| Posts by evolovik26 |
| Posting date
| Subject
|
| Posted: Thu Aug 7 1:00:33 2008 |
Well begin by figuring out if you can afford a .. |
| Posted: Thu Aug 7 0:43:02 2008 |
If you are a cosigner on a mortgage you cannot be .. |
| Posted: Tue Jul 29 0:46:06 2008 |
call the lender and see if you can buy it from .. |
| Posted: Tue Jul 29 0:34:23 2008 |
talk to a real estate attorney
you need legal .. |
| Posted: Tue Jul 29 0:30:53 2008 |
If you got quitclaimed the property to you it .. |
| Posted: Tue Jul 29 0:22:27 2008 |
It is most likely will affect your Debt To Income .. |
| Posted: Tue Jul 29 0:19:35 2008 |
Get a couple of quotes from lenders you trust .. |
| Posted: Wed Jul 23 23:59:54 2008 |
thats me above sorry didn't log .. |
| Posted: Wed Jul 23 1:16:07 2008 |
You should not get a deficiency judgment this or .. |
| Posted: Wed Jul 23 1:12:09 2008 |
Did you get a 1099 Was it a public auction
How .. |
| Posted: Wed Jul 23 1:02:34 2008 |
when did the bk proceedings start
how long you .. |
| Posted: Wed Jul 23 0:56:20 2008 |
$ .. |
| Posted: Wed Jul 23 0:52:13 2008 |
something like this can be done through a .. |
| Posted: Tue Jul 22 1:37:34 2008 |
I am a moderator and I would ask kindly to keep .. |
| Posted: Tue Jul 22 1:29:02 2008 |
the most you can hope for is 80% if you go full .. |
| Posted: Tue Jul 22 1:26:39 2008 |
As soon as you sell you first home you can get .. |
| Posted: Tue Jul 22 1:24:30 2008 |
That would be correct the initial approval is .. |
| Posted: Tue Jul 22 1:14:46 2008 |
you need to be on the title (tenants in common) .. |
| Posted: Tue Jul 22 1:13:22 2008 |
talk to a lawyer quick
some women sure know how .. |
| Posted: Tue Jul 22 1:10:16 2008 |
No one can force you to sell the property however .. |
| Posted: Tue Jul 22 1:04:06 2008 |
If you refinanced the mortgage together he should .. |
| Posted: Tue Jul 22 1:02:02 2008 |
Thing is WAMU is in big time turmoil right now. .. |
| Posted: Tue Jul 22 0:59:13 2008 |
If you owe less then your house is worth try .. |
| Posted: Tue Jul 22 0:57:16 2008 |
Well I'll chime in.
Until your file has been .. |
| Posted: Tue Jul 22 0:41:00 2008 |
third option would be to go to a local title .. |
| Posted: Tue Jul 22 0:34:58 2008 |
Depending on the price of the home you looking to .. |
| Posted: Tue Jul 22 0:31:32 2008 |
talk to an attorney or paralegal, also a local .. |
| Posted: Tue Jul 22 0:29:43 2008 |
If you no longer want to have ownership rights t .. |
| Posted: Tue Jul 22 0:25:34 2008 |
One thing that you can do if you have the means .. |
| Posted: Thu Jul 17 10:09:07 2008 |
I would say that you can get a 30yr fixed at .. |
| Posted: Thu Jul 17 9:51:42 2008 |
It doesn't have to be certified mail it can be .. |
| Posted: Thu Jul 17 9:48:36 2008 |
get an .. |
| Posted: Thu Jul 17 9:45:41 2008 |
I'd have to agree partner up with a good loan .. |
| Posted: Thu Jul 17 9:28:06 2008 |
Why is your lender asking you to quitclaim the .. |
| Posted: Thu Jul 17 9:17:45 2008 |
Is it legal Probably. Even if it is not they can .. |
| Posted: Sun Jul 13 23:35:02 2008 |
Basically the foreign national programs end up .. |
| Posted: Sun Jul 13 23:31:56 2008 |
I would say if you have only 2 properties a .. |
| Posted: Sun Jul 13 23:28:15 2008 |
Well a loan against 401k would work since you .. |
| Posted: Sun Jul 13 23:25:08 2008 |
id suggest you contact WAMU escrow department to .. |
| Posted: Sun Jul 13 23:13:37 2008 |
Id have to agree since there is some time for you .. |
| Posted: Sun Jul 13 23:08:28 2008 |
Prime rate is at 5% currently so if your rate is .. |
| Posted: Fri Jul 11 12:49:49 2008 |
OK both guys that posted I think you misread the .. |
| Posted: Fri Jul 11 12:41:43 2008 |
If you only going to 70% LTV, full doc there .. |
| Posted: Fri Jul 11 12:38:12 2008 |
Well graduation from college typically wont .. |
| Posted: Fri Jul 11 12:35:08 2008 |
You can go for an FHA loan and get ready to get .. |
| Posted: Fri Jul 11 12:30:19 2008 |
please ask the question again
2 score .. |
| Posted: Fri Jul 11 12:28:15 2008 |
ok im not not sure on the question. You had a .. |
| Posted: Fri Jul 11 11:15:00 2008 |
Well if the house is in default it doesn't mean .. |
| Posted: Thu Jul 10 14:44:30 2008 |
Sometimes it makes sence to pay points but make .. |
| Posted: Thu Jul 10 14:36:51 2008 |
If you did a conventional or jumbo loan above 90% .. |
| Posted: Thu Jul 10 14:30:58 2008 |
Thouse types of programs are long gone its full .. |
| Posted: Thu Jul 10 14:27:45 2008 |
If your former husband is on the title of the .. |
| Posted: Thu Jul 10 14:21:44 2008 |
well if you sell within 6-12 mon it may be .. |
| Posted: Thu Jul 10 14:15:51 2008 |
3% can be a gift from relative and or nonprofit .. |
| Posted: Thu Jul 10 13:53:55 2008 |
yes some lenders will allow a second from the .. |
| Posted: Thu Jul 10 13:44:52 2008 |
I cant think of any lenders that offer daily auto .. |
| Posted: Wed May 28 9:43:11 2008 |
First with all the things you have mentioned you .. |
| Posted: Wed May 28 9:36:02 2008 |
If you put 10.1 % down on FHA loan there is no .. |
| Posted: Wed May 28 9:25:43 2008 |
You not supposed to use your home as your .. |
| Posted: Thu May 15 9:24:47 2008 |
You need to figure otu what you can afford, money .. |
| Posted: Thu May 15 9:16:21 2008 |
