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Asked 04/14/2009 06:27 pm CT (Cincinnati, OH)

I was seperated the past 5 yrs from my ex husband after 27 yrs of marriage we own a home which I stayed in after he left 5 yrs ago we finally divorced aug 08 i didnt think I could afford to keep it and he didnt want it then he gets a g/f 20 yrs his jr decides he wants the house during the divorce for her (of course). In the decree it states he was to refinance the home he has not thus far, I let him and her move in nov 08 i moved into an apartment. he borrowed 3000.00 towards paying me my half of the equity, he still owes me money and both our names remain on the mortgage and deed.he really doesnt want the house but i do and to boot I recently found out the g/f who is living in our home has a violent criminal record and has even been in prison she is very unstable I did not know about this or I would have never agreed for her to move into the house. he doesnt want to know and shes hounding him for her name to go on the deed which cant happen because there is no way my name comes off the deed while I am still on the mortgage. I am very concerned she may go "off the deep end" yet again and do something to the house as I said her criminal record shows she is clearly unstable she has thrown our daughter out of the home and moved her 13 yr old son in. Since he failed to refinance and the house remains in both our names he cant refinance as he waited too long and now is paying spousal support to me while Im in college. my 2 questions are what rights do i have to the house? and is it possible to evict this woman before she does irrevocable damage? he wont face this wont listen doesnt want to know if he chooses to live with a convicted violent felon thats his perogitive but I do not choose to have that living in a home I still own and am responsible for.I would much rather give him the 3000.00 back he has paid me and not take anymore payments from him and take back my house ..any advce?

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Asked 03/16/2009 12:44 pm CT (Dallas, TX)

My ex husband and I owned a home together. We divorced and I signed a quit claim deed so that he could refianance the home in his name using his VA and I could have mine back. He has yet to refinance the home. It has been over thirty days. If he does not refinance the home what are my options?

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Dear Kelly, in order to remove your name on this loan, your exhusband has to refinance this property...

[ Total Answers: 2 ]

 
 

Asked 03/13/2009 02:11 pm CT (Hillsboro, OR)

My husband and I recently refinanced our home and it is in both of our names. If we were to divorce and I were to go to school full time in a different state, how would we go about splitting the cost of the home? With the market being so bad, I doubt we could sell it for what we owe since we consolidated our debt with the refi. Would it be more realistic and financially wise if we were to remain married but live apart? We both are willing to do what is financially best. What are the options that would be fair to both of us?

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Asked 03/05/2009 11:37 am CT (San Francisco, CA)

My husband and I both owned homes prior to marriage, intended to sell his but cannot. We bought a home together, I am the sole person on the mortgage loan of our joint home but he is on the title. Our circumstances have dramatically changed and can no longer afford his home. I am not on the mortgage or title as he bought this two years before we were married in Jan. His home was never refinanced and is the original loan. We paid 15% down on the current home but likely have very little equity. If he forecloses on his home, will it affect my credit? Also, can they put a lien on the current home for which he is on the title but not on the loan? Thank you so much.

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Consult an attorney. However, your credit cannot be affected by a default on a mortgage you never q...

[ Total Answers: 1 ]

 
 

Asked 02/28/2009 01:54 pm CT (ogden, UT)

I am married due to religous reasons I will stay married but I would like to buy my own home. I have been removed from my husbands mortgage. I have excellent credit have been approved for 150000.00 loan but due to the marriage lenders wont give me a fha loan what can be done?

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Traci - you're going to want an FHA loan. Did they give you reasons why you can't be approved for a...

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Asked 02/25/2009 09:34 am CT (Atlanta, GA)

My husband and I have 24 years left on a 30 year fixed at 6%. I am concerned about losing my job and want to know if we should refi. If so, should we go 20 year or 30 year?

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Consult w/ your mortgage broker. If you intend to live in your home longer than it takes to breakev...

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Asked 02/23/2009 10:26 pm CT (Fort Worth, TX)

My husbands credit score is around 480 and mine is 560. We are looking to buying our first home. Any suggestion as to what programs can help us. thanks

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Consult w/ a mortgage broker to determine a plan of action. You will need to work w/ a credit exper...

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Asked 02/20/2009 04:53 pm CT (Spokane, WA)

I live in Pullman, WA. I am married and we have a joint mortgage loan. I would like to take out either a home equity loan (preferably) or a personal loan individually because the credit card debt we have is mine, not my husband's. Since Washington is a community peoperty state, would he have to be on the home equity loan or can I take it out alone?

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You can take out the Home Equity loan yourself, based exclusinvely on your credit and income. Howev...

