http://backend.userland.com/rss092 http://www.mortgagefit.com/rss/discuss.xml Through MortgageFit forums, the Community holds discussions on various issues that common people come across while dealing with professionals in the mortgage industry. The forum topics also highlight the knowledge and experiences shared by our Community sam.mortgagefit@gmail.com Tue, 09 Feb 2010 15:03:31 GMT en-us http://www.mortgagefit.com/credit-rating/about34594.html http://www.mortgagefit.com/credit-rating/about34594.html is it legal to add seasoned perfect accounts to my credit to increase my scores. i want to buy a house in 30 to 40 days. can this work? http://www.mortgagefit.com/predeal/about34566.html http://www.mortgagefit.com/predeal/about34566.html where can i fnd clear information regarding the fact that a gift of equity can be used/given to a fiance? I'm being told by my loan consultant that it can't be used because we are not related. http://www.mortgagefit.com/know-how/about34559.html http://www.mortgagefit.com/know-how/about34559.html Hello, me and andquot;this guyandquot; have been living together for the past 20+ years. I am the secondary name under our loan. I have been paying the mortgage for the past 11~ years by myself. My son recently showed me undeniable evidence that 'this guy' has been cheating on me. We are not legally married but I want him out of the house and out of our lives since he contributes nothing towards the payments. Statements, pay stubs and tax records are available. What are the recommended procedures... http://www.mortgagefit.com/credit/score-update.html http://www.mortgagefit.com/credit/score-update.html Ok heres my Problem, About 6 month's ago I had a score of 644 now it seems its droped to 588. I have had to fight the three systems do to someone else having the same name as mine, living in the same town and among other things. I got this cleared up but now I have rechecked snice I am looking to buy a house and I have found that my bank has inacourate info. shows I paid late once on two loans, I have been told as soon as they get the dispute letter they would take care of it also they showed a... http://www.mortgagefit.com/budgeting-finance/tax-writeoff.html http://www.mortgagefit.com/budgeting-finance/tax-writeoff.html we are owner financing a home at 7% in the amount of $110,000.00 with 7% down. we would like to know how much of the monthly payment we will be able to deduct on our taxes and how much do we have to declare as income. http://www.mortgagefit.com/credit-rating/about34516.html http://www.mortgagefit.com/credit-rating/about34516.html My husband andamp; I have a combined credit score of 630, in the past 3 months we have raised our score a ton just by paying off credit cards (we used to be in the high 500's) we have about 10,000 for a down payment andamp; are looking for a house in the 105,000 range..we have some old (4-5 yrs old) negative items on our report (4 to be exact, 1 is medical), we have applied for an FHA loan and had to do a letter of explanation for these items, what do you think our chances are of getting approved? W... http://www.mortgagefit.com/propertytransfer/grantdeed-ownership.html http://www.mortgagefit.com/propertytransfer/grantdeed-ownership.html How can I change the ownership of a property in a grant deed?? http://www.mortgagefit.com/inprocess/about34495.html http://www.mortgagefit.com/inprocess/about34495.html Hello everyone, I am a Mortgage Broker in Miami, FL and I recently had a client/borrower/buyer who I had been working with for 10 months. We had been thru a lot together, failed short sale after failed short sale. On the last home, it was a go and I had her redisclosed, all signed up, approved, locked, appraisal completed, etc. Well, the new realtor she had found was very difficult from day one and I could tell she was trying to make me look bad. She was questioning me on rate and costs ... http://www.mortgagefit.com/know-how/about34493.html http://www.mortgagefit.com/know-how/about34493.html I have been divorced for 5 years. I was awarded the house in the divorce and my ex did sign the quit claim paperwork. The mortgage statements still come in both our names and I am told thta is because I need to refinance. I filed bankruptcy 13 a year after the divorce and am just coming out now. I am afraid that my mortgage company may not approve a refinance because I do not know if credit is an issue. Can you tell me if you need to have good credit to refinance just to have his name remov... http://www.mortgagefit.com/appraisal/deposit-reimbursed.html http://www.mortgagefit.com/appraisal/deposit-reimbursed.html I figured I was in a good position to refinance my house, of course regardless of your position the loan officer will make you think so. So we went through the whole process including me putting down a $500 deposit. Everything was good to go until the appraisal came back. I bought the house a year ago for $140k, the house at that time was appraised at $155k. The appraisal this time came back at $140k. Obviously makes no since for me to refinance in order to get a lower rate now. My question is c...