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Posts by Brian Barnes
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 Sat Apr 2 11:49:28 2011 Until she kicks you out - no seriously until you .. Forum
 Sat Apr 2 10:16:16 2011 Bankrate is a lead generation source they sell .. Forum
 Sat Apr 2 10:13:57 2011 Yes .. Forum
 Sat Apr 2 10:12:05 2011 Only if you refinance it - there is no way to do .. Forum
 Sat Apr 2 10:10:43 2011 It is perfectly legitimate but for a transaction .. Forum
 Sat Apr 2 10:07:36 2011 Immediately - are you on a mortgage because .. Forum
 Tue Mar 15 4:35:23 2011 Hard Money (private lender) will be your only .. Forum
 Tue Mar 15 4:26:41 2011 None - it has not changed only your original .. Forum
 Sat Mar 5 8:55:27 2011 Through the courts otherwise there is no legal .. Forum
 Sat Feb 26 6:04:24 2011 Not unless the bank that forecloses sues you and .. Forum
 Sat Feb 26 5:57:28 2011 First if the home is in your name you call the .. Forum
 Sat Feb 26 5:55:08 2011 You will have to ask them - it is not something .. Forum
 Sat Feb 26 2:06:58 2011 why do you need a portfolio lender Do you already .. Forum
 Sat Feb 26 2:04:30 2011 No I am afraid not - there are only a few .. Forum
 Sat Feb 26 12:55:01 2011 it is the standard now - the risk of you walking .. Forum
 Sat Feb 26 12:52:35 2011 No avoiding PMI without 20% down - as far as the .. Forum
 Sat Feb 26 12:50:56 2011 sounds like you would benefit from an FHA .. Forum
 Sat Feb 26 12:48:47 2011 You should contact a local atty and ask - the .. Forum
 Sat Feb 26 12:45:56 2011 Posted: 25 Feb 2011 09:29 am Post subject: .. Forum
 Sat Feb 26 12:42:54 2011 welcome .. Forum
 Sat Feb 26 12:42:22 2011 FHA will allow a loan 2 years post discharge so .. Forum
 Sat Feb 26 12:41:18 2011 You will likely need to go through probate .. Forum
 Sat Feb 26 12:39:16 2011 No helping here but I can try and explain The .. Forum
 Wed Feb 23 9:53:23 2011 They have a loan on the property which says that .. Forum
 Wed Feb 23 9:20:01 2011 If they are not free standing they go with the .. Forum
 Wed Feb 23 9:17:46 2011 What does your contract say about this You should .. Forum
 Wed Feb 23 6:19:15 2011 Welcome - good .. Forum
 Wed Feb 23 4:18:30 2011 You are welcome - I have been on both sides of .. Forum
 Wed Feb 23 4:05:13 2011 There are brokers everywhere - I would maybe ask .. Forum
 Wed Feb 23 3:50:12 2011 conventional is trickier but obviously there is a .. Forum
 Wed Feb 23 3:29:34 2011 also what is the loan .. Forum
 Wed Feb 23 3:27:04 2011 is this for conventional of fha 5.25% and having .. Forum
 Wed Feb 23 3:10:01 2011 yes - .. Forum
 Wed Feb 23 3:08:38 2011 Not sure you will get an answer - if you filled .. Forum
 Wed Feb 23 3:06:53 2011 Unless they have some sort of unusual arrangement .. Forum
 Wed Feb 23 2:38:58 2011 Not until 2 years have passed since the Bk and .. Forum
 Wed Feb 23 2:36:10 2011 Get the house back in A's name - you should never .. Forum
 Wed Feb 23 2:34:43 2011 Yes - you need to show two years as a landlord .. Forum
 Wed Feb 23 2:18:47 2011 according to Bank Rate the Libor 12 month index .. Forum
 Wed Feb 23 2:13:32 2011 Welcome to the forum - The choices is simply a .. Forum
 Wed Feb 23 1:59:21 2011 The foreclosure process is the same - the laws .. Forum
 Wed Feb 23 9:07:24 2011 Yes provided the property is free of any liens .. Forum
 Tue Feb 22 10:36:38 2011 To answer in a way that will help you need to .. Forum
 Tue Feb 22 10:35:03 2011 Your only hope at this point is to find either a .. Forum
 Tue Feb 22 10:32:00 2011 You will lose money regardless because your .. Forum
 Tue Feb 22 10:27:30 2011 640 score needed with most band soonest program .. Forum
 Tue Feb 22 10:26:22 2011 You need to have three positive tradelines with .. Forum
 Tue Feb 22 10:23:44 2011 are you looking for a loan to build the property .. Forum
 Tue Feb 22 10:18:21 2011 you will have to wait until Jan 2012 to be .. Forum
 Mon Feb 21 6:07:23 2011 It is unlikely - unless you were divorced and .. Forum
 Mon Feb 21 5:43:45 2011 doubtful - that is a very large .. Forum
 Mon Feb 21 5:42:40 2011 costs will be about the same FHA allows lower .. Forum
 Mon Feb 21 5:38:22 2011 it must be done through a probate court if it .. Forum
 Mon Feb 21 5:36:11 2011 probaby - they were promised they would get paid .. Forum
 Mon Feb 21 5:32:05 2011 unless it is in writing probably not much anyone .. Forum
 Mon Feb 21 5:29:44 2011 FHA guidelines state that an account in dispute .. Forum
