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Posts by eric1
Posting date	Subject
Posted: Fri Nov 20 11:14:11 2009	You need to speak with a loan officer...NOT a ..
Posted: Fri Nov 20 10:17:57 2009	Well it was not meant to be political, but since ..
Posted: Fri Nov 20 8:58:17 2009	Jerry I have to disagree with you. Owner ..
Posted: Fri Nov 20 8:44:48 2009	I have identified the problem. You received a ..
Posted: Fri Nov 20 8:35:42 2009	....Osama Made Me Do ..
Posted: Thu Nov 19 17:13:13 2009	I am sure you guys are happy that you have ..
Posted: Thu Nov 19 14:44:40 2009	Don't be surprised if it gets delayed. Ask for a ..
Posted: Thu Nov 19 11:17:07 2009	OK George, since you liked the last picture I ..
Posted: Wed Nov 18 14:28:12 2009	You can use the mortgage calculator here on this ..
Posted: Wed Nov 18 11:44:31 2009	Sounds good George...I will leave it up there for ..
Posted: Wed Nov 18 8:46:46 2009	This is in no way related to mortgages but I ..
Posted: Wed Nov 18 8:43:28 2009	I agree, you may be "stuck". However, ..
Posted: Wed Nov 18 8:34:16 2009	Thanks Sara, to add to your post... The actual ..
Posted: Tue Nov 17 8:21:28 2009	The escrow balance makes more sense. What happens ..
Posted: Mon Nov 16 12:43:41 2009	No, all loans are not assumable. That is ..
Posted: Mon Nov 16 8:45:58 2009	Rise, Yes there is a lot of financial ..
Posted: Mon Nov 16 8:29:48 2009	I think you could probably get even less than 5% ..
Posted: Mon Nov 16 8:26:03 2009	He should also look at his credit card balances. ..
Posted: Mon Nov 16 8:23:07 2009	Your husband can probably get a loan with the 610 ..
Posted: Mon Nov 16 8:19:44 2009	Brie, I think you are being fair by offering ..
Posted: Mon Nov 16 8:04:07 2009	Let me clarify something. She is looking for an ..
Posted: Mon Nov 16 8:01:30 2009	Given the choice between the two, a DIL would be ..
Posted: Sun Nov 15 17:05:43 2009	Your best bet is to contact a few qualified loan ..
Posted: Sun Nov 15 17:04:28 2009	You should definitely work on your credit first. ..
Posted: Fri Nov 13 12:02:19 2009	There are some recent changes to the first time ..
Posted: Fri Nov 13 11:43:43 2009	There is little chance that you can accomplish ..
Posted: Fri Nov 13 11:42:30 2009	My site is generating leads for me that I cannot ..
Posted: Fri Nov 13 11:40:45 2009	You already asked this in another thread. 8% is ..
Posted: Fri Nov 13 11:39:07 2009	Oh yeah, but you can bring a gun to the closing ..
Posted: Fri Nov 13 11:37:48 2009	No, the only way off is for her to refinance ..
Posted: Fri Nov 13 11:36:48 2009	If you are not on the mortgage and/or deed, then ..
Posted: Fri Nov 13 11:34:18 2009	When the bank lends money ($100k) to someone and ..
Posted: Fri Nov 13 11:30:03 2009	No 8% is not too high. In fact, I would charge ..
Posted: Thu Nov 12 11:25:39 2009	At this point, it does not look good for you. Try ..
Posted: Thu Nov 12 7:57:21 2009	If the tax lien is on the property, then when you ..
Posted: Tue Nov 10 21:30:45 2009	I dont know of any in MO ..
Posted: Mon Nov 9 18:14:38 2009	You do not need an appraisal to get a rate quote. ..
Posted: Sun Nov 8 20:52:35 2009	oh boy....why dont you call your loan officer We ..
Posted: Sun Nov 8 20:50:36 2009	You were doing ok until you mentioned only 10% ..
Posted: Sun Nov 8 20:49:18 2009	Any idea what your credit score is If it is above ..
Posted: Sun Nov 8 20:44:12 2009	Legally no unless the judge who is handling your ..
Posted: Sun Nov 8 20:42:37 2009	Your answer is here... ..
Posted: Fri Nov 6 18:16:11 2009	Without knowing what the remark is or what the ..
Posted: Fri Nov 6 18:15:05 2009	..
Posted: Fri Nov 6 14:18:13 2009	Guest The lender is NOT required to drop the ..
Posted: Fri Nov 6 13:11:36 2009	Like you said, they will probably foreclose. A ..
Posted: Fri Nov 6 13:01:37 2009	sia, please STOP posting fake scenarios. Nobody ..
Posted: Fri Nov 6 11:19:01 2009	Effective January 2010, a new RESPA rule will ..
Posted: Thu Nov 5 21:04:05 2009	There are plenty of lenders who will refinance ..
Posted: Thu Nov 5 20:58:40 2009	It is not a loan ..
Posted: Thu Nov 5 20:56:21 2009	Ken, are you trying to add her to the mortgage, ..
Posted: Thu Nov 5 20:54:32 2009	Please follow the link for your ..
Posted: Thu Nov 5 20:51:49 2009	Please follow the link for your ..
Posted: Wed Nov 4 0:02:12 2009	Adam, you are not going to be able to cash out ..
Posted: Wed Nov 4 0:00:03 2009	I agree with John. If your wife is on the loan ..
Posted: Tue Nov 3 23:57:31 2009	Bad idea...very bad idea. The sale of your home ..
Posted: Sun Nov 1 20:24:31 2009	Please let us know what ..
Posted: Sun Nov 1 20:05:21 2009	it all depends upon how upside down you are. ..
Posted: Sun Nov 1 20:02:11 2009	opboatman Since your existing second loan was ..
Posted: Sun Nov 1 19:59:54 2009	Please see the other thread you started for an ..
Posted: Sun Nov 1 19:59:15 2009	The bank probably will not extend the loan for ..
Posted: Sun Nov 1 19:57:14 2009	No, owner occupied means you actually live ..
Posted: Sun Nov 1 19:56:03 2009	Do you have a question for ..
Posted: Thu Oct 29 18:46:36 2009	Everyone (mortgage professionals on this ..
Posted: Tue Oct 27 10:35:49 2009	mygame Yes there is such thing as a NINA loan. ..
Posted: Tue Oct 27 10:23:22 2009	Bottom line is that credit score is just ONE ..
Posted: Mon Oct 26 9:56:18 2009	Savior, based upon the second part of your ..
Posted: Fri Oct 23 0:53:46 2009	Shane I am finding that most of the people who ..
Posted: Fri Oct 23 0:44:22 2009	If your escrow balance has declined, then yes ..
Posted: Fri Oct 23 0:41:13 2009	Yes over 30 years at a rate of 6%, you would pay ..
Posted: Mon Oct 19 14:03:29 2009	I believe the Fannie Mae DU Refi Plus does allow ..
Posted: Mon Oct 19 13:58:51 2009	So far, I have no complaints. I locked a loan ..
Posted: Mon Oct 19 13:54:23 2009	It sounds like she submitted all of her docs to ..
Posted: Mon Oct 19 13:37:06 2009	Well yes it seems that the appraisal should have ..
Posted: Sun Oct 18 20:25:47 2009	Yeah, the problem is that there is a lien on the ..
Posted: Fri Oct 16 19:50:07 2009	I know of a lender in Florida that will do a ..
Posted: Fri Oct 16 19:41:01 2009	Go down to the town records room and look up the ..
Posted: Thu Oct 15 15:02:04 2009	Stated income loans and mortgages are still ..
Posted: Thu Oct 15 13:43:05 2009	$50k !! WOW...I will not even pretend to have a ..
Posted: Thu Oct 15 13:39:25 2009	That really all depends upon the guidelines that ..
Posted: Thu Oct 15 13:36:54 2009	Mike It really all depends on what is included ..
Posted: Thu Oct 15 12:23:21 2009	So, from what I see.... the lender you and I work ..
Posted: Thu Oct 15 12:16:54 2009	George, yeah.... it is crazy. So, since this is ..
Posted: Thu Oct 15 12:02:16 2009	You asked this question already. I answered your ..
Posted: Thu Oct 15 12:00:07 2009	Well, yes you would have no legal claim against ..
Posted: Wed Oct 14 19:39:56 2009	I think you can use one year's tax returns if you ..
Posted: Wed Oct 14 19:37:46 2009	Al You should just focus on improving your ..
Posted: Wed Oct 14 19:36:13 2009	John This Dolly person is posting fake ..
Posted: Wed Oct 14 19:26:26 2009	I am in contact with a lender in CA who will ..
Posted: Wed Oct 14 19:22:04 2009	How much would it cost to fix the foundation ..
Posted: Wed Oct 14 19:19:11 2009	I agree with John. The costs are probably rolled ..
Posted: Wed Oct 14 19:16:43 2009	You absolutely can. Just contact one of the ..
Posted: Wed Oct 14 19:00:26 2009	Have a lawyer draw up a contract that states she ..
Posted: Mon Oct 12 10:28:53 2009	Guest Every scenario is different so it is not ..
Posted: Mon Oct 12 10:23:35 2009	oh please...make the madness stop ..
Posted: Mon Oct 12 10:20:42 2009	Thanks George, now can you repeat that so my kids ..
Posted: Mon Oct 12 10:12:39 2009	It sounds like signing the deed over to them ..
Posted: Mon Oct 12 9:56:31 2009	Can you rent the home and cover your ..
Posted: Mon Oct 12 9:39:54 2009	Does it make a difference if there is already a ..
Posted: Mon Oct 12 9:38:04 2009	George, a little battle with insomnia I will ..
Posted: Mon Oct 12 9:31:12 2009	Savior, It soundsl like owner financing for ..
Posted: Mon Oct 12 9:29:25 2009	Mary Your scenario is very difficult to ..
Posted: Sun Oct 11 19:59:52 2009	Your qualifying rate is the rate that is used to ..
Posted: Sun Oct 11 19:51:27 2009	Jazzy That is a blanket statement that I do ..
Posted: Sun Oct 11 19:49:34 2009	There are regional or local lenders who will do ..
Posted: Sat Oct 10 15:40:15 2009	If he is on the current mortgage, then yes it ..
Posted: Sat Oct 10 11:49:23 2009	dollylee You cannot possibly be serious with ..
Posted: Sat Oct 10 11:48:03 2009	sharoofi You may find more answers that suit ..
Posted: Fri Oct 9 11:01:01 2009	I prefer this definition which is in the glossary ..
Posted: Fri Oct 9 10:34:05 2009	crappie If you have a good faith estimate ..
Posted: Fri Oct 9 10:28:56 2009	Leee Simple...you ..
Posted: Thu Oct 8 9:40:13 2009	I do not think you fully explained the program. ..
Posted: Thu Oct 8 8:31:09 2009	dleeling If the contract is based upon your ..
Posted: Thu Oct 8 8:16:55 2009	Guest Lenders WILL waive the two year ..
Posted: Thu Oct 8 8:12:59 2009	There ARE lenders who will work with you even if ..
Posted: Thu Oct 8 8:06:29 2009	Fewer lenders offer bridge loans these days. ..
Posted: Thu Oct 8 7:36:46 2009	Construction loan There is a good chance that ..
Posted: Thu Oct 8 7:32:08 2009	Please read the following post to find your ..
Posted: Thu Oct 8 7:29:29 2009	Please read this prior ..
Posted: Thu Oct 8 7:27:16 2009	Amber Sometimes the data on the report is a ..
Posted: Thu Oct 8 7:25:20 2009	marie In my opinion, I would stay away from ..
Posted: Thu Oct 8 7:20:54 2009	The bank holds the co-signer just as liable as ..
Posted: Wed Oct 7 19:52:16 2009	I do not necessarily agree with the 2% rule. ..
Posted: Wed Oct 7 19:47:19 2009	Sign me up for that George ! Sometimes I feel ..
Posted: Wed Oct 7 19:45:37 2009	Let me throw something else into the mix ..
Posted: Wed Oct 7 19:40:21 2009	John I dont know about you, but I have had ..
Posted: Wed Oct 7 19:34:09 2009	Thank you George ! At least she forgot to add a ..
Posted: Wed Oct 7 19:23:47 2009	Yes, especially if you can get a rate close to ..
Posted: Wed Oct 7 19:22:32 2009	Yes it is legal. Hire an attorney to help protect ..
Posted: Wed Oct 7 12:58:24 2009	I will look for it and will get back to ..
Posted: Wed Oct 7 12:56:56 2009	Scuba, I am sure you CAN find a lender who ..
Posted: Fri Oct 2 8:20:05 2009	A couple of things... 1. Even if you get a ..
Posted: Thu Oct 1 13:09:57 2009	If you are selling the home that you are trying ..
Posted: Thu Oct 1 13:04:13 2009	Wow thanks...I refuse to be the 8th person to ..
Posted: Thu Oct 1 12:57:13 2009	What I want to know is why it took 14 posts here ..
Posted: Thu Oct 1 12:52:38 2009	I deleted those ..
Posted: Thu Oct 1 12:19:30 2009	If you have excess funds, you can also use it to ..
Posted: Wed Sep 30 21:16:10 2009	Do not stop paying your second mortgage. It will ..
Posted: Wed Sep 30 21:13:12 2009	That is correct. She has to qualify on her own. ..
Posted: Tue Sep 29 17:00:31 2009	If you are not legally divorced yet, then you do ..
Posted: Tue Sep 29 16:57:41 2009	Exactly....why would a NEW lender believe this ..
Posted: Tue Sep 29 12:37:23 2009	Here are the Mortgage documents needed when ..
Posted: Tue Sep 29 12:31:24 2009	Something to be mindful of is that many lenders ..