Most lenders that do FHA got swamped last month .. |
| Posted: Thu May 15 9:07:25 2008 |
It means you are getting a loan above 80% loan to .. |
| Posted: Thu May 15 9:05:27 2008 |
In your mortgage documents it says what is your .. |
| Posted: Thu May 15 8:59:10 2008 |
What is typically refered to as a First Time .. |
| Posted: Thu May 15 8:48:43 2008 |
Other parameters need to be considered besides .. |
| Posted: Thu May 15 8:43:42 2008 |
If you currently have enough income to pay for .. |
| Posted: Fri Apr 18 10:00:24 2008 |
If there were no other better comps in the area .. |
| Posted: Fri Apr 18 9:57:03 2008 |
Usually the cutoff for most mortgage lenders is .. |
| Posted: Fri Apr 18 9:52:19 2008 |
Usually if the property is being rented you can .. |
| Posted: Fri Apr 18 9:48:08 2008 |
Your wife cannot state your income as hers. She .. |
| Posted: Mon Apr 14 9:27:08 2008 |
Last i checked they are done with subprime stuff .. |
| Posted: Mon Apr 14 9:22:00 2008 |
Online quotes are only as reliable as the company .. |
| Posted: Wed Apr 9 10:11:33 2008 |
Well if you in title and you the correct owner .. |
| Posted: Wed Apr 9 10:03:40 2008 |
Well depending on what your qualifications are .. |
| Posted: Wed Apr 9 9:50:52 2008 |
If the house is paid for why dont you just have .. |
| Posted: Wed Apr 9 9:48:09 2008 |
Might be that they want to guarantee funds. .. |
| Posted: Wed Apr 9 9:44:01 2008 |
If i read your question correctly you have extra .. |
| Posted: Wed Apr 9 9:32:44 2008 |
Both second and 1st lien holder have to agree to .. |
| Posted: Wed Apr 9 9:29:28 2008 |
The waiver that you have sighned refers to .. |
| Posted: Wed Apr 9 9:26:25 2008 |
how did you ever get a 180k loan on 100k .. |
| Posted: Mon Mar 31 10:17:35 2008 |
Here is what you should keep in mind this being .. |
| Posted: Mon Mar 31 10:02:17 2008 |
Not sure how thing in NYC nowdays for home values .. |
| Posted: Mon Mar 31 9:48:49 2008 |
dispute it directly with the credit bureau so .. |
| Posted: Mon Mar 31 9:46:28 2008 |
If you dont have at least 50% of your total .. |
| Posted: Mon Mar 31 9:41:34 2008 |
look into short sale that will hopefully allow .. |
| Posted: Mon Mar 10 9:57:28 2008 |
You do not have to pay taxes in a short sale .. |
| Posted: Thu Mar 6 9:46:25 2008 |
If you dealing with retail side of the business .. |
| Posted: Thu Mar 6 9:40:33 2008 |
call the lender and talk to your divorce .. |
| Posted: Thu Mar 6 9:27:27 2008 |
Question is why did you get 4 properties if you .. |
| Posted: Thu Mar 6 9:23:44 2008 |
Check your state laws as to how foreclosure and .. |
| Posted: Tue Mar 4 8:50:39 2008 |
Stated you will be limited to 90% or in declining .. |
| Posted: Tue Mar 4 8:47:24 2008 |
There is a couple of reasons why the person that .. |
| Posted: Tue Mar 4 8:39:07 2008 |
Well in this case an FHA rehab loan will not be .. |
| Posted: Tue Mar 4 8:33:29 2008 |
Is this your primary property Is this and .. |
| Posted: Mon Mar 3 10:57:37 2008 |
Depending on what else is in the loan scenario it .. |
| Posted: Wed Feb 27 8:38:13 2008 |
If the older sister has been paying on the home .. |
| Posted: Wed Feb 27 8:27:16 2008 |
i doubt they will ever come .. |
| Posted: Mon Feb 25 9:54:36 2008 |
This will not help. Most of the borrowers facing .. |
| Posted: Mon Feb 25 9:50:02 2008 |
In many cases an application or any upfront fee .. |
| Posted: Mon Feb 25 9:42:39 2008 |
Not again how many times this argument is comming .. |
| Posted: Mon Feb 25 9:36:13 2008 |
DIL is just like a settlement the lender takes .. |
| Posted: Thu Feb 14 11:20:46 2008 |
Ridle me this
Whenever in the past I have .. |
| Posted: Thu Feb 14 11:05:20 2008 |
to what purpose
nonliving borrowers are allowed .. |
| Posted: Thu Feb 14 10:58:40 2008 |
completely agree with cedric
this is a scam .. |
| Posted: Thu Feb 7 11:43:14 2008 |
go to an honest broker and run from this one .. |
| Posted: Thu Feb 7 10:08:28 2008 |
You mentioned gross income. Are you on W2 or self .. |
| Posted: Thu Feb 7 9:56:01 2008 |
call attourney general and tell them the .. |
| Posted: Thu Feb 7 9:52:59 2008 |
Full doc or stated> there is a big difference .. |
| Posted: Thu Feb 7 9:46:22 2008 |
Thanks Cedric
as far as above posters go if you .. |
| Posted: Thu Feb 7 9:40:14 2008 |
Im assuming there were some soliciting posts .. |
| Posted: Thu Feb 7 9:31:17 2008 |
Our broker said our credit numbers aren't very .. |
| Posted: Thu Feb 7 8:53:03 2008 |
If you want no income documentation loan you will .. |
| Posted: Thu Feb 7 8:51:28 2008 |
Most likely FHA can do it pretty easy at a decent .. |
| Posted: Thu Feb 7 8:50:14 2008 |
Both lenders then have to agree to release the .. |
| Posted: Wed Feb 6 8:58:37 2008 |
Your mom can quitclaim any or all of you on the .. |
| Posted: Wed Feb 6 8:53:50 2008 |
you can quitclaim him on the home title this way .. |
| Posted: Wed Feb 6 8:47:47 2008 |
you will need a job offer letter and or first .. |
| Posted: Wed Feb 6 8:45:34 2008 |
Look at 4 things - final loan ammount, the .. |
| Posted: Tue Feb 5 20:27:27 2008 |
You can call your lender if its written in your .. |
| Posted: Tue Feb 5 9:55:22 2008 |
Thing is they are 2 completely different things .. |
| Posted: Tue Feb 5 9:47:21 2008 |
you need a commercial lender that lends on .. |