 Mon Feb 21 5:26:06 2011 Go in to a local branch and make .. Forum
 Sun Feb 20 10:47:35 2011 a quit claim will release you from title but if .. Forum
 Sun Feb 20 5:07:37 2011 Hopefully your letter will take care of .. Forum
 Sun Feb 20 4:03:59 2011 Any lender should be able to help you - it will .. Forum
 Sun Feb 20 3:48:59 2011 Have you had the plan and been paying for 12 .. Forum
 Sun Feb 20 2:17:30 2011 The only way to get off is to pay off the .. Forum
 Sun Feb 20 9:45:01 2011 Immediately - No reason that paying one off would .. Forum
 Sun Feb 20 9:42:54 2011 the term loan can be for any type of loan a .. Forum
 Sun Feb 20 9:41:30 2011 too many variables to say for sure what type of .. Forum
 Sun Feb 20 9:39:37 2011 MIP = Mortgage Insurance Premium - this is the .. Forum
 Sat Feb 19 9:02:35 2011 I believe you could play hard ball and make them .. Forum
 Sat Feb 19 8:10:42 2011 I am not a tax person but if you lose money on .. Forum
 Sat Feb 19 8:09:03 2011 There is no redemption period in CA once sold it .. Forum
 Sat Feb 19 6:44:41 2011 How does it reflect on your credit .. Forum
 Sat Feb 19 5:52:04 2011 Unless you pay cash title insurance is required. .. Forum
 Sat Feb 19 5:40:46 2011 As others have said this is how it is now - Find .. Forum
 Sat Feb 19 5:35:33 2011 I would see if a local bank will give you a .. Forum
 Sat Feb 19 5:27:34 2011 If you are referring to subprime or hard .. Forum
 Sat Feb 19 1:58:28 2011 None - the tax lien can be placed on the property .. Forum
 Sat Feb 19 1:13:34 2011 If she is on title she is a partial owner This .. Forum
 Sat Feb 19 1:02:08 2011 I can guarantee the costs of a loan will not be .. Forum
 Sat Feb 19 12:59:12 2011 I would ask an attorney - my guess which is just .. Forum
 Sat Feb 19 12:57:12 2011 No Idea - that is strange - If you have enough .. Forum
 Sat Feb 19 12:53:59 2011 I just replied to the other post regarding loan .. Forum
 Thu Feb 17 7:28:45 2011 Have the money ready to pay it and let the .. Forum
 Thu Feb 17 3:48:27 2011 Not if they are separate banks if the second did .. Forum
 Thu Feb 17 3:43:46 2011 Sorry the question is not clear He changed .. Forum
 Thu Feb 17 1:20:37 2011 As George has said the banks can and do overlay .. Forum
 Thu Feb 17 11:38:38 2011 You can IF the HELOC was a purchase loan and not .. Forum
 Thu Feb 17 10:47:30 2011 Neither will get your name off of the loan just .. Forum
 Thu Feb 17 10:43:11 2011 Is the loan attached to the property If it is the .. Forum
 Wed Feb 16 7:00:56 2011 You will have a difficult time - Govt loans do .. Forum
 Wed Feb 16 6:50:54 2011 3 years for fha - based on when the home was no .. Forum
 Wed Feb 16 6:49:07 2011 It will depend on how the bank relays that info .. Forum
 Wed Feb 16 6:47:39 2011 Good question - I would guess whoever received .. Forum
 Wed Feb 16 6:44:38 2011 First you will have to wait - the minimum age .. Forum
 Wed Feb 16 6:41:40 2011 Sounds like you are getting an FHA loan instead .. Forum
 Wed Feb 16 6:39:09 2011 You need to go in to your paperwork and find the .. Forum
 Wed Feb 16 6:35:03 2011 First you need to determine if you truly are one .. Forum
 Wed Feb 16 6:32:21 2011 It depends on the bank but the standard these .. Forum
 Wed Feb 16 6:30:26 2011 These days they will just count it in your debt .. Forum
 Wed Feb 16 6:27:48 2011 If you surrender the home - the clock starts all .. Forum
 Wed Feb 16 6:24:24 2011 Contact them immediately to discuss options. If .. Forum
 Wed Feb 16 6:21:08 2011 Try your local bank - It will be difficult .. Forum
 Mon Dec 7 12:53:39 2009 you keep paying and it will not be a problem - .. Forum
 Mon Nov 3 9:24:32 2008 Thanks all off to EBAY to spend .. Forum
 Thu Oct 30 10:05:24 2008 You wont be able to finance it if you owe more .. Forum
 Thu Oct 30 10:03:18 2008 Agree with the above - except the chance of them .. Forum
 Wed Oct 29 6:42:25 2008 You can do either - it is your choice as his .. Forum
 Wed Oct 29 6:39:25 2008 Good Luck it is never a good sign when you cant .. Forum
 Wed Oct 29 6:29:28 2008 Not without a court order as far as I .. Forum
 Wed Oct 29 6:27:47 2008 No Doc does not exist not sure where everyone is .. Forum
 Wed Oct 29 6:25:39 2008 There are no 125% loans available in this market. .. Forum
 Wed Oct 29 6:23:50 2008 How do you plan on paying for the loan You had a .. Forum
 Wed Oct 29 6:20:06 2008 You would still be eligible for a decent rate .. Forum
