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Asked 03/20/2008 08:36 am CT (Elkhart, IN)

My exhusband passed away in Feb. Prior to that he quitclaimed his house to me. (It is recorded at the county). His daughter from a prior relationship-there is question she is even his real daughter-came to me offering to claim the house so that I would not have to pay inheritance tax. I told her no, and am proceeding with filing the return. My question is, can she put a claim against the house?? If so, would she have to prove she is his daughter. There is also a vehicle she wants of his.

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Asked 03/17/2008 05:07 pm CT (las vegas, NV)

my husband had bought this house about 4 years ago before we had got married. so my name is not on it. my questions is it going to ruin my credit also if he foreclouse on it? we can no longer afford the payments. And could i buy another house in my name?

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If he qualified and purchased the home on his own, any problems w/ the home would only affect his pe...

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Asked 03/17/2008 11:25 am CT (Ivins, UT)

My husband and I bought a home about 8 years ago. It was our first home and we got scammed into taking on a balloon payment of $20,000 due after the first 2 years. Needless to say we couldn't pay that much all at once. We went to a place trying to refinance and they ran our credit so many different times that they decreased our credit score below what they said they would allow and refused to refinance us. This took so long that by the time they told us they wouldn't refinance us the balloon payment was up and we were being threatened with forclosure. We decided then to do a chapter 13 bankruptcy to pay back this amount owed in a way that we could more readily afford. Between now and the time that we filed the bankruptcy I have lost my job 4 times. 2 times due to downsizing companies, once due to health problems, and once due to an employer who decided after hiring someone they knew they would have to train, that they couldn't spare the time. Through all of this I have tenaciously found the way to make my mortgage payments along with my chapeter 13 payments. Now however it seems to me like my mortgage company is trying it's darnedst to take my home (which has risen in value to almost 3 times what we initially got the loan for). I was late on a mortgage payment once and they filed for a dismissal of my chapter 13 so that they could forclose. I pulled it out and made all the payments needed so they dropped it. The legal document filed, however, said that if after 3 times of payments not being on time they could dismiss the 13 and forclose right away. Since the first time I have paid my payments on time and made sure to get proof of delivery from the postal service each time. They have since claimed that I was late once before, which I proved incorrect, and now they have sent me a document that says that I have alledgedly been late again and they are going to forclose. I have only $500.00 left on my chapter 13. If I get my bankrupcy lawyer to fight it, he will tack on more money for his services to the 13 and it will take longer and I'm not sure this mortgage company is going to give up on trying to forclose on me! What should I do? Even when the 13 is over I will still be with the same mortgage company and probably still be facing forclosure every time they decide they want to mess with me!

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Get away from that mortgage company AND make your pymts on time. If you can't afford the home, I'd s...

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Asked 03/14/2008 07:21 pm CT (jasper, TX)

My husband and I purchased property but it is only in his name. Does it still jointly belong to me?

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I believe Texas is a "community property" state meaning that any property acquired by either spouse ...

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Asked 03/12/2008 04:28 pm CT (east liverpool, OH)

My husband & I had a bankruptcy discharged 7/25/07. ( we filed under 1 time only, unforeseen circumstances- SUDDEN DISABILITY...) I have re-established credit & my score is still rather low- my middle score is 606. My husband, however, has been unable to qualify for credit & his mid score remains around 530-540. I know we would get a better rate if we waited 2 yrs since the bankruptcy, but we need to move soon. We are both on SSD now & make a combined monthly income of $1293, & right now we are paying almost $500 a month for rent. ( we have been here 2 1/2 yrs & we have never been a day late) We want to buy a modest home - a loan for maybe $40,000-$45,000. PLEASE, I know there has to be a loan program out there for us. I WOULD REALLY APPRECIATE IT IF YOU COULD TAKE TIME OUT OF YOUR BUSY SCHEDULE TO TELL US WHAT TO DO & MAYBE POINT ME IN THE RIGHT DIRECTION. THANK YOU SO MUCH,CJ

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Asked 03/09/2008 11:20 pm CT (Evansville, IN)

After my husband died I was unable to keep up with my mortgage pmts. The attorney suggested a chapter 13 since the house is half paid for& is now an asset. How can I refinance to pay off the bankcruptcy and still have a mortgage pmt with bad credit from the bankcruptcy?