| Posted: Tue Feb 5 9:44:07 2008 |
Sorry to burst the eximent buble but FHA is .. |
| Posted: Tue Feb 5 9:35:30 2008 |
still its bad cause if im in the midle of getting .. |
| Posted: Tue Feb 5 9:32:23 2008 |
Always make your payment on time if you overpay .. |
| Posted: Tue Feb 5 9:30:13 2008 |
Now here is a good question how whould you .. |
| Posted: Tue Feb 5 9:23:47 2008 |
To above poster competitive rate still doesnt .. |
| Posted: Mon Feb 4 11:02:30 2008 |
While FHA rates are a bit higher then .. |
| Posted: Mon Feb 4 10:45:03 2008 |
most of the time a deal like that means the cost .. |
| Posted: Mon Feb 4 10:41:42 2008 |
Usually there is 3 reasons to do a drive by .. |
| Posted: Mon Feb 4 10:36:12 2008 |
not in deteriorating market it .. |
| Posted: Mon Feb 4 10:34:44 2008 |
boy some brokers sure go to big troubles nowdays .. |
| Posted: Mon Feb 4 10:30:45 2008 |
not really
you sighned a note and now have to .. |
| Posted: Mon Feb 4 10:26:54 2008 |
Jbarto what you saying is not really making .. |
| Posted: Mon Feb 4 10:09:56 2008 |
totally agree with ckalvesmaki
there is alot .. |
| Posted: Mon Feb 4 9:49:53 2008 |
yeah without prequalifying you its hard to tell .. |
| Posted: Fri Feb 1 10:10:45 2008 |
to nicole a car lease pament will be calculated .. |
| Posted: Fri Feb 1 10:06:53 2008 |
patricia if your credit is just ok you get just .. |
| Posted: Fri Feb 1 10:01:54 2008 |
If the home is in your name but mortgage still in .. |
| Posted: Fri Feb 1 9:52:57 2008 |
ok lets do some calculations. Assuming you do not .. |
| Posted: Fri Feb 1 9:35:59 2008 |
he is talking about 5 yr fixed rates and this is .. |
| Posted: Fri Feb 1 9:31:16 2008 |
He might have hit the ceiling on his loan so it .. |
| Posted: Fri Feb 1 9:24:50 2008 |
Ill chime in.
While you can get 100% financing .. |
| Posted: Tue Jan 29 10:38:59 2008 |
Most likely your broker was expecting to get you .. |
| Posted: Tue Jan 29 10:34:53 2008 |
what you can do now
probaly nothing. If you .. |
| Posted: Tue Jan 29 10:30:52 2008 |
Whoever made the most money out of it is the ones .. |
| Posted: Tue Jan 29 10:26:43 2008 |
As usual i agree with Eric.
Rates change daily, .. |
| Posted: Tue Jan 29 10:14:57 2008 |
The reason the cars are counted in you DTI is .. |
| Posted: Tue Jan 29 9:55:12 2008 |
to the above poster it is definately worth a look .. |
| Posted: Wed Jan 23 9:40:42 2008 |
im going to add horrible customer service on the .. |
| Posted: Wed Jan 23 9:29:03 2008 |
It is an add just because it has no validity .. |
| Posted: Wed Jan 23 9:11:25 2008 |
If you havent bought the house yet FHA 203(k) .. |
| Posted: Wed Jan 23 9:06:25 2008 |
If you making your BK payments and your debt to .. |
| Posted: Wed Jan 23 9:03:55 2008 |
You can stop paying when the loan is paid off or .. |
| Posted: Wed Jan 23 9:00:34 2008 |
Prime rate is down .75% meaning all the short .. |
| Posted: Wed Jan 23 8:56:12 2008 |
If it takes 2 of you to qualify for the loan then .. |
| Posted: Mon Jan 21 10:04:51 2008 |
Marty i see more posts like this you'll get .. |
| Posted: Mon Jan 21 9:58:45 2008 |
Check out FHA loans (make sure you get a lender .. |
| Posted: Mon Jan 21 9:52:55 2008 |
To original poster: you were being quoted .. |
| Posted: Wed Jan 16 9:22:21 2008 |
To the original poster its all about risk factor .. |
| Posted: Wed Jan 16 9:00:48 2008 |
80k equity can be alot or very litle depending on .. |
| Posted: Wed Jan 16 8:52:04 2008 |
why a driveby appraisal what is wrong with the .. |
| Posted: Wed Jan 16 8:47:32 2008 |
The biggest issue that can happen is this is .. |
| Posted: Wed Jan 16 8:42:27 2008 |
If its a full documentation loan then i dont see .. |
| Posted: Wed Jan 16 8:40:09 2008 |
Is your mother contesting the property
Do you .. |
| Posted: Wed Jan 16 8:37:43 2008 |
why did you take a loan you cant afford in the .. |
| Posted: Thu Jan 10 11:20:07 2008 |
Check with a local title .. |
| Posted: Thu Jan 10 11:15:10 2008 |
Great post wish all the clients were as thourough .. |
| Posted: Wed Jan 9 9:18:42 2008 |
500k loan @ 6.125 = $3038/mon
417k @ 5.25 = .. |
| Posted: Wed Jan 9 9:03:47 2008 |
There is no such thing as COSI loan. COSI is a .. |
| Posted: Tue Jan 8 10:20:23 2008 |
Great post Cedric totally agree and great advice .. |
| Posted: Tue Jan 8 10:18:44 2008 |
Lisa with all due respect
While the information .. |
| Posted: Tue Jan 8 10:10:41 2008 |
ok ppl the best rate is to pay with cash
there .. |
| Posted: Tue Jan 8 10:03:45 2008 |
Either FHA or Teachers Federal Credit Union if .. |
| Posted: Tue Jan 8 10:02:17 2008 |
If you getting a construction loan then the taxes .. |
| Posted: Tue Jan 8 9:58:59 2008 |
Yes you can but there will be restrictions to how .. |
| Posted: Tue Jan 8 9:54:28 2008 |
to roger_fraser:
Not for credit cards. In your .. |
| Posted: Tue Jan 8 9:47:18 2008 |
this should have been addressed in your purchase .. |
| Posted: Tue Jan 8 9:42:22 2008 |
If the deed is recorded with the county property .. |
| Posted: Sun Jan 6 23:50:09 2008 |
lisa stop spamming the .. |
| Posted: Sat Dec 22 13:01:57 2007 |
I think its a great .. |
| Posted: Sat Dec 22 12:34:42 2007 |
Unless lender agrees to let you assume the .. |
| Posted: Sat Dec 22 12:27:30 2007 |
Good info .. |
| Posted: Sat Dec 22 12:24:58 2007 |