Posted: Tue Sep 29 12:30:24 2009	hems If you do a search on this site on ballon ..
Posted: Tue Sep 29 12:28:28 2009	Call a ..
Posted: Tue Sep 29 12:26:49 2009	Talk to your broker and see if you qualify for ..
Posted: Mon Sep 28 20:42:40 2009	I am not an expert in mobile home financing, but ..
Posted: Mon Sep 28 20:40:27 2009	You probably have an adjustable rate which is why ..
Posted: Mon Sep 28 20:34:46 2009	It depends on where you are. There are regional ..
Posted: Mon Sep 28 20:30:51 2009	How far under water or upside down are you If you ..
Posted: Mon Sep 28 20:27:46 2009	Your question was answered here... ..
Posted: Mon Sep 28 20:26:19 2009	That is easier than removing your name from a ..
Posted: Mon Sep 28 20:06:52 2009	Make your payments. Get a second or third job if ..
Posted: Wed Sep 23 15:49:44 2009	Yes, you can most likely refinance the primary ..
Posted: Wed Sep 23 15:39:42 2009	Kim "In other words buy with a view to ..
Posted: Wed Sep 23 15:36:49 2009	Kim Where do you get your information from I ..
Posted: Wed Sep 23 15:34:33 2009	Archie It would have been easier to look up ..
Posted: Wed Sep 23 15:32:07 2009	Home equity loans typically have a higher rate, ..
Posted: Wed Sep 23 15:25:22 2009	I think you are referring to a mortgage that has ..
Posted: Wed Sep 23 15:22:57 2009	Archie Speak to a qualified loan officer to ..
Posted: Wed Sep 23 15:18:06 2009	I agree with George. You should also consider how ..
Posted: Tue Sep 22 20:44:02 2009	Yeah I have more to add...I am ..
Posted: Tue Sep 22 20:42:34 2009	Ho I believe you and I spoke earlier. Your LTV ..
Posted: Tue Sep 22 20:30:47 2009	I think you can do a lot better than 5.3% on a 15 ..
Posted: Tue Sep 22 20:28:59 2009	That is what it sounds like to me too...cash out ..
Posted: Tue Sep 22 20:26:49 2009	Yes you can still get a loan however there are ..
Posted: Tue Sep 22 20:22:57 2009	Sure, just as long as you can qualify for the ..
Posted: Sat Sep 19 11:20:36 2009	Which is exactly why I do not even look at FHA ..
Posted: Sat Sep 19 11:16:20 2009	Catharin you CAN utilize seller contributions ..
Posted: Fri Sep 18 16:34:10 2009	I think Ross feels that if he creates enough ..
Posted: Fri Sep 18 16:22:13 2009	The assessment has nothing to do with the true ..
Posted: Wed Sep 16 20:00:39 2009	Need to know more. What is your loan balance and ..
Posted: Wed Sep 16 19:58:57 2009	Here is the Fannie Mae lookup tool... ..
Posted: Wed Sep 16 19:58:14 2009	If your current loan is with Fannie Mae, then you ..
Posted: Wed Sep 16 19:51:21 2009	I dont know why you guys are trying to jam FHA ..
Posted: Wed Sep 16 19:42:25 2009	You could move the deed over to an LLC but not ..
Posted: Wed Sep 16 19:36:38 2009	They just want proof that you are receiving the ..
Posted: Mon Sep 14 19:42:36 2009	joemac....yes as long as you meet the other ..
Posted: Mon Sep 14 19:35:29 2009	There are a lot of things you can do to raise ..
Posted: Mon Sep 14 19:27:25 2009	My fear is that a few ridiculous threads may ..
Posted: Mon Sep 14 19:00:36 2009	It is typically calculated based upon a 30 yr ..
Posted: Sat Sep 12 10:27:49 2009	yeah I will believe it when I see it. I get those ..
Posted: Sat Sep 12 10:25:35 2009	Your other option is a home equity loan. You will ..
Posted: Sat Sep 12 10:24:20 2009	Stoner be careful putting your phone number on ..
Posted: Sat Sep 12 10:22:52 2009	crzy I am going the other way on this. If ..
Posted: Sat Sep 12 10:20:32 2009	deb What is your current rate Your loan ..
Posted: Sat Sep 12 10:17:09 2009	They really do not need to ban those mortgages. ..
Posted: Sat Sep 12 10:13:06 2009	I was asked for one of those this week and still ..
Posted: Sat Sep 12 10:12:00 2009	Mark If they are looking to buy sometime next ..
Posted: Sat Sep 12 10:09:14 2009	Savior is correct in referencing the new program ..
Posted: Sat Sep 12 10:05:11 2009	In addition, it becomes much more difficult when ..
Posted: Sat Sep 12 9:56:23 2009	George is correct, there are virtually no lenders ..
Posted: Sat Sep 12 9:54:13 2009	Now I know why the people in the post office went ..
Posted: Sat Sep 12 9:53:19 2009	George, I need to talk to Sam and find out how we ..
Posted: Sat Sep 12 9:51:34 2009	OK since this thread has reached an all time high ..
Posted: Sat Sep 12 9:48:29 2009	Well said ..
Posted: Sat Sep 12 9:45:10 2009	Tenoirmystess You can expect to lose your ..
Posted: Sat Sep 12 9:43:03 2009	Ishaq, Refer to the following ..
Posted: Sat Sep 12 9:40:52 2009	Woophie Tell your neighbor that you will allow ..
Posted: Tue Sep 8 10:59:08 2009	Guest Start by contacting one of the qualified ..
Posted: Sun Sep 6 21:07:16 2009	Just keep working on your scores. Meanwhile, ..
Posted: Sun Sep 6 20:30:38 2009	ra your question was answered on your other ..
Posted: Sun Sep 6 20:29:35 2009	Guest, Please forgive me. I do not mean to be ..
Posted: Sun Sep 6 20:25:02 2009	Yes, please answer the questions that James ..
Posted: Sun Sep 6 20:23:43 2009	Cash it out indivudually. Choose whichever ..
Posted: Sun Sep 6 19:59:28 2009	"We thought we made arrangements with our ..
Posted: Sun Sep 6 19:58:26 2009	What kind of account are you talking ..
Posted: Sun Sep 6 19:57:06 2009	Rent it ..
Posted: Sun Sep 6 19:56:25 2009	No, adding a co-signer does not help a poor ..
Posted: Fri Sep 4 21:30:47 2009	No, this is not a problem. Legally it does not ..
Posted: Fri Sep 4 21:25:48 2009	There must be some type of documentation (with a ..
Posted: Fri Sep 4 21:22:03 2009	Just contact one of the qualified loan officers ..
Posted: Fri Sep 4 21:17:50 2009	You need to clarify your situation. Are you ..
Posted: Fri Sep 4 21:16:51 2009	If the loan is not assumable, then you cannot ..
Posted: Tue Sep 1 7:54:20 2009	Very true George. I have seen more than three ..
Posted: Tue Sep 1 7:51:08 2009	I agree. In addition, if you have no mortgage on ..
Posted: Sat Aug 29 20:25:10 2009	If you DONT want this to happen, then you need to ..
Posted: Sat Aug 29 11:53:59 2009	aprice You MAY be able to qualify for the DU ..
Posted: Fri Aug 28 15:56:46 2009	George is correct. In addition, you need to be ..
Posted: Fri Aug 28 15:54:48 2009	You will need a job or you must be self ..
Posted: Fri Aug 28 15:53:34 2009	Not sure who the best providers are. It is a ..
Posted: Thu Aug 27 22:15:58 2009	Yes, definitely ..
Posted: Thu Aug 27 21:09:47 2009	He COULD complete your application without those ..
Posted: Thu Aug 27 20:52:28 2009	George He may be buying into a franchise. They ..
Posted: Thu Aug 27 20:49:43 2009	In some instances yes. However, I am in NJ and I ..
Posted: Thu Aug 27 20:26:16 2009	A. Absolutely but I do NOT recommend using a ..
Posted: Thu Aug 27 20:24:23 2009	dum Many banks will require that condo's in a ..
Posted: Thu Aug 27 20:22:18 2009	If there is mortgage tax, then it is NY. The ..
Posted: Thu Aug 27 20:20:21 2009	Definitely ! In fact, you have quite a few ..
Posted: Thu Aug 27 20:19:33 2009	irish Many banks will not accept partial ..
Posted: Thu Aug 27 20:15:02 2009	Tami What happens with the house will be ..
Posted: Thu Aug 27 20:11:41 2009	jenkin There ARE a few lenders who do not use ..
Posted: Thu Aug 27 20:09:02 2009	George is right...just pay it ..
Posted: Thu Aug 27 20:08:14 2009	I do not believe that will work. Get an attorney ..
Posted: Thu Aug 27 20:06:50 2009	Your question was answered ..
Posted: Thu Aug 27 20:03:26 2009	Joy, NO it will not have an effect on the home ..
Posted: Thu Aug 27 20:01:49 2009	To add another point of view... Politicians ..
Posted: Sat Aug 22 16:21:15 2009	Two in 15 home loans were at least one payment ..
Posted: Fri Aug 21 21:07:50 2009	Two years is enough, however you have to prove it ..
Posted: Fri Aug 21 21:03:50 2009	You always want to pay down the loan with the ..
Posted: Fri Aug 21 21:02:13 2009	Dilip, please be advised that any video you put ..
Posted: Fri Aug 21 20:55:55 2009	A hard money lender is either a private person or ..
Posted: Fri Aug 21 20:52:27 2009	Rex I will personally finance that deal for ..
Posted: Sun Aug 16 21:01:44 2009	Yes...absolutely ..
Posted: Sun Aug 16 21:00:44 2009	Sure, if the bank is selling your home and you ..
Posted: Sun Aug 16 20:58:49 2009	Merry Are you trying to break records with the ..
Posted: Sun Aug 16 20:56:30 2009	NYC Dad, I answered your question on your other ..
Posted: Sun Aug 16 20:54:17 2009	NYC Dad, There are just a few lenders ..
Posted: Sun Aug 16 18:31:19 2009	Merry, like I said....they helped to create the ..
Posted: Sun Aug 16 16:17:35 2009	No....if you can barely make the payments now ..
Posted: Sun Aug 16 16:15:36 2009	Interesting....and thanks for the education. ..
Posted: Sat Aug 15 12:04:23 2009	I am wondering about "jingle mail" ..
Posted: Sat Aug 15 12:02:43 2009	Yes, I am sure...but why would you want to buy a ..
Posted: Sat Aug 15 11:58:26 2009	Guest, I listed those factors ..
Posted: Sat Aug 15 11:51:43 2009	Depending upon what the taxes are on both ..
Posted: Sat Aug 15 11:42:09 2009	mortgage ..
Posted: Sat Aug 15 11:39:56 2009	George, I already sent a private message to ..
Posted: Wed Aug 12 20:43:32 2009	I am sorry, you are too far underwater for that ..
Posted: Wed Aug 12 20:40:17 2009	Only if you can qualify with both incomes AND ..
Posted: Wed Aug 12 20:29:50 2009	I deleted ..
Posted: Wed Aug 12 20:27:19 2009	Lise A co-signer will not help with credit. ..
Posted: Wed Aug 12 20:21:29 2009	If your loan has been underwritten and the ..
Posted: Tue Aug 11 14:30:31 2009	I agree...do not make another move without an ..
Posted: Tue Aug 11 14:29:30 2009	If I decide to flip burgers for a living, do you ..
Posted: Tue Aug 11 14:27:45 2009	My suggestion is to subdivide the property to ..
Posted: Tue Aug 11 14:23:21 2009	Your question has been answered ..
Posted: Tue Aug 11 14:20:22 2009	How much would the home appraise for right now If ..
Posted: Tue Aug 11 14:17:48 2009	lexus You can be arrested for missing a court ..
Posted: Tue Aug 11 14:15:34 2009	Get a lawyer to sort it out for ..
Posted: Tue Aug 11 14:13:28 2009	See if you can get a letter from the landlord ..
Posted: Mon Aug 10 19:48:08 2009	Your only way out would be to pay it ..
Posted: Mon Aug 10 19:46:44 2009	You would need to get a second mortgage, home ..
Posted: Mon Aug 10 19:45:03 2009	My guess is the additional $400 was an ..
Posted: Mon Aug 10 19:43:24 2009	I would try and borrow from friends or relatives. ..
Posted: Mon Aug 10 19:41:28 2009	Jim I think realgeni suffers from dislexia. ..
Posted: Mon Aug 10 19:39:32 2009	It sounds like it worked ..
Posted: Mon Aug 10 19:25:20 2009	You will need to write a letter or have an ..
Posted: Mon Aug 10 19:15:33 2009	George, Someone is missing a ..
Posted: Mon Aug 10 19:09:32 2009	That is just ONE component. There are other ..
Posted: Mon Aug 10 7:07:30 2009	Niics is correct, it would require a court order. ..
Posted: Sun Aug 9 17:41:01 2009	Well...all things being equal (no points) your ..
Posted: Sun Aug 9 17:31:03 2009	They helped to create the sub prime loan ..
Posted: Sun Aug 9 17:28:32 2009	The bottom line.... There ARE costs associated ..
Posted: Sun Aug 9 17:24:07 2009	No...not if the maximum is ..
Posted: Sun Aug 9 17:22:51 2009	michell for that loan amount, I would go to a ..
Posted: Sun Aug 9 17:21:24 2009	apple I do not think you understood my post. I ..
Posted: Sun Aug 9 17:19:57 2009	You COULD convince the bank that this new home ..
Posted: Sun Aug 9 17:03:16 2009	If you are able to qualify for the new home while ..
Posted: Sun Aug 9 17:00:42 2009	Nobody will get into trouble if you refund the ..
Posted: Sun Aug 9 16:55:39 2009	No they ..
