BestInMortgage.com Post Your Mortgage Question Find mortgage expert in your area
You are not logged in. Login here. Not a user? Sign Up
Email: Password:
 
Search by Mortgage Terms: Ask My Question


Search: "Signed"

Pages:  1 
 
 2 
 
 3 
 
 
 

Asked 09/14/2009 12:48 pm CT (Chicago, IL)

I was engaged to my husband in 2001. In August 2002 moved into a home. We both paid money at the closing. However my name was never put on the deed or the mortgage. We were married in August 2003. Since then the house has been refinanced 3 times because of my husband's credit card debt. The initial loan was for $109K and is now $192K. In 2007 when we refinanced I signed a homestead waiver, if for any reason he could not pay the mortgage I did not want to be held responsible for the mortgage. He is now in debt again and I am considering a divorce. Even though my name is not on the mortgage or deed and I signed a homestead waiver, do I lose all rights to the property.

Keywords:
                                

 
 

Asked 09/05/2009 04:54 pm CT (Madisonville, KY)

My uncle gave me some property and signed over the deed, now his new wife wants the land back, what are my rights?

Keywords:
        

 
 

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?

Keywords:
                      

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

[ Total Answers: 2 ]

 
 

Asked 11/03/2008 12:57 pm CT (Tulsa, OK)

I signed a quit-claim deed and let my ex husband have the house in our divorce 4 years ago. The divorce decree states that I shall be "held harmless" when it comes to the mortgage My name remains on the mortgage. He rarely makes a house payment on time and has trashed his credit right along with mine. I have defintely been harmed. I am unable to obtain a credit card, a car loan, or any type of loan whatsoever. He only owes $11,000 on the house and it is worth around $150,000. Still yet, with his poor credit and low cash flow (he is self-employed) he says he can not find anyone to refinance the mortgage and release my name; nor does he have the cash to pay it off. He does seem to come up with money when he wants to...e.g. a new Harley Davidson, 2 SUV's, a boat, 2 sea-do's, etc. etc., however, that was before the economy got so bad. My parents have hired an attorney on my behalf and plan to take this matter to the court's in hopes of the issue being resolved. I have researched the matter and am afraid that they might be wasting their hard earned money. Am I completely out of luck, or is there a possibilty this could be resolved somehow? Thank you in advance for any advice you can give me.

Keywords:
                              

 
 

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?

Keywords:
                

 
 

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?

Keywords:
                          

 
 

Asked 06/17/2008 09:24 am CT (Oak Island, NC)

We had co-signed a mortgage on a mobile home, the other party quit paying about seven years ago, so we had to pay the mortgage on it all of this time. We have a home which we own and sometimes it is hard paying both mortgages. It is not being rented out at the present time. Someone told us just to let the bank reposes it. Cant this ruin our credit? and cant they go after the home in which we reside?

Keywords:
          

Teri, If your name is on the loan it will absolutely damage your credit rating if the payments be...

[ Total Answers: 1 ]

 
 

Asked 05/20/2008 07:00 am CT (Phla., Alberta)

Is a co-signer responsible for a VA mortgage? My daughter and her husband are divorced. He lives in the house. He is the veteran. They got a VA loan, she co-signed, but she was not working at the time. The mortgage has not been paid, he is not doing anything about it. What can she do.

Keywords:
                  

 
 

Asked 05/04/2008 10:57 am CT (Pembroke, Ontario)

I cosigned a mortgage 5 years ago and it is up for re signing. I no longer live there and want off of the mortgage. If I do not cosign again I am being told that the other party will have to sell because of bad credit. What happens to my half of the deed, and what if he can not sell for the balance of the mortgage. Am I responsible?

Keywords:
              

Hi Jack. It will be impossible to sell the house for less than the balance outstanding. You and th...

[ Total Answers: 2 ]

 
 

Asked 04/26/2008 10:57 pm CT (selma, AL)

My mother sign a deed of a duplex dwelling to me and my nephew. She died before house payed for. Now my nephew wants ownership and will not continue to help pay his share. which has to be payed jointly. He just filed the deeds she signed 2 yrs after her death. He also owe me for mortage maintenance upkeep. I want my money. Can he take ownership without finish paying what is owed back and now and future.

Keywords:
            

How can he take sole ownership when you state mother signed deeds to your & your nephew?...

[ Total Answers: 1 ]

 
 

Asked 04/17/2008 10:19 am CT (ELK GROVE, CA)

My brother who lives in Elk Grove, CA purchased a house a few years back, then he decided to purchase a second house with the family money. I believe the interest on the second house is fixed. I am sorry, I don't know about the details. All I know, he and the whole family are really pressured due to work and finances. He hasn't been able to refinance the house due to severe real estate problems. He was thinking to give the house to the bank, but as you may know, he will still owe money to the bank and we will lose everything. Are there any creative way for us to be helped? Do you have any suggestions? He is thinking to move to the first house where we had a tenant. The tenant will move house soon, and they are going to move in and he is planning to give the house to the bank. As far as I know he still will owe money to the bank because they will respect the contract which was signed a few years back, even though the purchase price is very low at the moment. If you have any suggestions, please let me know. Regards, nasi

Keywords:
                                    

One option might be to do what's called a "short sale" of the home where the lender might approve a ...