Well it might be possible for you to write a .. |
| Posted: Tue Dec 18 9:11:08 2007 |
sorry about my bad spelling but im not trying to .. |
| Posted: Tue Dec 18 9:07:10 2007 |
By sighning the quitclaim deed your ex-husband .. |
| Posted: Tue Dec 18 8:54:26 2007 |
There are no 125% loans with low scores out there .. |
| Posted: Fri Dec 14 12:23:06 2007 |
Best talk to a divorse .. |
| Posted: Thu Dec 13 10:08:25 2007 |
Cool info thanks for update and good .. |
| Posted: Thu Dec 13 9:57:55 2007 |
Here is what I tell all my clients if you within .. |
| Posted: Thu Dec 13 9:54:12 2007 |
I can do 100% at 700 score and 95% with 680 but .. |
| Posted: Thu Dec 13 9:38:19 2007 |
To the original poster there are programs that .. |
| Posted: Thu Dec 13 9:24:28 2007 |
I might be able to help out but obviously need .. |
| Posted: Thu Dec 13 9:20:34 2007 |
If your property is worth 185k then you can get a .. |
| Posted: Tue Dec 11 9:41:56 2007 |
Basically this program is designed to help thouse .. |
| Posted: Tue Dec 11 9:27:01 2007 |
Basically if you want your credit unhurt you have .. |
| Posted: Tue Dec 11 9:22:39 2007 |
I would venture a guess and say if you are .. |
| Posted: Tue Dec 11 9:17:30 2007 |
Not really, especially if there is a chance that .. |
| Posted: Tue Dec 11 9:13:13 2007 |
Are you looking to lend them the downpayment or .. |
| Posted: Tue Dec 11 9:08:18 2007 |
Well look at it this way, you have 3 years for .. |
| Posted: Fri Dec 7 19:14:30 2007 |
oh I completely agree with you Eric even though .. |
| Posted: Fri Dec 7 19:02:14 2007 |
To whom it may concern
I, (your name), have .. |
| Posted: Fri Dec 7 18:53:45 2007 |
You can do the online thing its secure enough but .. |
| Posted: Fri Dec 7 18:48:19 2007 |
Yeah depends on the program type documentation .. |
| Posted: Fri Dec 7 18:40:31 2007 |
What you stated is a bit vague to say the .. |
| Posted: Fri Dec 7 18:36:33 2007 |
No they cant if you are not on that mortgage it .. |
| Posted: Fri Dec 7 18:34:41 2007 |
What was being discussed is the cost to the .. |
| Posted: Fri Dec 7 18:21:36 2007 |
at anything higher then 75% ltv you will need .. |
| Posted: Wed Dec 5 10:22:56 2007 |
alot of LO's dont know that they have to sighn .. |
| Posted: Wed Dec 5 10:19:28 2007 |
Look the bottom line is this product is good for .. |
| Posted: Tue Dec 4 8:51:01 2007 |
correction it is possible if the lender allows .. |
| Posted: Tue Dec 4 8:44:40 2007 |
correction you wont have to pay mortgage .. |
| Posted: Mon Dec 3 23:37:08 2007 |
you add value
basically your equity is the .. |
| Posted: Mon Dec 3 23:31:22 2007 |
Good point .. |
| Posted: Mon Dec 3 23:22:47 2007 |
heh Eric you are funny
Think this .. |
| Posted: Mon Dec 3 23:09:09 2007 |
Just make sure there is no hidden costs the .. |
| Posted: Mon Dec 3 23:05:49 2007 |
Its quite simple actually.
Its sum of the .. |
| Posted: Mon Dec 3 22:46:24 2007 |
If you plan on staying at the home 4-5 years tops .. |
| Posted: Mon Dec 3 22:23:53 2007 |
As Eric mentioned above there are alot of things .. |
| Posted: Mon Dec 3 22:04:56 2007 |
both of these are possible
zero interest .. |
| Posted: Mon Dec 3 21:18:18 2007 |
i love it great
like i said in my .. |
| Posted: Mon Dec 3 21:01:46 2007 |
the issue might be that there are no comparable .. |
| Posted: Wed Nov 28 11:24:21 2007 |
You are probably under a year out of that last .. |
| Posted: Wed Nov 28 11:21:39 2007 |
Flex 100 available throug most conforming lenders .. |
| Posted: Wed Nov 28 11:14:51 2007 |
See if you can refi into another interest only or .. |
| Posted: Wed Nov 28 11:07:05 2007 |
ok you got 2 options (neither of them is your .. |
| Posted: Wed Nov 28 10:37:38 2007 |
what do you mean by penalty
There might be .. |
| Posted: Wed Nov 28 10:34:21 2007 |
80/15/5 is possible in your situation but .. |
| Posted: Tue Nov 27 13:42:24 2007 |
If you have clean credti for 12 mon and 2+ years .. |
| Posted: Tue Nov 27 13:32:49 2007 |
well this is all great on paper but in reality a .. |
| Posted: Tue Nov 27 11:00:52 2007 |
Its a program for money management. Anyone can do .. |
| Posted: Tue Nov 27 10:51:14 2007 |
talk to a CPA .. |
| Posted: Tue Nov 27 10:48:55 2007 |
I doubt the realtor will do you any favors by .. |
| Posted: Tue Nov 27 10:16:55 2007 |
If you have reastablished your credit since your .. |
| Posted: Tue Nov 27 10:13:14 2007 |
Personal oppinion:
This is not a subprime crisis .. |
| Posted: Tue Nov 27 9:56:15 2007 |
Deed in leiu will affect your credit much the .. |
| Posted: Mon Nov 26 12:12:37 2007 |
So what you saying is you had a mortgage and now .. |
| Posted: Mon Nov 26 12:05:05 2007 |
try .. |
| Posted: Mon Nov 26 10:51:54 2007 |
DTI as high as 65% can be approved by the lender .. |
| Posted: Mon Nov 26 10:11:40 2007 |
Do not call the appraiser, they will not and .. |
| Posted: Sat Nov 24 16:14:20 2007 |
A point in mortgage terms is a value that is .. |
| Posted: Sat Nov 24 15:47:06 2007 |
If you not on the mortgage you got nothing to .. |
| Posted: Sat Nov 24 15:28:49 2007 |
I believe its a matter of how far the .. |
| Posted: Sat Nov 24 15:24:09 2007 |
Depends, if you give someone $$ and they sign the .. |
| Posted: Sat Nov 24 15:20:01 2007 |
talk to divorse attorney for your options. If .. |
| Posted: Sat Nov 24 15:16:13 2007 |
Define bad credit.
