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Asked 06/09/2007 08:22 am CT (Mentor, OH)

I bought my house in December of 2004 $154,000 (including tax and title). At that time I was a single first time home buyer. I put 0% down and was put on an 80/20 loan. Two and a half years later I'm married with a child and the house is getting smaller. I make more money now then I did back then and my wife makes a decent living. We are looking to sell our house and build in a new development. We have some money saved up for a down payment. My question is - Is it possible to sell my house without taking a huge hit due to having that 80/20 loan. Thank you. Steve

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Asked 06/07/2007 01:30 pm CT (Panama City Beach, FL)

I am trying to close on a property,but we cannot get a loan because the appraisal says,it needs to be fixed ($40.000) to make it liveable.I think that amount is way too much.Since the house on sale "as is",we can't fix it before closing,but we need the loan to buy it,but no one give loan before it is fixed.Please help.Thank You

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Peter, some lenders will allow for an escrow account to be set up to make the repairs. Also, others ...

[ Total Answers: 1 ]

 
 

Asked 06/07/2007 09:15 am CT (Wesley Chapel, FL)

I have been divrced 2 years. the court ordered ex to pay martgage untill I move. He has been making pmts & ded taxes & interest. We are trying to refinance and because ex shares an appt with his girlfriend, the mtg co is saying the house is not his primary residence & is trying to increase the rate as an investment.

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Unfortunately that is probably correct. If you are able to refi on your own then it should be ok. Is...

[ Total Answers: 1 ]

 
 

Asked 06/01/2007 05:42 pm CT (HUNTINGBURG, IN)

my HUSBAND AND I BIUGHT HOW HOUSE TWO YEARS AGO.WORK WAS SLOW OVER THE WINTER.AND KIND OFPUT A STRAIN ON US OUR RATE ONOUR HOUSE 5.1 I WOULD LIKE TO GET A SECOND MORTGAGE.BUT MY HUSBAN DOSNT KNOW. IF WE SOULD WOULD IT BE THE RIGHT THING TO DO TO PAY BIILS FOR OUR CRIDET BECAUS IT SEEM WE ARE STRUGGLEING WEEK TO WEEEK

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Rita, the best thing to do is to take a look at entire scope of your financial situation. I'd love ...

[ Total Answers: 2 ]

 
 

Asked 06/01/2007 01:19 pm CT (Lynchburg, VA)

i just purchased my home on december.. the loan company that i was dealing with no longer handles the type of mortgage that i have so they sold my mortgage..well, i am not pleased at all with this new company..not only have they lost my payments(which i have proof of)but when they cashed one they didnt put in the correct amount and it was less and they are now asking for all this interest. i am so afraid that they are going to be the cause of me lossing my home.. this is my first one and i truly love this house. i dont know what to do... thanks.... daphne :)

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Asked 05/31/2007 07:12 am CT (orange, VA)

we have a 4 year old mint conditioned doulblewide in a rural area, on prime realstate. The home is considered realestate because it is on a permanent foundation. Says "modular home" on the paper I signed declaring it to be realestate. The home itself has appreciated 30,000 dollars since we bought it. The property we put it on is worth 140,000. We owe 74,000 on this property.Equity in the home is 166.000. My spouse has an excellent credit rating. Her income is not high but we have a employed daughter who lives in the house and is willing to co-sign a loan We are trying to refinance to reach a property settlement agreement.I do not live in the house. I will sign a quit claim to all rights to the property, so my question is why with all that equity, a perfect credit rating, and a longtermed employed cosigner, my wife cant get a refinance loan, or at least, a some what less predatory one?

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I can help you give me a call 347.573.9799 / 212.213.5120 or visit my website....

[ Total Answers: 1 ]

 
 

Asked 05/22/2007 08:33 am CT (Suitland, MD)

My sister got a house with her boyfriend and both of their names are on the mortgage or deed or whatever. (sorry I don't know the proper terms). They got the loans from both of their imcomes combined. Now they are seperating and my sister can't afford the house by herself. What should she do????-

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Hi Tiffany, I would like to help with this issue. However, I need to know a bit more about your ...

[ Total Answers: 1 ]

 
 

Asked 05/22/2007 08:25 am CT (Perry, FL)

I own a number of homes and I am thinking of selling them owner finance. Is there some sort of insurance out there that would protect me should something go wrong with the buyers making payments besides death or disability coverage? In other words I would want the house to be paid off should for any reason they are not able to pay.

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Hi Pierre: This is more of a insurance agent question. My question to you is, do you have mortgages...

