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Forums: Learn from other's experiences

Mobile home loan

Posted on: 18th Jun, 2023 06:15 pm
I have a paid off mobile home with the value of my house being 60000. I don't own the land but I have a lease for 10 years. My credit score is 699. I'm trying to get a 14000 loan to replace my roof . Any suggestions where I can go and get a loan.

Moore Marsden Rule - What if the value of the house is less than the purchase price when the marriage occurred?

Posted on: 10th Feb, 2020 02:58 pm
Purchased the house in 2003 for $319,000. Put down $17,000 on my own. Value of the house at marriage was $266,000, so less than what was purchased for. No principle payments were made until a few years after marriage, $34,974. Value at time of separation is $495,000. Does that mean she is entitled to more, than had the house been worth more then the purchase price at the time of marriage? When I do the calculations online, it will not allow me to put an amount less than the purchase price for the value at the time of marriage. Does this question even make sense?

Revocable living trust & Quitclaim deed

Posted on: 15th Sep, 2014 11:46 am
Hi, My mother in law passed away in 2005, she had a Revocable Living Trust and my husband was the Trustee and only Beneficiary... She also filled out a quitclaim deed in 1999 to my husband. When we went transfer the property in 2005 she had been on a Exemption for taxes and they recalculated and we ended up owing about $15000.00 in taxes that we had to pay before we could transfer now My question is we have the Trust and the Certification of Trust showing he is the Beneficiary but are being told that the quitclaim deed (notorized) is outdated. We don't have the money to go to an attorney. How can we transfer the property into our name so we can sell it? Thank you
Hi, My mother in law passed away in 2005, she had a Revocable Living Trust and my husband was the Trustee and only Beneficiary... She also filled out a quitclaim deed in 1999 to my husband. When we went transfer the property in 2005 she had been on a Exemption for taxes and they recalculated and we ended up owing about $15000.00 in taxes that we had to pay before we could transfer now My question is we have the Trust and the Certification of Trust showing he is the Beneficiary but are being told that the quitclaim deed (notorized) is outdated. We don't have the money to go to an attorney. How can we transfer the property into our name so we can sell it? Thank you
Posted on: 15th Sep, 2014 11:50 am

How much time do I have before I have to move?

Posted on: 08th Sep, 2014 01:04 pm
I have not made a payments in 17 months. I was served that foreclosure had been started 8 months ago and it's was filed. Now they have started it all over again and have it in short sale. How fast can a short sale go and how much more time do I have before I have to move out? I live in Illinois
I have not made a payments in 17 months. I was served that foreclosure had been started 8 months ago and it's was filed. Now they have started it all over again and have it in short sale. How fast can a short sale go and how much more time do I have before I have to move out? I live in Illinois
Posted on: 08th Sep, 2014 01:06 pm

Grant Deed

Posted on: 03rd Sep, 2014 07:59 pm
California, My significant other and I have agreed to add my name on his Deed. We have made out a Grant Deed with him as the Granter and Me and him as Grantees. We have had it notarized today. Are we going to have to pay taxes on this once we take it to the recorders office? We have one page we have to fill in that came with the Grant Deed form called Preliminary I believe we are to check no on all the questions. This is what we have been told.
California has some of the highest taxes in the nation. One particularly heinous tax is on the sale of real estate. However, certain transactions are not taxable such as between spouses or into certain trusts. In your case, it may be taxable. Check with a local real estate attorney to determine if your transfer is taxable and how you can avoid the tax.
Posted on: 04th Sep, 2014 09:04 am

Loan refinance

Posted on: 26th Aug, 2014 10:28 am
have bad credit and we are applying for home refinance. Both of our name are on the title but my husband is the one applying for the loan, are they going to check my bad credit score and will it affect our application? I am only appearing during closing for signing of papers
The only time your credit would be checked is if you live in a community property state - if not your credit should not matter - you may need to sign off on the deed since it will be a loan in just his name - let us know if you need more help
Brian Barnes
ENG Lending Nationwide Lender
Posted on: 28th Aug, 2014 11:30 am
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