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Asked 09/05/2007 03:05 pm CT (San Diego, CA)

My daughter and her boyfriend bought a house in El Dorado Hills, CA in Aug., 2007. My daughter paid the total downpayment of $91,000 from a gift from her grandmother. They have broken up, tried to sell for six months to no avail. She wants to keep the house, he is fine with that, however wants his name off of the title and mortgage. What do we need to do in order to help her? She can\'t qualify for the total loan by herself, so we are willing to co sign or get on the mortgage with her. The house has gione down in value a minimum of $50,000 minus realtor fees. We are willing to have her stay in the house. Does she totally have to refinanace the loan or can she just make the same payments with0ut him on the loan?We are very concerned about getting a new mortgage with the current financial situation. We could pay off the loan if necessary, but don\'t want to do that. Help us please.

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Karen, In order to get the ex boy friend off of the mortgage, she would need to refinance. There a...

[ Total Answers: 4 ]

 
 

Asked 09/04/2007 09:23 pm CT (Los Angeles, CA)

My husband and I have two loans. 1st is a fixed loan and the second loan is at a high interest rate. Our credit scores are 520 and above. We are showing behind on our house loan, because of a mistake countrywide made back in Oct of 06. Countrywide put us on a repayment plan and increased our payment double. Is there any company out there that will take us with our credit scores and consolidate both loans?????

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We have a credit consultant that would be able to correct the late payment error on your credit repo...

[ Total Answers: 3 ]

 
 

Asked 08/29/2007 12:42 pm CT (New York, NY)

If i agree to purchase a house for $3 million, but the house is appraised at $13 million, can i borrow more than the agreed purchase price of $3 million from a bank (or mortgage broker)?

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Hello Joseph - Yes, but typically it would need to be in two loans. The first transaction would be ...

[ Total Answers: 2 ]

 
 

Asked 08/28/2007 12:13 pm CT (williamston, MI)

I found a foreclosed house on the internet but I am wondering who or how do you find out who holds the mortage on it and what you can buy it for?

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Foreclosed properties no longer have mortgages on them. County records will show who secured the Sh...

[ Total Answers: 1 ]

 
 

Asked 08/28/2007 01:27 am CT (holmes, NY)

we bought our house in dec. 04 with an 80/20 no money down mortgage, the larger being adjustable. It was our first time, so we were happy just to get the mortgage. My husband worked construction and suffered a back injury that required surgery and we thought at the time was only temporary but later found that it was more permant, and requires further surgery, we cant afford our adjustable rate to go any higher what do we do

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Contact whomever you're making the mortgage payments to & ask for forebearance arrangement. You cou...

[ Total Answers: 1 ]

 
 

Asked 08/18/2007 01:21 pm CT (westbrook, ME)

me and my girlfriend want to buy the house we live in the price is $231,000 we have $300,000. our credit scores are under 500. could we buy it out right (there is a house around the corner that we love) buying this house and get a 2nd mortgage to buy the other house I can rent this house and a small attached apt for $1800 a month. and how long will we have to wait to take a mortgage out on the house after we buy it

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You may want to consider private contracts with the sellers. They may require large down payments as...

[ Total Answers: 1 ]

 
 

Asked 08/14/2007 06:37 pm CT (Dublin, OH)

If a lender pre-approvesa buyer, then, on day 30 (deadline for them to procure financing), the lender then denies financing to buyer, saying the laws have changed in the last 6 months, what recourse does the buyer have? And, should buyers go elsewhere to find financing so that they can still close on their chosen house? THank you....

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Asked 08/06/2007 08:41 am CT (San Antonio, TX)

I bought a house in Dec. with my boyfriend but they only put my name on the morgage since his credit was so bad and when we split up he left and left me to pay for everything knowing that I couldnt handle it by myself. So I got renters in there to help out and I moved back to Austin. This seemed to be working fine but now they are already behind on a payment and I went over there to pick up some stuff since im still in the moving process and they are quickly destroying the house. The carpet is already ruined, they smoke inside, the garage smells like something died in it and the lawn is becoming over grown. I tell them to address these issues and they say they will but they do not. I really just want to get out from under the house and start over but if they are ruining the value of the house faster than it can increase. I could sure use some advice.

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Asked 08/02/2007 08:49 am CT (Buffalo, NY)

Is there any assurance(or insurance) on protecting the home value. Is there any way to be safe on a loaned house of $xx and it falls in value to $x over time? So if the mortgage is for $100000,and the value falls to $25000....is there any way to protect oneself? Thanks....Jim Kulbacki

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Asked 07/29/2007 12:30 am CT (Tempe, AZ)

