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Asked 03/22/2007 04:21 pm CT (Clarkston, MI)

I recently married a man who had previously been divorced. The shared mortgage from his previous marriage still shows on his his credit, though the ex-wife lives in the home and pays the mortgage. Apparantly, my husband said the mortgage company would not take his name off of the mortgage. Could you explain this to me, please, and offer advice on what options we might have to sever that unhealthy relationship....Thank you!

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Jayne, as mentioned above a judge cannot remove someone from the responsibility of paying back a loa...

[ Total Answers: 2 ]

 
 

Asked 03/22/2007 09:46 am CT (Roseville, MI)

My husband is recently deceased. He had no estate. Two years before he died he refinanced the house. I did not want to refinance. He refinance in his name. My name is not on the mortgage note. I did sign an insurance rider. I am not exactly sure what that was. I could not make the house payments so I let the house go into foreclosure. I had just received a hardship discharge for Chapter 13 and I was not old enough for wiows benefits. I decided that foreclosure was my only option. I will be moving in about six weeks. The mortgage company is demanding that I purchase a years worth of hazard insurance on the home or they will purchase it themselves. My redemption period is up June 13th. I really can't afford this purchase of insurance. Am I responsble for the insurance just because my name is on the deed? They are getting he house and I can't really pay for 1/3 of a years payment towards property insurance as I am trying to get money together to move somewhere else. I don't know what to do because they are sayin that if they buy insurance it will be 1,700. 00 with premiums of 225.00. Can they really charge that to me or do they charge it to the estate when there isn't an estate? Thanks so much, in your attempts to help me....Sandy

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The Morgage instrument requires the mortgagee to keep insurance on the property. You are not the mo...

[ Total Answers: 1 ]

 
 

Asked 03/19/2007 05:58 pm CT (Davis Junction, IL)

How hard is it to get my ex-husbands name off of a va loan, he agreed to sign over house, I don\\\'t want to refinace due to credit issues he created, I would like just to have him taken off the mortgage, is that possible.

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[ Total Answers: 5 ]

 
 

Asked 03/19/2007 10:28 am CT (oshawa, Ontario)

I have defaulted on my last 2 mortage payments due to myself going on maternity leave and my husband being on sick leave from work. I had to wait approx 5 weeks for my unemployment and my husband is still waiting for his benefits to tart coming in. I have comunicated this to the mortage company but they continue to try and take payments out of our account causing late payment fees and both ends. I have told them that I will be catching up soon but they are not giving me any help to do so. What should I do and can how long will it take them to forclose on my property?

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I do not know the foreclosure laws in Ontario, I recommend contacting the court that handles such ma...

[ Total Answers: 1 ]

 
 

Asked 03/18/2007 10:58 pm CT (Auburn, WA)

Due to a prenuptial agreement, I agreed to sign off on the deed to my husband and I's home. Since now the pre nup is void, how do I get my name on the home?

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There is simple form that any Title and Escrow company can provide that allows you to be added to th...

[ Total Answers: 1 ]

 
 

Asked 03/15/2007 12:20 pm CT (oneonta, AL)

I've recently divorced and my ex-husband is trying to buy property. He is not able to get the loan only in his name so he has asked me to co-sign with him. We are getting a contract written that states that if he fails to pay I can sell the property without his consent. Is there anything else that I should have stated in this contract?

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Good advice from Larry. I would add that you consider staying out of the deal unless you are in to...

[ Total Answers: 2 ]

 
 

Asked 03/09/2007 01:44 pm CT (MEDFORD, NY)

MY HUSBAND AND I ARE IN CONTRACT RIGHT NOW FOR A HOME. WE ARE DOING 106% FINACING AND WE PUT DOWN LESS THAN 1% FOR DOWNPAYMENT TO GET IN TO CONTRACT. THE BANK IS NOW ASKING FOR 2MONTHS OF PAYMENTS AND INSURANCE TO BE SHOWN IN OUR BANK ACCOUNT BUT I HAD TO BE THERE FOR 60 DAYS. WHAT WOULD HAPPEN IF WE CANT SHOW THAT. I CAN GET THE MMONEY TO PLEASE THE BANK BUT IT WOULDN'T SHOW FOR 60 DAYS.

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It depends on the lender and the type of the loan. Some will allow gifted assets or no seasoning. Yo...

[ Total Answers: 1 ]

 
 

Asked 03/05/2007 01:14 pm CT (Sarasota, FL)

My husband and I are in our fifties and are going to buy our first home. My husbands credit is exellent and mine is good. We make about 40,000 a year. What are the chances of getting a loan on a 1983 manufactured home in a land owned over 55 comunity? The home is on a lot that has been appraised at $95,000, they are asking $209,000 because of the location, the land is on the Mayaka river. The home is old in need of repair and our cash flow is low. A home in a park where you don't own the land is less , $95,000 for a 1996 in great condition and furnished but the rent is 550.00 a month. Help!!! Thankyou.

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Pam, There are lenders who will lend on manufactured homes on lots that are owned by residents. You ...

[ Total Answers: 2 ]

 
 

Asked 01/26/2007 07:21 am CT (Naugatuck, CT)

My husband and i are facing forcloser and we want to save our house is there a company that will refinance our loan even if our credit score is under 500? Please can you help us?

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With those scores, most lenders would not lend you more than 70% of the value of your home. Be caut...

[ Total Answers: 3 ]

 
 

Asked 01/17/2007 10:13 am CT (chicago, IL)

can a mortgage company look into legal records? .. I'm going to refi my mortgage and they need to know why I made some late payments on some accounts I had open. The reason I made late payments was b/c my husband had some legal issue to take care of the cost a lot of money and he needed my help.

