When to be concered about dinking alcohol?

I'm in my 30's married with a child, working full time and we have a mortgage.
Yet my husband thinks i drink too much. Back in the day i was late starter and didn't socialize in pubs until i was 19yrs. But i don't i think i missed out but i do drink more now than then. Yet my husband was a heavy drinker bk then… Passing out being sick really angry drunk… Still can be but he rarely drinks now, but when he does his behavior and words are hurtful but i know its the drink… And in the morning he won't remember. Me now i can drink without falling over or having embarrassing conversations, yet i am under the microscope… Helpful suggestions welcomed

Read more: When to be concered about dinking alcohol?

I want to buy an investment property but already have a mortgage. Whats the best type of loan to apply for?

I want to buy an investment property but already have a mortgage. Whats the best type of loan to apply for?

Read more: I want to buy an investment property but already have a mortgage. Whats the best type of loan to apply for?

Does the HOA of a condo have the right to know if you have a mortgage?

Does the HOA of a condo have the right to know if you have a mortgage?

Read more: Does the HOA of a condo have the right to know if you have a mortgage?

A type of amortized mortgage that calls for a large payment at the end of the term is a?

A type of amortized mortgage that calls for a large payment at the end of the term is a?

Read more: A type of amortized mortgage that calls for a large payment at the end of the term is a?

Spousal Income to be Considered in childcare?

I live in Arizona and my Girlfriend has a child from another person who is not in the picture. The child attends daycare and was rejected a scholarship from the State because the income was said to be over the threshold.

However in this case, they factored in my income along with hers which is what put us over that limit. While I do make more than my girlfriend, I pay the majority of bills, mortgage etc so it's not free income that's just laying around.

What is the reasoning that I am factored into this situation. She claims the child on her tax return etc. The child lives with us and I contribute to the child but I am wondering if that's the reason I am to be considered?

All things aside, this question is just about the reasoning why my income as her non-married spouse plays a role in this.

Read more: Spousal Income to be Considered in childcare?

Can someone tell me about low interest loans?

Can someone tell me about low interest loans?

Read more: Can someone tell me about low interest loans?

Home Loan Mortgage with 3 new Credit Cards?

I was considering getting a home loan, but I know the laws have gotten stricter. I recently opened up 3 new Credit Card accounts because my credit report said it would help my credit score. I am wondering if underwriters would have an issue with 3 new accounts open when considering a loan? I currently make about 5,000 a month after taxes, have 0 debt and the current scores are 772, 759, and 790. Thanks much!

Read more: Home Loan Mortgage with 3 new Credit Cards?

Do i need to pay off my second mortgage before selling my house?

Do i need to pay off my second mortgage before selling my house?

Read more: Do i need to pay off my second mortgage before selling my house?

Can Someone buy a property separate from a spouse even if he owes back taxes?

My mom married my step dad and he owes back taxes from before they were married. I would like to help my mom invest in real estate instead of throwing away money at rent. They file taxes separately. I just don t want my mom to buy this house if there will be a lien immediately placed on it.

Read more: Can Someone buy a property separate from a spouse even if he owes back taxes?

Is there a partition in the foreclosure of mortgage?

Is there a partition in the foreclosure of mortgage?

Read more: Is there a partition in the foreclosure of mortgage?

How much do property owners/landlords make?

Let's say you have 2 buildings with a combined total of 50 apartments costing $1000 a month. How much does the property owner make after water bills and lighting and all that. Is it good income? Can you calculate if their is a mortgage and if theirs not a mortgage.

Read more: How much do property owners/landlords make?

Can I be evicted if my name is on the Deed?

My ex boyfriend purchased a house. We moved in together with our kids. He did put my name on the Deed. I've been in the house for 4 years. 2 years ago he went to prison. I have been paying for the house. Just recently I stopped paying the mortgage. Now his mother is trying to evict me. We both have power of attorney. Does she have the right to evict me if I'm on the deed

Read more: Can I be evicted if my name is on the Deed?

Can I afford a 500k house with 300k down earning 65k annually?

Hello. Let's say I am making $65,000.00 every year and I would like a $500,000.00 house. If I put down $300,000.00 would I be able to get a loan for the rest of the money? Also, how much would it cost monthly to own a house similar to that? Is this even possible? Thanks!

Read more: Can I afford a 500k house with 300k down earning 65k annually?

Any real estate advice would be welcome. Kind of a confusing situtation?

Wen my husband turned 18 his mother pressured him into co signing a loan for a house.
Saying he just had to help pay for a few years and when we was done with college shed take over.
. He always paid his half of the mortgage and household bills. When he was deployed he'd send extra money home for the mortgage and his mom would spend it on furniture, upgrading her bmw etc. My husband and I are now married and we live together in an apartment. When we were engaged his mom agreed that since we could not afford to live there mortgage,tax, insurance is $2,600 a month. Not to mention other expenses like heat food car insurance student loans etc.

That we would find renters for the other two rooms. We found great ones but she vetod them. She found her own, his older brother & a women from church. 5 months later we got a letter from the mortgage company, wells Fargo that they were going to start foreclosure as the mortgage was 5months behind. She hadn't paid a penny since he moved out! She also didn't have any money in savings to pay it. So the mortgage company said they could look at all our information and possibly do a remodification on the loan, to make monthly payments more affordable. We just got news that they denied it and so want the $11,500 that is due. The house is underwater. Valued at $170 k with loans for $225. Husband and I want buy a home for us soon so we cant start a family. So we don't want to destroy our credit. Any advice on how to proceed.

Read more: Any real estate advice would be welcome. Kind of a confusing situtation?

Is it better to save for 10 years to pay my mortgage off or better to pay extra on the principal every month?

Is it better to save for 10 years to pay my mortgage off or better to pay extra on the principal every month?

