Posts by elnora.little
Posting date Subject
Posted: Mon Nov 2 8:19:19 2009 I was just doing some research, normally, unless ..
Posted: Mon Nov 2 8:17:29 2009 It's an awful situation to be in. Chapter 13 ..
Posted: Mon Nov 2 8:13:53 2009 If you are in a community property state. I am ..
Posted: Mon Nov 2 8:13:39 2009 Hi Joshua, Can you help with my thread on ..
Posted: Sun Nov 1 8:12:09 2009 The whole thing sounds shakey to me. Once someone ..
Posted: Sun Nov 1 8:05:43 2009 I haven't heard of this either. I would contact ..
Posted: Sun Nov 1 8:03:31 2009 Unfortunately transfering the deed to you, does ..
Posted: Sun Nov 1 8:00:00 2009 It does seem that way doesn't it. The problem ..
Posted: Sun Nov 1 7:20:26 2009 The loan modification process could take more ..
Posted: Sun Nov 1 7:15:18 2009 Unfortunatley, you are unable to protect the ..
Posted: Sun Nov 1 7:12:57 2009 I suppose this was ordered by the courts when you ..
Posted: Sun Nov 1 7:10:11 2009 If your husband is on the mortgage (the note), ..
Posted: Mon Oct 5 8:36:56 2009 there is no way to predict the definitive future ..
Posted: Fri Oct 2 11:37:33 2009 the home must be permanently attached to a ..
Posted: Thu Sep 17 8:47:33 2009 Your only option right now is to pay your ..
Posted: Sat Aug 29 14:16:08 2009 Contact the loss mitigation department of your ..
Posted: Sat Aug 29 14:04:14 2009 Typically, I have not heard of paying points ..
Posted: Sat Aug 29 12:54:31 2009 it is my understanding you cannot combine a first ..
Posted: Sat Aug 29 12:51:48 2009 are you the purchaser of the house it seems that ..
Posted: Sat Aug 29 12:48:24 2009 perferred is a fixed rate. Your 5 fixed rate ..
Posted: Sat Aug 29 12:43:16 2009 Catherine, yes, it's your standard FHA ..
Posted: Wed Aug 19 8:00:02 2009 If he is not on the note, but the deed only, ..
Posted: Wed Aug 19 7:57:19 2009 The way I read the scenerio, you are on the loan ..
Posted: Thu Aug 6 7:34:05 2009 have you tried contacting the second about a ..
Posted: Thu Aug 6 7:33:08 2009 I am in the process of doing it now. I, ..
Posted: Wed Aug 5 20:39:45 2009 Does a lender disclose anywhere in my documents, ..
Posted: Wed Jul 8 9:41:26 2009 you will have to call them and get qualified for ..
Posted: Wed Jul 8 8:29:23 2009 Normally the lender will send you out some forms ..
Posted: Wed Jul 8 8:26:44 2009 There are some lenders out there that will go to ..
Posted: Wed Jul 8 8:22:33 2009 I don't nessicarliy agree with the statement that ..
Posted: Wed Jul 8 8:17:45 2009 jenkin is correct. You should not be held ..
Posted: Wed Jul 8 8:15:14 2009 savior is right. Most lenders though, on ..
Posted: Wed Jul 8 8:03:48 2009 Adonis is right. I would like to try to explain a ..
Posted: Wed Jul 8 7:51:11 2009 I see with the appraised value of 530k you have ..
Posted: Wed Jul 8 7:46:10 2009 Jenkin is correct. Maybe you could elaborate on ..
Posted: Wed Jul 8 7:44:06 2009 Niices is correct. You might also want to ..
Posted: Thu Jun 25 8:47:42 2009 we need a little more info, what is it that the ..
Posted: Thu Jun 25 8:47:02 2009 $8k tax credit ..
Posted: Thu Jun 25 8:42:17 2009 There are some criterea that you need to meet in ..
Posted: Thu Jun 25 8:29:22 2009 I agree with the refinance option, removing Joe ..
Posted: Tue Jun 23 15:00:57 2009 yes, but you are entitled to a copy of the ..
Posted: Tue Jun 23 14:43:40 2009 It would be in fine print on an interest rate and ..