 Wed Oct 29 6:18:06 2008 Is it because you owe more than 80% My .. Forum
 Wed Oct 29 6:11:32 2008 FHA is your only hope It will require clean .. Forum
 Wed Oct 29 6:04:25 2008 Yes any money collected would go towards .. Forum
 Wed Oct 29 6:02:09 2008 Seek an atty for this Hopefully there is an .. Forum
 Tue Oct 28 12:27:16 2008 Tim if you look closer he says he owes 37k If .. Forum
 Tue Oct 28 9:15:11 2008 what you may want to do is consult with a local .. Forum
 Tue Oct 28 9:12:22 2008 With those scores you will not qualify for a .. Forum
 Tue Oct 28 9:08:09 2008 Buying in a location away from where your job is .. Forum
 Tue Oct 28 9:06:06 2008 I would check with a local RE atty - laws vary .. Forum
 Sun Oct 26 11:12:04 2008 There is no easy way out from this. You and your .. Forum
 Sat Oct 25 5:24:17 2008 Before you go that route do you have enough .. Forum
 Sat Oct 25 5:18:33 2008 Most brokers in the area will have access to .. Forum
 Sat Oct 25 5:12:56 2008 Does he have a balloon payment on the loan If he .. Forum
 Sat Oct 25 5:11:02 2008 How much do you owe and how much is the home .. Forum
 Sat Oct 25 5:08:13 2008 The payment will be based on how much he owes not .. Forum
 Sat Oct 25 5:05:04 2008 Hi Dr2hill You can easily roll the debt inbto a .. Forum
 Sat Oct 25 5:00:29 2008 Markus it is going to be an issue because of the .. Forum
 Sat Oct 25 4:57:31 2008 Yes they can and will force it as it is their .. Forum
 Mon Oct 20 2:30:09 2008 Blak your credentials are strong your cash on .. Forum
 Mon Oct 20 12:36:38 2008 You are on the mortgage and signed the contract .. Forum
 Mon Oct 20 12:34:36 2008 COSI is hovering in the high 4's low 5's these .. Forum
 Mon Oct 20 12:06:55 2008 You can contact the lender and see what steps .. Forum
 Mon Oct 20 11:59:37 2008 That is why you should NEVER pay anything (other .. Forum
 Mon Oct 20 11:56:51 2008 Any good contract is going to provide an out .. Forum
 Mon Oct 20 11:50:59 2008 Rates are down a bit today I would look at .. Forum
 Mon Oct 20 11:28:01 2008 Either sale or rent it out I agree being a .. Forum
 Mon Oct 20 11:19:59 2008 2 years post bk for FHA 4 for conforming You .. Forum
 Sat Oct 4 8:32:26 2008 I can see from your posts that you have a lot of .. Forum
 Fri Oct 3 10:06:39 2008 You need to seek out a probate attorney. If she .. Forum
 Fri Oct 3 10:04:10 2008 how did you get that far without knowing Sounds .. Forum
 Thu Oct 2 4:34:16 2008 Be prepared with documentation to show the .. Forum
 Thu Oct 2 1:26:02 2008 Contact the loss mitigation deprartment and .. Forum
 Thu Oct 2 1:25:01 2008 Yes you can but you need to complete the sale .. Forum
 Thu Oct 2 1:21:44 2008 Elnora welcome to the boards. I am not a .. Forum
 Thu Oct 2 12:08:40 2008 Try FHA .. Forum
 Thu Oct 2 12:03:20 2008 Going through a lender directly does not get rid .. Forum
 Thu Oct 2 11:26:48 2008 No unless it is short term while the primary .. Forum
 Thu Oct 2 11:13:00 2008 While I agree with the definition I dont know .. Forum
 Wed Sep 24 11:29:38 2008 If you qualify for a USDA loan there is no BK .. Forum
 Wed Sep 24 11:15:46 2008 agree with George on both Marty is someone I .. Forum
 Wed Sep 24 10:47:00 2008 A reverse mortgage is a loan that allows seniors .. Forum
 Thu Sep 11 10:01:36 2008 agreed this is not that great of a deal better .. Forum
 Thu Sep 11 9:57:36 2008 Connie you would qualify The amount of money .. Forum
 Thu Sep 11 9:48:24 2008 Why would someone agree to that That is crazy No .. Forum
 Thu Sep 11 9:46:27 2008 Your options are limited sell .. Forum
 Thu Sep 11 9:43:40 2008 I would ask an .. Forum
 Thu Sep 11 9:41:19 2008 He has to agree and sign but yes it can be .. Forum
 Thu Sep 11 9:40:09 2008 There is more to it than just scores Feel free to .. Forum
 Mon Sep 1 10:32:14 2008 Sounds like a adjustable rate mortgage on a .. Forum
 Mon Sep 1 10:30:36 2008 Have not heard of any new "law" .. Forum
 Fri Aug 29 8:49:15 2008 Yes you can however it will require a significant .. Forum
 Fri Aug 29 8:45:09 2008 Was there a will If not the laws may vary from .. Forum
 Fri Aug 29 8:43:23 2008 sell the house and move on it is half hers and .. Forum
 Fri Aug 29 8:41:43 2008 You should be able to be added as part of / .. Forum
 Fri Aug 29 8:40:09 2008 Not going to be good on credit unless you sell .. Forum
 Fri Aug 29 8:39:00 2008 No the lender will have to be paid off to remove .. Forum
 Fri Aug 29 8:37:26 2008 To get the most will require a cash out .. Forum
