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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...

[ Total Answers: 1 ]

 
 

Asked 03/15/2008 04:51 am CT (toronto, Ontario)

I didn't know that when I sign my closing mortgage paper from the bank it shown a different property address than the one I purchase? Can it be fix ? Do I have to go and sign the closing mortgage paper again with the correct property address?

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Asked 03/13/2008 04:10 pm CT (Arlington, TX)

show me how to eliminate private mortgage insurance(PMI) from my mortgage loan.

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This is quite easy to do in today's market. There are multiple opportunities to take advantage of bu...

[ Total Answers: 2 ]

 
 

Asked 03/12/2008 06:43 am CT (Washington, DC)

I am relocating, and my employer is paying my relocation expenses. My empl9oyer utilizes a Third Party Relocation Company who provides a Guaranteed Home Sale Offer. I have learned that the Third Party Relocation Company does not pay off the mortgage, but assumes or services my loan until the home is sold by them. Does this impact my Credit Score, or my ability to obtain another mortgage?

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Asked 03/12/2008 06:41 am CT (Washington, DC)

I am relocating, and my employer is paying my relocation expenses. My empl9oyer utilizes a Third Party Relocation Company who provides a Guaranteed Home Sale Offer. I have learned that the Third Party Relocation Company does not pay off the mortgage, but assumes or services my loan until the home is sold by them. Does this impact my Credit Score, or my ability to obtain another mortgage?

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Asked 03/11/2008 04:45 pm CT (bayonne, NJ)

what happens if the owner where I rent hasn't paid the mortgage in the last 6 months? Should I worry for my family?

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yes! the lender will eventually start foreclosing, (if not already). In the event of foreclosure y...

[ Total Answers: 1 ]

 
 

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 ...

[ Total Answers: 2 ]

 
 

Asked 03/09/2008 11:50 am CT (Brentwood, NY)

I am unable to get a mortgage or loan on my own to purchase a mobile home in NYS, on Long Island. A friend in Texas is willing to try and apply for one in her name for this home in NY. Will she be able to originate the loan in Texas. There are only two banks in NY who do this in NY for NY - will this make a difference?

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Find a mortgage broker who deals w/ mobile homes. They will likely have access to lenders & investor...

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Asked 03/06/2008 08:10 pm CT (BLOOMINGTON, IL)

I am four years into a 30 year mortgage. I have inherited some money and want to pay off the mortgage. Since the interest is paid in the first ten years should I get a refund of some of this interest?

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Interest is non-refundable. It's the earnings for an investor. For example, you have your money in a...

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Asked 03/05/2008 07:07 pm CT (memphis, TN)

how do mortgage companies handle split files when applying for a mortgage

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Asked 03/03/2008 01:06 pm CT (boca raton, FL)

iam 5 months behind in my mortgage and my lone co whats me to sigh a premiere note what is that ? and will that help me?

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Asked 03/01/2008 08:15 pm CT (South Bend, IN)

I have a credit score just over 700, a steady job, I own my car outright, and have about 12k of school loans. (no credit card debt). I make just over 33k a year and am wondering if I could ever get approved for a mortgage with such an income. Should I bother applying?

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Of course you can, Tracy. Questions are...can you afford the pymts AND is the approved loan amount ...

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Asked 03/01/2008 11:45 am CT (Moreno Valley, CA)

If my first mortgage agrees to a modification.But the 2nd or equity line does not?Can they foreclose?How do expect to get paid if homes are so low in value,and then the first would be paid first.Could they not just paut a lien on home?Why I 2nd's so difficult to deal with?

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Asked 03/01/2008 05:25 am CT (Harlingen, TX)

I have a fixed rate mortgage that is 13 years old. Can my mortgage company legally raise my monthly payment from $694.37 to $978.05?

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Not if it's truly a Fixed Rate Mortgage.

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Asked 03/01/2008 05:22 am CT (Harlingen, TX)

I have a fixed rate mortgage that is 13 years old. Can my mortgage company legally raise my monthly payment from $694.37 to $978.05?

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Asked 02/29/2008 10:51 am CT (Minniapolis, MN)

I was wondering, there are several new construction homes going up for forclosure and My wife anfd I were wanting to try and get into one. The problem is our credit is not good, Im about a 545 and she is 530. the house we are wanting is 200,000. She does not work and I work seasonaly. I really cant prove my income. Is it possible for us to get into a home with no money down. I have a mortgage right now and have had it for about 7 yrs and have about 6 30 day lates...My wife is not on my hoe laon or car loans. Is this possible?

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It's not realistic. Work on building up a down pymt and improving your credit score. That will go a ...

[ Total Answers: 1 ]

 
 

Asked 02/29/2008 04:21 am CT (baltimore, MD)

Hi I am doing a refiance of a mortgage from a bank in house closing and received the closing paper by mail to sign as of 2/27 i \'ve closed ,now i must send in the closing paper and closing cost plus extra cash to pay off some credit card debt ,on 3/4 the fund will be debust my prolem is i must get this extra cash for a line of credit accont because i did not expect to pay off my credit cards if i borrow this money will this stop the closing of this loan , the funds will be at the agent office on time I just have to get it from my line of credit account

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Asked 02/27/2008 06:55 am CT (Alexander, AR)

How many individuals can be listed on a residential mortgage in Arkansas?

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Asked 02/26/2008 05:10 pm CT (chicago, IL)

We bought a townhouse w my exboyfriend a 3.5 years ago. He is from Europe and in December2007 he went back. Refused sign the deed for me and just left. He is never coming back becasue he was not legal in USA. His name is on the deed and mortgage. He also left some debt on the credit card. Credit cards are only on his name. Is there anything I can do to get him off the deed? I dont even have a contact to reach him. I dint think I will ever hear from him again.Thank you for any of your advice.

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Asked 02/26/2008 03:10 pm CT (west babylon, NY)

Back in May 2007 I purchased a home but could not get a mortgage therefore my father took out a mortgage for me. We both are currently on teh deed but not on the mortgage, how can I transfer the loan over in my name and remove him off the deed.

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All the options available would require you to qualify on your own for the existing mortgage if it's...

[ Total Answers: 1 ]



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