Posted: Sun Aug 9 16:55:06 2009	Didn't you submit this question ..
Posted: Sun Aug 9 16:53:18 2009	Stated income loans are still extremely popular ..
Posted: Sun Aug 9 16:49:13 2009	The risk is that you often do not get to see the ..
Posted: Fri Aug 7 9:29:07 2009	Your 401k is probably the least liquid of all ..
Posted: Fri Aug 7 8:56:26 2009	Some banks WILL waive the pre-pay penalty if you ..
Posted: Fri Aug 7 8:55:15 2009	kbkevin I disagree. There are smaller ..
Posted: Fri Aug 7 8:52:17 2009	It is never a good idea to draw from your ..
Posted: Fri Aug 7 8:50:32 2009	Additional clarification... You need a total ..
Posted: Fri Aug 7 8:46:21 2009	Realgeni Please let us know what your ..
Posted: Fri Aug 7 8:40:55 2009	Yes, there are banks that will work with ..
Posted: Thu Aug 6 20:11:13 2009	ha !! ok thanks and you are ..
Posted: Thu Aug 6 20:08:39 2009	No, it should NOT change anything, but I have ..
Posted: Thu Aug 6 19:56:07 2009	Your question has been answered ..
Posted: Thu Aug 6 19:55:06 2009	Thanks George. I keep posting the link to this ..
Posted: Thu Aug 6 19:53:27 2009	cuddles Do you want to sell the home to them ..
Posted: Thu Aug 6 19:50:00 2009	No, I do not believe that exists at this ..
Posted: Thu Aug 6 19:41:57 2009	I dont think there is an official list. Look in ..
Posted: Thu Aug 6 19:40:45 2009	I do not believe that is true. I also do not ..
Posted: Thu Aug 6 19:38:06 2009	Yes the banks will consider that property an ..
Posted: Wed Aug 5 23:28:35 2009	I was being quite serious and blunt. Time is of ..
Posted: Wed Aug 5 23:18:30 2009	Also...other real estate, automobiles, art, ..
Posted: Wed Aug 5 23:16:27 2009	Right....IF you ..
Posted: Wed Aug 5 23:15:28 2009	There are a few lenders that will work with ..
Posted: Wed Aug 5 23:13:37 2009	You will need to qualify as if it was simply a ..
Posted: Wed Aug 5 23:10:49 2009	There are still a few lenders originating loans ..
Posted: Wed Aug 5 22:09:04 2009	You can request a rate quote from any of the ..
Posted: Mon Aug 3 20:45:14 2009	Thanks for the post George. There is something ..
Posted: Mon Aug 3 20:42:34 2009	Yes I would recommend calling a supervisor. ..
Posted: Mon Aug 3 20:37:48 2009	Sunday You will definitely have to pay those ..
Posted: Mon Aug 3 20:33:22 2009	Yes, maybe we were optimistic. However, when you ..
Posted: Mon Aug 3 20:27:44 2009	RBAR I know that banks look for verification ..
Posted: Mon Aug 3 20:25:28 2009	Please read the following post on how to remove a ..
Posted: Mon Aug 3 20:22:37 2009	You should also begin collecting the appropriate ..
Posted: Mon Aug 3 20:20:44 2009	I local bank may work with you. What state is the ..
Posted: Mon Aug 3 20:19:52 2009	They will only go after whoever is on the deed. ..
Posted: Mon Aug 3 20:14:54 2009	You must have equity to refinance. Also, if she ..
Posted: Mon Aug 3 20:11:55 2009	LOL !! good one...and I imagine that within days ..
Posted: Mon Aug 3 20:10:19 2009	It will most likely be different from county to ..
Posted: Mon Aug 3 20:07:35 2009	What did you get in writing if anything You ..
Posted: Mon Aug 3 20:04:43 2009	yes, your father can purchase the home as an ..
Posted: Sun Aug 2 21:07:14 2009	You can search the "helpful references" ..
Posted: Sun Aug 2 21:02:53 2009	You should probably start looking for someone to ..
Posted: Sun Aug 2 21:02:01 2009	I do not think you need a license, but you do ..
Posted: Sat Aug 1 9:36:30 2009	That NEVER happens George... ha ..
Posted: Sat Aug 1 9:35:12 2009	I am actually surprised that your bank allowed ..
Posted: Sat Aug 1 9:33:22 2009	griselda You bay be opening up a can of worms. ..
Posted: Sat Aug 1 9:30:48 2009	The only issue I see is your LTV ratio. Many ..
Posted: Sat Aug 1 9:25:15 2009	If that is the case, then it will all come down ..
Posted: Sat Aug 1 9:23:43 2009	I agree...find a new ..
Posted: Fri Jul 31 19:53:06 2009	How does your question pertain to ..
Posted: Fri Jul 31 8:45:12 2009	No it will not matter. The bank is licensed to ..
Posted: Fri Jul 31 8:36:38 2009	You really need to speak with an estate attorney. ..
Posted: Fri Jul 31 8:30:31 2009	Quit Claim Deed. Is there also a mortgage on the ..
Posted: Thu Jul 30 22:25:04 2009	David re-post them if necessary, however it ..
Posted: Thu Jul 30 21:54:10 2009	I agree... especially with the new guideline ..
Posted: Thu Jul 30 21:48:10 2009	Call the dept of banking in your state and file a ..
Posted: Thu Jul 30 21:43:31 2009	If you remove the "conv" portion of ..
Posted: Thu Jul 30 21:37:58 2009	Yes there are a couple of lenders who will work ..
Posted: Tue Jul 28 23:53:02 2009	I would suggest going to another lender who will ..
Posted: Tue Jul 28 23:51:36 2009	It sounds like you need a "stated ..
Posted: Tue Jul 28 23:47:41 2009	The answer will be different for each geographic ..
Posted: Tue Jul 28 23:43:44 2009	Just contact one of the qualified loan officers ..
Posted: Mon Jul 27 19:58:31 2009	I deleted his post. he is a ..
Posted: Mon Jul 27 19:55:03 2009	I am waiting to hear the answer also. ...should ..
Posted: Mon Jul 27 19:53:44 2009	You can probably shave at least two points off of ..
Posted: Thu Jul 23 14:45:02 2009	In addition, your appraisa may not be accepted if ..
Posted: Thu Jul 23 14:43:29 2009	Just search through the questions that have ..
Posted: Thu Jul 23 14:32:01 2009	Welcome to the ..
Posted: Thu Jul 23 14:31:07 2009	You must FIRST, get yourself on the deed. Then, ..
Posted: Wed Jul 22 21:27:49 2009	The bank will use the lower of the two amounts. ..
Posted: Tue Jul 21 20:28:04 2009	I have to agree with George. On a personal note, ..
Posted: Tue Jul 21 20:15:17 2009	Something that is important to note... You ..
Posted: Tue Jul 21 20:09:01 2009	Wow, Gary...thanks for the wonderful insight. Did ..
Posted: Tue Jul 21 20:04:13 2009	Hold on... If you are the only one on the ..
Posted: Mon Jul 20 19:47:16 2009	What state Patrice Also, are the properties owned ..
Posted: Mon Jul 20 19:46:07 2009	I am curious to know why you are not on the title ..
Posted: Mon Jul 20 19:34:47 2009	For additional clarification... SISA (Stated ..
Posted: Mon Jul 20 19:30:54 2009	Six to twelve months depending upon the ..
Posted: Mon Jul 20 19:20:20 2009	Sure, it is possible. However, the bank may ..
Posted: Mon Jul 20 19:19:15 2009	There is nothing you can do. They are not ..
Posted: Mon Jul 20 19:16:27 2009	You should aim for a minimum of 620. However, if ..
Posted: Mon Jul 20 19:15:19 2009	You will most likely need to keep his name off of ..
Posted: Mon Jul 20 19:12:58 2009	You will have to check with your lender to see if ..
Posted: Fri Jul 17 16:55:46 2009	Should not be a problem as long as you can ..
Posted: Thu Jul 16 11:21:11 2009	A pefect example of what I am talking about is ..
Posted: Thu Jul 16 10:51:33 2009	Guys, I think that I may have identified the ..
Posted: Wed Jul 15 19:18:59 2009	Guest, in addition....your current loan cannot ..
Posted: Wed Jul 15 19:06:49 2009	No, PMI is not a legitimate tax ..
Posted: Wed Jul 15 19:04:57 2009	Just chime in when your expertise is appropriate. ..
Posted: Wed Jul 15 19:03:57 2009	Oh yeah, the answers change. Instead of coming ..
Posted: Wed Jul 15 19:00:41 2009	Speak to an ..
Posted: Wed Jul 15 11:31:03 2009	Head is still ..
Posted: Wed Jul 15 11:28:42 2009	It sounds like you need to work with a different ..
Posted: Wed Jul 15 11:26:16 2009	Guest What rate did they lock you ..
Posted: Wed Jul 15 11:24:38 2009	Lee, If you qualify for the DU Refi Plus ..
Posted: Tue Jul 14 21:09:51 2009	Every lender will have some sort of seasoning ..
Posted: Tue Jul 14 21:04:17 2009	..
Posted: Mon Jul 13 20:16:40 2009	In summary, their initial purpose was to create ..
Posted: Mon Jul 13 20:09:58 2009	If you did not pay a lot in fees so far, then ..
Posted: Mon Jul 13 20:09:18 2009	air, to George's point...you should be able to ..
Posted: Mon Jul 13 20:06:16 2009	Sounds like they don't want your business. Did ..
Posted: Mon Jul 13 20:02:53 2009	You may want to consider switching to a new ..
Posted: Mon Jul 13 20:01:55 2009	Yes, that would be a good solution as long as you ..
Posted: Mon Jul 13 19:59:53 2009	Which bank Did you sign a rate lock agreement ..
Posted: Mon Jul 13 19:57:57 2009	jrc Does that appraised value sound right to ..
Posted: Mon Jul 13 19:50:56 2009	SIVA yes, but SIVA with super jumbo may be a ..
Posted: Mon Jul 13 19:43:42 2009	There is no way to add her without refinancing. ..
Posted: Sun Jul 12 20:38:13 2009	They are still available. There is a lender in ..
Posted: Sun Jul 12 20:35:50 2009	sabt You CAN get a no income, no asset loan in ..
Posted: Sun Jul 12 20:33:24 2009	I agree with George. I also have another way to ..
Posted: Sun Jul 12 20:26:50 2009	Monica, Unfortunately, this is not the forum ..
Posted: Sun Jul 12 20:23:33 2009	You can begin by contacting some of the qualified ..
Posted: Fri Jul 10 8:50:55 2009	jbabek Back out if this is not what you want. ..
Posted: Wed Jul 8 8:22:05 2009	There are some local banks that will work with a ..
Posted: Wed Jul 8 8:12:47 2009	It will depend upon the type of property and the ..
Posted: Tue Jul 7 23:02:27 2009	It all depends upon how low your score is. Any ..
Posted: Mon Jul 6 21:07:44 2009	Most banks will allow you to continue to make ..
Posted: Mon Jul 6 21:02:23 2009	Maria You should follow some of the simple ..
Posted: Mon Jul 6 20:56:12 2009	It will definitely have a negative ..
Posted: Mon Jul 6 20:54:42 2009	Your current lender is the only one who can ..
Posted: Mon Jul 6 20:53:42 2009	Forget the new car and get your mortgage in ..
Posted: Mon Jul 6 20:48:03 2009	Dan, Take a look at this post. ..
Posted: Mon Jul 6 20:42:40 2009	You are locked in. The bank or the broker will ..
Posted: Mon Jul 6 20:41:06 2009	Just refinance it. American Home Mortgage ..
Posted: Sun Jul 5 20:28:40 2009	It will have to be a local/regional bank. For ..
Posted: Sun Jul 5 20:26:45 2009	36.4% should not stand in your way. It is ..
Posted: Sun Jul 5 20:23:36 2009	There are lots of brokers/lenders right here on ..
Posted: Sun Jul 5 20:16:51 2009	It really depends upon your situation and the ..
Posted: Sun Jul 5 20:15:54 2009	You should really speak with a real estate ..
Posted: Sun Jul 5 20:14:29 2009	Thanks George ..
Posted: Sun Jul 5 20:12:51 2009	I don't think the increase in rates is any ..
Posted: Sun Jul 5 20:09:23 2009	You really need to work with someone to get your ..
Posted: Sun Jul 5 20:06:00 2009	I suggest that you call the bank and let them ..
Posted: Sun Jul 5 20:05:11 2009	Not sure we can help you with refinancing a time ..
Posted: Fri Jul 3 18:03:02 2009	You sure can just as long as you meet the other ..
Posted: Wed Jul 1 20:45:38 2009	Today, the Obama administration announced that it ..
Posted: Tue Jun 30 21:14:22 2009	Miller Jumbo rates are higher. However, you ..
Posted: Tue Jun 30 21:08:43 2009	There is a lot more that goes into your scenario. ..
Posted: Tue Jun 30 21:02:44 2009	Let's clarify this for you... If you receive a ..
Posted: Sat Jun 27 11:40:07 2009	Your question has been answered ..
Posted: Sat Jun 27 11:37:31 2009	Paul You should really speak with a real ..
Posted: Sat Jun 27 11:33:39 2009	I dont know George....you always seem to be ..
Posted: Sat Jun 27 11:30:02 2009	You should speak to a tax attorney or an ..
Posted: Sat Jun 27 11:28:17 2009	Your question was answered ..
Posted: Sat Jun 27 11:26:13 2009	Mo, There MAY BE a lender who will do this. ..
Posted: Sat Jun 27 11:05:06 2009	This is total BS and is a scam. Waiting for the ..
Posted: Mon Jun 22 19:04:57 2009	You MAY qualify. Call WaMu and see what they ..
