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Asked 08/10/2008 05:07 pm CT (Vero Beach, FL)

interested in purchasing $900,000 house... will put 20% down... excellent credit... what is best option for lowest payments, etc, as I hope to stay in it for>10 years

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Although combining a conforming first with a HELOC may give you the best rate on the first mortgage,...

[ Total Answers: 3 ]

 
 

Asked 08/07/2008 10:07 am CT (Ann Arbor, MI)

My husband and I are looking to purchase a property that is listed as Bank owned. The asking price of the house was recently reduced by $20,000 and the property is vacant. But it also says that it is a short sale. How can it be both? and where does that leave us in the negotiating process?

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It cannot be both. Who are you negotiating with on the purchase? Drew 248-356-3739 x301 x205...

[ Total Answers: 1 ]

 
 

Asked 08/01/2008 05:33 am CT (Waxahachie, TX)

I obtained a mortgage in 8/05. It is an ARM and I have a second mortgage so that I did not have to have PMI. In 7/07 my husband died without any benefits. He had recently lost his job and started a new one, but wasn't eligible for benefits at the time of his death. I have struggled to pay all of these expences that his death has incurred. I am to the point that I can no longer stay in this house....Emotionally, I am a miserable wreck when I am there. I need a way out!! Due to the recent decreased value of homes in my area, my Current Appraised value of my home is less than my 2 mortgages. What options do I have? What happens is I allow voluntary forclosure? Will either mortgage company be able to sue me or place a judgement on me. I know my credit will be ruined, but at this point, my health and over all well being means much more to me than my credit rating. What can I do? [Lee, Waxahachie TX]

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You need to speak with a real estate & bankruptcy attorneys.

[ Total Answers: 1 ]

 
 

Asked 08/01/2008 05:32 am CT (Waxahachie, TX)

I obtained a mortgage in 8/05. It is an ARM and I have a second mortgage so that I did not have to have PMI. In 7/07 my husband died without any benefits. He had recently lost his job and started a new one, but wasn't eligible for benefits at the time of his death. I have struggled to pay all of these expences that his death has incurred. I am to the point that I can no longer stay in this house....Emotionally, I am a miserable wreck when I am there. I need a way out!! Due to the recent decreased value of homes in my area, my Current Appraised value of my home is less than my 2 mortgages. What options do I have? What happens is I allow voluntary forclosure? Will either mortgage company be able to sue me or place a judgement on me. I know my credit will be ruined, but at this point, my health and over all well being means much more to me than my credit rating. What can I do? [Lee, Waxahachie TX]

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Asked 07/31/2008 09:49 am CT (MINT HILL, NC)

I PURCHASED MY HOME 3 YEARS AGO FOR $235,000.00 CASH.IT IS NOW APPRAISED AT $280,000.00.WHEN I BOUGHT MY HOME I GOT A HOME EQUITY LOAN FOR $50,000.00.EARLY LAST YEAR I GOT ANOTHER EQUITY LOAN FOR $50,000.0O.I NOW HAVE A TOTAL LOAN OUT ON THE HOUSE FOR $100,000.00.I STILL HAVE OVER $175,000.00 IN EQUITY IN MY HOME.I NEED SOME CASH NOW BUT MT CRIDET SCORE IS 535 AND MY LENDER WILL NOT HELP ME DO TO MY SCORE BEING SO LOW.IS THERE ANY WERE I CAN GO FOR HELP?

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Asked 07/31/2008 07:11 am CT (Waxahachie, TX)

I obtained a mortgage in 8/05. It is an ARM and I have a second mortgage so that I did not have to have PMI. In 7/07 my husband died without any benefits. He had recently lost his job and started a new one, but wasn't eligible for benefits at the time of his death. I have struggled to pay all of these expences that his death has incurred. I am to the point that I can no longer stay in this house....Emotionally, I am a miserable wreck when I am there. I need a way out!! Due to the recent decreased value of homes in my area, my Current Appraised value of my home is less than my 2 mortgages. What options do I have? What happens is I allow voluntary forclosure? Will either mortgage company be able to sue me or place a judgement on me. I know my credit will be ruined, but at this point, my health and over all well being means much more to me than my credit rating. What can I do?

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Asked 07/10/2008 12:08 pm CT (Lawrence, KS)

Our house is appraised at $150,000. We owe $97,000 at 6% (30 year). The 5/1 ARM is up next October. We owe $25,000 as a HELOC and the remaining $25,000 as a home improvemnt loan from our bank. We would like to refinance the entire amount into a 30 year fixed rate. However, both Countrywide and our bank will not refinance unless we pay off the balance of the others loan. We have two cars paid off and less than $10,000 in unsecured debt. Our gaol is to get rid of the HELOC (which we never seem to make up ground on). Any suggestions?