Posted: Tue Jun 23 14:40:22 2009 It depends on who you go with, if you are going ..
Posted: Tue Jun 23 14:38:02 2009 If she obtains life rights to the property, she ..
Posted: Tue Jun 23 14:35:22 2009 there is a document some lenders make you sign. ..
Posted: Tue Jun 23 14:23:28 2009 My issue with advising that the borrowers get ..
Posted: Tue Jun 16 11:28:40 2009 do you folks know many lenders able to utilize ..
Posted: Tue Jun 9 13:33:38 2009 You should definately file a motion through your ..
Posted: Mon Jun 8 12:11:45 2009 I would think that if you are on the title of the ..
Posted: Wed Jun 3 9:26:05 2009 I would try doing a land loan. What state are you ..
Posted: Tue Jun 2 9:27:27 2009 590 isn't impossible but you might be paying for ..
Posted: Mon May 25 13:11:58 2009 The Obama plan wouldn't work b/c of the ..
Posted: Mon May 25 13:10:19 2009 I agree with Jenkin you are on the right track. ..
Posted: Mon May 25 13:08:07 2009 it depends on what type of mortgage. if you are ..
Posted: Mon May 4 20:56:47 2009 You need to contact your lender and get pre ..
Posted: Mon May 4 20:53:57 2009 Ones that don't give you anything in writing. ..
Posted: Mon May 4 20:52:56 2009 It is called FHA Upfront mortgage insurance ..
Posted: Mon May 4 20:49:59 2009 You have a few options, a deed in lieu, but also ..
Posted: Mon May 4 20:46:49 2009 You can call the servicer on the mortgage now and ..
Posted: Sat Apr 25 22:48:37 2009 Ultimately it is up to the judge, but most times, ..
Posted: Sat Apr 25 22:47:26 2009 if you have a contract for employment with no ..
Posted: Thu Apr 23 20:57:38 2009 I believe they have the right to ..
Posted: Thu Apr 23 20:57:04 2009 contact the loss mitigation department of your ..
Posted: Thu Apr 23 20:55:48 2009 I beleieve the debt needs to be 7 years old for ..
Posted: Thu Apr 23 20:53:13 2009 620 is the lowest we can go. but if you are at ..
Posted: Thu Apr 16 8:32:03 2009 It is very dangerous to hand over your financials ..
Posted: Thu Mar 5 11:31:51 2009 I think the safest option for you is to buy the ..
Posted: Thu Mar 5 11:28:08 2009 cash out option is there for you, you can also ..
Posted: Tue Feb 24 21:16:03 2009 I believe it is only 6 months under conventional ..
Posted: Tue Feb 24 21:14:15 2009 ps, if you did an FHA loan, you can do a ..
Posted: Tue Feb 24 21:13:12 2009 call the loss mitigation department of your ..
Posted: Tue Feb 24 21:11:51 2009 MY feeling is this, As a loan officer, my ..
Posted: Tue Feb 24 21:06:19 2009 My thoughts are this, first a broker cannot ..
Posted: Tue Feb 10 8:19:48 2009 Most Lenders want to be sure that you have had a ..
Posted: Mon Feb 9 14:46:05 2009 The trustee or mortgage lender has to file the ..
Posted: Mon Feb 9 14:40:19 2009 Most companies allow you to purchase a home in ..
Posted: Mon Feb 9 14:35:58 2009 The best option is to try to refinance the ..
Posted: Mon Feb 9 14:32:52 2009 There is a GOP stimulus plan that might drop ..
Posted: Wed Jan 28 9:00:21 2009 hmm I guess I did it wrong. if you click the ..
Posted: Wed Jan 28 8:59:37 2009 This is me in my normal everyday average person ..
Posted: Mon Jan 26 11:58:28 2009 Bankruptsy is an option. If you are going to be ..
Posted: Sat Jan 24 13:17:00 2009 you both have equal ownership to the property. ..
Posted: Sat Jan 24 13:15:45 2009 yes, it is still a home buying ..
Posted: Sat Jan 24 13:15:14 2009 try financial strategies call the banking ..
Posted: Sat Jan 24 13:10:44 2009 If you want to slow down the process file ..