Posted: Mon Jun 22 19:03:58 2009	This is exactly why I am in favor of natural ..
Posted: Mon Jun 22 19:00:31 2009	...and I swear he must have a twin brother who ..
Posted: Mon Jun 22 18:55:13 2009	Yes, you can refinance right now (if you meet the ..
Posted: Sun Jun 21 21:00:33 2009	llward You already have a rate of 5%. The loan ..
Posted: Sun Jun 21 20:55:41 2009	Your question was answered here... ..
Posted: Sun Jun 21 9:09:15 2009	Gina Unfortunately a co-borrower or co-signer ..
Posted: Sun Jun 21 9:05:20 2009	It can be from him. Make sure his letter states ..
Posted: Sun Jun 21 8:59:40 2009	gunz No, unemployed people cannot get a loan ..
Posted: Sat Jun 20 21:56:22 2009	Use this helpful checklist to assist you in ..
Posted: Sat Jun 20 16:27:38 2009	Yes you can...it happens every ..
Posted: Sat Jun 20 14:35:12 2009	Mark, If you qualify for the DU Refi Plus ..
Posted: Sat Jun 20 14:33:52 2009	Justina, It is not necessarily true that you ..
Posted: Sat Jun 20 14:28:54 2009	Welcome Jassica, The most important thing to ..
Posted: Sat Jun 20 14:23:26 2009	Equity in the homes will not matter. However, the ..
Posted: Sat Jun 20 14:21:45 2009	manoj, we actually prefer when you are NOT logged ..
Posted: Sat Jun 20 14:19:42 2009	Steve I will assume that you meant your ARM ..
Posted: Sat Jun 20 14:12:47 2009	Yes but you should speak to an estate attorney to ..
Posted: Sat Jun 20 14:10:59 2009	You cannot add and remove someone's name from a ..
Posted: Sat Jun 20 6:41:12 2009	With a very large down payment, you can still ..
Posted: Sat Jun 20 6:39:51 2009	Your question was answered here... ..
Posted: Thu Jun 18 20:50:43 2009	If you go back into your post and look in the ..
Posted: Thu Jun 18 20:49:10 2009	Sunil, Nobody has this many mortgage ..
Posted: Thu Jun 18 20:45:19 2009	Guidelines change every week and sometimes every ..
Posted: Thu Jun 18 20:43:42 2009	Why do you need a co-signer ..
Posted: Thu Jun 18 20:41:34 2009	How much is your home worth today and what is ..
Posted: Thu Jun 18 20:39:09 2009	Regardless as to whether you transfer the ..
Posted: Thu Jun 18 20:37:33 2009	Kate, the banks go with the lowest middle score. ..
Posted: Thu Jun 18 20:35:15 2009	Yes, having poor credit and a lot of debt would ..
Posted: Thu Jun 18 20:33:20 2009	No, having a mortgage is a debt...not an ..
Posted: Thu Jun 18 20:31:02 2009	90 days seems like a long time. Typically the new ..
Posted: Wed Jun 17 20:45:42 2009	Geni Exactly !! guys like that come and go ..
Posted: Wed Jun 17 20:42:36 2009	I just put your numbers into my spreadsheet. The ..
Posted: Wed Jun 17 20:34:38 2009	Yes they are still available but with regional ..
Posted: Wed Jun 17 6:47:59 2009	The house is not liquid. You can sell it and the ..
Posted: Tue Jun 16 23:44:26 2009	Brian In George's defense, the market has ..
Posted: Tue Jun 16 23:21:17 2009	Sunil, We can no longer take you seriously. ..
Posted: Tue Jun 16 22:44:29 2009	Sunil Honestly, you re-posted your scenario ..
Posted: Tue Jun 16 21:31:33 2009	I would be careful about paying anything to a ..
Posted: Tue Jun 16 21:22:51 2009	If the lender went out of business, then there is ..
Posted: Tue Jun 16 21:11:36 2009	The foreclosure has your wife named because she ..
Posted: Tue Jun 16 21:06:23 2009	If they did not send him a payment coupon book or ..
Posted: Tue Jun 16 21:00:13 2009	What kind of rate do you have right now I do not ..
Posted: Tue Jun 16 20:58:10 2009	Yes that is a good rate ..
Posted: Tue Jun 16 0:08:25 2009	Exec... You must have been answering some ..
Posted: Tue Jun 16 0:00:12 2009	There are quite a few qualified loan ..
Posted: Mon Jun 15 23:58:45 2009	George, I am fond of that one ..
Posted: Sun Jun 14 21:22:27 2009	If it is a purchase, then it does fall under the ..
Posted: Sun Jun 14 19:06:04 2009	Your best bet is to put less than 20% down and ..
Posted: Sun Jun 14 17:59:44 2009	executivemortgageadvisor Welcome to the forum. ..
Posted: Sun Jun 14 17:28:43 2009	You should really speak with an estate attorney ..
Posted: Sun Jun 14 15:45:45 2009	No, that would take him off of the deed. He would ..
Posted: Sun Jun 14 14:36:59 2009	See the following ..
Posted: Sun Jun 14 14:35:11 2009	There is no way to tell based upon your scenario. ..
Posted: Sun Jun 14 9:48:09 2009	Please read this ..
Posted: Sun Jun 14 9:46:24 2009	I believe your quesiton was answered ..
Posted: Sun Jun 14 9:40:53 2009	Sunil, First of all, your suggestion of a ..
Posted: Sun Jun 14 9:34:33 2009	It is definitely the wrong forum, however you ..
Posted: Sat Jun 13 21:27:28 2009	Is prostitution legal in your state Seriously, ..
Posted: Sat Jun 13 21:24:31 2009	Sunil, you keep asking the same questions day ..
Posted: Sat Jun 13 21:23:20 2009	There is a form called the rate lock agreement ..
Posted: Sat Jun 13 21:20:20 2009	Karin, get your attorney working on this right ..
Posted: Sat Jun 13 21:16:27 2009	That is asking a lot. Seems like a ..
Posted: Sat Jun 13 21:14:55 2009	It could take as long as a few ..
Posted: Sat Jun 13 21:14:20 2009	Borrowing from your 401k should not lower your ..
Posted: Sat Jun 13 6:40:07 2009	Mike I have to be honest with you.....walk ..
Posted: Sat Jun 13 6:32:09 2009	SFRenter What you really need is a ..
Posted: Sat Jun 13 6:26:28 2009	Welcome Sara. I see you have already posted a few ..
Posted: Sat Jun 13 6:24:52 2009	Thirty days is not a very long time. Also, was it ..
Posted: Sat Jun 13 6:22:41 2009	Yes you can....happens every ..
Posted: Fri Jun 12 23:04:06 2009	George Katie Clinton is posting all of those ..
Posted: Fri Jun 12 22:54:26 2009	Sunil, thanks for adding clarity.. ..
Posted: Fri Jun 12 22:50:33 2009	I agree with George that this is probably a good ..
Posted: Fri Jun 12 22:44:02 2009	George, I hope we are not speaking to the ..
Posted: Fri Jun 12 22:42:39 2009	Sell the ..
Posted: Fri Jun 12 22:41:23 2009	If you want to change your loan to a "cash ..
Posted: Fri Jun 12 22:32:13 2009	Your partner should get the mortgage solely and ..
Posted: Fri Jun 12 22:24:37 2009	Not really sure what your question ..
Posted: Fri Jun 12 22:22:13 2009	Carol, what is the home worth now as ..
Posted: Fri Jun 12 22:03:16 2009	In many instances, your lender would waive the ..
Posted: Thu Jun 11 23:14:29 2009	Brian...90 days come on ..
Posted: Thu Jun 11 22:52:03 2009	good chance...call a lawyer. It is not really a ..
Posted: Thu Jun 11 22:47:41 2009	I agree with Scott in that it would be nearly ..
Posted: Thu Jun 11 22:37:52 2009	Well, you should have been able to finance both ..
Posted: Thu Jun 11 22:29:52 2009	Yes this is legal. It happens a lot now. Lenders ..
Posted: Thu Jun 11 22:21:34 2009	It really all depends upon the lender and your ..
Posted: Thu Jun 11 22:19:08 2009	The 1003 is the mortgage application ..
Posted: Wed Jun 10 22:25:45 2009	Londar, they are all but gone now. However, there ..
Posted: Wed Jun 10 21:38:33 2009	Why would they reduce principal balances ..
Posted: Wed Jun 10 14:16:49 2009	You will probably need to have them sign the quit ..
Posted: Tue Jun 9 22:43:04 2009	Heraldo, it is NOT a good idea. Co-signing ..
Posted: Tue Jun 9 22:12:27 2009	The quit claim deed would essentially accomplish ..
Posted: Tue Jun 9 22:00:08 2009	He cannot hurt your credit if his name is on the ..
Posted: Mon Jun 8 22:25:29 2009	Dew, what rate are they offering you Are you ..
Posted: Mon Jun 8 22:22:26 2009	Get in front of the judge again. That will ..
Posted: Mon Jun 8 20:23:52 2009	Daniel, Your questions are very general and ..
Posted: Mon Jun 8 19:59:24 2009	I do not think any of you understand the point. ..
Posted: Mon Jun 8 19:18:30 2009	The quit claim simply changes who is referenced ..
Posted: Mon Jun 8 18:53:23 2009	kb There is the possibility that you could get ..
Posted: Mon Jun 8 12:32:32 2009	Have you been working with a loan officer That ..
Posted: Mon Jun 8 12:23:27 2009	Robert, I do not understand the question. Please ..
Posted: Mon Jun 8 8:19:08 2009	It is definitely legal. You can hire someone to ..
Posted: Mon Jun 8 8:14:53 2009	CW A few questions for you.. 1. How much is ..
Posted: Mon Jun 8 8:12:40 2009	Motown, you posted essentially the same question ..
Posted: Mon Jun 8 8:11:44 2009	Hard times, how much would a home like yours rent ..
Posted: Sun Jun 7 22:54:34 2009	Absolutely. You will pay off the loan much faster ..
Posted: Sun Jun 7 21:27:35 2009	You will have to sell it to her. If you are ..
Posted: Sun Jun 7 20:43:15 2009	I am not sure of the exact link. However, you can ..
Posted: Sun Jun 7 18:04:49 2009	What is your interest rate right ..
Posted: Sun Jun 7 18:02:53 2009	I think your interest rate is low. They will not ..
Posted: Sun Jun 7 12:33:31 2009	I suggest reading the specifics of the 401k ..
Posted: Sat Jun 6 21:56:19 2009	You may not know it. However, you can check the ..
Posted: Sat Jun 6 21:41:23 2009	You will probably lose the ..
Posted: Sat Jun 6 19:55:13 2009	Do your best to hang in there. See if either ..
Posted: Sat Jun 6 19:44:59 2009	Get an attorney to draw up a contract between the ..
Posted: Sat Jun 6 17:16:36 2009	There are some banks that will work with scores ..
Posted: Sat Jun 6 17:12:42 2009	Junay, yes you can as long as you can qualify on ..
Posted: Sat Jun 6 15:45:01 2009	No sunil, there isn't.....none that I know ..
Posted: Sat Jun 6 12:30:07 2009	There have been many posts on this topic so it ..
Posted: Sat Jun 6 11:48:25 2009	Yes, it happens every day. That is a good ..
Posted: Sat Jun 6 10:05:04 2009	You should contact the sheriff's office (or ..
Posted: Sat Jun 6 9:42:48 2009	I do not think they will find out about that ..
Posted: Fri Jun 5 19:56:23 2009	Be careful not to weigh your decisions based upon ..
Posted: Fri Jun 5 19:06:14 2009	The best thing for you to do is hire your own ..
Posted: Fri Jun 5 18:49:09 2009	It is difficult to follow you. How can a bank ..
Posted: Fri Jun 5 18:29:49 2009	Grouper, it really depends upon your total debt ..
Posted: Fri Jun 5 18:26:57 2009	I have to agree with George regarding what people ..
Posted: Fri Jun 5 18:23:13 2009	Just check with one of the lenders here on this ..
Posted: Fri Jun 5 14:14:25 2009	jgrichardson, The blended rate of 7.5% screams ..
Posted: Fri Jun 5 14:07:00 2009	Didn't you use an attorney during the transaction ..
Posted: Fri Jun 5 13:42:43 2009	Credit card company cannot foreclose on the home. ..
Posted: Fri Jun 5 13:41:01 2009	What is your interest rate now You can ..
Posted: Fri Jun 5 12:08:16 2009	Go to town hall and look up the records. It is ..
Posted: Fri Jun 5 12:07:23 2009	I am unaware of a bank that will offer a second ..
Posted: Fri Jun 5 12:05:47 2009	Hopefully you collected a security deposit up ..
Posted: Fri Jun 5 12:02:44 2009	The first thing you can do is make some mortgage ..
Posted: Fri Jun 5 12:00:51 2009	If you are saying that there is a federal tax ..
Posted: Fri Jun 5 11:57:10 2009	I believe that if you purchase the home on your ..
Posted: Thu Jun 4 18:33:25 2009	This should not be a problem as long as your ..
Posted: Wed Jun 3 20:59:13 2009	The best they can do is lower your interest rate ..
Posted: Wed Jun 3 20:56:30 2009	HE can qualify. To make this work, only your ..
Posted: Wed Jun 3 20:54:18 2009	Matthew, It is hard enough finding a stated ..
Posted: Wed Jun 3 20:44:16 2009	Scott, that is correct. It is not a deduction ..
Posted: Mon Jun 1 23:16:41 2009	Eleanor Who are you referring to Do you need ..
Posted: Mon Jun 1 23:13:06 2009	No, they cannot come after your primary ..
Posted: Mon Jun 1 23:12:23 2009	It all depends... If the debt is not paid and ..
