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Asked 08/11/2008 01:36 pm CT (Franklin, MA)

Is it possible to get a first and second mortgage with a co-signer for the first and a different co-signer for the second mortgage?

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Asked 08/05/2008 10:53 am CT (Brewer, ME)

If my husband filed bankruptcy chapter 7. It has been discharge. His name is the only one that was on the mortgage but both of our names are on the deed. What happens to me?

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Nothing happens to you. House could be foreclosed on if mortgage is not paid though....

[ Total Answers: 1 ]

 
 

Asked 08/01/2008 05:33 am CT (Waxahachie, TX)

I obtained a mortgage in 8/05. It is an ARM and I have a second mortgage so that I did not have to have PMI. In 7/07 my husband died without any benefits. He had recently lost his job and started a new one, but wasn't eligible for benefits at the time of his death. I have struggled to pay all of these expences that his death has incurred. I am to the point that I can no longer stay in this house....Emotionally, I am a miserable wreck when I am there. I need a way out!! Due to the recent decreased value of homes in my area, my Current Appraised value of my home is less than my 2 mortgages. What options do I have? What happens is I allow voluntary forclosure? Will either mortgage company be able to sue me or place a judgement on me. I know my credit will be ruined, but at this point, my health and over all well being means much more to me than my credit rating. What can I do? [Lee, Waxahachie TX]

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You need to speak with a real estate & bankruptcy attorneys.

[ Total Answers: 1 ]

 
 

Asked 08/01/2008 05:32 am CT (Waxahachie, TX)

I obtained a mortgage in 8/05. It is an ARM and I have a second mortgage so that I did not have to have PMI. In 7/07 my husband died without any benefits. He had recently lost his job and started a new one, but wasn't eligible for benefits at the time of his death. I have struggled to pay all of these expences that his death has incurred. I am to the point that I can no longer stay in this house....Emotionally, I am a miserable wreck when I am there. I need a way out!! Due to the recent decreased value of homes in my area, my Current Appraised value of my home is less than my 2 mortgages. What options do I have? What happens is I allow voluntary forclosure? Will either mortgage company be able to sue me or place a judgement on me. I know my credit will be ruined, but at this point, my health and over all well being means much more to me than my credit rating. What can I do? [Lee, Waxahachie TX]

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Asked 07/31/2008 07:11 am CT (Waxahachie, TX)

I obtained a mortgage in 8/05. It is an ARM and I have a second mortgage so that I did not have to have PMI. In 7/07 my husband died without any benefits. He had recently lost his job and started a new one, but wasn't eligible for benefits at the time of his death. I have struggled to pay all of these expences that his death has incurred. I am to the point that I can no longer stay in this house....Emotionally, I am a miserable wreck when I am there. I need a way out!! Due to the recent decreased value of homes in my area, my Current Appraised value of my home is less than my 2 mortgages. What options do I have? What happens is I allow voluntary forclosure? Will either mortgage company be able to sue me or place a judgement on me. I know my credit will be ruined, but at this point, my health and over all well being means much more to me than my credit rating. What can I do?

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Asked 07/30/2008 05:43 pm CT (Temecula,ca, CA)

ok! Good for Bush,passed the MortgageRelief Bill. Now how the hell do all 400-000 of us use it ? who do we call,ect... please help asap.thanks ,you'll be the first with this info

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Asked 07/28/2008 07:39 pm CT (Austin, TX)

Help...I want to buy a property that I intend to live in once I retire in two years. But in the meantime, I'd like to rent out full time until then. Can I get a second home mortgage or am I required to get an investment property mortgage? Thanks!

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Lenders will expect that you use the home as a vacation/2nd home. In reality, however, many people ...

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Asked 07/24/2008 06:08 pm CT (montgomery, PA)

My father cosigned for my brothers girl friend on a mortgage. His name appears on the deed, note and mortgage. What issues can arise at the time of my fathers death in regards to his estate? I am concerned about both the debt and equity. What is his estate responsible for?

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Asked 07/23/2008 01:00 pm CT (Birmingham, AL)

Where the foreclosed previous owner comes back to redeem the property during the Statutory term, do I get my mortgage payments back?

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No, you don't. In order to redeem the property you must do the same as the person who purchased it,...