 Thu Aug 28 9:18:59 2008 If he qualifies for 180k why would you want to .. Forum
 Thu Aug 28 9:10:01 2008 Luke something that old should not hang up the .. Forum
 Thu Aug 28 6:32:52 2008 Yes you can use a non occupant co borrower. You .. Forum
 Thu Aug 28 5:22:05 2008 All people on title must be 62 or older to .. Forum
 Thu Aug 28 5:18:39 2008 Get back in front of the judge and have him force .. Forum
 Thu Aug 28 5:16:31 2008 Not just unreasonable but .. Forum
 Thu Aug 28 5:15:11 2008 Contact wells and see what they say. Unless you .. Forum
 Thu Aug 28 5:14:04 2008 Luke These days everything goes through an .. Forum
 Thu Aug 28 4:51:26 2008 You can get a free mortgage consultation by .. Forum
 Thu Aug 28 4:43:38 2008 Agree ONLY quitclaim it if they are able to .. Forum
 Thu Aug 28 4:39:58 2008 I think Lynette misread There is no way that you .. Forum
 Thu Aug 28 4:37:55 2008 If it wasnt in writing likely not much you can .. Forum
 Sat Aug 23 9:08:10 2008 26 months That si strange Look at the NOTE it .. Forum
 Sat Aug 23 9:06:32 2008 It isnt closing costs it is down payment .. Forum
 Fri Aug 22 10:32:16 2008 How soon will you pay off Refi is not going to .. Forum
 Fri Aug 22 10:30:36 2008 Ok a little Reality Check 720 scores with NO BK .. Forum
 Fri Aug 22 10:22:53 2008 score is too low for FHA get it up some and it .. Forum
 Thu Aug 21 9:44:31 2008 Wow I woul say your friend is reading what he .. Forum
 Thu Aug 21 9:41:50 2008 Realtotr wants a al. I would not listen to them .. Forum
 Tue Aug 19 9:40:48 2008 I do not think so but would advise speaking with .. Forum
 Sun Aug 17 5:28:29 2008 First how is the property title held That will be .. Forum
 Sun Aug 17 5:24:08 2008 Simple answer yes they can and will. Especially .. Forum
 Sun Aug 17 4:46:20 2008 welcome to the forum. It sounds like you may .. Forum
 Sun Aug 17 4:41:43 2008 I would insist that they show it to you before .. Forum
 Sun Aug 17 4:40:54 2008 275000 x 1.3% = 3575 divided by 12 = 298 a .. Forum
 Sun Aug 17 4:35:53 2008 Your only option will be a private money lender. .. Forum
 Sun Aug 17 4:32:59 2008 Get an atty. This is ugly and wont be resolved .. Forum
 Thu Aug 14 11:09:18 2008 They are only as good as the people you work .. Forum
 Thu Aug 14 11:03:15 2008 I am not aware of any special programs for fha I .. Forum
 Thu Aug 14 10:29:08 2008 I am not familiar with them. What are they .. Forum
 Thu Aug 14 10:05:15 2008 3% with no points more if paying points - This .. Forum
 Thu Aug 14 10:03:50 2008 I would consult with an .. Forum
 Wed Aug 13 11:20:46 2008 Pat do an internet search. It is a very small .. Forum
 Wed Aug 13 11:07:34 2008 Agree with George. The broker is a go between. .. Forum
 Wed Aug 13 11:03:56 2008 FHA is very strict about bonus income comission .. Forum
 Tue Aug 5 9:13:23 2008 FHA guidelines will allow seasonal employment but .. Forum
 Tue Aug 5 9:08:40 2008 Agreed you allowed hiom to use your half and now .. Forum
 Tue Aug 5 9:01:25 2008 It isnt the house alone it is how much you owe vs .. Forum
 Tue Aug 5 8:59:40 2008 No fico yes with non traditional tradelines No .. Forum
 Tue Aug 5 8:57:04 2008 Actually that is not true. If you recieve an .. Forum
 Sun Aug 3 7:18:02 2008 Not thatt easy. You signed on a mortgage and are .. Forum
 Sun Aug 3 7:15:58 2008 What is the property worth It will need to .. Forum
 Sun Aug 3 5:34:31 2008 If you are renting it out it is an investment .. Forum
 Sun Aug 3 5:33:31 2008 No primary .. Forum
 Thu Jul 31 11:30:24 2008 do the quit claim in title on the condition that .. Forum
 Thu Jul 31 11:27:14 2008 680 is as low as I have seen recently on a .. Forum
 Mon Jul 28 10:52:05 2008 Shane just because it starts with a .. Forum
 Mon Jul 28 10:50:17 2008 OP Congratulations on getting through the BK. You .. Forum
 Mon Jul 28 10:47:31 2008 I wouldnt bank on the down payment assistance .. Forum
 Mon Jul 28 10:42:42 2008 Guest as nice as we was to try and help is .. Forum
 Mon Jul 28 10:39:57 2008 I agree spend the money om an atty to where you .. Forum
 Sun Jul 27 9:10:50 2008 LOL I have seen this question somwhere before. I .. Forum
 Fri Jul 25 11:40:44 2008 Youre both wrong LOL This was the perfect storm .. Forum
 Thu Jul 24 7:52:52 2008 Be careful It is a common con for someone to .. Forum
 Thu Jul 24 7:41:53 2008 There are many different programs including a .. Forum
 Wed Jul 23 10:15:19 2008 sgursky You will not qualify for a reverse .. Forum
 Wed Jul 23 10:12:07 2008 Go to your state licensing entity and file a .. Forum