If you have scores below 600 .. |
| Posted: Wed Nov 21 9:37:46 2007 |
Yes you will need 20-25% down .. |
| Posted: Wed Nov 21 9:36:55 2007 |
Student loans are government subsidised loans so .. |
| Posted: Wed Nov 21 9:30:01 2007 |
It would be hard to get a big loan or a large .. |
| Posted: Wed Nov 21 9:25:09 2007 |
at seven month behind even an FHA secure wont .. |
| Posted: Wed Nov 21 9:18:03 2007 |
im with banker on this
here is the deal
She .. |
| Posted: Wed Nov 21 9:04:49 2007 |
In a self employed situation your adjusted gross .. |
| Posted: Wed Nov 21 8:59:46 2007 |
you can be quuitclaimed on the title by your .. |
| Posted: Wed Nov 21 8:52:01 2007 |
Depending on how title is structured she could .. |
| Posted: Wed Nov 21 8:49:53 2007 |
ok could you be clear as to who is on the .. |
| Posted: Mon Nov 19 11:18:29 2007 |
Try FHA Loan if not you are kinda stuck caus eyou .. |
| Posted: Mon Nov 19 11:13:03 2007 |
simple answer is NO
when you cosighn you accept .. |
| Posted: Mon Nov 19 11:10:13 2007 |
The lender will only foreclose if they think they .. |
| Posted: Mon Nov 19 11:05:56 2007 |
there is some things missing in this scenario but .. |
| Posted: Mon Nov 19 10:53:48 2007 |
You can get a real estate agent to draw up a .. |
| Posted: Mon Nov 19 10:46:30 2007 |
you said that you guys drawn up a quitclaim deed. .. |
| Posted: Mon Nov 19 10:22:41 2007 |
are you trying to reastablish his credit or do .. |
| Posted: Mon Nov 19 10:21:01 2007 |
If you are a student and looking to build credit .. |
| Posted: Mon Nov 19 10:12:10 2007 |
Your annual income (interest earned) from your .. |
| Posted: Thu Nov 15 8:58:05 2007 |
yeah definately check out FHA b4 going subprime .. |
| Posted: Thu Nov 15 8:54:05 2007 |
well if you couldnt afford this loan why did you .. |
| Posted: Thu Nov 15 8:49:04 2007 |
Another thing you can try is getting a contract .. |
| Posted: Thu Nov 15 8:41:47 2007 |
Most mortgage notes state clearly that you are .. |
| Posted: Thu Nov 15 8:37:56 2007 |
If your mom is evading paying taxes it might come .. |
| Posted: Wed Nov 14 9:38:38 2007 |
glad to hear good .. |
| Posted: Wed Nov 14 9:33:54 2007 |
a bit confusing the person is currently not on .. |
| Posted: Wed Nov 14 9:27:43 2007 |
He will never get an FHA mortgage with thouse .. |
| Posted: Wed Nov 14 9:22:25 2007 |
If the deed is notorised and properly recorded .. |
| Posted: Wed Nov 14 9:11:51 2007 |
countrywide is getting pressure from investors to .. |
| Posted: Wed Nov 14 9:03:23 2007 |
a1sundevilsfan you reading me correct. If you .. |
| Posted: Wed Nov 14 8:56:44 2007 |
michelle has the right of it
you can always be .. |
| Posted: Tue Nov 13 9:53:56 2007 |
Run, and fast.
Everything points to one of 2 .. |
| Posted: Tue Nov 13 9:39:23 2007 |
Was unswering a post and desided to put this up .. |
| Posted: Tue Nov 13 9:07:05 2007 |
Just dont go around having 20 ppl pull your .. |
| Posted: Tue Nov 13 8:44:18 2007 |
If this the only thing you will do fine. FHA is .. |
| Posted: Tue Nov 13 8:41:05 2007 |
contact your most recent lender that should have .. |
| Posted: Mon Nov 12 10:53:02 2007 |
Sorry to hear things arenworking out for you. As .. |
| Posted: Mon Nov 12 10:35:26 2007 |
You are making 26 payments equal to 1/2 of the .. |
| Posted: Mon Nov 12 10:28:21 2007 |
Do you need to go stated or will you go full doc .. |
| Posted: Mon Nov 12 10:21:06 2007 |
everybody pretty much the only problem its .. |
| Posted: Mon Nov 12 10:19:34 2007 |
You can do w2 stated, you can do NOO, you can do .. |
| Posted: Mon Nov 12 10:10:33 2007 |
Not likely, what you need to do is to contact the .. |
| Posted: Mon Nov 12 9:56:08 2007 |
To add to what eric said: FHA are common sence .. |
| Posted: Mon Nov 12 9:50:21 2007 |
The FHA underwriter is looking for the way to .. |
| Posted: Mon Nov 12 9:43:59 2007 |
I may help you out. Please give me a call or .. |
| Posted: Mon Nov 12 9:34:28 2007 |
Here is the biggest thing about all this .. |
| Posted: Mon Nov 12 9:21:16 2007 |
I agree with Eric as usual In fact I am looking .. |
| Posted: Mon Nov 12 9:07:33 2007 |
Are you looking to do a short sale on your .. |
| Posted: Mon Nov 12 9:03:46 2007 |
There is no set %. What you should do is figure .. |
| Posted: Mon Nov 12 8:51:15 2007 |
contact an .. |
| Posted: Tue Oct 30 11:13:30 2007 |
It would depend on where your scores are at now, .. |
| Posted: Mon Oct 29 16:43:49 2007 |
from your statement it is my understanding that .. |
| Posted: Mon Oct 29 16:36:34 2007 |
Depending on your credit score and financial .. |
| Posted: Mon Oct 29 16:34:29 2007 |
There is not enough information and i am not sure .. |
| Posted: Mon Oct 29 16:28:38 2007 |
Not usually if you add someone on the title .. |
| Posted: Wed Oct 24 11:46:59 2007 |
walk away let him sit there
you can get another .. |
| Posted: Wed Oct 24 11:27:30 2007 |
No. They will tell you when the sherif is comming .. |
| Posted: Wed Oct 24 11:26:28 2007 |
call the mortgage companies tell them that your .. |
| Posted: Wed Oct 24 11:22:27 2007 |
Larry you are wrong!
