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Asked 11/30/2007 08:09 am CT (sheboygan, WI)

we missed last months mortgage my husband just returned to work after a 5 month layoff we cant make this months payment either but we can mke our payment in dec thats when he gets his first check . our motgage cop. wont work with usthey said we had to make our payment by todaywe have a wheda loan no programs as they say, what do i do?

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Hi there, I have some questions I need answered before I can help you. 1. Has your loan payme...

[ Total Answers: 1 ]

 
 

Asked 11/27/2007 10:14 am CT (Dearborn, MI)

My Father purchased a Home for us in 2005 .He pass away two days later Mine and my Husbands name are on the Quit Claim deed but not the mortgage .We have been making the payments and paying the taxes ..My Father did not have a will and the mortgage company will not let us discuss anything about the mortgage because our names are not on it ..Do you have any suguestions ? Thanks

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Did you get what you needed for your question?

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Asked 11/12/2007 07:42 pm CT (Sulphur, LA)

My Husband And I signed over the deed to our home July 16th 2007 because the Mortgage had become too much for us to keep up with. We were behind on a few payments and were trying to sell our house by owner and even with the help of a real estate agent. .After a few months of trying we decided to contact an investor who said if we signed an assumption of deed over to him, he would make the payments until he could find someone to purchase it. Well, he did find someone to do an owner finance for at a year..they paid him a generous down payment and then monthly payments as well. Since we were behind the investor had to work out a repayment plan with our lender. this was spread out over a years time,and is still reporting late on our credit...further damaging it and we are still responsible for the note even though we signed over the deed. I talked with him about selling the property now so we could be off the loan, but the agreement he signed with the people now living in our house says they must wait a year to obtain financing. The reason for this is we have equity in our home and will have even more when the pre-payment penalty drops off next year. he is stands to make at least$30,000 off our home and we walked away with nothing. He has not made one payment on time in the last few months and the Mortgage company keeps calling us. I called the people living in the home and discussed the arrangement they have w/the investor. He has mislead them in many ways and us! they were not aware that we were still on the loan! Now I am wondering what my legal rights are in reassuming my home or even working out something with the new tenants to sell outright to them at a lesser amount. Do we have any rights? Our credit is not in great shape because of late payments, A discharged Ch.7, medical bills( all three of our children had tonsils out), I have not worked for the past few years, etc. BUT I am now working again and our Monthly net income together is $5800. Could someone please help us to repair our damaged credit and possibly gain control of our home again so we can make a profit from it and further improve our credit. Jen

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Asked 11/09/2007 06:11 pm CT (Suffolk, VA)

Me and My husband want to purchae another home. the home that we current own we where behind a couple of times but we are caught up and been caught up for 7 months will that hurt our chances when we try to sell our home

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Asked 11/07/2007 06:03 pm CT (Columbia, SC)

I have purchase home and the loan is in my name. But my husband is on the deed and title...Well I just received paper that my house have a lien on it because of my husband back taxes..I also want to refinance. Can I remove him from my deed and title to get the lien of my home.

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Sonji, You need to check with an attorney to get proper legal advice. You mention you want to re...

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Asked 11/06/2007 03:21 pm CT (Bath, PA)

My husband and I are in a ARM and our rate has gone up to 10.5 and our mortgage payment has gone up $350. It is getting very hard to keep making our payments and we would like to refinance into a fixed loan. The problem is that we are in a chapter 13 bankruptcy for 3yrs. We are almost done with it we only have 4 more payments then we need to wait for the discharge paper. From what I hear it can take up to 6 months to get that. So that means we have another 10 months till we get the discharge paper. Is ther anyway to refinance now without a bankruptcy buyout>?

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Call me. I am 20 mins away from you. I would like to see if we can help. 484-358-2378 or email a...

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Asked 10/31/2007 12:41 pm CT (Toronto, Ontario)

My husband and I are considering a $200,000, 25-year mortgage, 5-year term mortgage at a rate of 7.5%. Considering fixed-rate mortgage rates compounding semi-annually, what will our loan balance be after the first 5 years? Also we hope to make a $10,000 payment directly against the mortgage balance at the time of renewal, 5 years from now. How much can we reduce our mortgage payment, assuming we renewed the mortgage at the same rate and for the same remaining term of 20 years? How much money can we save overall? Thanks!

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Hi Renee Most of teh brokers on here are from the USA and they have different mortgage calculations...

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Asked 10/28/2007 11:38 pm CT (Canonsburg, PA)

We have 8.010 fixed on our mortgage from 3 yrs ago can we refinance at a lower rate now with 680 fico, also want to borrow 60,000 against to pay off credit cards, bills ect...Want to use only husbands SS but my income as well because my credit is not quite as good, is this possible. We would use about 118% of the value of our house, can you direct us to a lender that will not"grill" us for information and that would be easy to use to get a refinance and that extra $$ to pay off debts. We really appreciate your help!