Posted: Mon Jan 12 15:53:02 2009 I believe it is 60 days to re-claim their ..
Posted: Mon Jan 12 15:52:05 2009 Unfortunately you are in a community property ..
Posted: Mon Jan 12 15:49:12 2009 Just because you signed a quit claim, doesn't ..
Posted: Mon Jan 12 15:45:03 2009 Since you are on the mortgage with your soon to ..
Posted: Mon Jan 12 15:41:43 2009 you would have to first qualify for a refinance ..
Posted: Mon Jan 12 15:40:04 2009 you can also do a census search by ..
Posted: Mon Jan 12 15:39:41 2009 just do a google for the county property records. ..
Posted: Mon Jan 12 15:38:52 2009 First I would start by getting a power of ..
Posted: Wed Jan 7 9:42:56 2009 Thanks Folks!!!! I am super excited. I get ..
Posted: Wed Jan 7 9:35:35 2009 The note is technically the mortgage. If you ..
Posted: Wed Jan 7 9:33:10 2009 First thing I would do is to check with the ..
Posted: Wed Jan 7 9:25:10 2009 I am not sure what state you are in, but ..
Posted: Wed Jan 7 9:21:38 2009 Have you tried loss mitigation I hate telling ..
Posted: Mon Dec 15 21:06:28 2008 in most states, yes. But the other person would ..
Posted: Mon Dec 15 21:05:28 2008 Lets start with a few questions.. first, how ..
Posted: Mon Dec 15 21:01:51 2008 most lenders would like for you to be 12 months ..
Posted: Mon Dec 15 20:56:53 2008 Before you sell your house, I would speak to a ..
Posted: Mon Dec 15 20:55:47 2008 If you love your home, I would do what it takes ..
Posted: Mon Dec 15 20:40:48 2008 you can pull a credit report on the business or ..
Posted: Mon Dec 8 20:46:09 2008 based on $16300 loan amount, almost perfect ..
Posted: Mon Dec 8 20:42:16 2008 Under the fair credit reporting act, they can ..
Posted: Mon Dec 8 20:37:58 2008 FHA will do a non occupant co borrower. If you ..
Posted: Mon Dec 8 20:31:25 2008 FHA mortgages do not require you to pay off ..
Posted: Wed Dec 3 10:05:00 2008 Processing fees on the attorney's side and the ..
Posted: Wed Dec 3 10:02:14 2008 At closing you were given a title insurance ..
Posted: Wed Dec 3 9:59:37 2008 Your credit will be damaged for quite some ..
Posted: Wed Dec 3 8:47:54 2008 The cap begins in January. Right now, if you ..
Posted: Thu Nov 20 20:44:37 2008 I have a friend that recently moved from Arizona, ..
Posted: Thu Nov 20 20:40:32 2008 I am not sure if you have a realtor representing ..
Posted: Mon Nov 17 12:26:26 2008 One thing to also consider about short ..
Posted: Mon Nov 17 12:17:50 2008 contact your lender to get prequalified before ..
Posted: Mon Nov 17 11:57:39 2008 You will need to pay off the tax liens. Federal ..
Posted: Mon Nov 17 11:27:45 2008 Yes. A mortgage is still secured against your ..
Posted: Mon Nov 17 11:19:08 2008 I think that Susanne is completely right. Most ..
Posted: Mon Nov 17 11:13:58 2008 I would think that if you have a legal separation ..
Posted: Mon Nov 10 20:17:07 2008 some fha mortgages can help borrower's that ..
Posted: Mon Nov 10 8:43:18 2008 I agree with Carl and James. I think your ex ..
Posted: Sun Nov 9 11:26:49 2008 I have never used lending tree. I don't think it ..
Posted: Sun Nov 9 11:23:45 2008 I agree with Jerry. Justlook for another ..
Posted: Sun Nov 9 11:17:23 2008 some lenders will accept proof that someone else ..
Posted: Sun Nov 9 11:11:59 2008 I wouldn't sign anything that removes you from ..
Posted: Sun Nov 9 11:07:27 2008 If you are positive that the your husband was ..
Posted: Tue Nov 4 11:50:44 2008 I agree though with George, 3-4 months is way too ..