The ballance of the loan .. |
| Posted: Wed Oct 24 11:14:18 2007 |
Talk to your local credit union. Also depends .. |
| Posted: Wed Oct 24 11:11:25 2007 |
I can do 90% (id have to check for 95%) on a full .. |
| Posted: Wed Oct 24 11:06:11 2007 |
If your dad sighned the home over to girlfriend .. |
| Posted: Wed Oct 24 11:03:46 2007 |
If you have had clear credit for 12 months (not .. |
| Posted: Wed Oct 24 10:57:25 2007 |
Your lender had to send you disclosures along .. |
| Posted: Wed Oct 24 10:15:07 2007 |
If the lates over 12 mon old she could do FHA .. |
| Posted: Wed Oct 24 10:12:05 2007 |
If the client has 2 yrs taxes with enough income .. |
| Posted: Wed Oct 24 10:06:59 2007 |
net tangible benefit in a refinance is the .. |
| Posted: Wed Oct 24 9:57:22 2007 |
Owner Occupied - means you live there and intend .. |
| Posted: Tue Oct 23 11:27:44 2007 |
It makes sence but im betting you can get a .. |
| Posted: Tue Oct 23 11:18:49 2007 |
FHA FHA FHA
See if they qualify, need 3-4 .. |
| Posted: Tue Oct 23 11:08:15 2007 |
Here is another example where this interest only .. |
| Posted: Tue Oct 23 10:24:16 2007 |
I'll disagree with Eric to a point but he is .. |
| Posted: Tue Oct 23 9:39:31 2007 |
you can call me but describe your problem as .. |
| Posted: Thu Oct 18 10:01:39 2007 |
Typically the witnesses and the attorney should .. |
| Posted: Thu Oct 18 9:59:55 2007 |
Yes but you will be responcible for paying the .. |
| Posted: Thu Oct 18 9:54:10 2007 |
He meant he doesnt want to payoff his credit .. |
| Posted: Thu Oct 18 9:50:12 2007 |
on a 310k loan you should expect around 7k+ .. |
| Posted: Thu Oct 18 9:39:27 2007 |
If there is enough equity in the home and you .. |
| Posted: Wed Oct 17 11:30:36 2007 |
Hi, it is possible to get a mortgage under the .. |
| Posted: Wed Oct 17 10:18:25 2007 |
hey this was an interesting read
its .. |
| Posted: Wed Oct 17 9:48:57 2007 |
ok buddy here is the deal listen to livinginky .. |
| Posted: Wed Oct 17 9:21:09 2007 |
As far as closing costs it sorta depends on the .. |
| Posted: Thu Oct 11 9:40:31 2007 |
If it was Joint tennats w right of survivorship ( .. |
| Posted: Thu Oct 11 9:37:53 2007 |
When I was a broker (which was last week) hated .. |
| Posted: Thu Oct 11 9:28:18 2007 |
Well the issue is the quitclaim deed is in its .. |
| Posted: Thu Oct 11 9:19:15 2007 |
you can try contacting your mortgage company and .. |
| Posted: Wed Oct 10 9:12:32 2007 |
I work for Flagstar Bank (its a federaly .. |
| Posted: Wed Oct 10 9:09:50 2007 |
to jenkin - BK is on your record for up to 11 .. |
| Posted: Tue Oct 9 10:40:01 2007 |
Well my brokerage is part of the Flagstar Bank .. |
| Posted: Tue Oct 9 10:30:41 2007 |
Here is the main reason your broker isnt giving .. |
| Posted: Tue Oct 9 10:23:39 2007 |
Basically no one will lend you money based on the .. |
| Posted: Tue Oct 9 10:16:55 2007 |
Try to avoid anything with word financial in it .. |
| Posted: Tue Oct 9 10:05:05 2007 |
Ill disagree with jenkin there as far as credit .. |
| Posted: Tue Oct 9 9:59:42 2007 |
The vehicle can be reposesed for nonpayment and .. |
| Posted: Tue Oct 9 9:54:31 2007 |
Jenkin i believe he said he isnt working now so .. |
| Posted: Tue Oct 9 9:52:13 2007 |
The bank makes sure you got enough money to live .. |
| Posted: Mon Oct 8 9:48:15 2007 |
The main reason for that is what you take home is .. |
| Posted: Mon Oct 8 9:40:56 2007 |
Well Its not a bad idea at all if you can invest .. |
| Posted: Mon Oct 8 9:18:07 2007 |
I believe that you would have a tough time .. |
| Posted: Fri Oct 5 22:50:21 2007 |
talk to a local real estate .. |
| Posted: Fri Oct 5 22:47:37 2007 |
You can get the copies of your checks from your .. |
| Posted: Fri Oct 5 22:39:45 2007 |
Dont ever try to cheat the government. They have .. |
| Posted: Fri Oct 5 22:31:19 2007 |
Easy
If you can get a better rate on your first .. |
| Posted: Fri Oct 5 22:21:42 2007 |
mind extrapolating on your .. |
| Posted: Fri Oct 5 22:20:01 2007 |
check with you atourney there are time .. |
| Posted: Fri Oct 5 22:13:56 2007 |
well since your credit is ruined and you already .. |
| Posted: Thu Oct 4 20:49:26 2007 |
Talk to an attourney!