 Wed Jul 23 10:10:41 2008 Yes it will impact your ability to buy. I do not .. Forum
 Wed Jul 23 10:06:51 2008 This is a very broad question and there is no ONE .. Forum
 Tue Jul 22 11:01:06 2008 The only thing that sticks out based on what you .. Forum
 Tue Jul 22 10:57:30 2008 Matt that is correct however what has been leuded .. Forum
 Tue Jul 22 10:53:53 2008 You need to go to the county recorder where the .. Forum
 Tue Jul 22 10:51:51 2008 Agree - not discharge it is 12 months of paid as .. Forum
 Tue Jul 22 10:48:23 2008 You need to have 12 months paid as agreed in the .. Forum
 Mon Jul 21 11:05:08 2008 For someone with 7 posts you should read the .. Forum
 Mon Jul 21 4:51:26 2008 Sabercats this weekend.......... They play about .. Forum
 Sun Jul 20 8:49:19 2008 Get with a local title company and ask them what .. Forum
 Sun Jul 20 8:42:52 2008 FHA .. Forum
 Sun Jul 20 8:41:17 2008 Nykolos Many lenders add tyo the fha guidelines .. Forum
 Sun Jul 20 8:32:41 2008 The guidelines do state that you can get an .. Forum
 Sun Jul 20 8:30:32 2008 dgikas is correct the intent is for you to only .. Forum
 Sun Jul 20 8:25:02 2008 Whileo you satisfy the two year employment rule .. Forum
 Sun Jul 20 8:23:08 2008 How was he able to finance and not be on .. Forum
 Sun Jul 20 8:21:42 2008 How much are homes in your area How much debt do .. Forum
 Fri Jul 18 8:40:35 2008 Not aware of any lenders offering any products .. Forum
 Fri Jul 18 8:38:08 2008 Hi Olivia, If there is a medical reason for her .. Forum
 Fri Jul 18 8:34:54 2008 Possibly - I would seek out an attorney. In many .. Forum
 Thu Jul 17 5:59:56 2008 There are different ways of holding title but the .. Forum
 Tue Jul 15 10:04:06 2008 no more than 80% of the homes value may be cashed .. Forum
 Mon Jul 14 10:51:15 2008 You had better get a divorce court involved .. Forum
 Sun Jul 13 11:33:33 2008 No absolutely not. The only way to get off the .. Forum
 Sun Jul 13 11:30:02 2008 Felicia how old is the home If it has a .. Forum
 Sun Jul 13 11:18:53 2008 There may be an option now. If our lender on the .. Forum
 Sun Jul 13 11:14:43 2008 Why a blanket They are very hard to find and do .. Forum
 Sun Jul 13 11:11:44 2008 It is quite possible that your payment will be .. Forum
 Fri Jul 11 9:59:40 2008 Agreed there will be no financing until it is .. Forum
 Fri Jul 11 9:54:58 2008 OP first I am sorry to hear you are in a mess - .. Forum
 Fri Jul 11 9:49:47 2008 The question is how many years of school not did .. Forum
 Thu Jul 10 6:17:47 2008 You would likely have to refinance. With that .. Forum
 Thu Jul 10 4:18:32 2008 HUD is fighting to eliminate the down payment .. Forum
 Wed Jul 9 11:16:36 2008 the next day...once it is yours it is yours... .. Forum
 Wed Jul 9 12:36:25 2008 Look at all options before deciding. Even with MI .. Forum
 Tue Jul 8 11:42:36 2008 The point was (I left it off) the other family .. Forum
 Tue Jul 8 11:37:40 2008 I wouldnt suggest doing that to your parents. Add .. Forum
 Tue Jul 8 11:31:37 2008 ULCH - would like to explain your position That .. Forum
 Tue Jul 8 5:56:23 2008 I would anticipate the underwriter needing more .. Forum
 Tue Jul 8 5:51:03 2008 Yes it is possible if you and the values qualify. .. Forum
 Tue Jul 8 5:49:13 2008 Hi Valene, There are some gifted people here but .. Forum
 Tue Jul 8 5:46:34 2008 There is a lot that determines what rate you will .. Forum
 Sun Jul 6 11:48:22 2008 Is there a will or a living .. Forum
 Sun Jul 6 11:43:21 2008 This would be a commercial loan. Your local bank .. Forum
 Sun Jul 6 1:33:17 2008 Hi Guest have you applied yet to see if you can .. Forum
 Sun Jul 6 1:31:05 2008 Short sale is seen by lenders the same as a .. Forum
 Sun Jul 6 1:29:13 2008 Not sure about scores but you wont be buiying .. Forum
 Sun Jul 6 1:25:17 2008 Donna if you are one of the principals in that .. Forum
 Sat Jul 5 7:03:46 2008 Sydney my guess is that the DIL is no longer an .. Forum
 Sat Jul 5 5:52:54 2008 I cant figure out how to respond when someone .. Forum
 Sat Jul 5 4:23:16 2008 Yes but probably not .. Forum
 Sat Jul 5 4:19:56 2008 yes .. Forum
 Sat Jul 5 4:11:27 2008 Hard money will offer an equity based loan. .. Forum
 Sat Jul 5 12:22:59 2008 To use your wifes income she and her scores will .. Forum
 Fri Jul 4 9:17:13 2008 Hi Barbara It may be different in different .. Forum
 Fri Jul 4 1:44:15 2008 Not much you can do except pay it off. They are .. Forum
