:42 2008 |
| It won't affect your credit if foreclosure has .. |
Mon Jan 14 1:11:40 2008 |
| Hello bforget,
It sounds like a bridge loan .. |
Mon Jan 14 1:01:43 2008 |
| It depends on how long your going to be in this .. |
Mon Jan 14 12:53:26 2008 |
| Why such a high rate Is this what you have .. |
Mon Jan 14 12:46:03 2008 |
| Hi amymonica.
Most lenders don't have an .. |
Mon Jan 14 12:42:34 2008 |
| Southermetal,
Is the home worth less than what .. |
Mon Jan 14 12:35:49 2008 |
| It is really hard to time the market. You never .. |
Mon Jan 14 12:32:23 2008 |
| Hi shbrody,
Would your father be willing to .. |
Mon Jan 14 12:23:44 2008 |
| Banker0679 is correct. The negative collections .. |
Mon Jan 14 12:13:26 2008 |
| gmakerley,
When a borrower becomes trapped in .. |
Mon Jan 14 12:05:06 2008 |
| I disagree also with these items posted:
- You .. |
Sun Jan 13 11:55:18 2008 |
| Hi Roger,
It is called a NIV loan which stands .. |
Sun Jan 13 11:35:19 2008 |
| Your chances of qualifying for a first mortgage .. |
Sun Jan 13 11:23:27 2008 |
| Medicaid will not be affected by having equity in .. |
Sun Jan 13 11:18:23 2008 |
| Hi Jeff,
If your still working with Wells .. |
Sun Jan 13 11:14:33 2008 |
| Hi southernmetal,
You can do a short sale at .. |
Sun Jan 13 11:07:36 2008 |
| Hi Michael Seawright,
You will not be .. |
Sun Jan 13 11:02:29 2008 |
| If you are in an adjustable rate mortgage that .. |
Sun Jan 13 10:57:24 2008 |
| Hi Susan,
Credit reporting agencies really hit .. |
Sun Jan 13 10:53:23 2008 |
| Hi Garry,
Are you sure those were closing .. |
Sun Jan 13 10:45:24 2008 |
| The broker ordered it so it is their .. |
Sun Jan 13 10:35:52 2008 |
| Hi Mike,
I am familiar with the type of .. |
Sun Jan 13 10:29:09 2008 |
| Hi Ed T,
The rate will be higher with a .. |
Sun Jan 13 10:11:35 2008 |
| Hi Lee,
With a gift of equity there can be .. |
Sun Jan 13 10:02:49 2008 |
| Hi JVT,
Closing costs are too high for a home .. |
Sun Jan 13 9:58:02 2008 |
| Hi Whats Next,
If the lender submitted the .. |
Sun Jan 13 9:54:11 2008 |
| Hi Blake,
Usually the lender orders the .. |
Sun Jan 13 9:48:25 2008 |
| Hi Addison,
Definately look into refinancing .. |
Sun Jan 13 9:44:15 2008 |
| Hi God'schild
There are many programs that .. |
Sun Jan 13 9:42:04 2008 |
| Hi Adrienne,
Any mortgage on a free and clear .. |
Sun Jan 13 9:39:57 2008 |
| Hi Adrian,
Capital gains is based on the .. |
Sun Jan 13 9:36:27 2008 |
| Owner financing is legal and will not hurt your .. |
Sun Jan 13 9:32:05 2008 |
| I would at least try for the short sale. It .. |
Sun Jan 13 9:30:44 2008 |
| I would have your attorney take a look at it just .. |
Sun Jan 13 9:26:33 2008 |
| The seller (builder in this case) is responsible .. |
Sun Jan 13 9:22:38 2008 |
| Hi Ernie,
You can borow up to 80% of the homes .. |
Sun Jan 13 9:20:33 2008 |
| There are some mortgages that will let you borrow .. |
Sun Jan 13 9:16:06 2008 |
| To get the lowest possible rate, you will want to .. |
Sat Jan 12 1:37:16 2008 |
| Wow. It's unbelievable what some people think .. |
Sat Jan 12 1:33:04 2008 |
| It might be easier just to refinance since the 30 .. |
Sat Jan 12 1:29:48 2008 |
| Larry, it sounds like they have a mortgage on the .. |
Sat Jan 12 1:24:56 2008 |
| Yes, 80% is the maximum lenders are allowed to .. |
Sat Jan 12 1:20:42 2008 |
| You could use the money you receive from your .. |
Sat Jan 12 1:19:09 2008 |
| You will want to go through a title company that .. |
Sat Jan 12 1:15:41 2008 |
| The fixed rate is the way to go right now. If you .. |
Sat Jan 12 1:11:40 2008 |
| Want to add to my message.
