 How easy is it to get a mortgage with adverse credit? |
| My landlord has just told me that he is selling the house we rent. He has said that we can buy it for £130k, but I don't work as I have 2 young kids (can't afford childcare etc) and my ... |
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 Buying my own place? |
| this isn't really a question, more of a rant. i'm 19 and live in hackney, east london. i'm working as a teaching assistant and earn about 900 a month. my parents are driving me crazy ... |
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 When is a rental lease agreement binding if we sign the lease before the actually date the lease starts? |
| My wife and I signed a lease on 25 October 2008 to rent a home to accommodate the LL because they live out of State. The Lease agreement does not start until 1 NOV 2008 as stated on the LEASE. When ... |
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 If your landlord is forced to sell house in divorce, does the tennant have any rights and what are they? |
| Our landlord tells us we have nothing to worry about but he then brought a realtor to the home in question, along with his soon to be ex wife, and later told us that he has to put the house on the ... |
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 Will landlords combine rent and utilities if requested? |
| We are looking to rent a house for our first time, and while looking at ads I noticed some of them have rent and utilities combined and others say $---- rent, + utilities. Is it something unusually ... |
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 Can you work with your mortgage lender to have them willingly lower your principle balance? |
| Has anyone done this? Also, will this negatively affect your credit score? I would think the lender would rather lower your principle balance than face foreclosure.... |
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 2nd Mortgage help! I need a lender with balls...? |
| I need to refinance my second mortgage but most brokers that I've worked with shoot us down. We reworked out 1st mortgage about a year ago due to my wife being out of work. We were able to avoid ... |
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 Can I refuse to allow my land lord to enter my home? |
| I live in an apartment complex and they are constantly sending out 24 hour advance notices to let tennants know that they will be entering the apartment on a certain day between certain hours. S... |
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 I don't have any credit. Is it still possible to get a loan to buy a house? |
| I work full time and have been at the same job for 8 years. My husband also works full time. We both have good jobs that pay well. Our problem is that we don't have any credit at all. We don&... |
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 Buying a property ? England answers only please.? |
How does a 20 year old purchase a property, that costs £200,000 ?
Since she is only young can she get a mortgage and pay it off, during her life ?
Thanks, best answer gets 10 points.
<... |
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 Should we shop at around at diffrent banks for mortgage rates? |
| My husband and I are first time home buyer's. We didn't kow if it was better or worse to let several banks run pre-approvals. I wasn't sure if it would hurt our credit for a bunch of ... |
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 CAN THEY DO THAT ????? ? |
| I moved into a place owned by a housing association in February this year. at first while decorating there was alot of noise because there was no carpets down and the man that lived below me could ... |
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| Where do I file complaint against my landlord who won't fix the holes and leaks in my bathroom ceiling? |
| For the past 5 months I've complained to my landlord about a leak in the bathroom ceiling. He came in with a friend of his and torn down half of the bathroom ceiling found out that pipes were ... |
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 If i short-sale my house for $200K and i owe $425K on my mortgage do i still have to pay the difference? |
| My mortgage is $325k 1st loan & $107k heloc. Do i still have to pay the difference to my lender? Can they go after me even if i qualify for debt forgiveness?... |
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 When would you start packing? |
| We close on our house in 21 days and I am wondering if we should start packing now. "We" is my husband, my son, my baby daughter and myself. We haven't gotten any boxes or begun ... |
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 I got preapproved for a mortgage but how do I acutally know if I got the loan? |
| I talked to the person and they have all my info..and ran a credit check...all the stuff how do I actually know if I got the loan or not??... |
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 When is the best time to buy a house? |
| I live in Los Angeles and I want to buy a house, but it seems like the house prices are dropping. Is it best to buy a house when the prices are rising or lowering?... |
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 I can no longer afford paying my house, what its going to happend if I just stop making the payments? |
| I always been on time with all my payments and my credit is very good, if I just stop making the paymets on my house, whats going to happend, will I get in trouble? what kind of trouble? or the bank ... |
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 I am looking for someone to make my mortgage payment next month? |
| also...I need someone to help me pay my property tax...man...It's a lot...nearly 6,000...If no one helps me, I would be sad. Please dont make me sad. Christmas is coming and I want to get my ... |
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 Can landlord sue for this even after losing the house to foreclosure? |
| 3.5 years ago i rented a place. after 6 months we broke the lease and moved out due to a broken relationship. I gave the landlord 2 months notice and paid the rent thru the time we lived there. There ... |
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reflections | What happens if a person has been paying his dead mothers mortgage for 6 years thats in her name? |
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sarah W
 |
unless she willed it to you you may have a problem.... |
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bostonianinmo
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Although most mortgages have a Due on Sale clause, lenders seldom force that issue when the reason for the change of ownership is the death of the mortgage holder. As long as the payments are being made they'll usually let it lie without action.
Ideally you should try to assume the mortgage yourself so that your credit record gets credit for the payments and you qualify for the mortgage interest deduction on your tax return. |
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Alterfemego
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I hope that the mother left a Will stating who gets the property. If not, it must go through probate court to be awarded to next of kin. You should consult with an attorney if you need further information. |
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benebuck8
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I'm assuming this person was given the home in the dead mother's will?
If so, there's probably nothing wrong with paying the mortgage. The lender COULD make them pay off the loan at any time, but if the payments are being made on time, it's unlikely. |
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legalchick791
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You may have just lost a lot of money. |
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I_Love_McRedneck
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You just lost out on that money cuz if it wasn't willed to you, any of your brothers and sisters have equal claim to the house so you only get a portion of it. |
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jdecorse25
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Who ever this person is, they could be in big trouble. When a person dies, the death is recorded in city records, then everyone they owe is usually notified about the death. I don't know how the bank didn't find out the mother was dead. They could have lost all that money, and the house. This person should contact the bank, let them know what's been going on and hopefully assume the loan. |
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MIND THE GAP
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It would be very unusual for probate not to have occurred for 6 years. Once a probate is over, the house has a new owner. Find out who it is.
You may have been making house payments for someone else. |
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ralph
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You may not have a problem. There is a law in many states that covers abandoned property. If you move into an abandoned property and catch up the taxes and keep paying the taxes, after a few years you can petition to have the property out in your name.
I do not think you have to go that route. Why did this not get cleaned up during the probate? |
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