 Wed Jul 2 11:23:22 2008 I would talk to the ciuty and if it was there .. Forum
 Wed Jul 2 11:20:16 2008 Ray do you have a contract If the terms of the .. Forum
 Wed Jul 2 11:16:07 2008 Not that I have seen Cant even get stated for .. Forum
 Wed Jul 2 11:14:04 2008 Different states have different laws. Getting a .. Forum
 Wed Jul 2 11:07:29 2008 look around on the hud website also do a search .. Forum
 Wed Jul 2 11:02:56 2008 2 issues score is low and loan to value .. Forum
 Tue Jul 1 11:21:30 2008 FHA is the only loan product that does not give .. Forum
 Tue Jul 1 4:09:36 2008 That debt will count against you when it comes to .. Forum
 Tue Jul 1 3:05:40 2008 Have you called back to the property manager The .. Forum
 Tue Jul 1 3:02:49 2008 I agree the biggest negative will be if it has .. Forum
 Tue Jul 1 2:54:19 2008 Do your homework as one person said there are .. Forum
 Tue Jul 1 2:48:06 2008 Day to day anymore Things are changing quicker .. Forum
 Tue Jul 1 2:47:00 2008 Something missing there It sounds like you have .. Forum
 Tue Jul 1 2:44:10 2008 Marty will sell you the brookly bridge .. Forum
 Tue Jul 1 2:42:42 2008 Texas has alaw on the books that says you cannot .. Forum
 Mon Jun 30 9:54:18 2008 Unless your fathers loan has an assumable clause .. Forum
 Mon Jun 30 8:56:38 2008 OP with that score getting a refi is going to be .. Forum
 Mon Jun 30 4:38:42 2008 Your debt to income will be close but with 20% .. Forum
 Mon Jun 30 4:35:32 2008 Thanks George I like the optimism. This has been .. Forum
 Mon Jun 30 4:26:28 2008 Is she a buyer If she is you can pay a little .. Forum
 Mon Jun 30 4:25:19 2008 You know I recently heard an argument that in a .. Forum
 Sun Jun 29 9:55:07 2008 Is it a community property state If he is trying .. Forum
 Sun Jun 29 5:05:51 2008 I think with every lender you will have stories .. Forum
 Sun Jun 29 5:04:28 2008 I do not believe that they can do a judgement .. Forum
 Sun Jun 29 1:25:10 2008 First get out of debt if possible then start .. Forum
 Sun Jun 29 1:22:49 2008 Let's Play Music .. Forum
 Sun Jun 29 1:21:26 2008 all lenders have a lender review department and .. Forum
 Sun Jun 29 1:19:34 2008 Good .. Forum
 Sun Jun 29 1:10:18 2008 A title company will help you for a small fee if .. Forum
 Sun Jun 29 1:08:29 2008 Before you do this think it through. Do you owe .. Forum
 Sun Jun 29 1:07:01 2008 She cannot take back your share but she does own .. Forum
 Sun Jun 29 1:03:42 2008 I want to add that most student loans are govt .. Forum
 Sun Jun 29 1:01:45 2008 K a 2nd has the most to lose. The first has to .. Forum
 Sun Jun 29 1:00:19 2008 Sue talk to the lender now. Dont wait until it is .. Forum
 Sun Jun 29 12:58:22 2008 Depending on the loan to value many lenders will .. Forum
 Sun Jun 29 12:40:51 2008 Not unless you let hom or do nothing about it. .. Forum
 Sat Jun 28 11:17:09 2008 You will need to get the property transfered into .. Forum
 Sat Jun 28 11:07:58 2008 Non owner occupied (investment) loan. Much harder .. Forum
 Sat Jun 28 11:00:35 2008 Some lenders also allow for lender paid mi. To .. Forum
 Fri Jun 27 10:55:24 2008 I would pay a small consult fee and see what an .. Forum
 Fri Jun 27 7:19:00 2008 Is it a true 2nd home or an investment home If .. Forum
 Fri Jun 27 7:08:51 2008 He has to sign you on. You cant just be .. Forum
 Fri Jun 27 6:35:41 2008 Contact the loss mitigation department with your .. Forum
 Fri Jun 27 6:33:23 2008 More info Might want to try a different section .. Forum
 Fri Jun 27 6:30:58 2008 DO NOT Quitclaim You will give up your rights .. Forum
 Fri Jun 27 6:27:23 2008 I would spend the money and seek out legal .. Forum
 Fri Jun 27 6:23:41 2008 FHA requires a lower debt to income. All debt .. Forum
 Fri Jun 27 6:19:29 2008 This was posted in two places but I will answer .. Forum
 Fri Jun 27 6:16:08 2008 Are you on the deed If so how did the spouse do .. Forum
 Fri Jun 27 6:11:42 2008 Yes this could be an issue. On page 4 of the .. Forum
 Fri Jun 27 6:09:20 2008 SECONDS do not like to do Short Sales CW does .. Forum
 Fri Jun 27 6:08:03 2008 Get them a coipy of the check It will cause you .. Forum
 Fri Jun 27 6:06:22 2008 Quick search turned up the following If, after .. Forum
 Fri Jun 27 6:04:38 2008 How much do you owe and what is the home worth .. Forum
 Fri Jun 27 6:03:54 2008 Glad to hear you are locked and are .. Forum
 Fri Jun 27 5:57:39 2008 You probably are not going to do anything quick .. Forum