You should not .. |
Sat Jan 12 1:01:37 2008 |
| I would not take the COSI Loan. That is an option .. |
Sat Jan 12 12:54:42 2008 |
| I just noticed a post the clarified that it was a .. |
Mon Jan 7 10:07:37 2008 |
| The 80% rule applies only to a cash out .. |
Mon Jan 7 10:05:45 2008 |
| It sounds like a good deal if you plan on owning .. |
Mon Jan 7 10:02:15 2008 |
| The 15000 can be included in the new mortgage if .. |
Mon Jan 7 9:52:22 2008 |
| Lease to purchase or a land contract would be .. |
Mon Jan 7 9:48:26 2008 |
| It doesn't hurt to apply now for a mortgage loan .. |
Mon Jan 7 9:44:52 2008 |
| Yes you can do a refinance with a score of 594 as .. |
Mon Jan 7 9:37:52 2008 |
| What are the credit .. |
Mon Jan 7 9:34:53 2008 |
| You sound like a good canidate for FHA Secure .. |
Mon Jan 7 9:31:59 2008 |
| Most credit card companies will jack up the rate .. |
Mon Jan 7 9:26:26 2008 |
| A 30 year mortgage is the way to go right now .. |
Mon Jan 7 9:23:35 2008 |
| Unfortunately the only way to remove your name .. |
Mon Jan 7 2:36:42 2008 |
| I would work on keeping up with the mortgage .. |
Mon Jan 7 2:20:51 2008 |
| No penalty just have to make sure you are .. |
Mon Jan 7 2:17:08 2008 |
| You should qualify for an FHA mortgage. With good .. |
Mon Jan 7 2:12:22 2008 |
| Shane,
Have you looked at the Jumbo guidelines .. |
Mon Jan 7 2:06:09 2008 |
| Most lenders start the process when you are 60 .. |
Mon Jan 7 1:56:05 2008 |
| A refinance is required to remove someone from .. |
Mon Jan 7 1:54:27 2008 |
| If you do have an adjustable rate on either .. |
Mon Jan 7 1:45:55 2008 |
| If the home is foreclosed on and sold at auction .. |
Mon Jan 7 1:40:16 2008 |
| If you fell behind because of an increase of an .. |
Mon Jan 7 1:36:57 2008 |
| the above message was from me, I was logged out .. |
Mon Jan 7 1:31:18 2008 |
| It doesnt look like you will qualify for an .. |
Sun Jan 6 2:18:06 2008 |
| These are disclosures that are required by law to .. |
Sun Jan 6 2:13:56 2008 |
| You should qualify for a 30 year fixed rate .. |
Sun Jan 6 2:09:31 2008 |
| Call your county tax auditors office and they .. |
Sun Jan 6 2:05:27 2008 |
| If you were put on title which you may have been .. |
Sun Jan 6 2:03:25 2008 |
| If everyone followed the advice given above, .. |
Sun Jan 6 1:58:21 2008 |
| I would contact your attorney that handled the .. |
Sun Jan 6 1:56:15 2008 |
| You have the right to negotiate the price you .. |
Sun Jan 6 1:47:32 2008 |
| work on getting your credit score a little .. |
Sun Jan 6 1:41:11 2008 |
| one of the reasons homes are not selling is that .. |
Sun Jan 6 1:23:49 2008 |
|
.. |
Sun Jan 6 3:50:08 2008 |
| You will have to refinance for her to be taken .. |
Sun Jan 6 3:48:06 2008 |
| That shouldn't be any problem at all. Your client .. |
Sun Jan 6 3:46:53 2008 |
| You can look at a bridge loan that will offer no .. |
Sun Jan 6 3:44:51 2008 |
| Hi Jonathan,
Yes, the way you have this .. |
Sun Jan 6 3:31:43 2008 |
| A refinance is the only way to be removed from a .. |
Sun Jan 6 3:26:06 2008 |
| unfortunately its unlikely that you will get .. |
Sun Jan 6 3:24:14 2008 |
| It may actually work to your advantage that wells .. |
Sun Jan 6 3:14:19 2008 |
| I agree with the previous post that closing costs .. |
Sun Jan 6 3:11:23 2008 |
| Wanted to add one more thing. Fannie mae allows .. |
Sun Jan 6 2:58:46 2008 |
| It is a fannie mae guideline and for the best .. |
Sun Jan 6 2:51:16 2008 |
| doesnt look like you will qualify for a reverse .. |
Sun Jan 6 2:46:43 2008 |
| If you were on the title then yes it would be .. |
Sun Jan 6 2:31:40 2008 |
| Just want to give you these tips so that if you .. |
Sun Jan 6 2:27:45 2008 |
| No you dont need 20% down. You should be able to .. |
Sun Jan 6 2:24:41 2008 |
| Top 10 Mortgage Mistakes
1.) Taking the advice .. |
Sun Jan 6 2:20:26 2008 |
| Most lenders will go by when the last due date .. |
Sat Jan 5 5:53:07 2008 |
| It really just depends on how bad your credit is .. |
Sat Jan 5 10:49:31 2008 |
| Most lenders are looking for a 660 score. There .. |
Sat Jan 5 2:57:38 2008 |
| Rick, I have to say I disagree with asking about .. |
Sat Jan 5 2:53:13 2008 |
