 Preapproved for a home loan question??? |
| My husband and I have been preapproved for a home loan and they just asked for out checking statements for the last 2 months but we have spent so much money in the last few months there is not ... |
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 My landlord wants us to be away from the flat for 4 hours? |
| My landlord has given us 24 hours notice, by text message, that he wants us away from the house for 4 hours as he has a mortgage assesser round. We have just renewed our contract and its a new home, ... |
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 Can I deny my landlord rent due to conditions in my apartment? |
| I live in a townhouse apartment. On the main level there is a bathroom, which sits directly below an upstairs bathroom. The tenants last year had a leak upstairs which they failed to report, so in ... |
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 Should I refinance my house in this situation? |
| We bought the house a year ago and the APR is currently 6.75 (30 year, fixed). We owe around $172000 (not counting the home equity line, 21K). I was just looking at Quicken loans and saw tone of ... |
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 How low can I go when making an offer on a home? |
| The house is in Georgetown, Indiana listed by a realtor. I'm not going through the listing agent though. I've got a buyers agent I've been working with. It's a new construction ... |
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 Do I have to have an inspection done on my brand new condo? |
| My offer was accepted on a brand new condo... my real estate agent said I needed to get a home inspection within the next ten days, supposedly it's mandatory???! but wouldn't the condo'... |
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 We're having issues with or landlord and mold? help please!!? |
| OK, here goes. Last year or so, we had a leak in the bathroom from the tub not draining properly, carpet in the kids room got soaked and we ripped out the padding, floated the carpet to dry it. Then ... |
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 When "flipping" a house what are the tax consequences? |
| What can be written off and how does it affect personal income tax. Also is capital gains involved?... |
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 What do you think about REALTORS? |
| What has been your experience? The reason I'm posting this question is that I have seen some people on here speaking in not so kind words when it comes to Realtors. Some of it comes from so-... |
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 Homeowners: How much do you make, and what does your house cost? |
Please, renters and apartment owners, I am not requesting your answers at this time. I still love you, though. :-)
My husband and I will be making a NET income of $57,000 next year and we ... |
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 Is 7.625 a decent rate? Historically? |
I've been offered a mortgage for a 30 year fixed rate of 7.625 on a conforming level2 fannie mae loan with 20% down. Fico score is at 616.Looking at 120k home.
(Midwestern homes are still ... |
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 What do you think? |
| My friend, Emily, and her family are moving (somewhere else in the same town) and they are selling their house. My family are looking for a house and we are concidering on buying Emily's house. ... |
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 Mortgages & Bad Credit? |
| My fiance and I are not married yet, but are thinking of buying a house. We both have pretty bad credit. When I google "bad credit mortgages in Pittsburgh PA" a hundred links come up and I ... |
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 Can a mortgage company prevent me from leasing my house after I've lived there for 3 years? |
| It was my primary residence for over 3 years. Does anyone know anything about this? Does it always have to be owner occupied? Thank you!... |
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herefordsun | Can a person put a lien on a house I've built that I didn't hire directly to do the job? |
My husband hired this man (Mike) to put vinyl up on two of his houses. Mike subcontracted out the job to someone else (Joe) to do the job. My husband paid Mike for all of the work; however, Mike will not pay Joe, who did the job. Now, Joe, who did the work, says he's putting a lien on our houses until he gets paid, even though he knows we paid Mike for the job and that it is Mike that owes him. Can he really do this to us? |
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MN-Mike
 |
NO WAY...he didn't have any agreement or contract with you......He has to sue the jerk named Mike to get his money.
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michael c
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Yes. You should have requested a lien waiver from Mike before you paid him. A lien waiver is a legal representation that your contractor (Mike) has paid all of his subcontractors (if any). It protects you from situations such as this.......
Michael Casey CPA
Business Consultant
608-271-0068 |
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Hootie562
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Well, my mommy works in contracts, which she's been doing for a LONG time...AGES! She told me that if you have a contract with Mike then, unless there's a claus in there saying he can't sub it out, he can. You can put one in there saying that he can sub it out WITH permission but that's it. But I don't know if you actually have a contract or not. I've got a feeling you don't. Therefore Joe can put a lien on your house. :( Even if he knows that it's not you who is to blame! You should contact an attorney to see what to do about the lien. I hope everything gets settled!!! |
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realestatelawyer
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Yes. It is called a mechanic's lien and you will not be able to sell or finance the houses until it is paid off. You have to go after Mike to either force him to pay Joe or to give you the money back so you can pay Joe. I suggest that you get an attorney involved now, before a lien gets filed. |
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taximan2
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yes, he can. As a sub-contractor, he gets paid from the money you put out to have the house built. YOU areresponsible to make sure they get paid |
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Old Guy
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No. I don't think Joe can do that because you didn't have a contract with him. Joe was just a subcontractor. You had a contract with Mike and you paid Mike. You are clear. Joe's gripe is with Mike, not you. But he may realize that Mike isn't going to pay, so he's trying to go after you (hoping he'll be able to scare you into paying him). The truth be known, both Mike and Joe may be in on this together. It might be a scam. Mike gets money from you and then Joe gets money from you. They end up with twice the money the job should have cost. I would contact the authorities. The police, the Better Business Bureau, Government Offices that oversee the construction business. Also, the FTC (Federal Trade Commission) would be interested in hearing about your experience. You can find them on the internet. Do a Google search on FTC. Tell them your story. Also, if Joe is somehow successful in putting a lein on your property, (laws in your state allow it), he still can't hurt you until you try to sell your property. The lien would just sit there waiting for you to try to sell. So, you don't have to rush in your fight to keep this guy from trying to rip you off. You've got time. Something you might want to do (if you can find a lawyer who will work for pay only if he wins) is to get a lawyer to check Mike and Joe out to make sure the two of them haven't been doing the same thing with other customers. If the lawyers research show that the two are criminals, possibly they can get authorities to prevent or remove the lein. Most lawyers won't charge you to listen to your story (and determine whether they can help you). Lawyers who feel they can win will also work for you with the understanding that it won't cost you anything unless they win. They're out there. Check the yellow pages, or go to a lawyer for a free initial visit, and if he/she can help you, great. If not, ask if he/she knows some other lawyer(s) who might be interested in your case. |
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Lisa A
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He can indeed, at least in my state. That's how liens work. That's why you have to really protect yourself when you have work done on your house. It's different in every state, so go to your state's web site and search for the rules. Your state's web site will tell you how to protect yourself in the future.
What's worse than all of this is that you could be liable for your contractor's social security taxes and workman's comp premiums. |
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kurticus1024
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While Mike and Joe are leaning on your house.
Get em some hammers and ask them to help build it. They are builders I think. Then buy em a really nice lunch, get em drunk, make em feel really guilty about whatever bad things they are trying to cook.
Find out what the real issues are. |
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