Posted: Mon Jun 1 12:07:24 2009	Check with an estate attorney in your ..
Posted: Mon Jun 1 11:58:27 2009	Helga, There are two issues... 1. What ..
Posted: Mon Jun 1 11:45:59 2009	I deleted her post George...she has been spamming ..
Posted: Sat May 30 20:30:47 2009	I agree, most will not lend if the home is listed ..
Posted: Sat May 30 20:20:36 2009	Tamara, When they run your credit score, they ..
Posted: Sat May 30 19:46:21 2009	debwilt You definitely should wait until the ..
Posted: Fri May 29 22:38:27 2009	Yes you can call it off. Did you pay anything ..
Posted: Fri May 29 22:29:01 2009	Maybe 25 or 30% down with a stated income ..
Posted: Fri May 29 22:17:13 2009	Exactly....and if you are in California, I only ..
Posted: Fri May 29 22:15:52 2009	Jenny, I highly suggest that he is the only ..
Posted: Thu May 28 22:07:11 2009	Gabe, there are lenders who will allow up to 10 ..
Posted: Thu May 28 21:57:41 2009	No, you cannot use the score from one person and ..
Posted: Thu May 28 21:53:24 2009	You are probably in the driver's seat here ..
Posted: Thu May 28 21:37:21 2009	Matty It really does not matter. What matters ..
Posted: Thu May 28 21:28:50 2009	George, I think you are wasting your time ..
Posted: Thu May 28 21:08:12 2009	How much can you rent one of those $5k homes for ..
Posted: Thu May 28 20:58:34 2009	Carry There are two issues here... 1. In ..
Posted: Thu May 28 20:54:29 2009	You will need to check the guidelines for your ..
Posted: Thu May 28 20:53:26 2009	It sounds like you should get in front of the ..
Posted: Tue May 26 22:47:26 2009	Rely Those costs are not outrageous. In fact, ..
Posted: Tue May 26 22:40:44 2009	George's suggestion to downsize makes the most ..
Posted: Tue May 26 22:19:28 2009	What is your question Are you asking what ..
Posted: Tue May 26 22:17:04 2009	Terri, Absolutely. Let me know if you need an ..
Posted: Tue May 26 22:09:46 2009	James, I think she needs to purchase the ..
Posted: Mon May 25 15:19:33 2009	Matt The best scenario for you would be to ..
Posted: Mon May 25 14:57:06 2009	Not sure what you are trying to accomplish. Are ..
Posted: Mon May 25 14:52:36 2009	You are in good shape. Would love to know more ..
Posted: Mon May 25 14:50:44 2009	ryno, There MAY be a lender who would make ..
Posted: Mon May 25 14:47:26 2009	Have an attorney draw up a contract between the ..
Posted: Mon May 25 14:45:23 2009	Did you hire an attorney to handle this purchase ..
Posted: Mon May 25 14:42:00 2009	Not sure what you mean by "overhead ..
Posted: Mon May 25 14:34:37 2009	If she is walking away from the payments, then I ..
Posted: Mon May 25 14:31:54 2009	You can sell the home but the proceeds will be ..
Posted: Sun May 24 21:12:06 2009	If your loan is currently with Fannie Mae, then ..
Posted: Sun May 24 21:06:29 2009	Please be more ..
Posted: Sun May 24 21:05:28 2009	You can typically get an extension on the ..
Posted: Sun May 24 21:02:41 2009	You are right...you need a lawyer at this ..
Posted: Sun May 24 20:55:37 2009	1. Sure there were people who predicted the ..
Posted: Sun May 24 20:44:41 2009	Mrs M, this is a stretch for Mike. He has only ..
Posted: Sun May 24 20:38:57 2009	Depending upon the scenario, you MAY qualify for ..
Posted: Sun May 24 20:37:19 2009	Honestly, it may be better to rent for at least ..
Posted: Sun May 24 20:33:41 2009	These are questions that should be directed ..
Posted: Sun May 24 20:25:35 2009	You would have to make the owner an offer. ..
Posted: Sat May 23 20:56:04 2009	I agree with George. Find someone else. There are ..
Posted: Sat May 23 20:51:03 2009	I happen to like both Almond Joy and Mounds ..
Posted: Sat May 23 20:50:06 2009	You can refinance if there is enough equity to ..
Posted: Sat May 23 20:45:49 2009	I suggest that you continue to make your payments ..
Posted: Sat May 23 20:39:09 2009	Please visit the mortgage guide here on this ..
Posted: Sat May 23 20:38:11 2009	I think that is a fine idea. Keep saving your ..
Posted: Sat May 23 20:34:59 2009	In addition, your down payment requirements will ..
Posted: Thu May 21 21:15:06 2009	30% LTV That is unbelievable. Where are you ..
Posted: Thu May 21 21:13:19 2009	That Fannie product is called DU Refi Plus. It ..
Posted: Thu May 21 21:00:11 2009	That question is one you should pose to your ..
Posted: Thu May 21 20:50:44 2009	Wow...George must be starting his long weekend ..
Posted: Thu May 21 20:49:07 2009	With certain banks, I have seen pricing ..
Posted: Wed May 20 21:08:51 2009	The law here is all based upon what the divorce ..
Posted: Wed May 20 21:06:13 2009	This is a common theme. Too many people co-sign ..
Posted: Wed May 20 20:52:50 2009	Your rate (5%) is still really good. So, if you ..
Posted: Wed May 20 20:50:25 2009	You can start by telling us what the value of ..
Posted: Sat May 16 23:18:20 2009	Tabitha yes I would do it if you can afford ..
Posted: Sat May 16 23:15:47 2009	Need more details. Do you have a good faith ..
Posted: Sat May 16 23:15:04 2009	You need to document the problem. Provide copies ..
Posted: Sat May 16 23:12:02 2009	No way of knowing what you qualify for without ..
Posted: Fri May 15 14:27:50 2009	Hmmmm well you are well under water. Are you able ..
Posted: Fri May 15 14:17:04 2009	Delia, I sent you a ..
Posted: Fri May 15 13:57:17 2009	What is the outstanding balance and what is the ..
Posted: Fri May 15 13:55:38 2009	There are some lenders who would be willing to go ..
Posted: Fri May 15 13:53:09 2009	This is really not the right forum for your ..
Posted: Fri May 15 13:51:34 2009	Joking of course ..
Posted: Fri May 15 13:47:54 2009	"loan officers falling all over each other ..
Posted: Fri May 15 13:40:37 2009	Woody, I agree. Too many stories about companies ..
Posted: Fri May 15 13:32:53 2009	The best bet is for you to deal with the lender ..
Posted: Thu May 14 15:10:12 2009	The deciding factor will be how long it will take ..
Posted: Thu May 14 12:29:22 2009	George, it seems to be very common with ..
Posted: Thu May 14 12:18:21 2009	whatever, can you qualify for a mortgage on your ..
Posted: Thu May 14 12:13:57 2009	You are referring to RESIDENTIAL vs ..
Posted: Thu May 14 12:03:22 2009	Ask the neighbor to produce a copy of the survey. ..
Posted: Thu May 14 12:00:52 2009	If you have $150k in cash, then I would consider ..
Posted: Thu May 14 11:56:08 2009	I know lenders who will finance a manufactured ..
Posted: Wed May 13 22:49:36 2009	It is possible, but more details will be required ..
Posted: Wed May 13 22:39:57 2009	Post ..
Posted: Wed May 13 22:31:08 2009	Did you tell them that you have savings I hope ..
Posted: Wed May 13 22:29:46 2009	...and I am (10%to the second power) sure that ..
Posted: Wed May 13 22:10:20 2009	It should have no impact unless you put up your ..
Posted: Wed May 13 22:09:23 2009	I am sitting here wondering how your closing ..
Posted: Wed May 13 21:21:52 2009	It sounds like you need to get in front of the ..
Posted: Wed May 13 21:16:09 2009	I think your best bet here is to find a place ..
Posted: Wed May 13 21:14:02 2009	First you need to find out from the lender ..
Posted: Tue May 12 23:10:44 2009	One day, I am going to copy these responses and ..
Posted: Tue May 12 23:08:13 2009	I think my popper just broke on that last ..
Posted: Tue May 12 22:54:39 2009	No, it is all or none. If you remove her all ..
Posted: Tue May 12 22:51:34 2009	George, good point.....the credit requirements ..
Posted: Tue May 12 22:48:56 2009	Under these conditions, it would make much more ..
Posted: Tue May 12 22:45:21 2009	Yes, there are a few lenders who will allow up to ..
Posted: Mon May 11 16:45:34 2009	They are just trying to cozy up to ..
Posted: Mon May 11 16:37:23 2009	I am entertained when I see some incoherent ..
Posted: Mon May 11 16:32:56 2009	Some banks are actually pricing their ARMs higher ..
Posted: Mon May 11 16:31:46 2009	Stephanie This still comes back to what many ..
Posted: Sat May 9 21:40:20 2009	Look into refinancing and combining both loans. ..
Posted: Sat May 9 21:37:33 2009	Some mortgage professionals here on the forum ..
Posted: Sat May 9 21:26:18 2009	There are a few other options in addition to ..
Posted: Sat May 9 21:13:14 2009	No, do not walk away. Keep making your ..
Posted: Sat May 9 21:03:17 2009	it is amazing how many people want to run away ..
Posted: Sat May 9 20:55:47 2009	No, they cannot come after your wife. What town ..
Posted: Sat May 9 20:54:44 2009	If you are paying the mortgage and continue to do ..
Posted: Sat May 9 20:49:38 2009	Absolutely.... If she can qualify for the ..
Posted: Sat May 9 20:46:26 2009	"advice that makes sense to ..
Posted: Sat May 9 20:42:41 2009	This is wonderful entertainment. I am going to ..
Posted: Sat May 9 20:38:30 2009	That is really a question for a tax professional. ..
Posted: Sat May 9 20:33:01 2009	Scott, there is also a program called the ..
Posted: Thu May 7 22:47:10 2009	Aside from tricking the bank...I hope you have a ..
Posted: Thu May 7 22:44:47 2009	Home Affordable Plan Mortgage NJ ..
Posted: Thu May 7 22:37:40 2009	George stop ..
Posted: Thu May 7 22:30:33 2009	Yes you CAN take his name off of the deed. You ..
Posted: Thu May 7 22:28:35 2009	I deleted his post George...that guy is a ..
Posted: Thu May 7 22:06:47 2009	eaivan Do you have retirement income We would ..
Posted: Thu May 7 21:58:11 2009	scarface, there are many lenders here on the site ..
Posted: Thu May 7 21:50:12 2009	You are correct, it means that the owners are ..
Posted: Thu May 7 21:40:34 2009	It is POSSIBLE that your kids would qualify for ..
Posted: Thu May 7 21:29:49 2009	You really need to convince the relative to sign ..
Posted: Thu May 7 21:25:44 2009	I think it is possible to find a lender who will ..
Posted: Thu May 7 21:22:41 2009	You MAY be able to refinance, cash out the money, ..
Posted: Thu May 7 21:20:04 2009	If the property transfers to you then you would ..
Posted: Thu May 7 21:04:24 2009	Not only that, but if you have outstanding ..
Posted: Thu May 7 21:01:41 2009	I believe this was answered on your OTHER ..
Posted: Thu May 7 20:57:36 2009	I believe it is an "all or none" ..
Posted: Thu May 7 20:54:02 2009	Call the bank and ask to speak with someone in ..
Posted: Tue May 5 22:46:58 2009	My suggestion would be to speak with a local ..
Posted: Mon May 4 22:01:23 2009	That should be no problem. Most lenders will do ..
Posted: Mon May 4 21:21:42 2009	Yes you should get a lawyer. Is your name on the ..
Posted: Mon May 4 21:20:15 2009	I have someone at Suntrust looking into that. ..
Posted: Mon May 4 21:07:33 2009	CG If he has not held up his end of the ..
Posted: Mon May 4 21:04:30 2009	Even if you were to find someone who will allow ..
Posted: Mon May 4 7:30:48 2009	I would definately consider renting the home. ..
Posted: Mon May 4 7:21:25 2009	Not only will you have to purchase mortgage ..
Posted: Mon May 4 7:16:36 2009	Laura You definately should have been working ..
Posted: Fri May 1 20:24:53 2009	At this point I would just wait until the end of ..
Posted: Fri May 1 19:49:45 2009	James, 110% Who is ..
Posted: Fri May 1 19:37:46 2009	I work with a lender in California who still ..
Posted: Fri May 1 19:34:39 2009	Many of the 40 yr programs have interest rates ..
Posted: Fri May 1 19:31:51 2009	I agree with George...I would not walk away after ..
Posted: Fri May 1 19:24:00 2009	Thanks George ..
Posted: Fri May 1 19:18:59 2009	It almost sounds like this home may be yours ..
Posted: Fri May 1 19:15:03 2009	It sounds to me like she was trying to sell her ..
Posted: Fri May 1 19:09:43 2009	I wrote a very complicated loan program in excel ..
Posted: Thu Apr 30 21:13:34 2009	Yes your husband can be the only person on the ..
Posted: Thu Apr 30 21:08:30 2009	What is your definition of bad credit Do you know ..
Posted: Thu Apr 30 21:01:26 2009	You MAY qualify but there are other ..
Posted: Thu Apr 30 20:46:53 2009	Joann, No, there is no chance you will get ..
Posted: Thu Apr 30 20:40:12 2009	If you buy the property and only you are on the ..
Posted: Wed Apr 29 21:13:58 2009	I agree, you should move onto a new loan officer. ..
Posted: Wed Apr 29 20:50:57 2009	Ryan I have never heard of marking people late ..
Posted: Wed Apr 29 20:46:46 2009	I have seen a couple of banks raise their credit ..