[ Total Answers: 1 ]

 
 

Asked 03/30/2008 06:33 am CT (denham springs, LA)

i owned my lot then built my house before i married. after being married i refinanced.in the refinance papers my wife signed to mortgage any interest she may have had tsaid property "in rem" only, andto waive any homestead exemption rights to which she may be entitled under any louisiana law and any federal laws.this was in exhibit "a".also the exhibit "a". a statement that i was mortgaging the hereinafter described property as my seperate property. my wife signed these papers , is she intitled to anything out of my property?

Keywords:
                  

 
 

Asked 03/27/2008 06:14 pm CT (Jacksonville, FL)

My husband and I got divorced. The divorce decree stated I needed to get a mortgage to refinance within 90 days after the final decree. I did get a mortgage. In the process of getting the mortgage I found that my ex had me taken off the mortgages, first and second. He quick deded the property over to me and I am now in the process of getting a warranty deed onthe property. I want to refinance the first mortgage without the second mortgage being involved. I never signed any papers to be taken off the mortgages. I don't know how he did that. Can the second mortgage still hold the property as collateral since he took me off that loan and the property has been quick deeded to me?

Keywords:
                                  

 
 

Asked 03/22/2008 04:42 pm CT (marshfield, WI)

I had tried to get a house though mortgage experts, had signed papers for the bank and we were pre qualified for the loan, 2 days before closing they told me and my girlfriend that we werent accepted because i am on a commision based income, 2 weeks later i got a letter stating i am liable for the 325 dollar appraisal fee. i looked through the papers and it did not state i am liable for this. am i liable for this bill or what can i do to fight it?

Keywords:
                          

 
 

Asked 03/21/2008 08:53 pm CT (san antonio, TX)

We are closing on a new home in 3 weeks. We have a good faith estimate from CTX mortage. We have not signed any formal loan documents. We called and locked at a rate of 6.5 we have now found a rate of 5.85. Are we still required to go with the CTX because we locked in our rates?

Keywords:
            

You should be able to tell your LO at CTX to get you a lower rate. If he won't call me and i will pu...

[ Total Answers: 1 ]

 
 

Asked 03/19/2008 02:57 pm CT (mcarthur, OH)

i need to know how you deal with a forclosure letter from the goverment after contacting a bankruptcy attorney about this they said that my mortgage was not signed and that there was a loop hole can some one please help?

Keywords:
            

I wouldn't count on that miracle loophole. If you wish to keep the home and can find a way to afford...

[ Total Answers: 1 ]

 
 

Asked 03/10/2008 03:17 pm CT (Waleska, GA)

We are trying to refi our existing mort. Original truth and lending forms were received and returned 1/28/2008. Due to delays on appraisal, insurance verification, 2nd appraisal due to error on original, all at no fault of our own, we are now being charged for a rate lock extention. We have signed and returned all requested forms and or docs with-in same day. There is no way we're at any fault for the need of extention. Should we be liable for this fee? Our credit scores are in the high 700's.

Keywords:
            

If it's truly no fault of your own, I'd politely request the broker/lender do the right thing and ea...

[ Total Answers: 1 ]

 
 

Asked 02/21/2008 04:15 pm CT (RENTON, WA)

I have been seperated from my wife for 2 years. She is living in the house. When we refinanced 3 years ago the loan was only in my name. Her parents had been making the mortgage payments for her. To help make things easier I signed a quit claim deed to my wife and then she in turned did the same to her parents so they could refiance the property to lower the payments. After 9 months they still hadn't refied. They also always late with the mortgage but kept telling me they were working on it. Now the mortgage is 3 months late and they are now my inlaws and wife are going to let it go into foreclosure. Now I am scrambling because one the mortgage company says I'm responsible for the loan but now my credit is ruined and they also informed me that we did not have their permission to do the quit claiming. However county records are showing my inlaws. I do understand that I am responsible for the loan. What is the resonsiblity of my inlaws? When they did they were aware of an IRS tax lien and a unpaid sewer lien. Are they liable at all? What course can I take here? I'm scrambling to try to sell it but I haven't had any luck. Thanks Tom

Keywords:
                                          

Tom, I am sorry to hear about your troubles. Your situation is very complex, and my best advice is...

[ Total Answers: 1 ]

 
 

Asked 02/14/2008 07:10 am CT (nogal, NM)

the mortgage broker gave me a good faith estimate before the contract was signed anouther one when signed and now 10 days to closing a $650 lender fee showed up raising my cost to close. any recourse?

Keywords:
                  

Hi Dee, There isn't much you can do for recourse except switch your loan to another lender. What I ...

[ Total Answers: 1 ]

 
 

Asked 02/10/2008 04:16 am CT (raleigh, NC)

We are refinaning.We have aready signed the final papers on 2/6/08 but we havent given our closing cost yet.Its due tomorrow.Is it too late to tap into some cash to pay off our car loan?

Keywords:
        

karen, you need to discuss this with your lender. Depending on how much equity you have, your quali...

[ Total Answers: 1 ]



Pages:  1 
 
 2 
 
 3