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If you are 62 or older you may want to consider a reverse mortgage You can call me to discuss this ...

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Asked 02/25/2008 07:34 am CT (Conyers, GA)

I contacted my mortgage company 4 months ago for help. My husband\'s pay decreased and we were beginning to have a difficult time paying our mortgage. They told me I qualified for a Loan Modification. I did as they asked and sent in a financial worksheet, pay stubs etc.. They said I would get an answer in about 4 to 6 weeks and I didn\'t need to make any payments until I heard from them. Two months later I hadn\'t heard anything. I contacted them to find out the status. They said they were running behind and I should hear something soon. Well last week I received a letter from an attornys office informing us that our home was going into foreclosure. My mortgage company now tells me they need my information to be sent in again and if they are not done by the date of foreclosure they would postpone it. I am afraid at this point. I have a feeling they won\'t be done with my modification in time. Is it true a mortgage company would postpone a foreclosure in order to work out a loan modification? What should I do?

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Asked 02/20/2008 03:32 pm CT (syracuse, NY)

an we qualify for a FHA mortgage? My husband currently has our home mortgage in his name ony (I filed for bankruptcy 4 years ago and could not be on mortgage because it wasn't long enough). the current mortgage has been over 30 days late several times in the last 1 year due to loss of a job. his credit score is 618 mine is 692 we are paying all of his credit cards in full in the next week with tax refund but keeping accounts open. We are looking to purchase a home in Georgia. with this negative credit with current FHA mortgage what are the chances.Any lender suggestions for the Atlanta georgia area Our combined income is 99,000.00

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Gina, FHA is known for its less stringent guidelines than fannie mae. Thank you for the details yo...

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Asked 02/13/2008 05:12 am CT (Rochester, NY)

If my husband files bankruptcy (chapter 13 or 11) what will happen to my half of the equity in the house? I am not on the mortgage, but my name is on the title/deed. Will the bank take control of my portion of the equity?

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Jen, you will need to consult with an attorney on this, as there are many different scenarios that c...

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Asked 02/12/2008 09:27 am CT (sewell, NJ)

My husband and I would like to purchase a house. I have a recent bankrupcy so he will have to do the mortage by himself. His credit scores are not great 556,562,570 . Would a mortage of about 170K be possible with these numbers? we are looking into a FHA loan or similar with a very low down payment

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Asked 02/08/2008 05:47 am CT (Reading, PA)

My husband and I have decided to relocate to North Carolina. With the sale of our small row home we plan to have 20% to put down on a house in the 115K range. Our credit is in the mid 600s. How do we go about securing a loan in another state and do we need to have jobs in the new state before we apply for the loan?

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Michele,,. I am a local lender to you now and could pre-qualify you for a home mortgage in NC. Plea...

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Asked 02/07/2008 03:15 pm CT (Reno, NV)

My husband and I purchased a home in 2006 with a 2 year fixed rate that is due to reset in aug 2008, we will not be able to pay our mortgage when this happens however so far we have no history of late payments, we tried to see if we could refinance with our lender they said do to our loan being now worth more than our house is they will not be able to do so.. is there any other options we have other than forclosure

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Asked 02/03/2008 06:15 am CT (Philadelphia, PA)

I have a friend who's father in-law help them purchase a home, he titled it in his name her husbands name & her name. That being the three of them on the title with Rights to survivorship. But the mortgage is in the father in-laws name only. If he passes away can they just continue to pay that over the next 30 years or do the have to obtain a mortgage on their own. If that is the case what happens if they can't get approved for a mortgage ? I would hate to see them lose this home over this in the event of his death.