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Asked 02/10/2009 01:39 pm CT (Montgomery, AL)

HELP!!! My husband and I are trying to refinance for a lower payment, but we cannot find a lender to refinance. Our interest rate is a 20yr fixed @ 9.25% and we owe @105k. My credit score is 715, but my husbands is 566. My debt to income ratio is too high to refinanace by myself. What should we do?????

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p.s. - If you'd like someone else to handle credit report disputes, try http://www.lexingtonfs.com/ ...

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Asked 01/30/2009 10:53 am CT (Florence, KY)

I am a homemaker with a credit score of 566 my husband has been on the job for 6 month, his credit score is 540 we have $3,000 to put down on a manufactured home ranging for 30,000 to 40,000 can we get fininaced?

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Not likely. Work on your credit scores by paying down credit card balances and disputing incorrect ...

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Asked 01/29/2009 06:55 am CT (New York, NY)

I have a credit score of 480 and my husband is 490, I want to be able to get approved for a mortgage for at least 335k. My husband makes 55k and I make 45k. I understand my credit score is crappy but there has to be someone out there to help me get a home.

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Not really. No conventional lender that I know of will offer a loan w/ those scores. The only opti...

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Asked 01/23/2009 11:28 am CT (New York, NY)

my husband and i own (purchased together 10 years ago) property in upstate new york. his only is listed on the deed (the mortgage is paid). he passed away on thanksgiving - how would i be able to sell or how do i get my name on the deed. i am his sole beneficiary.

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Consult an attorney or ask the county recorder's office what they require to record a new deed....

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Asked 01/13/2009 01:49 pm CT (Los Angeles, CA)

My husband and I have secondary property that is in foreclosure. The properth has a first and second mortage loan. We were told that we must pay the second mortgage loan or we will be sued.

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I do not believe that is true, what I suspect will happen is when the property is foreclosed on you ...

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Asked 01/13/2009 01:48 pm CT (Los Angeles, CA)

My husband and I have secondary property that is in foreclosure. The properth has a first and second mortage loan. We were told that we must pay the second mortgage loan or we will be sued.

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Not necessarily true and there is no point in paying the 2nd if you can't pay the first. The 2nd wil...

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Asked 01/13/2009 01:47 pm CT (Los Angeles, CA)

My husband and I have secondary property that is in foreclosure. The properth has a first and second mortage loan. We were told that we must pay the second mortgage loan or we will be sued.

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Not true.

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Asked 01/13/2009 07:05 am CT (Lafayette, IN)

I would like to know if you could put Jan, payment in back of the book,I am off of work, I am no med. leave and have not started getting my sick pay yet.and my husband gets paid every two weeks and he does not bring home enough money to pay all of our bill. and I would like to know if our payment will be going back down soon.

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You would need to check with your lender and see if they have a program that allows you to do that....

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Asked 12/29/2008 08:40 am CT (Reston, VA)

Hi, I need to find out is it possible to ask our mortgage lender to skip a month payment?. My husband were out of job and we ended moved to Virginia 2 years ago from Hawaii when he got a job here. We have a house in Hawaii. Tried to sell it but no luck. We survived paying our mortgage by renting it out. 3 months ago our house was vacant again and we were struggling to find a tenant. Finally we got one unfortunately they going to move at the end of the month which will put us no money left to pay mortgage for this month. My question is, is it possible if we ask the mortgage lender to skip a monht payment knowing the money will come in next month forward?. We never miss our payment so far. This is consider our only house since we are renting in Virginia now. Thank you so much.

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Norlidah, thank you for your question. First of let me explain a bit about your mortgage payment. Y...

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Asked 12/28/2008 12:44 pm CT (Miramar, FL)

I am married and we own a house that's under both of our names. We want for my husband to keep the house under his name only, we are not getting divorce. I want to buy an apartment under my name and if I have a loan I will not qualify. What steps do we have to take so I can withdrawl myself from my current loan. Thank You Julia

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The only way that you can get the debt out of your name is to refinance the property in your husband...

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Asked 12/01/2008 05:49 pm CT (Atlanta, GA)

I was wondering if i am on a mortgage with my husband does he need my signature to sell the house?

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Only if your name is on the deed.

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Asked 11/24/2008 09:15 am CT (Norwich, CT)

My husband's father passed away this November. Before he passed he quick claimed his home to my husband. My question is, do we have to refinance the home in our names, or can we take over his mortgage with the low percentage rate that he had?

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It depneds on what type of mortgage he had. Today's rates are the lowest in years. so it would be a ...

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