Posted: Tue Nov 4 11:03:53 2008 Each lender is different I suppose. I have never ..
Posted: Tue Nov 4 10:56:22 2008 I don't understand how you bought the house with ..
Posted: Tue Oct 28 21:28:23 2008 your current note holder should send you a lien ..
Posted: Tue Oct 28 21:27:11 2008 you would pay the interest for the month, but not ..
Posted: Tue Oct 28 21:24:44 2008 My parents are going through something ..
Posted: Sun Oct 26 21:17:28 2008 it would make sense, if you can afford the fixed ..
Posted: Wed Oct 22 20:02:11 2008 You should contact her estate attorney. I am ..
Posted: Wed Oct 22 20:00:25 2008 I would call your county recording office. I ..
Posted: Wed Oct 22 19:56:13 2008 Foreclosure contract are primarily written for ..
Posted: Tue Oct 21 9:28:29 2008 Posted: Tue Oct 21, 2008 6:27 am Post subject: ..
Posted: Mon Oct 20 20:19:59 2008 Is there a question about the will being legal ..
Posted: Mon Oct 20 20:11:39 2008 I am assuming that you owned the home prior to ..
Posted: Mon Oct 20 20:07:24 2008 I understand what you are trying to do. My ..
Posted: Fri Oct 17 16:17:21 2008 It is always nice to have the payment by the ..
Posted: Fri Oct 17 16:15:10 2008 Some states have a community property law, but ..
Posted: Fri Oct 17 16:09:42 2008 Your mortgage company has to also agree to the ..
Posted: Fri Oct 17 16:01:43 2008 It means that your mortgage company has ..
Posted: Fri Oct 17 15:58:39 2008 most lenders use an automated credit underwriting ..
Posted: Wed Oct 8 14:42:11 2008 quitclaim the house into the daughters names and ..
Posted: Wed Oct 8 14:40:31 2008 Normally proceedings take 90 days to begin or 3 ..
Posted: Wed Oct 8 14:33:14 2008 I, nor anyone else in my office, have never heard ..
Posted: Wed Oct 8 14:28:16 2008 What you are looking to do is called a Life ..
Posted: Wed Oct 8 14:18:57 2008 I would not at all suggest you just skip a ..
Posted: Wed Oct 8 14:16:10 2008 George said it best! "don't throw good ..
Posted: Wed Oct 8 13:18:33 2008 I think I understand what you are saying. The ..
Posted: Wed Oct 8 11:02:01 2008 you might be able to obtain an fha mortgage, it ..
Posted: Wed Oct 8 10:50:30 2008 I would think it fell under predetory lending ..
Posted: Wed Oct 8 10:46:47 2008 Here is an article from the Washington Post that ..
Posted: Wed Oct 8 10:40:28 2008 I am not sure how someone "Assists" you ..
Posted: Wed Oct 8 10:33:40 2008 If you aren't on the mortgage than it should not ..
Posted: Tue Oct 7 15:49:11 2008 If the deed was in the 3 of you and it's free and ..
Posted: Tue Oct 7 15:47:37 2008 I would think that it is only a matter of ..
Posted: Tue Oct 7 15:43:33 2008 I would try the court house first in the ..
Posted: Tue Oct 7 15:40:21 2008 I am inclined to ask the same question as ..
Posted: Tue Oct 7 15:33:38 2008 A simple ..
Posted: Tue Oct 7 15:32:55 2008 That is the general guideline, but there are ..
Posted: Mon Oct 6 15:26:15 2008 here is a link that might help ..
Posted: Mon Oct 6 15:23:26 2008 unfortunately for the daughter, the loan needs to ..
Posted: Mon Oct 6 15:21:52 2008 I would assume that you would hire an attorney to ..
Posted: Mon Oct 6 15:15:09 2008 I agree with george. Best thing to do is contact ..
Posted: Mon Oct 6 10:52:57 2008 You can quitclaim deed it, but that won't remove ..
Posted: Mon Oct 6 10:51:18 2008 Most builders put the landscaping into the ..
Posted: Mon Oct 6 10:49:02 2008 quit claim deed will remove ..
Posted: Mon Oct 6 10:48:20 2008 The bailout doesn't affect the underwriting ..