| with 5% down, you will get a rate in the 5's .. |
Sat Jan 5 2:47:06 2008 |
| one of you need to refinance to remove the other .. |
Sat Jan 5 2:45:04 2008 |
| You are giving the property to him. make sure you .. |
Sat Jan 5 2:42:18 2008 |
| the exemption on capital gains tax only applies .. |
Sat Jan 5 2:39:47 2008 |
| I think the market will contract a bit but most .. |
Sat Jan 5 2:36:21 2008 |
| Looking for a mortgage on all equity primary residence .. |
Sat Jan 5 2:32:53 2008 |
| Yes, equity is the difference between the home .. |
Sat Jan 5 2:29:07 2008 |
| You would have to foreclose on the property if .. |
Sat Jan 5 2:27:17 2008 |
| If you feel confident that you can make a better .. |
Sat Jan 5 2:25:12 2008 |
| The foreclosure on your credit report is not .. |
Sat Jan 5 2:21:58 2008 |
| He should pay you your part of the profit that .. |
Sat Jan 5 2:09:16 2008 |
| Medical expenses is always a good one to throw in .. |
Sat Jan 5 2:03:28 2008 |
| make sure that the interest rate is what you .. |
Sat Jan 5 2:01:52 2008 |
| It generally is pretty safe. However, there are a .. |
Sat Jan 5 1:54:23 2008 |
| There will not be a deficiency if you choose deed .. |
Sat Jan 5 1:51:00 2008 |
| If the homes that are delinquent go to auction .. |
Sat Jan 5 1:47:44 2008 |
| They would need to purchase the home unless by .. |
Sat Jan 5 1:41:47 2008 |
| I would lock. Rates have come down in the last .. |
Sat Jan 5 1:34:40 2008 |
| Are you thinking of selling the property Do you .. |
Sat Jan 5 1:31:42 2008 |
| I would call the lender and threaten action if .. |
Sat Jan 5 1:28:49 2008 |
| The only way to remove you from the mortgage is .. |
Sat Jan 5 1:26:10 2008 |
| to get the best interest rate you will want to .. |
Sat Jan 5 1:23:37 2008 |
| I work with many honest lenders. Over 13 years I .. |
Sat Jan 5 1:22:02 2008 |
| Give me a call to discuss the options that are .. |
Sat Jan 5 1:19:23 2008 |
| The owners are relieved from their financial .. |
Sat Jan 5 1:17:02 2008 |
| In house usually means you will go through the .. |
Sat Jan 5 1:11:04 2008 |
| You pay principle from day one. You will pay off .. |
Sat Jan 5 1:07:05 2008 |
| If the land was included in the appraisal, which .. |
Sat Jan 5 12:59:38 2008 |
| Check your initial paperwork. Most states do not .. |
Sat Jan 5 12:56:40 2008 |
| Most lenders do not charge a processing fee. I .. |
Sat Jan 5 12:52:29 2008 |
| great, i can write off the PMI that I dont have .. |
Sat Jan 5 12:48:23 2008 |
| They want a list of any items that would be .. |
Sat Jan 5 12:45:28 2008 |
| What is the home value This is an important .. |
Sat Jan 5 12:41:44 2008 |
| Fannie Mae backs the mortgage loan that if .. |
Sat Jan 5 12:39:11 2008 |
| You can get a the same thing regarding a mortgage .. |
Sat Jan 5 12:32:35 2008 |
| It is unfortunate that so may people have been .. |
Sat Jan 5 12:26:03 2008 |
| Bankruptcy is not as bad as a foreclosure on your .. |
Sat Jan 5 12:21:40 2008 |
| This means that the chapter 13 is no longer in .. |
Sat Jan 5 12:17:12 2008 |
| Unfortunately there are no lenders offering a 100 .. |
Sat Jan 5 12:15:01 2008 |
| You have two options. Purchase with the .. |
Sat Jan 5 12:12:02 2008 |
| It is not law that she has to be on title. If .. |
Sat Jan 5 12:07:48 2008 |
| Although a realtor can let you know what you home .. |
Sat Jan 5 12:03:20 2008 |
| He may want to wait until the market becomes more .. |
Fri Jan 4 11:57:11 2008 |
| I would recommend calling the mortgage lender and .. |
Fri Jan 4 11:52:19 2008 |
| If you need money to complete the home then you .. |
Fri Jan 4 11:48:43 2008 |
| Make sure that you have the terms of your .. |
Fri Jan 4 11:23:24 2008 |
| If the mortgage is in your name then the record .. |
Fri Jan 4 11:18:32 2008 |
| A lawyer is definately the person to ask. Even .. |
Fri Jan 4 11:06:42 2008 |
| If you choose to do the quit claim, make sure you .. |
Fri Jan 4 10:39:21 2008 |
| You are better of using a mortgage broker for .. |
Fri Jan 4 10:05:12 2008 |
| Quit claiming your property before receiving .. |
Fri Jan 4 9:57:54 2008 |
| If your payment history is still good you might .. |
Fri Jan 4 9:52:24 2008 |
Feb-20-11