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Asked 05/14/2007 11:18 am CT (modesto, CA)

yes my husbadn and i bought a new home in aug of 06 and we have tried to make the mapyment work but as time goes by we have realized that we have bitten of more than we can chew. we would like to to know what are options are. putting the house up for sale is out of the question the market here is not good at all. Is there a way that we can give the house back and if so what does it do to our credit.

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Hi Kellie, Have you looked into refinancing into a lower mortgage payment? The market is really bad...

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Asked 05/14/2007 06:01 am CT (PHILADELPHIA, PA)

We found a house for 160000 in New Jersey My wife is making over 45k ad she has good credit. My credit is 523 and I make around 55k. We need 100% to 97% loan now Can somebody help me??? Thanks Stan

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Hi Stan, We have 100% programs for mortgages. Since your wife's credit is good and your credit is l...

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Asked 05/10/2007 07:52 pm CT (Greensburg, PA)

My parents are looking to buy my neighbors house. They are going to put their home for sale. My father was injured at work a year ago and is on workers compensation. Will they have trouble getting a new mortgage because his workers comp. can not be counted as income? My mother also has an income, and they would have a large down payment from the sell of their own home.

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Rachel, Give my office a call so we can go over all the options that your parents have available ...

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Asked 05/10/2007 08:56 am CT (Syracuse, NY)

I don't have good credit so my mother was planning on taking a mortgage out in her name so my husband and I can but a house, we can't get a mortgage on our own. My mom was going to stay with us for a couple months during the winter. Is it illegal for her to own the home but not be staying in it, and letting us live in it?

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Hi Sarah, Your mother could potentially buy the house as a second home. Or she could buy it as an i...

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Asked 05/08/2007 11:07 am CT (phoenix, AZ)

I would like to sell my house to a friend; however, he has less than perfect credit. His credit score is in the 500's, and he makes about 2000 dollars a month. Most mortgage companies have indicated to him that they would finance the loan if he could put down 10,000 dollars. Is there some way I could wrap uf the down payment in the cost of the home. I would like to sell the house for about 125,000 dollars?

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Rolanda, one way that might work is for you to lease the property to him while he works on his credi...

[ Total Answers: 1 ]

 
 

Asked 04/25/2007 06:48 pm CT (JACKSONVILLE, FL)

My husband's name is on a deed on a house with his father. As far as I know my name is not on the deed, he is planning to refinance and stated that due to us being married I have to sign the refinancing papers. Is this true?

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Hi Kaydie: Were you married when the house was purchased? If so you should have had to sign then. ...

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Asked 04/25/2007 10:35 am CT (phoenix, AZ)

My mom and dad own a home and it's paid off, we need to refinance the house. How can we do it if my dad works for my brothers small company and gets paid cash basically, my sister's credit is about in the 550's but she works part time and my credit is horrible i owe a lot of creditors and my credit score is at 480's but i've been in my job for 7 years, how should we refinance the house? in who's name?

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Maritza, you need to talk with a mortgage planner who will discuss what your goals and objectives ar...

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Asked 04/24/2007 10:17 am CT (cleveland, PA)

I am going through a divorce where both my spouse and I are on the deed and the first mortgage. However, my spouse never had any income and the mortgage is based on my sole income. Is it possible to have my spouses name removed from the existing mortgage without refinancing if my spouse quick deeds the house to me?

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Your spouse can deed the house over to you but she will still remain on the loan unless you refinanc...

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Asked 04/24/2007 06:00 am CT (wooster, OH)

mine and my wife credit score's are in the 400 to 500 range we are doing the bi-weekly payment's and doing a payment of 541.00 to a credit managenment . our payment for the house is like 600 pluse every other week .we did this to pay off the house early but now were in a bine and getting behind on my truck payment . Is there any way out of this should i file for ch 13 . Please Help . we have the income just need help

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You might talk with your lender and see if they can change this back to a monthly, but then your pay...

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Asked 04/23/2007 04:11 pm CT (Saratoga Springs, NY)

PLUS score of 636 178,500 per year salary 12,000 - 25,000 consultant income per year I have no cash for down payment or closing can I buy a house .... what price range max?

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Asked 04/23/2007 02:39 pm CT (Windsor, Ontario)

can a man who is claiming bankruptsy on his inc buisiness loose his personal assets like is house?

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Asked 04/23/2007 10:41 am CT (VANCOUVER, WA)

my father in law passed away on March 11, 2007 and had no insurance on the house or life insurance, my mother in -law does not work, she will receive social security and a small pension, but this will not make the monthly payment on the home, so how do we get her out of this mess? a letter of deed in lue? short sale?, we have made the payment for May, but will stop the making the payments in June. any help would be great.

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A Reverse Mortgage is probably the best answer unless she wants to sell and move. Please call if you...

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