 Thu Jun 26 11:45:40 2008 In some states there are homestead exemptions .. Forum
 Thu Jun 26 11:41:49 2008 Sophia do you plan to get back with him If not .. Forum
 Thu Jun 26 7:38:43 2008 Dolores can you clarify what it is you are .. Forum
 Thu Jun 26 7:15:43 2008 FHA will allow a Combined Loan to Value above .. Forum
 Thu Jun 26 7:11:21 2008 If not a first time buyer program there are other .. Forum
 Thu Jun 26 7:07:24 2008 If you plan on buying the stuff then just put .. Forum
 Thu Jun 26 7:05:17 2008 Knowing when to lock is a hard question. You have .. Forum
 Thu Jun 26 6:57:43 2008 Yes but is there enough equity to do it If your .. Forum
 Thu Jun 26 6:56:10 2008 Probably show you as 2 months late on the credit .. Forum
 Thu Jun 26 6:55:17 2008 12 Months of clean credit should do it. You may .. Forum
 Wed Jun 25 11:50:50 2008 I have heard that opting out will give a few .. Forum
 Wed Jun 25 11:40:12 2008 The best thing someone can do that is in an ARM .. Forum
 Wed Jun 25 10:20:33 2008 Can you get it .. Forum
 Wed Jun 25 10:18:08 2008 John The problem with your question is you are .. Forum
 Wed Jun 25 10:13:48 2008 Yes you can have her quit claim it to you. .. Forum
 Wed Jun 25 10:08:12 2008 You will need to look at the divorxe agreement to .. Forum
 Wed Jun 25 9:57:02 2008 There is absolutely no way that you will qualify .. Forum
 Wed Jun 25 9:03:53 2008 John have you read the rules of the forum There .. Forum
 Wed Jun 25 8:59:03 2008 Marty you should read the rules of the board they .. Forum
 Wed Jun 25 8:47:58 2008 I feel your pain. I have 5 rentals all about 100 .. Forum
 Wed Jun 25 8:39:39 2008 No They may be able to garnish wages if they get .. Forum
 Tue Jun 24 10:32:11 2008 I do not think there is an age limit to own .. Forum
 Tue Jun 24 10:28:18 2008 I would contact the bank. The broker may be .. Forum
 Tue Jun 24 5:36:16 2008 Hu Carrie Do you have enough equity in your home .. Forum
 Tue Jun 24 5:34:31 2008 FHA May possibly allow it. I have not done a .. Forum
 Tue Jun 24 5:29:49 2008 The only option available now for refinance is a .. Forum
 Tue Jun 24 5:26:22 2008 I hate it when I do that HUD has a list of .. Forum
 Mon Jun 23 10:10:47 2008 One of my favorite Bands Has a touch of many .. Forum
 Mon Jun 23 2:18:21 2008 TX does not allow cash out refinances abve 80% of .. Forum
 Mon Jun 23 2:12:59 2008 I agree with George (happens a lot) You are .. Forum
 Mon Jun 23 2:05:45 2008 The DTI ratios are determined by program FHA and .. Forum
 Sun Jun 22 7:24:40 2008 You can always ask however once the process has .. Forum
 Sun Jun 22 7:22:03 2008 Hi All Newer to the forum, actually this is my .. Forum
 Sun Jun 22 7:17:29 2008 This is very unique and hope it works. Many .. Forum
 Sun Jun 22 7:15:16 2008 Chattel loans are not hard to get just different .. Forum
 Sun Jun 22 7:04:17 2008 It is a comp and unfortunately all across the .. Forum
 Sun Jun 22 7:00:29 2008 I am no expert but I think the lifetime exemption .. Forum
 Sun Jun 22 6:57:54 2008 Thats a very tough call. Are you sure you are .. Forum
 Sun Jun 22 6:54:25 2008 If I remember right it happened a few years ago .. Forum
 Sun Jun 22 6:53:07 2008 Unfortunately that is a stance many banks are .. Forum
 Sun Jun 22 6:50:05 2008 There are a few levels of qualification. The .. Forum
 Sun Jun 22 6:47:57 2008 Not knowing the monthly payments on the cards .. Forum
 Sun Jun 22 6:43:56 2008 FHA does not arbitrarily require that collection .. Forum
 Sat Jun 21 8:10:28 2008 Thats make me think even more you should sell in .. Forum
 Sat Jun 21 6:57:59 2008 I agree with everyone above. Doing something has .. Forum
 Sat Jun 21 6:55:15 2008 What a mess you have He is on the note and on the .. Forum
 Sat Jun 21 6:51:59 2008 If you add her she will have to refinance with .. Forum
 Sat Jun 21 6:30:49 2008 So you are putting 20% down It is pretty easy to .. Forum
 Sat Jun 21 6:24:31 2008 It sopunds like he is in a state that sells the .. Forum
 Sat Jun 21 6:21:23 2008 I still pay bills with checks and use microsoft .. Forum
 Sat Jun 21 6:19:22 2008 I am happy to see that Sam took care of the .. Forum
 Sat Jun 21 6:16:40 2008 Wow the annonymous posters shur throw big jabs .. Forum
 Sat Jun 21 5:53:27 2008 I would seekout legal advise ASAP. As far as I .. Forum
 Sat Jun 21 5:51:06 2008 You need to satisfy the current obligation. .. Forum
 Sat Jun 21 5:42:00 2008 That would be a reasonable explanation for an .. Forum
 Sat Jun 21 3:31:10 2008 Since the post was brought to the top by our .. Forum