Technically your wife .. |
| Posted: Thu Oct 4 20:44:36 2007 |
FHA is the only way to get a decent rate witht .. |
| Posted: Thu Oct 4 20:37:17 2007 |
My advise would be to call someone before you .. |
| Posted: Thu Oct 4 20:28:47 2007 |
Quitclaim will get you on the title of the .. |
| Posted: Thu Oct 4 20:26:18 2007 |
No Doc. Easy loan, If everything you said checks .. |
| Posted: Thu Oct 4 20:19:46 2007 |
Agreed with above .. |
| Posted: Thu Oct 4 20:18:56 2007 |
I dont, but someone might. What are you trying to .. |
| Posted: Thu Oct 4 20:17:55 2007 |
1. Is this the auction date Once the bank takes .. |
| Posted: Thu Oct 4 11:15:59 2007 |
Erick was right for a one unit property the limit .. |
| Posted: Thu Oct 4 11:02:09 2007 |
People often confuse a good deal with how much .. |
| Posted: Thu Oct 4 10:21:52 2007 |
I believe the statement was that the mother is on .. |
| Posted: Thu Oct 4 10:16:27 2007 |
Nicole
I am sorry about your unfortinate .. |
| Posted: Thu Oct 4 9:44:02 2007 |
If your father quitclaimed the property to you .. |
| Posted: Thu Oct 4 9:36:28 2007 |
do you have the 10% dowpayment or you looking to .. |
| Posted: Wed Oct 3 10:40:18 2007 |
I worked with Flagstar as a broker and next week .. |
| Posted: Wed Oct 3 10:30:10 2007 |
Just looked up indiana and it seems less then .. |
| Posted: Wed Oct 3 10:10:58 2007 |
he is looking for one new loan for his new .. |
| Posted: Wed Oct 3 10:06:10 2007 |
what do you .. |
| Posted: Wed Oct 3 9:51:22 2007 |
Each serves a different pupose
A personal loan .. |
| Posted: Wed Oct 3 9:40:44 2007 |
Grats .. |
| Posted: Tue Oct 2 21:47:14 2007 |
Im thinking 85% is your cutoff but if you think .. |
| Posted: Tue Oct 2 21:44:55 2007 |
by quitclaiming the home over to a third party .. |
| Posted: Tue Oct 2 21:41:26 2007 |
Hi if you are gainfully employed and have clean .. |
| Posted: Tue Oct 2 21:33:16 2007 |
Talk to a local real estate .. |
| Posted: Tue Oct 2 21:18:58 2007 |
You can only get arrested for money you owe to .. |
| Posted: Mon Oct 1 12:27:28 2007 |
agree with livinginnky completely
Above .. |
| Posted: Mon Oct 1 9:36:23 2007 |
Reputable lender that works with bad credit .. |
| Posted: Mon Oct 1 9:33:42 2007 |
If the divorse papers show that your husband gets .. |
| Posted: Mon Oct 1 9:27:02 2007 |
Definately talk to an .. |
| Posted: Mon Oct 1 9:18:30 2007 |
Well i disagree wiith above poster on one thing .. |
| Posted: Mon Oct 1 9:14:32 2007 |
Basically you get a year of free rent while the .. |
| Posted: Mon Oct 1 9:08:33 2007 |
Talk to your .. |
| Posted: Mon Oct 1 9:06:53 2007 |
Good Idea .. |
| Posted: Mon Oct 1 9:03:24 2007 |
If you want to contact someone send them a .. |
| Posted: Thu Sep 27 13:59:31 2007 |
10 acres is within conforming limits, is it .. |
| Posted: Thu Sep 27 11:28:01 2007 |
You would have to buy the property mostlikely. .. |
| Posted: Thu Sep 27 11:23:15 2007 |
oops that was me .. |
| Posted: Thu Sep 27 11:22:21 2007 |
Yes that is what they .. |
| Posted: Thu Sep 27 11:21:12 2007 |
Yes it is possible but you need to submit a full .. |
| Posted: Wed Sep 26 13:11:27 2007 |
Thanks Larry, especially concidering i was hard .. |
| Posted: Wed Sep 26 13:04:47 2007 |
Talk to a real estate attorney on this .. |
| Posted: Wed Sep 26 13:04:05 2007 |
Most likely 2 to 7 years (more likely .. |
| Posted: Wed Sep 26 12:59:54 2007 |
The whole point of short sale is that the bank .. |
| Posted: Wed Sep 26 12:21:09 2007 |
What your credit looks like Are you on the .. |
| Posted: Wed Sep 26 12:12:12 2007 |
Well if you planning to drop one house anyway .. |
| Posted: Wed Sep 26 12:07:27 2007 |
If you trully have a way to get good legible .. |
| Posted: Wed Sep 26 11:46:08 2007 |
Depending on how many other liabilities you have .. |
| Posted: Wed Sep 26 11:39:02 2007 |
Hi
Second will not foreclose without the first .. |
| Posted: Wed Sep 26 11:30:39 2007 |
Contact a local title company and they should be .. |
| Posted: Wed Sep 26 11:29:19 2007 |
As far as qualifing on any given loan FHA or not .. |
| Posted: Wed Sep 26 11:13:40 2007 |
Both posters are correct however remember you .. |
| Posted: Wed Sep 26 11:05:47 2007 |
To jenkin 7
A mortgage lender can and will buy .. |
| Posted: Wed Sep 26 11:01:21 2007 |
Your father would need to quitclaim the land deed .. |
| Posted: Tue Sep 25 21:45:46 2007 |
If the tax assessed value of your property went .. |
| Posted: Tue Sep 25 21:33:26 2007 |
Ok whoever is applying for the loan will need to .. |
| Posted: Tue Sep 25 21:28:59 2007 |
Also in a chapter 13 BK you only repay your debts .. |
| Posted: Tue Sep 25 21:26:43 2007 |
Is renting the home an option for you to make the .. |
| Posted: Tue Sep 25 21:13:20 2007 |
OOps that was me just now .. |
| Posted: Thu Sep 20 11:52:21 2007 |
Hey,
Sorry about the divorse it can be a pain. .. |
| Posted: Thu Sep 20 11:31:09 2007 |
Your stepmother didnt get a quitclaim deed she .. |
| Posted: Thu Sep 20 11:24:51 2007 |
Life lease what type of property is it No one can .. |