Posted: Wed Apr 29 20:40:29 2009	Scooter be careful. I do not like your APR being ..
Posted: Tue Apr 28 11:21:17 2009	cdloanmod I understand what you are saying, ..
Posted: Tue Apr 28 11:14:45 2009	For this program to truly be a success, FNMA ..
Posted: Tue Apr 28 11:03:36 2009	Keep posting and tell everyone you know about ..
Posted: Tue Apr 28 10:58:18 2009	In addition, you asked how the estate would be ..
Posted: Mon Apr 27 21:39:09 2009	Do you have a lease or do you rent month to ..
Posted: Mon Apr 27 15:25:25 2009	Pequi Please disregard that incoherent post. ..
Posted: Mon Apr 27 15:10:22 2009	DU Refi Plus will help but only of the loan to ..
Posted: Mon Apr 27 14:52:41 2009	I agree George, old posts do provide value. ..
Posted: Mon Apr 27 14:22:47 2009	It is called a construction lien. He should hire ..
Posted: Sun Apr 26 21:13:01 2009	Every bank will handle that differently. Some may ..
Posted: Sun Apr 26 20:21:57 2009	3wheeler, Make sure you have the right type ..
Posted: Sat Apr 25 23:55:22 2009	credit cards smoke Can you explain ..
Posted: Sat Apr 25 23:52:52 2009	I would like to buy something from ..
Posted: Sat Apr 25 23:20:08 2009	If you are able to make the payments, then your ..
Posted: Sat Apr 25 23:04:09 2009	Christine, let us know what those terms ..
Posted: Sat Apr 25 22:45:58 2009	pequi From what I have seen (others may have a ..
Posted: Sat Apr 25 22:39:19 2009	They all will want to see your FICO when applying ..
Posted: Sat Apr 25 22:34:42 2009	It seems like you do need another attorney. Find ..
Posted: Sat Apr 25 11:53:34 2009	It is tough to give sound advice without knowing ..
Posted: Sat Apr 25 11:43:35 2009	Jason Quite a few of us here on the forum can ..
Posted: Sat Apr 25 11:37:54 2009	Thanks everyone ! If granted permission to be ..
Posted: Fri Apr 24 21:57:22 2009	That is simply umbelievable. Posts like that ruin ..
Posted: Tue Apr 21 19:46:48 2009	I cannot believe the number of people spending up ..
Posted: Tue Apr 21 19:42:12 2009	God help us ..
Posted: Tue Apr 21 19:40:01 2009	Not if you can still make the payments. Why ..
Posted: Tue Apr 21 19:35:31 2009	Great advice George ..
Posted: Tue Apr 21 19:26:44 2009	Typically I would not mention the name of the ..
Posted: Tue Apr 21 19:24:07 2009	You should also be prepared to document (prove) ..
Posted: Tue Apr 21 19:22:00 2009	You should speak with an attorney who specializes ..
Posted: Tue Apr 21 19:18:26 2009	You need to hire an ..
Posted: Tue Apr 21 19:01:22 2009	Ashley, Thanks for detailing this for ..
Posted: Mon Apr 20 21:41:23 2009	There are some lenders which will allow only 6 ..
Posted: Mon Apr 20 21:34:42 2009	First of all, I definately recommend that you ..
Posted: Mon Apr 20 21:22:02 2009	Your mom should get an attorney to handle this ..
Posted: Mon Apr 20 21:20:21 2009	I have a feeling this is the same topic that was ..
Posted: Mon Apr 20 21:15:05 2009	Not a scam. They will most likely try to get you ..
Posted: Mon Apr 20 21:13:10 2009	Yes you did George. This is why there are ..
Posted: Mon Apr 20 20:51:18 2009	Yes you would have to wait until 2010. Did your ..
Posted: Mon Apr 20 20:49:52 2009	taw62 This loan should not be a problem. I ..
Posted: Mon Apr 20 20:44:46 2009	Holm, it can be handled either ..
Posted: Mon Apr 20 20:42:51 2009	It is attorney ..
Posted: Mon Apr 20 20:40:23 2009	I am going through my virtual rolodex too. Will ..
Posted: Mon Apr 20 20:37:20 2009	Make sure you get a good faith estimate. Cross ..
Posted: Mon Apr 20 20:32:57 2009	If you invite a co-borrower to the equation to ..
Posted: Mon Apr 20 20:29:12 2009	He is right in that it often is considered a cash ..
Posted: Mon Apr 20 20:27:19 2009	This is a mortgage site. Your best bet is to find ..
Posted: Sat Apr 18 22:53:13 2009	Jersey Doug I am in NJ and know of a couple of ..
Posted: Sat Apr 18 22:50:03 2009	Some additional info... Many banks are ..
Posted: Sat Apr 18 22:18:02 2009	Wow you have an interest only loan and still have ..
Posted: Sat Apr 18 22:10:53 2009	What matters is the HUD that you signed at ..
Posted: Sat Apr 18 22:04:02 2009	Your loan to value ratio is good and so are your ..
Posted: Sat Apr 18 21:59:23 2009	Beth, The note is a contract. It does not ..
Posted: Sat Apr 18 21:43:38 2009	Hey myezloanspammer.... If you bothered to ..
Posted: Sat Apr 18 21:12:35 2009	I am licensed in NJ and have originated a few ..
Posted: Sat Apr 18 21:04:00 2009	I agree with George on all points especially the ..
Posted: Sat Apr 18 20:51:58 2009	Once again, original question was long ago. How ..
Posted: Sat Apr 18 20:50:19 2009	I dont think we will hear from him. The original ..
Posted: Sat Apr 18 20:45:41 2009	George, a couple of months ago the guy sent me a ..
Posted: Wed Apr 15 22:35:17 2009	I have never heard of that. They check to see if ..
Posted: Wed Apr 15 22:08:53 2009	It looks like George was using a 45% debt to ..
Posted: Wed Apr 15 21:58:07 2009	Karla The initial details that I received on ..
Posted: Wed Apr 15 21:49:20 2009	George, I never really watch Bones and I am also ..
Posted: Wed Apr 15 21:31:49 2009	I think the seller is just unclear as to how this ..
Posted: Wed Apr 15 21:22:05 2009	Scott, I agree. I have been watching this for ..
Posted: Mon Apr 13 16:34:22 2009	So if I understand you correctly, the problem is ..
Posted: Mon Apr 13 16:10:02 2009	Yes this is standard. If you purchased the home ..
Posted: Mon Apr 13 16:07:50 2009	Sonya Read through all of the helpful ..
Posted: Mon Apr 13 16:03:59 2009	Well, since the question was posed here, I will ..
Posted: Mon Apr 13 15:59:47 2009	JT, pay off those medical bills and call your ..
Posted: Mon Apr 13 15:51:50 2009	See my response above.....no added benefit for ..
Posted: Thu Apr 2 21:01:56 2009	Cali, Something else you can do in addition to ..
Posted: Thu Apr 2 20:50:38 2009	I think he needs a ..
Posted: Thu Apr 2 20:47:19 2009	I must be on candid ..
Posted: Thu Apr 2 20:41:24 2009	I don't think we are in Kansas anymore ..
Posted: Thu Apr 2 20:39:08 2009	We really need someone to delete some of these ..
Posted: Thu Apr 2 20:35:05 2009	I think chtnggd is either heavily medicated or ..
Posted: Wed Apr 1 21:41:50 2009	Get an attorney to handle the transaction. He/she ..
Posted: Wed Apr 1 21:01:40 2009	Well, I can tell from his picture that he must ..
Posted: Wed Apr 1 20:48:45 2009	George, there is actually someone here posting ..
Posted: Wed Apr 1 20:43:01 2009	A key component will also be how long you plan to ..
Posted: Wed Apr 1 7:01:20 2009	D, You have a current mortgage on your home ..
Posted: Mon Mar 30 22:35:12 2009	I agree with George and would suggest you stay ..
Posted: Mon Mar 30 22:30:31 2009	In addition, I have a feeling that the ratios ..
Posted: Mon Mar 30 22:21:01 2009	I am glad I could entertain you George...I will ..
Posted: Mon Mar 30 22:11:21 2009	It sounds like you may need a stated income ..
Posted: Mon Mar 30 21:58:36 2009	I agree with all of the rip offs out there. ..
Posted: Sun Mar 29 11:06:30 2009	If the bank is selling a property, it is not ..
Posted: Sun Mar 29 10:53:17 2009	Read the fine print on your loan modification ..
Posted: Sun Mar 29 10:51:05 2009	Why are you desperate I do not see any ..
Posted: Sun Mar 29 10:48:25 2009	My suggestion to you would be to refinance your ..
Posted: Sun Mar 29 10:38:47 2009	I also agree...the fees are ..
Posted: Sun Mar 29 10:37:10 2009	My suggestion to you will not only help you in ..
Posted: Sun Mar 29 10:32:14 2009	ok let me make a suggestion... Don't buy right ..
Posted: Sun Mar 29 10:26:31 2009	Maybe I can bring some clarification to the ..
Posted: Sun Mar 29 10:22:30 2009	I went to a comedy club last night. In ..
Posted: Sun Mar 29 10:19:20 2009	Some banks allow only 6 months seasoning as ..
Posted: Sun Mar 29 10:16:40 2009	It is all figured into your qualifying ratios. ..
Posted: Sun Mar 29 10:11:57 2009	So you have the ability to pay the taxes but are ..
Posted: Sun Mar 29 10:09:27 2009	I do not believe you will ..
Posted: Sun Mar 29 10:02:24 2009	I can see escrows being higher since taxes often ..
Posted: Sun Mar 29 10:00:15 2009	ahhh right...sorry ..
Posted: Sun Mar 29 9:57:29 2009	I am still scratching my head chtnggd. You dont ..
Posted: Sun Mar 29 9:54:56 2009	George Not sure which is worse..... 1. Trying ..
Posted: Fri Mar 27 21:37:49 2009	I agree with George, the condotel is a serious ..
Posted: Fri Mar 27 21:32:49 2009	You should check with your accountant on that. On ..
Posted: Fri Mar 27 21:21:55 2009	You will need to verify a few things... 1. your ..
Posted: Fri Mar 27 21:09:59 2009	Ashley, he MAY qualify for the DU REFI PLUS ..
Posted: Fri Mar 27 20:51:46 2009	Lew, that sounds VERY HIGH. Speak to a few other ..
Posted: Fri Mar 27 20:50:15 2009	I agree, we need a lot more info before we can ..
Posted: Fri Mar 27 20:47:39 2009	Depending upon your scenario, you would be able ..
Posted: Mon Mar 23 20:47:08 2009	Most lenders will not modify the loan from an ARM ..
Posted: Mon Mar 23 20:43:09 2009	Kerry, if you qualify, then yes you ..
Posted: Sat Mar 21 20:37:13 2009	If you are able to make the payments, then why is ..
Posted: Sat Mar 21 20:35:25 2009	yes that IS a good plan. Just wondering ..
Posted: Sat Mar 21 20:33:37 2009	I really hope he answers you George....this will ..
Posted: Sat Mar 21 20:29:48 2009	you posted this question twice, your question was ..
Posted: Sat Mar 21 20:29:02 2009	deby...ABSOLUTELY ! Your credit score is a major ..
Posted: Sat Mar 21 20:26:39 2009	Send as much as you can each month. Your interest ..
Posted: Sat Mar 21 20:22:12 2009	What were you doing before you started work one ..
Posted: Sat Mar 21 20:21:14 2009	Honestly, I am NOT a fan of using a co-signer. ..
Posted: Sat Mar 21 20:16:43 2009	If you have a copy of the signed agreement, then ..
Posted: Sat Mar 21 20:10:07 2009	I have seen both scenarios. In some instances ..
Posted: Sat Mar 21 20:05:48 2009	Wow a little too much "joe" up there... ..
Posted: Sat Mar 21 20:00:49 2009	I do that at least once per week. I think that is ..
Posted: Sat Mar 21 19:56:04 2009	You should definately take out the second ..
Posted: Sat Mar 21 19:51:50 2009	Some attorneys will work for free initially and ..
Posted: Fri Mar 20 21:50:06 2009	You can search the Mortgage Guide here at ..
Posted: Fri Mar 20 21:45:38 2009	Need to know what your interest rate is before we ..
Posted: Fri Mar 20 21:44:20 2009	No, you would need to sign a document which means ..
Posted: Mon Mar 16 22:50:55 2009	Where are the properties ..
Posted: Mon Mar 16 22:42:25 2009	Each lender is different. You may have to wait as ..
Posted: Mon Mar 16 22:27:25 2009	I question whether Mortgage man can help himself ..
Posted: Mon Mar 16 21:04:28 2009	Foreclosure, ruined credit, etc ..
Posted: Mon Mar 16 21:02:53 2009	Guidelines are changing and you should be able to ..
Posted: Mon Mar 16 20:57:35 2009	You would have to add someone to the deed and ..
Posted: Mon Mar 16 20:51:50 2009	If he was unemployed due to his tour in ..
Posted: Mon Mar 16 20:48:20 2009	You need to see if you can get your bank to ..
Posted: Sat Mar 14 21:30:56 2009	I dont think it really matters. The property is ..
Posted: Sat Mar 14 21:24:22 2009	So that is it No other details What rate What is ..
Posted: Sat Mar 14 21:21:52 2009	If you can afford the payments, then keep making ..
Posted: Sat Mar 14 21:17:55 2009	You are not supposed to have three loans on your ..
Posted: Sat Mar 14 21:01:35 2009	It seems that you may make enough money to cover ..
Posted: Sat Mar 14 20:39:41 2009	I will also chime in and say "red ..
Posted: Sat Mar 14 20:31:45 2009	garyandjoy cannot refinance since they are upside ..
Posted: Sat Mar 14 20:25:46 2009	Would also need to know what your interest rate ..