My girlfriend and I have been living together for several years, and even though we have an "agreement" the house is ours it is in her name from a previous family title swap transaction. We both contribute to the total cost of buying, remodeling and maintaining the house and I would like to get on the loan (~25% of Title???) and make that official. I make $90k/yr., our house is worth ~$900k and we currently have a Mortgage of ~$260k. She has had two bad relationships in the past and has been hesitant about putting someone else's name on the house, but I continue to contribute and have expressed the need to make this official. My credit score is very average (670) from both a bad financial advisor and the fact that I have run up a significant credit card debt (~60k) on remodeling and getting a truck to work on the house. She has very good credit at 800+ and has conceptually agreed to put me on the title at some percentage, take out a load to pay off all my outside debt (~60k) which will then boost my credit rating to low to mid 700's as I was over 700 before current debt and currently have no Real Estate accounts. I feel the timing for this is very important and from what she understands she agrees as we are planning on either buying a new home or performing a significant remodel (~250k) in the next 6 mos. to a year and my improved credit score with no debt and still low mortgage would go a long way to making that happen and not hurting us on a bigger debt a lower credit scores. I hope this makes some sense, this is my first query related to this effort and I would greatly like the feedback of experts as my income is continuing to be used with no "Real" results. Thanks, RMc

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RMc, your issues are very common in the current marketplace. You are very accurate in your situatio...

[ Total Answers: 2 ]

 
 

Asked 07/28/2007 07:41 am CT (north providence, RI)

im set to close on a house but my income has dropped i wont be able to afford the mortgage can i back out of the deal and will i lose my deposit my p&s was contingent on financing

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You can always back out of the purchase prior to signing. Whther or not you can get your escrow depe...

[ Total Answers: 1 ]

 
 

Asked 07/26/2007 02:37 pm CT (southampton, MA)

my husband and i have talked of divorce.the house is in both our names mine being first. he is unemployed (planning on staying that way) i don\\\\\\\'t care if i keep the house or not. how can i buy him out so i can just leave without leaving my name on the mortgage?

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Hi Debbie, The best option might be for you to buy him out of the home. You could keep it or sell ...

[ Total Answers: 2 ]

 
 

Asked 07/23/2007 07:13 am CT (Golden, MS)

Hi. I my wife and I are wanting to buy our first home together. We are still living with my in-laws at the moment. Both of our credit scores are low. My wife was sick for a while and we got behind on some of our payments. The house we fell in love with. They are asking $59,000. I can put 20 % down. My credit score is only 490 right now. Is there any companies out there that can help. The only places i could find on the internet you have to get a loan for a minimum of 50,000 with 30% down at that credit score.

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Asked 07/21/2007 02:27 pm CT (Madisonville, KY)

I baught a house from hud at auction they made me a deed after i fixed it up to rent i try to borrow money on it and find it has another mortgage on it and cant get title insurance on it so no loan but the lean holder is out of business in the stste of ky so how can i clear up my deed no help from hud

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Asked 07/05/2007 01:33 pm CT (Charlotte, NC)

I have fairly terrible credit, and I am looking to buy a house within the next 6 months. Are there any verifiable, guaranteed lenders out there? I've applied with several that supposedly 'offer bad credit loans', but either they don't get back to me or they decline me. What can I do? Thanks.

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Christina, I would like to get a little more information about your scenario. Please email me whe...

[ Total Answers: 1 ]

 
 

Asked 07/05/2007 08:05 am CT (Centereach, NY)

Hi im in the process of buying a home. We should be closing by the end of this week, but my loan officer is telling me he cant get me a loan. Now the sellers attorney is going to release the money I put up at contract ($5,000) to the sellers. Everyone is telling me im going to loose my money, what can I do? I did everything I was supposed to do, now im going to loose the house I want and the my money, please help me. Thank you

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Diana, Please email me more details. I need to know why you can not get loan approval, is there a...

[ Total Answers: 1 ]

 
 

Asked 07/04/2007 10:20 am CT (Lafayette, LA)

I apply for a home. The cost of the home was ,$140.000.The seller paid the closing cost and some of the downpayment,which was$5000.My income is less than $29.00for the years,Igot a grant payment of $5.600for the houseI wanted to knoe if I can a anotherdownpayment from oother downpayment assitance program.

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Asked 06/24/2007 05:32 am CT (nanticoke, PA)

how do i go about putting my sons name on my house to make him owner of house without having to spend a lot of money to do so...house is paid for

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Barry, If you are trying to ensure that your sons inherit the property, you may be creating a tax li...

[ Total Answers: 2 ]

 
 

Asked 06/24/2007 05:14 am CT (nanticoke, PA)

if bank forecloses on my house and sells it for less than what my loan is ....do i have to still pay the balance of loan to the bank

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YES unless you had Private Mortgage Insurance on the property....

[ Total Answers: 1 ]

 
 

Asked 06/19/2007 04:57 pm CT (Tamarac, FL)

Hello. I am a first time home buyer. I currently rent an apartment in Florida but have found the house of my dreams in Georgia. Due to Georgia's teaching certification I will not be able to teach in Georgia until I satisfy the requirements for teaching in Georgia. Can I still work in Florida and secure a mortgage with a home in Georgia now or do I have to have a job in Georgia in order to have a mortgage for a Georgia home???I'm afraid if I wait until 2008 the home price will have skyrocketed by then.

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Kesha, you can most likley purchase it as a 2nd home. The rate might be slightly higher, but it will...

[ Total Answers: 1 ]



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