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Asked 07/10/2008 10:33 am CT (Greentown, PA)

I recently purchased a house in PA...I'd like to put my 2 sons name on the deed how do I do it?

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Asked 07/10/2008 09:31 am CT (Greentown, PA)

I recently purchased a house in PA...I'd like to put my 2 sons name on the deed how do I do it?

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Asked 07/09/2008 06:35 pm CT (Ragley, LA)

We ordered a new mobile home. The seller has changed the price on the home twice. Now the home is on our land and the seller is trying to change the price again. Can he do this? Our home also has water damage and mold due to the manufacturer not tightening our water lines in the house properly. Can we send the home back without hurting our credit or am I stuck with a 115,000 home full of damage that no one will come fix?To top it off the seller hired contractors to due the improvements for the land and went over the cost we agreed on in writing. My runners have cracked and the contractor won't fix it, but wants full payment.Now my wall is cracking due to the crack in the concrete. What are my rights?

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Asked 07/05/2008 12:41 pm CT (flint, MI)

i just got layoff i can't pay my mortgage anymore what if i let my house go

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Gilbert, Do you have equity in the property? I would absolutely try to sell the home if at all p...

[ Total Answers: 1 ]

 
 

Asked 07/01/2008 07:16 pm CT (Las Vegas, NV)

I have a house that is valued at $281,000.00 I owe a principal amount of $311,000.00 I am making interest only payments $2,141.00 The loan is schedule to readjust in 2012. Do you recommend continue making making the payments?

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Asked 06/24/2008 12:45 pm CT (philadelphia, PA)

my soon to be exhusband is on the mortgage and i am on the property deed. He said that he is removing me off the deed and listing the house for sale. MY question is how can he removed me off the deed without buying me out and listing the property without my signature on the listing agreement? tThis has been a very stressful time for me and my family and I am not sure where I stand at this point with my rights.

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Asked 06/22/2008 05:13 pm CT (orlandp, FL)

Hi, I am currently taking the classes for down payment assistance SHIP. At the first meeting we had, the instructor said we had to include all incomes in the house. I currently live by myself, but after I purchase my home ( I am the only one going to be buying the home), my boyfriend is going to be moving in with me. Do I have to disclose this information? Will the program require me to include his income?

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Asked 06/20/2008 04:56 pm CT (McAllen, TX)

I want to sell my house, but it is also under my husband's name and he is in a coma. How can i sell if also under his name?

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Asked 06/17/2008 02:10 pm CT (St George, UT)

What happens when you sell your house for less than you owe? Can you get another house and add the money you owe to the new morgage? Thank-you

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Selling for less than you owe is called a Short Sale, and requires your current lender's consent. (...

[ Total Answers: 1 ]

 
 

Asked 06/12/2008 01:53 pm CT (Ocala, FL)

My husband has a home purchased with his deceased wife that was done thru the SHIP program. We want to buy another home but are having a hard time selling the one he has thru SHIP and we can't buy another house without showing this one as rental property, which is a no no for SHIP. Is it possible to refinance the balance of the money owed to SHIP, along w/ the balance of the home loan to get away from SHIP?

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Phone number is 484-224-2985

[ Total Answers: 2 ]

 
 

Asked 06/11/2008 04:03 pm CT (Kinzers, PA)

The home I live in has my ex-husband only as the person whose name is on mortgage. However, for the last ten years I have paid the mortgage myself, the deed of the house has only my name on it, not my husband\'s as he deeded it to me ten years ago. I need to change the name on the mortgage, is there anything I can do to convince the bank to change the mortgage to my name, since I have been paying them on a timely basis for ten years?

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If I understand properly the mortgage is in his name, the deed is in your name. You will have to re...

[ Total Answers: 2 ]

 
 

Asked 06/04/2008 09:00 pm CT (brownwood, TX)

my wife and i are going thru a divorce.we have a va loan that i used back in 1997. she wants the house.i dont.she has bad credit as i do to.she wont be able to get a loan on her own.i dont think she can afford to keep the house up.i dont want a foreclosure on me.she is adamate about staying in it.what are my options?

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I would definitely agree with getting the judge to order the sale of the house. Too many times I've...

[ Total Answers: 2 ]

 
 

Asked 06/03/2008 05:55 pm CT (winston-salem, NC)

my sister and i are co-owners of a house purchased in june 2006; i have to move; how do i get out of this mortgage?

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Your sister need to buy-out your interest. She can go through a special-purpose refiannce with a le...

[ Total Answers: 1 ]



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