Posted: Sat Mar 14 20:23:31 2009	I am seeing way to many posts from people who ..
Posted: Sat Mar 14 20:20:12 2009	Your first move would be to try to get your ..
Posted: Sat Mar 14 20:17:36 2009	I agree with Nathan on purchasing a modular as ..
Posted: Sat Mar 14 20:15:12 2009	I am not a fan of the bi-weekly plan. It FORCES ..
Posted: Sat Mar 14 20:06:02 2009	Although you are not happy with a 7% rate, the ..
Posted: Sat Mar 14 20:01:13 2009	You may be able to buy a place on your own, but ..
Posted: Sat Mar 14 19:57:56 2009	You should work with your lender to lower your ..
Posted: Sat Mar 14 19:55:13 2009	need more clarity. Is your spouse looking to get ..
Posted: Sat Mar 14 19:52:24 2009	There is no way to really know. You may be able ..
Posted: Mon Mar 9 21:05:41 2009	Let me ask you something..... What are you ..
Posted: Mon Mar 9 21:02:12 2009	Yes I am in NJ and there ARE both stated income ..
Posted: Mon Mar 9 20:57:42 2009	Basically, you negotiate NOW. That is a good rate ..
Posted: Mon Mar 9 20:53:33 2009	Incredible ..
Posted: Mon Mar 9 20:48:45 2009	If I understand you correctly, you got an ..
Posted: Mon Mar 9 20:43:21 2009	It is tough to say without knowing the seller's ..
Posted: Sun Mar 8 13:33:05 2009	You are in a unique situation. My guess if the ..
Posted: Sun Mar 8 13:29:16 2009	What are the interest rates on both mortgages My ..
Posted: Sun Mar 8 13:24:09 2009	I would ask your divorce attorney to get the ball ..
Posted: Sun Mar 8 13:22:27 2009	My suggestion would be to make your next payment ..
Posted: Sun Mar 8 13:21:07 2009	I agree. Many homeowners may qualify for a but ..
Posted: Fri Mar 6 18:55:03 2009	That all depends upon what your loan amount is ..
Posted: Fri Mar 6 18:45:55 2009	What CAN you afford to pay each month on that ..
Posted: Fri Mar 6 18:43:57 2009	You should speak with someone ASAP. If you are ..
Posted: Fri Mar 6 16:12:06 2009	Can you tell me the difference between your ..
Posted: Thu Mar 5 23:30:15 2009	Elnora I really need to learn more about ..
Posted: Thu Mar 5 23:27:47 2009	To chime back in...yes that is what I meant. ..
Posted: Thu Mar 5 23:21:49 2009	I would be more concerned with the fact that the ..
Posted: Thu Mar 5 23:17:35 2009	There are lots of changes coming over the next ..
Posted: Thu Mar 5 23:15:12 2009	I believe you are correct George. In the scenario ..
Posted: Thu Mar 5 23:10:56 2009	if you plan to own the property for longer than ..
Posted: Thu Mar 5 23:09:27 2009	Yes it ..
Posted: Thu Mar 5 23:08:25 2009	It is really about the length of time the ..
Posted: Thu Mar 5 23:04:20 2009	I am sure that any one of us on here would be ..
Posted: Wed Mar 4 19:58:48 2009	If you can find a 100% LTV cash out someplace, ..
Posted: Wed Mar 4 19:55:47 2009	Begin by speaking with a qualified loan officer. ..
Posted: Wed Mar 4 19:47:11 2009	A student from Nigeria huh I am ..
Posted: Wed Mar 4 19:43:26 2009	Before you do that, think about how much rent ..
Posted: Tue Mar 3 20:13:31 2009	I agree....was just funny ..
Posted: Tue Mar 3 20:10:48 2009	I would agree, look into refinancing. Even on an ..
Posted: Tue Mar 3 20:00:05 2009	It seems that the buzz phrase for 2009 has to be ..
Posted: Tue Mar 3 19:38:16 2009	It may be beneficial yes. However, your rate on a ..
Posted: Mon Mar 2 20:57:14 2009	Unfortunately many people do not recognize when ..
Posted: Mon Mar 2 20:54:14 2009	George, there is something about seeing you ..
Posted: Mon Mar 2 20:50:02 2009	I am going to assume that you want to be a loan ..
Posted: Mon Mar 2 20:45:07 2009	You can get a loan with a 645 score and it does ..
Posted: Mon Mar 2 20:44:03 2009	Your first step is to call the bank and detail ..
Posted: Mon Mar 2 20:41:26 2009	consult an attorney who specializes in estate ..
Posted: Sun Mar 1 19:03:35 2009	A seller can pay an appraiser to appraise his/her ..
Posted: Sun Mar 1 19:00:33 2009	You should also speak to a mortgage broker now to ..
Posted: Sun Mar 1 18:56:38 2009	The same answer I gave to someone else....call an ..
Posted: Sun Mar 1 18:55:27 2009	Get an attorney involved right ..
Posted: Sun Mar 1 18:53:50 2009	Most banks will not allow you to pay your ..
Posted: Sun Mar 1 18:52:00 2009	I think you may be able to qualify now. The ..
Posted: Sun Mar 1 18:50:39 2009	In your case, you should be fine just as long as ..
Posted: Sat Feb 28 19:53:12 2009	Cass I am interested in finding out what your ..
Posted: Sat Feb 28 19:48:46 2009	speaking of our "other friend"...when ..
Posted: Sat Feb 28 19:43:43 2009	There is always a lender out there especially at ..
Posted: Sat Feb 28 19:41:09 2009	There is an art to writing a loan modification ..
Posted: Sat Feb 28 19:36:06 2009	If you are working with a broker, then he/she may ..
Posted: Sat Feb 28 19:31:39 2009	To add to what George said, you are not even ..
Posted: Sat Feb 28 19:27:42 2009	John is correct, we would need to know WHERE the ..
Posted: Sat Feb 28 19:22:01 2009	It sounds like a good deal to me. Keep in mind, ..
Posted: Sat Feb 28 18:09:40 2009	Ask your son to show you the good faith estimate. ..
Posted: Sat Feb 28 18:07:12 2009	I have no idea what you are talking ..
Posted: Wed Feb 25 22:39:17 2009	I echo what George said and would also like to ..
Posted: Wed Feb 25 18:33:25 2009	You can contact the bank and ask for an ..
Posted: Wed Feb 25 18:29:38 2009	Ashley is correct. The two loans are considered ..
Posted: Wed Feb 25 18:28:10 2009	In addition, many banks will use the LESSER of ..
Posted: Wed Feb 25 18:24:59 2009	Yes he can....just as long as he can qualify on ..
Posted: Thu Feb 19 21:19:21 2009	I would try to rent the condo ..
Posted: Thu Feb 19 21:13:05 2009	I am in NJ, but just wondering why you ..
Posted: Thu Feb 19 21:08:37 2009	If all she has is the signed gift letter, then ..
Posted: Thu Feb 19 20:59:42 2009	How much can you rent the condo for Meanwhile, ..
Posted: Thu Feb 19 20:51:00 2009	The bank will not modify your loan unless they ..
Posted: Thu Feb 19 20:47:01 2009	Not sure what you are asking. Please only post ..
Posted: Thu Feb 19 20:44:22 2009	To answer the first post, yes rates are a bit ..
Posted: Wed Feb 18 21:21:30 2009	..
Posted: Wed Feb 18 21:06:10 2009	In addition to what Adonis said... When your ..
Posted: Wed Feb 18 21:00:00 2009	Lenders will know if you default intentionally. ..
Posted: Wed Feb 18 20:50:53 2009	unreal ..
Posted: Wed Feb 18 20:48:17 2009	It would be wise to find another job before you ..
Posted: Wed Feb 18 20:39:50 2009	From what I understand, they cannot touch your ..
Posted: Wed Feb 18 20:37:31 2009	I typed up a summary of the bailout plan on my ..
Posted: Wed Feb 18 20:29:55 2009	Yes you could essentially do that. However I ..
Posted: Wed Feb 18 20:27:27 2009	Call an attorney. You will have to spend some ..
Posted: Wed Feb 18 20:25:49 2009	If the home value is less than the loan balance, ..
Posted: Wed Feb 18 20:23:28 2009	Roxy If you went with no income verification, ..
Posted: Wed Feb 18 20:20:43 2009	The room mate can buy him out but his name will ..
Posted: Wed Feb 18 20:17:17 2009	You should be able to buy the home now as long as ..
Posted: Wed Feb 18 20:14:57 2009	Mr common name, I believe you need another ..
Posted: Wed Feb 18 20:11:03 2009	Timothy, I am sorry that you are in this ..
Posted: Tue Feb 17 23:05:32 2009	The banks are backed up right now so I am not ..
Posted: Tue Feb 17 23:02:49 2009	Getting a loan with that credit score is not ..
Posted: Mon Feb 16 9:51:26 2009	George, you are correct. We do work for ..
Posted: Mon Feb 16 9:48:47 2009	George is right, IF you find a no doc or ..
Posted: Mon Feb 16 9:44:01 2009	At this point your only option is to keep your ..
Posted: Sun Feb 15 19:55:11 2009	I guess I must be missing out on some potential ..
Posted: Sun Feb 15 19:51:33 2009	You cannot refinance unless you pay off the ..
Posted: Sun Feb 15 19:48:05 2009	It seems that your bank's guidelines have changed ..
Posted: Sun Feb 15 19:34:01 2009	George, thank you....I was going to say that ..
Posted: Sun Feb 15 19:22:36 2009	You will need to rent for a while. Get your ..
Posted: Sun Feb 15 19:21:08 2009	Definately call an ..
Posted: Sun Feb 15 19:20:08 2009	Your loan is probably not assumable. Tell your ..
Posted: Sun Feb 15 19:17:51 2009	Yes, you can add her to the deed ..
Posted: Sun Feb 15 19:15:53 2009	In this situation, I think the best bet is to ask ..
Posted: Sun Feb 15 19:13:38 2009	You are obviously self employed. Do you have a ..
Posted: Sun Feb 15 19:09:55 2009	A few months after you stop making ..
Posted: Sun Feb 15 19:08:07 2009	If you need to make this happen by next week, ..
Posted: Sun Feb 15 19:05:03 2009	You really need to speak to a loan officer/broker ..
Posted: Sun Feb 15 19:03:07 2009	This can be a refinance if his name will also be ..
Posted: Sun Feb 15 19:01:51 2009	You should see an accountant. Pay the fee...it ..
Posted: Sun Feb 15 19:00:43 2009	Ask yourself this question.... Can you make your ..
Posted: Fri Feb 13 21:00:07 2009	It depends upon your bank. Most are not doing ..
Posted: Fri Feb 13 20:58:20 2009	Closing costs are fees required to close your ..
Posted: Fri Feb 13 20:50:18 2009	No...700+ is no longer "as good as it ..
Posted: Fri Feb 13 20:46:44 2009	Despite what msnover said, there is not enough ..
Posted: Fri Feb 13 20:36:26 2009	Principal - Unless you have an interest only ..
Posted: Fri Feb 13 20:32:45 2009	Yes, you cannot get the PMI removed until you pay ..
Posted: Fri Feb 13 20:29:21 2009	1. I would document your "current ..
Posted: Fri Feb 13 20:22:21 2009	A few more questions and things to note... So ..
Posted: Fri Feb 13 20:16:50 2009	hmmm, It sure seemed like a full page ad to me ..
Posted: Fri Feb 13 19:53:35 2009	I would get a copy of the closing docs and take a ..
Posted: Fri Feb 13 19:52:00 2009	You and I spoke on the phone this week regarding ..
Posted: Fri Feb 13 19:47:01 2009	Ashley, Where can you finance an investment ..
Posted: Fri Feb 13 19:44:00 2009	The bottom line is this.... You are getting a ..
Posted: Fri Feb 13 19:39:44 2009	Just ask the attorney involved in the process. ..
Posted: Thu Feb 12 21:43:01 2009	George, you are a moderator....can't you delete ..
Posted: Thu Feb 12 21:22:51 2009	Yes we work with banks that will lend $4 million. ..
Posted: Thu Feb 12 21:16:58 2009	George is right. You can do a few things to ..
Posted: Thu Feb 12 21:15:02 2009	First, it is not a good idea to miss payments ..
Posted: Thu Feb 12 21:11:59 2009	Get an attorney. You need your name off of the ..
Posted: Thu Feb 12 21:10:47 2009	Check with one of the brokers on this site. You ..
Posted: Thu Feb 12 21:09:28 2009	Please let us know how it turns ..
Posted: Tue Feb 10 21:13:36 2009	geez now we have to delete Sanford ..
Posted: Tue Feb 10 21:10:21 2009	PJ said... "I would like to borrow ..
Posted: Tue Feb 10 20:57:12 2009	Pam, It sounds like you were going to just ..
Posted: Tue Feb 10 20:41:55 2009	Someone please de-activate mortgage_man's user ..
Posted: Tue Feb 10 20:39:08 2009	No it does not lower the loan amount unless the ..
Posted: Tue Feb 10 20:35:51 2009	Chuck, I will do what mortgage_man refuses to ..
Posted: Tue Feb 10 20:24:20 2009	msnover You still need the income to help ..
Posted: Tue Feb 10 20:13:12 2009	If you make good money then why didnt you make ..
Posted: Tue Feb 10 20:11:01 2009	They want the appraisal to see what the true ..
Posted: Tue Feb 10 20:05:28 2009	The main advantage you have in making an offer ..
Posted: Tue Feb 10 19:54:32 2009	I think I saw you ask this question before ..
Posted: Tue Feb 10 19:51:24 2009	Your PM only said that you sent me a message. I ..
Posted: Tue Feb 10 19:47:02 2009	If you really have no down payment money to ..