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Asked 07/23/2008 09:24 am CT (Converse, TX)

My ex-husband and I purchased a home.My name is on the deed as well as his. But my name is the only one on the note. I don't know where he is and I'd like to refinance the property but can not do it without his signature. What are my options? I've been paying the mortgage and taxes for the past 4 yrs with no help from him.

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Asked 07/22/2008 10:04 am CT (S. St. Paul, MN)

My husband and I are struggling to make our mortgage payments these past couple of months. We've recently filed bankruptcy. Do we have any options as far as lowering our monthly payments?

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Asked 07/20/2008 07:46 pm CT (Ansonia, CT)

My husband and I are first time home buyers in search of someone who is willing to give us a chance. We have had problems in the past with bills ETC, but currently we have been very faithly in keeping all of our current bills paid on a timely manner. Combine we have a gross income of about $66,000 annually, and we have not been able to find some one who will assits us in purchasing our first home. My credit score right now is 560 and my husbands is about 570, my husband does have a judgement that was filed against him last year for about $3200 dollars that we have been making monthly payments of $100 dollars for the past 7 months on. We are only looking to be approved for a loan in the amount of $160,000. Please contact me and let me know if there is anything that you can do to assist us, I am even willing to apply on my own even if it means a lower mortgage approval.

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Asked 07/19/2008 09:24 am CT (brownstwon, MI)

I have been divorced 5.5 years. I have a 1st mortgage (171,000, 30 year, 6.25%) and a second (21,000, 15 year, 8.5%) still in my name with my ex-wife. I signed a quit claim deed to the property during our divorce. She has been 30 to 60 days late on both mortgages almost the entire 5.5 years. She has dropped my credit below 600 becuase of this. She is now going to stop paying the second mortgage because she thinks nothing will happen to her and I will have to pay. What should I do?

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Asked 07/18/2008 05:33 pm CT (cadiz, KY)

If my and my husbands name is on a deed for a property with a mortgage on it, can we take out a second mortgage or an equity loan to build another home with just our names on the loan?

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Asked 07/14/2008 11:55 pm CT (Centennial, CO)

What does UFMIP mean when doing a mortgage loan? Thanks

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Acronym Definition UFMIP Upfront Mortgage Insurance Premium ...

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Asked 07/14/2008 11:55 pm CT (Centennial, CO)

What does UFMIP mean when doing a mortgage loan? Thanks

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Acronym Definition UFMIP Upfront Mortgage Insurance Premium ...

[ Total Answers: 1 ]

 
 

Asked 07/11/2008 01:06 pm CT (Pittsburgh, PA)

If you refinance your mortgage and there are judgements on your credit report, are the judgements required to be paid off with the mortgage refinance? Thank you

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Hi Dina, That is usually the case. If you would like to talk more give Missy a call at 484-224-2...

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Asked 07/09/2008 05:39 pm CT (SACRAMENTO, CA)

MY HUSBANND AND I FILED BANKRUPTCY AND IT WAS DISCHARGED LAST AUGUST 2007. WE HAVE A 2ND MORTG WHICH WE DID NOT REAFFIRM IN THE BANKRUPTCY. WHAT HAPPENS IF WE DO NOT MAKE THE PAYMENTS TO THE 2ND MORTGAGE COMPANY BUT STILL PAY THE FIRST MORTGAGE? THE PROPERTY VALUE HAS DROPPED TO WHERE IF WE TRIED TO SELL WE WOULD BE LUCKY TO GET ENOUGH IN THE SALE TO PAY OFF THE 1ST MORTGAGE. THE 2ND WOULD GET NOTHING- AND THEY WERE INCLUDED IN OUR BANKRUPTCY. IF WE CANNOT CONTINUE TO MAKE THEIR PAYMENTS CAN THEY FORCE A SALE OF THE HOME?

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Asked 07/05/2008 12:41 pm CT (flint, MI)

i just got layoff i can't pay my mortgage anymore what if i let my house go

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Gilbert, Do you have equity in the property? I would absolutely try to sell the home if at all p...

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Asked 06/30/2008 07:53 pm CT (Hartford, CT)

I need to have a cosigner on the mortgage but my name is the only name on the deed. Does the cosigner have any rights to the equity or say in the peoperty??

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Nancy, You should check with someone local to find out what the regulations are for your state. ...

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