Posted: Mon Oct 6 10:46:10 2008 It is all about what you can afford. At a 6% ..
Posted: Mon Oct 6 10:42:59 2008 Need a little more on the scenerio. If you have ..
Posted: Mon Oct 6 10:40:30 2008 call you loss mitigation department and ask them ..
Posted: Mon Oct 6 10:30:32 2008 You would have had to sign the deed at the ..
Posted: Mon Oct 6 10:12:25 2008 ..
Posted: Sun Oct 5 21:18:32 2008 I don't really think that brokers can nessecarily ..
Posted: Fri Oct 3 13:47:59 2008 It simply means that the underwriter will have to ..
Posted: Fri Oct 3 13:43:44 2008 The House of Representatives has approved a $700 ..
Posted: Fri Oct 3 13:41:06 2008 for some reason I cannot reply to your private ..
Posted: Fri Oct 3 13:07:39 2008 Unfortunately your parents have to consent. The ..
Posted: Fri Oct 3 12:44:16 2008 I would get it all in writing. That way, you ..
Posted: Fri Oct 3 12:33:27 2008 Before they go and hire their own appraiser ..
Posted: Fri Oct 3 12:08:12 2008 I think that the two year rule applies to how ..
Posted: Thu Oct 2 21:31:48 2008 I just saw the may 2008 part, but the post was ..
Posted: Thu Oct 2 21:29:26 2008 Chris is right, no one should require a 2 year ..
Posted: Thu Oct 2 20:00:31 2008 Brian is right. Contact the loss mitigation dept ..
Posted: Thu Oct 2 19:55:32 2008 I agree with Brian and George. Sometimes a lender ..
Posted: Thu Oct 2 19:52:05 2008 If you aren't sure, then see if you can enter ..
Posted: Thu Oct 2 19:47:31 2008 This is a question for an attorney, which your ..
Posted: Thu Oct 2 19:42:43 2008 Try to contact a lender about an FHA mortgage. ..
Posted: Thu Oct 2 19:38:06 2008 the above was from ..
Posted: Thu Oct 2 16:29:05 2008 Brian, since I have spoken with George, I have ..
Posted: Thu Oct 2 16:22:11 2008 You just need to explain your situation and ask ..
Posted: Thu Oct 2 16:06:18 2008 you can work out a short sale with your ..
Posted: Thu Oct 2 16:05:35 2008 The following title company handled my Aunts ..
Posted: Thu Oct 2 16:00:03 2008 First of all, when is your mortgage set to ..
Posted: Thu Oct 2 15:57:47 2008 it depends on your mortgage lein holder and how ..
Posted: Thu Oct 2 15:45:28 2008 what state are you ..
Posted: Thu Oct 2 14:56:08 2008 RE:just got off the phone. The attorney said ..
Posted: Thu Oct 2 14:54:07 2008 I would call the attorney who handled the deed ..
Posted: Thu Oct 2 14:06:43 2008 Just call the title company used to create the ..
Posted: Thu Oct 2 14:05:34 2008 no, one property is different than the other. In ..
Posted: Thu Oct 2 13:56:51 2008 Here is the timeline according to Fannie ..
Posted: Thu Oct 2 13:51:56 2008 I agree with George, the short sale is a better ..
Posted: Thu Oct 2 13:38:09 2008 You can refinance anytime. The question is ..
Posted: Thu Oct 2 13:32:10 2008 APR is a measurement of the full cost of a loan ..
Posted: Thu Oct 2 13:28:59 2008 George is correct about the value. I missed that. ..
Posted: Thu Oct 2 13:25:25 2008 I decided to check with our attorney to find out. ..
Posted: Thu Oct 2 12:17:58 2008 I did check this out with an attorney and ..
Posted: Thu Oct 2 12:14:02 2008 she cannot remove you from the deed without your ..
Posted: Thu Oct 2 12:11:42 2008 the way it is read now, I believe that the other ..
Posted: Thu Oct 2 12:02:04 2008 I just proposed this to our branch Manager, as ..
Posted: Thu Oct 2 11:58:22 2008 yes, but I contacted our attorney to confirm. So ..