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Asked 01/31/2008 10:41 am CT (Enola, PA)

Hi, my mother passed in 2002 and my husband and I moved in with my father and I am his power of attorney. I have 7 other siblings and they all agreed on the POA. His home is paid for. He is 86 years old and in pretty good health. As of right now he has a will and a living will. In his will he has it stated that when he passes all living siblings split everything. His house his worth about two hundred thousand. My husband is going to be 58 years old and I told my siblings that if we have to live with my father for another 5 years or so until he does pass that my husband and I will not be able to go out and by a house and get a mortgage anywhere and asked them what they thought about my dad's house being put in my name. They all agreed with this and I talked to my dad about it and he doesn't have a problem with leaving me the house so my husband and I have a place to live after my father passes. The house is starting to need some repairs and my father doesn't have the money for them so I thought if my name was on the deed or whatever then my husband and I could refinance the house and get a home equity loan and use that money to fix the house up and my husband and I would make the payments on the loan. What can we do in this situation, I told my siblings that if we don't start taking care of the house repairs it isnn't going to be worth much in 5 or 10 years down the road if I don't get on the deed and do something about it. Other wise I told them i am going to have to move out rather than put my own money into a house that isn't mine.

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You're absolutely right. Keeping up on home maintenance is one of the best ways to preserve the val...

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Asked 01/27/2008 04:48 pm CT (The Woodlands, TX)

After a nasty divorce in early 2006 and a huge dispute with a loan, that has yet to be resolved, my credit rating is at an all-time low of 518. The dispute with the loan will be resolved and removed from my credit in September 2008. In the meantime, my husband (who has a FICO of 670, because he has new credit - no true negatives) and I have been building a house in Texas that will be ready in late February of this year. We have around 5% to put down (11-12k) on a loan house purchase price of $259,000. Our income combined is $112,000 per year. We both make exactly $45,000 per year, plus his military pension of $12,000 and an additional $10,0000 in yearly income (yearly gift from my parents). We were originally told we could get an FHA loan, even with my credit, and we believed it. Unfortunately, I was naive enough to not check deeply into the FHA loans and the person arranging the loan was from New Jersey and didn't find out that the FHA loan limit in TX was $201,000. Not having $58k for a down payment, this was not an option. Now, with a brand new house looming ready in four weeks, we are desperate. Is there any way we can get a loan for this house with my 518 credit score, his 670, our low down payment and our income???

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Dear Ready to Buy Your Home, I'm was sorry to hear about your experience withthe FHA. I am in D...

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Asked 01/24/2008 01:30 pm CT (vineland, NJ)

hi...my husband and i are divorced. I kept the marital home & we have a first mortg in my name only & a second in his name & mine. Id like to short sale my house it is currently in forclosure. can i remove his name from the deed while it is in foreclosure.

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TLG - You should contact a RE atty to discuss this. Generally, he needs to agree to have his name ta...

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Asked 01/24/2008 03:04 am CT (paramus, NJ)

When we purchased our first home we were able to get a 3yr arm at 4.25 interest rate however the arm is up in april of 2008. It will go up to 6.25 for 12months if we do not refinance which is likely at this point because of poor credit scores due to loss of employment on my end. My husband's scores are in the 540s and I'm in the 630's. I would like to know if the bank can refuse to retain us when the arm expires bsed on history of late payments and poor credit scores. I am now employed and will gross 80k annually.

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You should sit down with someone and put all cards on the table. Your credit report and mortgage hi...

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Asked 01/22/2008 02:31 pm CT (brantford, Ontario)

Good Evening. I am currently looking at a home for sale in my neighborhood for an asking price of $219,900. My husband & I have never owned our own home. We are a little nervous with the way the economy is right now. Is now a good time to buy a home? Also, I don't even know if we need money down or we go to a private lender or a bank. We are , excuse the expression, virgin home buyers ( or hopefully going to buy this home at all.) I really don't want to loose another opportunity to stay in the area we are currently in. I love the area & you really could'nt find kinder neighbors.Thank you kindly for time & any advise would greatly be appreciated & needed.

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Asked 01/20/2008 03:51 pm CT (Greenville, NC)

My husband and I got married just a month an half ago. He told me and my children to get out last night. My name is NOT on the mortgage but it is on the deed. He told me that I will still have to pay my half of the house payment. Is this true? Is there a way I can get out of it. I don't want anything from the sale of the house.

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No you are not required as of this point to make minimum payments of any kind. I say at this time be...

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Asked 01/19/2008 10:56 am CT (Holden, MO)

my husband and i have a house that we cannot afford we have had it up for sale for about 6 months and have had no call. we are about to lose it. someone told me that we can do what it called transfer of deed in lue of foreclosure and give it back to the loan company to try to save our credit. is this true and if it is how do i go about doing this. thanks

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