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Asked 10/27/2007 03:28 pm CT (Bartlett, TN)

My husband and I purchase our 117,000.00 home in Jan. 2007. The thing is ;we want to refinance to get our $1036.00 ARMS mortgage payment down before it get any higher and to get a fixed rates. We ask for fixed rates when we purchase the loan, but end up with ARMS.At the time we thought ARMS was a fixed rate. Our mortgage company has send us several letters trying to get us to refianace for a fixed rate but we're so confused.

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Hi Lora, There are quit a few folks out there that are looking to "dump there" ARM and get into a...

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Asked 10/22/2007 01:45 pm CT (Brentwood, CA)

My husband passed away a few months ago. The mortgage was in his name only. What do I have to do to have the mortgage put under my name and social security number for tax purposes?

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Call your lender and ask them. You should also check with the title company that closed the most rec...

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Asked 10/21/2007 05:53 am CT (west haverstraw, NY)

my lawyer wants me to sign the deed over to my husband per our settlement for separation and divorce. My ex's lawyer is suppose to hold it in escrow. I got paid for half the hourse already, but don't understand why I have to sign deed now when my name should by removed once he pays my the other half of my money first. Should'nt his lawyer just hold the deed without my signing anything?

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Do not do anything with out consulting with your OWN lawyer that would have your best interest @ hea...

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Asked 10/17/2007 10:28 am CT (Jackson, MS)

My husband and I are building a 350 to 375K home. We are trying to get this done on my credit alone. He invests in properties and we want to keep his credit free for that purpose. My average credit score is 795 and my income is only $55K. I don't have any debt (no car pmt, credit card bills, etc). My records indicate I can't afford a $350K house note, but in actuality WE can. How can we get this done without using my husband's credit/information. Can I receive gifts? If so, how does that work?

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Kathy, I have complete constrcution division at my company that may be able to help you with this...

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Asked 10/17/2007 08:08 am CT (Plainville, MA)

My husband recently passed away. The mortgage is in his name. The deed has both of our names on it. Do I need to refinance? Or would it have to be a new mortgage? We have 200,000. left on the morgage, and 280,000. in equity. Iam also looking to lower my mortgage payment, what are my options?

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You don't necessarily need to refinance, but, if you would like to try to get a lower payment the fi...

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Asked 10/14/2007 01:18 pm CT (Little Rock, AR)

My husband and I are first time home buyers and will have some money for down payment/closing cost. We were wondering if it is possible to get a loan for more than a price of a home to buy furniture or pay off a car etc?

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No and Yes. No you cannot borrow more than sales price to payoff debt but there are still 100% fina...

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Asked 10/14/2007 12:04 pm CT (Lafayette, LA)

my husband and I have credit scores between 550 and 580, He has 10 year job history and I have 3 years. We own land and are looking to buy a new home. Are there any lending companies that would finance a home using our land as the down payment even with our current credit score.

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Yes it may be possible but we strongly recomend you consult with a Mortgage professional who has exp...

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Asked 10/12/2007 09:31 am CT (Winnsboro, SC)

My husband and I refinance house loan after a year they sold our loan to another mortgage company that we now have for about 2 years now the payment has went from 606.00 to 775.00 plus about 10,000 dollars add on to the account. What can we do to correct this problem?

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More than likely your payment has gone up because your taxes, insurance, or adjustable rate has gone...

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Asked 10/10/2007 02:21 pm CT (rosemead, CA)

how long before my daughter can grant deed he part to my husband she is the co borrower and he is the buyer she want to know .

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Asked 10/09/2007 12:39 pm CT (Washington, DC)

Hello, My husband filed chpt. 13 in order to save our home, however the loan company "worked" out an agreement in which we paid $2300 a month not inclusive of the rent we pay of $1100 monthly. Needless to say it was a disaster. The house went to foreclosure in sept. The loan was in his name. I am interested in purchasing a home in a few months and wanted to know if I could include him on in the obtaining of a mortgage? I plan on purchasing in the next 6-7 months , at that time he would have been in clpt. 13, 19 months. How does the foreclosure affect the chpt. 13?

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Sorry, I meant Nicole!

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Asked 10/08/2007 04:08 pm CT (seven valleys, PA)

My husband and I are both named on the deed to our home, but the mortgage is in his name only. If we were to default on the loan, would the credit adversely affect us both?

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Carrie, If you are not on the loan, then you were credit should not be affected by it. If you ...

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Asked 10/04/2007 09:59 am CT (Newport News, VA)

My husband and I are listed on the deed for our rental property in Virginia. I'm in the Air Force. We currently live in Maryland. We have had two mortages on the house both in my name only because of his poor credit history. I refinanced last year while we lived in California and did not have to have his signature on any of the paperwork. I may need to refinance again this year. Does Virginia law or Maryland law require that I get his signature on the closing documents?

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