Posted: Thu Oct 2 11:55:43 2008 I know our company wouldn't allow the loan to go ..
Posted: Thu Oct 2 11:46:11 2008 when you say manufactored home, do you mean a ..
Posted: Thu Oct 2 11:43:29 2008 I believe all signatures need to be original and ..
Posted: Thu Oct 2 11:42:29 2008 it does say you need to furnish a copy of the ..
Posted: Thu Oct 2 11:40:30 2008 I get frustrated with the approach lately. I have ..
Posted: Thu Oct 2 11:33:29 2008 The Credit Score Notice is a required document. ..
Posted: Thu Oct 2 11:24:17 2008 Unfortunatley a shortsale does not stop the bank ..
Posted: Thu Oct 2 11:19:21 2008 I just sent something in to the The Gazette. Our ..
Posted: Thu Oct 2 10:11:04 2008 Real Estate Settlement Procedures Act For ..
Posted: Thu Oct 2 9:55:01 2008 Just got off the phone with the attorney. You can ..
Posted: Thu Oct 2 9:51:23 2008 With having money to put down, I would consider ..
Posted: Thu Oct 2 9:03:53 2008 We all knew that Wachovia was in dire straights ..
Posted: Thu Oct 2 8:31:55 2008 wikapedia states the following: ..
Posted: Thu Oct 2 8:20:41 2008 I will get back to you after 9 when they open ..
Posted: Wed Oct 1 20:22:01 2008 You can find a better deal. You should go ..
Posted: Wed Oct 1 20:10:10 2008 I agree with Banker. There are so many credit ..
Posted: Wed Oct 1 20:06:26 2008 All banks have an investigation department. If ..
Posted: Wed Oct 1 20:01:20 2008 Go ahead and contact a lender for pre-approval. ..
Posted: Wed Oct 1 19:57:11 2008 Under FHA they don't require you to pay off ..
Posted: Wed Oct 1 19:49:03 2008 couldn't this service take up to 3-4 years for ..
Posted: Wed Oct 1 19:43:16 2008 I believe the judgement should not be against the ..
Posted: Wed Oct 1 19:38:30 2008 There is no real way to know the specifics of the ..
Posted: Wed Oct 1 19:31:26 2008 I know a lender at wells, I would call them. ..
Posted: Wed Oct 1 19:18:27 2008 I think with loan point you would have to contact ..
Posted: Wed Oct 1 19:12:37 2008 The title attorney that you are using should be ..
Posted: Wed Oct 1 15:47:19 2008 What this lender is telling you to do is fraud. ..
Posted: Wed Oct 1 15:41:11 2008 can I ask why you have an interest rate that is ..
Posted: Wed Oct 1 15:37:06 2008 if you have already gotten the notice of ..
Posted: Wed Oct 1 15:27:26 2008 Our fees are Points ( if you choose to buy down ..
Posted: Wed Oct 1 15:14:42 2008 Both reposessions are going to count. With out ..
Posted: Wed Oct 1 13:29:45 2008 I recently attended a phone conference. There ..
Posted: Wed Oct 1 13:23:24 2008 if you have a car payment that you write off that ..
Posted: Wed Oct 1 13:18:33 2008 I meant email me through this forum. nothing ..
Posted: Wed Oct 1 13:17:47 2008 This is a nice forum. I have a blog where so ..
Posted: Wed Oct 1 13:16:09 2008 For some reason it isn't allowing me to edit my ..
Posted: Wed Oct 1 13:13:56 2008 Laura, your Debt to Income ratio is very high. ..
Posted: Wed Oct 1 13:09:15 2008 It is not unusual for a household that consists ..
Posted: Wed Oct 1 13:05:11 2008 From a lender's standpoint, there is generally no ..
Posted: Wed Oct 1 13:00:10 2008 I am not sure what you mean comply George. I ..
Posted: Wed Oct 1 12:12:10 2008 One key factor the poster forgot to ..
Posted: Wed Oct 1 12:08:25 2008 A warning to consumers looking to repair their ..
Posted: Wed Oct 1 11:54:45 2008 You have a decent credit score, but there are so ..

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Name: Elnora Little
From: Maryland
Occ.: Lender
Org.: First Home Mortgage Corporation

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