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

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