 Sat Jun 21 3:11:08 2008 The title fees will vary between refinance and .. Forum
 Sat Jun 21 2:53:58 2008 Having any lates after a BK makes qualifying very .. Forum
 Sat Jun 21 2:36:37 2008 If you contact a local title company they will .. Forum
 Sat Jun 21 12:20:46 2008 I would love to see this National Licensing go .. Forum
 Fri Jun 20 9:56:23 2008 A HELOC is a line of credit much like a credit .. Forum
 Fri Jun 20 9:54:21 2008 I agree with Cliff you need to get someone on the .. Forum
 Fri Jun 20 9:49:33 2008 Is it a living trust When we had ours drawn up we .. Forum
 Fri Jun 20 9:43:30 2008 There is a change in the works to not allow .. Forum
 Fri Jun 20 9:41:20 2008 In most cases it will not increase more than the .. Forum
 Fri Jun 20 9:40:04 2008 Where are they .. Forum
 Fri Jun 20 9:21:49 2008 Yes you will need to get a copy of the original .. Forum
 Fri Jun 20 9:20:33 2008 Divorce is UGLY and until all lose ends are dealt .. Forum
 Fri Jun 20 9:17:31 2008 It is a state by state thing. In CA you can go .. Forum
 Fri Jun 20 9:08:08 2008 I agree with the others. The biggest thing is to .. Forum
 Fri Jun 20 9:05:51 2008 Absolutely you need to hire an attorney .. Forum
 Fri Jun 20 8:59:56 2008 It is true that there is less protection on a .. Forum
 Fri Jun 20 8:57:24 2008 Take her to court and =get a judge to force her .. Forum
 Fri Jun 20 8:53:32 2008 I have heard of this and it usually has to do .. Forum
 Fri Jun 20 8:48:31 2008 Will it rent The rental market in CA is very .. Forum
 Fri Jun 20 8:44:30 2008 Force is the wrong word. The brother didnt take .. Forum
 Fri Jun 20 8:41:22 2008 Security why would you suggest locking the rate .. Forum
 Fri Jun 20 8:25:32 2008 TX only allows cash out refinance to .. Forum
 Fri Jun 20 8:09:44 2008 Did he play to fix the damaged dish Is he willing .. Forum
 Fri Jun 20 7:59:56 2008 wow defitnitely a scam or a company that if legit .. Forum
 Fri Jun 20 7:56:50 2008 So long as you end up with the homes you are .. Forum
 Fri Jun 20 7:45:09 2008 There are still lenders available that will do an .. Forum
 Fri Jun 20 7:39:05 2008 Thanks I will do .. Forum
 Fri Jun 20 7:29:10 2008 LOL better find a Hotel for that short period of .. Forum
 Fri Jun 20 7:26:27 2008 You need to communicate with the lender ASAP. .. Forum
 Fri Jun 20 7:24:34 2008 Lowell I just made a change and may have some .. Forum
 Fri Jun 20 7:16:23 2008 Don't let an annonymous poster get to you .. Forum
 Fri Jun 20 4:36:04 2008 I am very biased when it come to the broker vs. .. Forum
 Fri Jun 20 10:02:46 2008 Financing through mortgage channels will be .. Forum
 Thu Jun 19 10:31:55 2008 Try FHA if you havent the scores are good enough. .. Forum
 Thu Jun 19 11:26:14 2008 There are private money lenders for almost all .. Forum
 Wed Jun 18 8:17:04 2008 George hit it on the head. You need to take a .. Forum
 Wed Jun 18 8:13:34 2008 You have not provided enough information to .. Forum
 Wed Jun 18 8:07:06 2008 Sounds like you know the options. I do not think .. Forum
 Wed Jun 18 7:59:51 2008 Hi Deb welcome to the forum If you do not ant .. Forum
 Wed Jun 18 11:05:30 2008 I think you are wise to look at a 15. Why stretch .. Forum
 Wed Jun 18 12:05:28 2008 Welcome to the boards You will have options .. Forum
 Wed Jun 18 12:03:52 2008 That is a very broad question. Tell us a little .. Forum
 Mon Jun 16 1:04:40 2008 I had to go back and look at the guidelines and .. Forum
 Mon Jun 16 12:43:40 2008 Why is the credit where it is Whats pulling the .. Forum
 Mon Jun 16 12:11:43 2008 Most construction loan lenders have left the .. Forum
 Mon Jun 16 12:03:44 2008 I agree with George. You made an agreement to get .. Forum
 Mon Jun 16 11:59:36 2008 How POOR is the credit is the first question .. Forum
 Mon Jun 16 11:55:12 2008 Make sure you go through the correct paperwork .. Forum
 Mon Jun 16 11:50:48 2008 If the property if refinanced it is no longer a .. Forum
 Mon Jun 16 11:44:32 2008 Quit claiming it will not relieve you of any .. Forum
 Sat Jun 14 8:08:38 2008 Obviously any of those scenarios would help with .. Forum
 Sat Jun 14 7:17:32 2008 Texas has laws against cash out refinances when .. Forum
 Sat Jun 14 7:08:53 2008 I agree with George. The above information is not .. Forum
 Sat Jun 14 5:37:43 2008 Gross Monthly Income divided by total monthly .. Forum
 Sat Jun 14 5:34:57 2008 Do you have any money to put down If not your .. Forum

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