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Asked 05/29/2008 10:11 am CT (Baltimore, MD)

I want to refinace my house to get caught up on bills but I\\\'m not able to becasue of my credit. I wanted to do a QuitClaim Deed to add my mother so that she could refinace. I was told that because she is not on the original loan I could not do that in addition to her not living in the house. Is any of this true? I was told this after the agent got all our info and processed it. He knew she didnt live with me from the beginning and also that I was the only one on the loan.

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Asked 05/20/2008 07:00 am CT (Phla., Alberta)

Is a co-signer responsible for a VA mortgage? My daughter and her husband are divorced. He lives in the house. He is the veteran. They got a VA loan, she co-signed, but she was not working at the time. The mortgage has not been paid, he is not doing anything about it. What can she do.

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Asked 05/19/2008 10:29 am CT (Oxford, MS)

My wife and I have been deeded a property using "a special warranty deed subject to life estate". We would like to borrow against the property for improvements, however, we would prefer not to have the grandmorther sign docs as grantor because of age and mental wellness. The grandmother no longer lives in the house, and will not return to the house because of health issues. Does the deed superseed the Life Estate, and should we be able to borrow with out her signature? Thanks

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Asked 05/18/2008 01:36 pm CT (kansas city, KS)

I am in a unsatisfactory relationship and w/o the other\\\\\\\'s income I cannot afford the house payments. Can I give the property to the lender w/o severely damaging my credit?

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Yes it will damage your credit. It would be better to contact a real estate agent and sell. If you...

[ Total Answers: 1 ]

 
 

Asked 05/12/2008 07:32 pm CT (Yuba City, CA)

My husband and I have lived in our home for 5 years. We have never been late on our mortgage and refinanced and obtained a 2nd mortgage. Currently our 1st mortgage is 345,000 and 2nd is 80,000. My husband is being relocated with his job and we have to sell the house because they are moving us out of state. I know that our home is worth about 350,000 to 360,000. Employer will pay all penalties and closing costs on new home. I am worried about our second mortgage not being satisfied. Any suggestions. I would hate for our credit to be in jeopardy.

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Ask the new employer to cover the difference. Rent or lease option it out. Attempt to short sale t...

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Asked 05/12/2008 05:55 pm CT (new brunswick, NJ)

I own a 2 family house worth 450,000.I just refined my house for 309,000.My credit score last time i looked [last month] was 611.I am looking for a 2nd mortage for $25,000 for home inprovement.do you know the best place i could get one? thanks for your time!

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I'd check w/ your local bank with which you have a good relationship. If that doesn't work, get ref...

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Asked 05/12/2008 04:26 pm CT (Lambertville, New Brunswick)

My house mortgage, and title, is in my name, but my husband and I lived in the house for eight months. We have since broken up. I am living with my parents. My lawyer says I can get a court order to get him out, but if I sell the house, we would split the profit. My question is, do I have to sell the house, or can I stay in it, and keep paying the mortgage after he is out?

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Hi KL I am not a lawyer and would refer all questions regarding the matrimonial home to your lawyer...

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Asked 05/05/2008 09:04 am CT (Watertown, WI)

We refinanced last year. I have poor credit, so rate was high. I am out of work now, and interviewing with numerous employers, most are out state. If needed to relocate and sale my house, is there a flip I can do? With cars you can roll over the lose on one to another?

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I would suggest getting a real estate agent and having them sell it as a short sell....

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Asked 05/01/2008 05:39 pm CT (Saint Clair Shores, MI)

My friend purchase a house in 2001with his wife. He put down 5%. They got a PMI together. However, to receive that it had to be in both names. He's now divorce and been taking over payments he can not afford now. He would like to know how could he let go of the house without damaging credit badly.

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Unfortunately, "letting go" of the house without finding a buyer for it will severly damage your fri...

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Asked 04/29/2008 02:37 pm CT (Fort Worth, TX)

The house deed is only in my husband's name. He purchased before we got married. My name is on the mortage, which is already paid off. What rights do I have if we divorce?

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Typically, community property law applies to only property acquired together while married. You nee...

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Asked 04/28/2008 09:28 am CT (Lithonia, GA)

Are you allowed to write off PMI every year on your mortgage. Or just if the house was purchased in the year you are filing?