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Hi Lynn, Some legal documents are public record and so anyone can look them up. If your husband had ...

[ Total Answers: 1 ]

 
 

Asked 12/19/2006 11:00 am CT (Camden, NJ)

My husband and I our looking to buy a new house within the next 6-9 months. Before me and my husband got married he had already brought a house with his brother being the co-borrower, now my husband wants to sell the house but the co-borrower (brother) would like to keep it if he could. My husband has been making all the mortgage payments. Is there any way they can refinance the house and my brother-in-law can be on the title alone, and sign over the equity to my husband?

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Hello there!!! If your husband's brother is on title already they could refinance and pull the equi...

[ Total Answers: 1 ]

 
 

Asked 12/18/2006 08:23 am CT (Brightwood, VA)

My husband and I need to obtain a mortgage with 100% financing and a credit score of around 560. We both have very good jobs and make good money. Our credit score took a dive because we did not know that searching online for a good rate would result in numerous inquires on our credit.

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Hi Pam, along with what Paul stated above, one of the things that can cause that window to not apply...

[ Total Answers: 2 ]

 
 

Asked 12/16/2006 07:24 am CT (Turnersville, NJ)

My husband & I have 2 yrs. left on a 5 yr. fixed rate @ 4.75%. The lender, a savings bank, could not include our real estate taxes in the loan. What a mistake! Too hard for us to budget. I would like to know, if I can pay off what I owe(approx. $35,000) and maybe an additional $10,000 with another 5yr. or less fixed rate that would include our real estate taxes. Would I need to finance with a bank, mortgage co., or other to have our RE taxes included? Would I have to pay closing costs? Etc... Please respond! thanks!

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Michelle, You definitely do not want to pay closing costs simply to satisfy this situation. As Prest...

[ Total Answers: 2 ]

 
 

Asked 10/26/2006 06:11 am CT (plainfield, NJ)

I am applying for a mortgage, and my husband has not been on his present job for 2 years, but was on his previous job for 6 years, can we still get a mortgage

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Most likely this will be no problem. If it is the same line work all the better. If he is salary or ...

[ Total Answers: 1 ]

 
 

Asked 10/24/2006 05:41 pm CT (OLATHE, KS)

I RECENTLY REFINANCED DUE TO FINANCIAL ISSUES CAUSED BY BIRTH OF A SECOND CHILD AND MY HUSBAND CHANGING JOBS. IT STILL SEEMS THAT WE CAN'T AFFORD OUR HOUSE ANYMORE, BUT WON'T BE ABLE TO SELL IT FOR WHAT WE OWE. THERE IS A FIRST AND SECOND MORTGAGE. WHAT ARE OUR OPTIONS?

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Teresa, As you already know, you do not have many options. One may be to find an investor or someo...

[ Total Answers: 1 ]

 
 

Asked 10/18/2006 02:04 pm CT (Kansas City, KS)

My husband and I are going through a divorce but have been seperated for a year I moved out of the home and filed a Quit-claim deed. The house will possibly foreclosed on. Does that release me from the mortgage and protect me from the foreclosure?

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When you signed your mortgage papers, you agreed to be held liable both jointly(with your husband) a...

[ Total Answers: 2 ]

 
 

Asked 10/12/2006 11:03 am CT (Florence, SC)

My ex-husband and I divorced in 1999 and shortly thereafter the home we shared was foreclosed on (1st mortgage). According to our divorce papers, he was responsible for 1/2 of the remaining cost of the 2nd mortgage. He died in 2000. Am I completely liable for the entire amount of the remaining 2nd mortgage?

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You shouldn't be liable if you have divorce papers removing your responsibility, 1/2 he was responsi...

[ Total Answers: 1 ]

 
 

Asked 10/03/2006 10:42 am CT (cranford, NJ)

Hi-just had a question, we were just preapproved for a max mortgage of 370k, based on a 100% loan, 5% down-however, our dream house stands firm at 399k, do we have any options, (besides saving longer to put more money down) to be able to swing the price of that home? Its a home that we could see staying in for the rest of our lives. Any other avenues that might be explored that we are overlooking? My husband's credit is phenomenal, mine is being rebuilt and therefore is just barely at the cusp of "good." Is there a particular mortgage that might lower monthly payments for us to afford the price of this home? Any suggestions you have would be appreciated thanks so much!

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in acordance with 18 united states code, sub 1010, 1011, 1014, and 1344 all cover various types of f...

[ Total Answers: 4 ]

 
 

Asked 09/17/2006 05:50 pm CT (Mission, TX)

I am just curious about something. My husband and I purchased a house for 70,000 in November 2005 in South Texas. The house was appraised for 86,000. We have a 30 year mortgage and we pay 632.00 a month. We are now wanting to move to Iowa for personal reasons and are wondering how to go about selling our home already. Will we be able to get any money out of selling it? When we move to Iowa we will have to be paying rent at first plus our mortgage until it sells. That will be kind of hard on us to do. How long does it take on average for a home to sell?

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Hi Heather. You need to request a payoff on your home immediately. I'm not sure about Texas, but m...

[ Total Answers: 1 ]

 
 

Asked 09/16/2006 07:09 pm CT (Mayport, FL)

Hello, Is it possible to borrow more money then a house is listed for? My husband and I have debt and would like to buy a house and roll our debt into the monthy payment. That way we can have a fresh start in a new home? Any advice you can pffer is wonderful. -Thanks. Dawn

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There are a number of options available for you and your husband. One of which is a 125% loan where ...

[ Total Answers: 2 ]



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