| Posted: Wed Sep 19 15:04:45 2007 |
Good job go do that ! Just make sure you dont .. |
| Posted: Wed Sep 19 15:01:18 2007 |
Well i know of quite a few times that i had an .. |
| Posted: Wed Sep 19 14:42:05 2007 |
If he is on the loan then he is responcible for .. |
| Posted: Wed Sep 19 14:37:44 2007 |
what are you trying to achieve If both of you on .. |
| Posted: Wed Sep 19 14:15:19 2007 |
I would tend to agree with the livinginnky there .. |
| Posted: Wed Sep 19 14:11:02 2007 |
Hi, in the end its all about managing your money .. |
| Posted: Mon Sep 3 17:17:35 2007 |
it all depends on alot of factores thats why i .. |
| Posted: Sat Sep 1 23:48:27 2007 |
Look into a reverse mortgage to create cashflow .. |
| Posted: Sat Sep 1 23:46:57 2007 |
Simple answer judgment is a legal document that .. |
| Posted: Sat Sep 1 23:35:52 2007 |
Yes .. |
| Posted: Sat Sep 1 23:30:51 2007 |
Its hard to put a value but new roof will likely .. |
| Posted: Sat Sep 1 23:25:14 2007 |
If your mom has dementia how can she get a .. |
| Posted: Sat Sep 1 23:22:14 2007 |
If you are on title you have the ownership rights .. |
| Posted: Sat Sep 1 22:55:06 2007 |
as far as i know (information coming from years .. |
| Posted: Sat Sep 1 22:44:51 2007 |
expect about $100-200 total cost and any title .. |
| Posted: Sat Sep 1 22:42:35 2007 |
Unless the line is extremly large you likely have .. |
| Posted: Sat Sep 1 22:39:05 2007 |
I am assuming the other person wants something .. |
| Posted: Sat Sep 1 22:29:07 2007 |
larry wrong again !!
please dont respond to .. |
| Posted: Sat Sep 1 22:10:48 2007 |
Sara your husband is misinformed of flat out .. |
| Posted: Sat Sep 1 22:02:43 2007 |
a general advice to anyone reading this forum .. |
| Posted: Sat Sep 1 21:01:23 2007 |
I will look into the matter as this might get .. |
| Posted: Sat Sep 1 20:45:47 2007 |
Just refinance your mortgage if you can to get a .. |
| Posted: Sat Sep 1 19:10:46 2007 |
You are confusing an option arm ( loan program .. |
| Posted: Sat Sep 1 18:44:05 2007 |
Hate to be the bearer of bad news Coolchick but .. |
| Posted: Sat Sep 1 18:38:13 2007 |
Well as far as i understand the paralegal said .. |
| Posted: Sat Sep 1 18:35:41 2007 |
multiple discharged debts typically will have .. |
| Posted: Sat Sep 1 18:27:16 2007 |
Ralph what you need to do in such a case is see .. |
| Posted: Sat Sep 1 18:06:58 2007 |
595 score assuming not alot of rates can get you .. |
| Posted: Sat Sep 1 17:52:27 2007 |
Hi Maria there are several things that are .. |
| Posted: Mon Aug 27 13:12:28 2007 |
No you cannot. The only property you can buy as a .. |
| Posted: Mon Aug 27 13:03:40 2007 |
I would get a hold of copy of your credit report .. |
| Posted: Mon Aug 27 12:56:40 2007 |
actually there more then 3 credit reporting .. |
| Posted: Mon Aug 27 12:53:35 2007 |
Credit reporting looks on your credit history as .. |
| Posted: Mon Aug 27 12:49:46 2007 |
Payday loans are unsecured and therefore the only .. |
| Posted: Mon Aug 27 12:23:48 2007 |
The way you phrased your question seems that your .. |
| Posted: Mon Aug 27 12:16:13 2007 |
Here is what you an expect with your score
You .. |
| Posted: Mon Aug 27 12:08:43 2007 |
Appraiser ( at least any good one ) is a .. |
| Posted: Fri Aug 24 16:52:13 2007 |
I saw you post on the other forum about it as .. |
| Posted: Fri Aug 24 16:41:40 2007 |
As long as you and your husband on the mortgage .. |
| Posted: Tue Aug 21 15:50:19 2007 |
It is better to stay with what you have now .. |
| Posted: Tue Aug 21 15:30:16 2007 |
This is called seasoning. Its to prevent selling .. |
| Posted: Tue Aug 21 15:26:36 2007 |
Nancy - the quitclaim deed will need to be .. |
| Posted: Tue Aug 21 15:16:05 2007 |
Patty - you will own the house but your mothere .. |
| Posted: Tue Aug 21 15:12:32 2007 |
Here is what i whould do.
1. File for divorce - .. |
| Posted: Mon Aug 20 16:38:37 2007 |
In that case refer to my first post. One othere .. |
| Posted: Mon Aug 20 16:30:52 2007 |
The only way you can get a mortgage is by .. |
| Posted: Mon Aug 20 16:21:56 2007 |
In order to do what larry said the property must .. |
| Posted: Mon Aug 20 16:07:42 2007 |
Its simple unless your father is on the mortgage .. |
| Posted: Mon Aug 20 15:55:38 2007 |
In order to qualify for debt consolidation all .. |
| Posted: Mon Aug 20 15:41:00 2007 |
You can refinance at 550 score but you will .. |
| Posted: Mon Aug 20 15:30:30 2007 |
There is not enough information. Is the new loan .. |
| Posted: Mon Aug 20 15:26:27 2007 |
you can also buy another home while owning this .. |
| Posted: Mon Aug 20 15:24:10 2007 |
If you are filing for divorce you can bring it up .. |
| Posted: Fri Aug 17 14:27:16 2007 |
Oh i was under impression there were 2 properties .. |
| Posted: Fri Aug 17 14:18:40 2007 |
appraisal is more accurate but in determinning .. |
| Posted: Fri Aug 17 13:54:14 2007 |
that would depend on an interest rate and the .. |
| Posted: Fri Aug 17 13:50:31 2007 |
if you and your boyfriends parents are in .. |
| Posted: Fri Aug 17 13:40:58 2 |