Posted: Tue Feb 10 19:43:29 2009	Yes, your credit will be negatively impacted. ..
Posted: Mon Feb 9 22:33:59 2009	The lender should have a gift letter that you can ..
Posted: Sat Feb 7 21:25:27 2009	Although you both do not have a 2 yr work ..
Posted: Sat Feb 7 21:17:33 2009	The question is not really whether we can get her ..
Posted: Sat Feb 7 21:11:01 2009	Your hesitation is valid. The last thing you want ..
Posted: Sat Feb 7 21:08:53 2009	If he gets placed in a home there is a 5 yr look ..
Posted: Sat Feb 7 21:06:51 2009	First of all, the mortgage needs to be one that ..
Posted: Fri Feb 6 21:58:24 2009	In my opinion, the $500 was some type of ..
Posted: Fri Feb 6 21:46:08 2009	The best chance you have to get a piece of this ..
Posted: Fri Feb 6 21:40:56 2009	This is very common and simple. She is going to ..
Posted: Fri Feb 6 21:36:35 2009	If you are selling your current residence, then ..
Posted: Fri Feb 6 21:34:40 2009	Maybe Texas is different, but I have never seen a ..
Posted: Fri Feb 6 21:26:02 2009	No experience with them on the loan mod, but ask ..
Posted: Thu Feb 5 19:49:04 2009	Cheryl, why dont you call the loan officer and ..
Posted: Thu Feb 5 19:46:34 2009	If you have the $8000 to spare and you would save ..
Posted: Thu Feb 5 19:44:15 2009	Richard, If you did not pay any fees to Wells ..
Posted: Thu Feb 5 19:33:55 2009	You should not be liable if the divorce papers ..
Posted: Thu Feb 5 19:30:51 2009	It really all depends upon what else you would be ..
Posted: Thu Feb 5 19:25:50 2009	Unless you are in danger of losing your home AND ..
Posted: Thu Feb 5 19:23:27 2009	I have seen it that high but I have also seen it ..
Posted: Thu Feb 5 19:20:45 2009	It should have no effect on your ability to get ..
Posted: Wed Feb 4 21:53:58 2009	drillboy, It sounds like you may be able to ..
Posted: Wed Feb 4 21:48:56 2009	To add to what George said... The bank is ..
Posted: Wed Feb 4 21:34:18 2009	My first inclination is to say don't sign it. ..
Posted: Wed Feb 4 21:26:12 2009	Look for a line item that is labeled ..
Posted: Wed Feb 4 21:21:38 2009	It is very important to educate yourself on all ..
Posted: Wed Feb 4 21:14:34 2009	The loan would have to be "assumable" ..
Posted: Wed Feb 4 21:06:42 2009	Jane, the co-signer is needed to bring additional ..
Posted: Wed Feb 4 21:00:54 2009	Your wife had a good reason for working part ..
Posted: Wed Feb 4 20:51:12 2009	Your scores are high enough to qualify depending ..
Posted: Wed Feb 4 20:47:11 2009	Call your bank directly and explain the ..
Posted: Wed Feb 4 20:44:46 2009	Sara is right, one of us would be happy to ..
Posted: Wed Feb 4 20:34:15 2009	That depends upon the terms and if you charge ..
Posted: Wed Feb 4 20:32:14 2009	What is the rate they are ..
Posted: Tue Feb 3 20:09:00 2009	To add to what Ashley said... You will have to ..
Posted: Mon Feb 2 17:05:56 2009	We would need more info such as your credit ..
Posted: Mon Feb 2 16:58:53 2009	You will most likely have to refinance as the ..
Posted: Mon Feb 2 16:56:54 2009	One other thing to mention is if the lender did ..
Posted: Mon Feb 2 16:51:38 2009	If you are in danger of being foreclosed upon, ..
Posted: Mon Feb 2 16:49:30 2009	Yes, call them and see what you can work ..
Posted: Mon Feb 2 16:48:40 2009	Mandy, you will not have the ability to buy the ..
Posted: Mon Feb 2 16:45:06 2009	You COULD qualify for a loan, but not a large ..
Posted: Mon Feb 2 16:29:01 2009	Do you have a copy of your credit report I am ..
Posted: Mon Feb 2 16:26:26 2009	It sounds like he can purchase the house for ..
Posted: Fri Jan 30 20:24:47 2009	Ellie, can you tell us what your current rate is ..
Posted: Fri Jan 30 20:19:47 2009	Do yourself a favor and really sit down and do ..
Posted: Fri Jan 30 20:15:52 2009	Moi, maybe another twist on your scenario. ..
Posted: Fri Jan 30 20:09:58 2009	I agree with George and one other point... If ..
Posted: Fri Jan 30 20:05:25 2009	Becky, it may not be impossible. It all depends ..
Posted: Fri Jan 30 19:59:29 2009	Angie, To add insult to injury, you signed a ..
Posted: Fri Jan 30 19:52:46 2009	Additional clarification... Banks foreclose on ..
Posted: Fri Jan 30 19:47:50 2009	She is wrong. The only way to get your name off ..
Posted: Fri Jan 30 19:45:09 2009	There are two ways to remove the PMI... 1. Pay ..
Posted: Fri Jan 30 19:39:00 2009	There are plenty of online sources. You can start ..
Posted: Fri Jan 30 19:37:02 2009	First, you will need to continue making on-time ..
Posted: Thu Jan 29 20:35:25 2009	Do not give up. Do whatever you can to prevent ..
Posted: Thu Jan 29 20:26:41 2009	I dont see any issues either. In addition, the ..
Posted: Thu Jan 29 20:21:10 2009	One more thing...your credit score will also have ..
Posted: Thu Jan 29 20:20:49 2009	The original post asked if there were no doc OR ..
Posted: Thu Jan 29 20:13:27 2009	If you paid "points" then they are ..
Posted: Thu Jan 29 20:07:38 2009	It may be that particular bank that has a problem ..
Posted: Thu Jan 29 20:05:05 2009	I would suggest that you speak to a broker as ..
Posted: Thu Jan 29 19:58:53 2009	The late pays will definately be a problem. You ..
Posted: Thu Jan 29 19:56:25 2009	I am not aware of any loan program that will ..
Posted: Thu Jan 29 19:54:13 2009	Yes it is a very good idea to put your name on ..
Posted: Thu Jan 29 19:51:17 2009	Typically you do not want your total combined ..
Posted: Thu Jan 29 19:48:22 2009	You duplicated your post. Was answered on your ..
Posted: Thu Jan 29 19:47:22 2009	It really depends upon the lender. There are some ..
Posted: Thu Jan 29 19:40:35 2009	Yes you need approval, other wise you would not ..
Posted: Thu Jan 29 19:39:24 2009	Laura, I am in NJ as well. If you have a ..
Posted: Wed Jan 28 23:13:57 2009	The post brings up a topic that I discuss with ..
Posted: Wed Jan 28 23:07:23 2009	Do you have down payment money for the new home ..
Posted: Sat Jan 24 10:02:01 2009	That's right, the 2% rule was an old rule of ..
Posted: Sat Jan 24 9:53:58 2009	It is hard to determine without seeing the entire ..
Posted: Sat Jan 24 9:50:21 2009	It sounds like you would split the equity after ..
Posted: Sat Jan 24 9:48:10 2009	I think you meant to post this on another ..
Posted: Sat Jan 24 9:45:08 2009	The silver lining in this whole thing is that ..
Posted: Sat Jan 24 9:40:48 2009	Ingrid, what is your current interest ..
Posted: Sat Jan 24 9:38:32 2009	One more thing that you should share with us is ..
Posted: Sat Jan 24 9:29:07 2009	You would have a shot at getting the loan with ..
Posted: Thu Jan 22 20:32:02 2009	Alot of effor put into writing that post. ..
Posted: Thu Jan 22 20:20:17 2009	You will find that rates are near an all time low ..
Posted: Thu Jan 22 20:16:44 2009	Sounds like he is just looking to get his loan ..
Posted: Thu Jan 22 20:11:01 2009	Getting her name off of the deed is easy but the ..
Posted: Thu Jan 22 20:09:26 2009	It all depends upon the underwriter. A good thing ..
Posted: Thu Jan 22 20:06:50 2009	I forgot to mention that you would need for him ..
Posted: Thu Jan 22 20:05:50 2009	Typically what would happen is if he bought you ..
Posted: Mon Jan 19 20:46:33 2009	Curious I will give you the same advice that I ..
Posted: Mon Jan 19 20:39:42 2009	A gift does not necessarily have an impact on ..
Posted: Mon Jan 19 20:22:57 2009	..
Posted: Mon Jan 19 18:05:25 2009	To add to what George is saying, I can say that ..
Posted: Mon Jan 19 17:54:45 2009	They will foreclose and that will be in your ..
Posted: Mon Jan 19 17:51:53 2009	Marsha I think if you check with most of us ..
Posted: Mon Jan 19 17:51:15 2009	George is right in that you will not be hurt be ..
Posted: Sat Jan 17 22:19:46 2009	Your best bet in this scenario would be to cash ..
Posted: Sat Jan 17 22:13:20 2009	lch yes you will have fees. If you want a ..
Posted: Sat Jan 17 22:09:24 2009	Something just does not seem right. I know values ..
Posted: Sat Jan 17 22:02:58 2009	Yes, the interest you pay on the HELOC should be ..
Posted: Sat Jan 17 21:52:30 2009	In addition to what George had mentioned, there ..
Posted: Sat Jan 17 21:33:59 2009	constantine, you are correct. Owner financing is ..
Posted: Sat Jan 17 21:31:25 2009	This really sounds like a question for an ..
Posted: Sat Jan 17 21:27:02 2009	I agree, ask someone if things do not seem right. ..
Posted: Sat Jan 17 21:22:23 2009	Mortgagequeen, If you are not an approved ..
Posted: Sat Jan 17 21:18:12 2009	No, they are not permitted to pay the bill late. ..
Posted: Sat Jan 17 21:14:01 2009	In general it is best to be face to face with the ..
Posted: Fri Jan 16 20:24:07 2009	Tell them you will need to hire an attorney to ..
Posted: Fri Jan 16 20:19:39 2009	I know of a couple of lenders who will do that ..
Posted: Fri Jan 16 20:16:09 2009	George, My other concern with the loan ..
Posted: Fri Jan 16 20:10:45 2009	There are a lot of factors. You should contact a ..
Posted: Fri Jan 16 20:06:59 2009	A few thoughts... 1. dont pay market ..
Posted: Fri Jan 16 20:03:18 2009	Yes, you can get a loan with what is called LPMI ..
Posted: Fri Jan 16 19:58:27 2009	Actually, $100 is reasonable. If you check with ..
Posted: Fri Jan 16 19:53:44 2009	That is for you to negotiate. It all depends upon ..
Posted: Wed Jan 14 21:42:41 2009	It sounds like you WOULDN'T be paying more ..
Posted: Wed Jan 14 21:37:38 2009	I have a lender that will do the deal on the ..
Posted: Tue Jan 13 20:45:37 2009	You definately have a case here. If you have the ..
Posted: Tue Jan 13 20:43:09 2009	Yes you do. The quit claim deed only transfers ..
Posted: Tue Jan 13 20:36:40 2009	I have two suggestions for you... 1. Call the ..
Posted: Tue Jan 13 20:33:43 2009	You need to let one of us have some basic ..
Posted: Tue Jan 13 20:30:11 2009	Jennifer, If you want someone to contact you ..
Posted: Tue Jan 13 20:23:27 2009	Michelle, My advice to you is to be up front ..
Posted: Tue Jan 13 20:20:15 2009	$1800 per year ..
Posted: Tue Jan 13 20:16:49 2009	Gladys, It is called a Deed-In-Lieu ... A ..
Posted: Fri Jan 9 21:49:27 2009	The prior statements are all true in that there ..
Posted: Fri Jan 9 21:32:37 2009	George is right, there are still some lenders who ..
Posted: Fri Jan 9 21:29:18 2009	I dont know how they can get you that rate. Be ..
Posted: Fri Jan 9 21:26:57 2009	You should just write up a rental agreement. That ..
Posted: Thu Jan 8 20:28:40 2009	Mo To add a little more detail to what has ..
Posted: Thu Jan 8 20:24:46 2009	Unfortunately, due to the issues referenced ..
Posted: Thu Jan 8 0:03:40 2009	Ben When they say there is no PMI and the LTV ..
Posted: Wed Jan 7 23:58:03 2009	One of the things you can do with your new ..
Posted: Wed Jan 7 23:55:13 2009	In reading through the various posts on this ..
Posted: Wed Jan 7 23:47:26 2009	Wow that was a loaded question. This is typically ..
Posted: Mon Jan 5 19:38:51 2009	Here are some other mistakes people make.. 1. ..
Posted: Mon Jan 5 19:29:14 2009	There are also a few banks that will lend 100% of ..
Posted: Sun Jan 4 21:04:42 2009	That is a question that I hear a lot and I see ..
Posted: Sun Jan 4 20:05:25 2009	Jimmy, Depending on your situation, you may ..
Posted: Sun Jan 4 19:58:16 2009	Are you saying that the loans are greater than ..
Posted: Sun Jan 4 19:51:30 2009	You may have to wait another three months because ..
Posted: Sun Jan 4 19:39:41 2009	This individual may simply be looking for an ..
Posted: Sun Jan 4 19:34:07 2009	That all depends upon what your total combined ..
Posted: Sun Jan 4 19:30:58 2009	First of all, George is correct in that you ..
Posted: Sun Jan 4 19:19:57 2009	If you have the ability to pay more each month ..
Posted: Sun Jan 4 19:08:45 2009	The bank will foreclose when you fall too far ..
Posted: Sun Jan 4 19:04:22 2009	One of them is called "Stated Income". ..

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