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Can writeoff every year your income qualifies.

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Asked 04/28/2008 05:21 am CT (cincinnati, OH)

my husband and his ex wife bought a house when they where married that was is in 1994. they been divorced since 1998 ,he left her the home because of there son and she was to take over the payments his name is still on the morgage we just found out it is in process of foreclosure. we decided that we would like to have it... because this has messed up his credit and has stopped us from buying are own.. what would be his chances in getting the home.

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Asked 04/26/2008 11:00 pm CT (Baltimore, MD)

My mother passed away 26years ago. I never removed her name from the deed on the house ,which is paid for, what do I need to do Now ?

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I'd first ask you why you want her removed from the deed, are you just cleaning up your record keepi...

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Asked 04/26/2008 10:57 pm CT (selma, AL)

My mother sign a deed of a duplex dwelling to me and my nephew. She died before house payed for. Now my nephew wants ownership and will not continue to help pay his share. which has to be payed jointly. He just filed the deeds she signed 2 yrs after her death. He also owe me for mortage maintenance upkeep. I want my money. Can he take ownership without finish paying what is owed back and now and future.

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How can he take sole ownership when you state mother signed deeds to your & your nephew?...

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Asked 04/25/2008 08:23 am CT (Margate, FL)

I'm interested into buy a house in Broward (Florida) that doesn't have the appliances. It doesn't have the refrigerator and the stove but i have (own) those appliances in my apartment that i can take them with me. Can i still get a loan? or the bank (appraisal) will have a problem with it. Thanks

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Johanna, This would not be a problem. You do not need t an addendum. Im a lic. loan officer in fl...

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Asked 04/24/2008 10:37 pm CT (little rock, AR)

We are set to close on our house next Wednesday, and we had some of our closing costs rolled in, and the seller paying some as well. However, we were still told we need $1100 to close, and we do not have the money in the bank (or will have it by Wednesday) Can we put the closing off for another 2 weeks until we have more money? And/Or, should I consider taking out a personal loan to pay for the costs, we already have been approved for the mortgage, it's just the darn closing costs.

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Didn't you get a Good Faith Estimate at application about how much you'd need to close? Putting the...

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Asked 04/24/2008 05:53 pm CT (mesa, AZ)

I have a credit score of 631 with a bank in collections and a judgement for not paying rent ( which is paid now) and I have no established rotating accounts. I have little income, part time job at Quik Trip. And my husband has a 450 score with 5 collections, with little established credit, but he has a income of 3000 a month. How would be start as 1st time buyers for a small house or mobile home loan? We tried thru a bank and got deneid when using him on the credit, can I use him as extra income but not include him on the credit/ cosigner? Thanks. Jenna

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Can't be a cosigner without looking at credit. i would suggest looking for a rent-to-own property a...

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Asked 04/24/2008 10:41 am CT (chicago, IL)

My mother is moving to a nursing home and her income which is paying for the mortgage on her home will follow her to the nursing home. The house has been on the market for six months through Buy Owner and with the declining economy and neighborhood the probablity that the house will not sell is great. The appraised value is $140,000, amount due including loan is approximately $100,000. I have no interest in property and would like to know the best way to unload it.

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Go to an investor group meeting and offer the house to them. Or put it on the market with a Realtor...

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Asked 04/22/2008 06:50 am CT (Smyrna, TN)

My husband and I will be divorcing this year. My name is on the deed with his, but I am not on the mortage. We have both agreed I should keep the house for the children, but I do not think I can qualify for a mortage on my own. What can we do?

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If he pays you child supprt for a year, you can use that as income to qualify for a mortgage as long...

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Asked 04/22/2008 06:21 am CT (rye, NY)

I will try to buy a house in the next 6 months, i have a credit score of 650 - 680, my salary/bonus has averaged 350k over the last few years, i have minimal debt now(however have had some issues inthe past) - I come up with the max house for me is around 1.3mln - which is too much. If I want to buy a $1mln home, how much do I need to put down and what rate am I looking at with that type of credit score?

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The minimum will be 10% down with a rate around 7 to 7.5%. This may change depending on credit scor...

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