Read more: Is it better to save for 10 years to pay my mortgage off or better to pay extra on the principal every month?

Does a mortgage in principle application affect my credit score if declined?

Does a mortgage in principle application affect my credit score if declined?

Read more: Does a mortgage in principle application affect my credit score if declined?

Does it affect our credit score if we get rejected for a few different mortgages?

Does it affect our credit score if we get rejected for a few different mortgages?

Read more: Does it affect our credit score if we get rejected for a few different mortgages?

How to come up with $150,000?

I am living with my parents and I have saved quite a bit of money. I am $150,000 short of being able to buy a house in cash.

I want to be able to take advantage of living expense free while I save up my remaining $150,000.

I am working full time but the faster I hit $150,000 the faster I can move out so I want to expand my income in other ways.

What I am looking for ideas on how to do so. Thanks
Added (1). I do not mean $150,000 all at once. I mean little things I can do that will add up to $150,000
Added (2). I want to be able to buy my house in cash. I am earning dividends and interest on my investments and I would rather do that than pay interest on a mortgage, no matter how low rates are.

Read more: How to come up with $150,000?

Can we get a high street mortgage with excellent credit AND fair credit?

Can we get a high street mortgage with excellent credit AND fair credit?

Read more: Can we get a high street mortgage with excellent credit AND fair credit?

How to Improve Credit Score from 690 to 720-750?

I have a perfect credit history but only average credit score. I would like to have an excellent score.
Added (1). Good driving record doesn't affect credit score but bad driving can because of unpaid citation fees that were reported to the credit bureaus. And different types of credit only affect 10% of the credit score, i.e. Home mortgage. The largest categories that affect your credit score is debt to credit ratio at 30%, payment history at 35%, and length of history at 15%.
Added (2). Also in order to maintain a high credit score, there must be credit utilization but not must be over 30% of the credit limit. Your salary does not affect your credit score. No where in your credit report does it report your annual income. The only categories that are reported on your credit report is new accounts, average age of all accounts, types of accounts, payment history, and credit utilization which is debt to credit availability ratio.

Read more: How to Improve Credit Score from 690 to 720-750?

Lease says no pets but landlord said pet was okay?

When signing my lease I noticed there was a no pets policy. I asked my landlord and he said "something like a small dog you can carry is fine". Nothing in writing; but it sounded like he was pretty lax on the policy.

I got a kitten a month after moving. We've been keeping him in the bathroom during the day and letting him roam at night while we're present.

Management called and said the owners are having a 'mortgage inspection' on Friday and need to be let in to our apt. Should I be worried this is a ploy to check and see if we have a cat?

Read more: Lease says no pets but landlord said pet was okay?

Once mortgage offer is available can i get further loans?

Once mortgage offer is available can i get further loans? - 1

Read more: Once mortgage offer is available can i get further loans?

How does leveraging a mortgage for profit work? How risky is it?

Does it work like this?

Here's my example: Let's say there's a house that costs $200,000 today. You pay all cash for it. In 5 years, the house's value increases by 15 percent per year and is worth $400,000. You've earned 100 percent return on your investment. Over 5 years, that's a 20 percent annual return.

But let's say you only put 20 percent down--$40,000. You borrow the rest. That means you have a mortgage of $160,000. In five years, the house is worth $400,000. Same scenario as above. But your investment--the money you had to come up with--was only $40,000. You've earned 500 percent return on your investment--$200,000 on a $40,000 investment. Over 5 years, that's a 100 percent annual return.

That sounds nice and all, but how risky is leveraging? And how do you find a house that actually goes up 15 percent in value annually? Also, regarding the second scenario, if your house's value increases that much and you have returned 100 percent, doesn't that mean you have essentially paid off your home?

Read more: How does leveraging a mortgage for profit work? How risky is it?

Is there a list of VA approved mortgage lenders?

Is there a list of VA approved mortgage lenders?

Read more: Is there a list of VA approved mortgage lenders?

How many credit cards are needed to rebuild credit?

One could argue that my former bankruptcy was or wasn't my fault exactly.

I started building credit from the age of 18 or 19 until age 28 or 29. I had top-tier credit with an amazing FICO. My parents were too broke in my earlier years to take care of my dental stuff, so I put a bunch of dental work on credit cards with the intent to pay it down. Obviously, the interest killed me. I did a Chapter 7 around the middle of last year when it seemed impossible to pay and the companies wouldn't work with me. I have since gained a Barclaycard Rewards Platinum MasterCard ($1,500 credit limit) and a Capital One Platinum MasterCard ($3,000 credit limit), none of which were the former discharged companies.

I'm keeping those under control, have found a new job and I also make considerably more money - about 3 times what I did last year. I know that the Chapter 7 stays on the credit report for 7-10 years… But my score is actually improving considerably from when I first filed.

Will this be sufficient to build my credit back up over the time? I have been paying on the Capital One for about a year now (charge something, pay it… Charge something, pay it) and the Barclaycard for several months less than that. I won't be getting a mortgage or anything, and actually don't want one.
Added (1). I was asking this question because I hope to use these two credit cards to build my credit up really well and eventually try to get just one of the top-tier credit cards with the lowest interest rate. When I do, I'll drop these two cards and keep that one. I just wasn't sure how many would be needed to build it up at a proper rate.

Read more: How many credit cards are needed to rebuild credit?

Received notice from Bank on door regarding winterizing my home due to being 2 months late on mortgage?

Hello, I am 2 months late on mortgage. As of yesterday there were stickers on the door of my home (which is vacant) stating they checked the property and found it to be vacant. They stated they would be winterizing the property this week and doing weekly checks even though I am not going into forclosure for another month. I am going in with cash today to the bank to make my mortgage completely CURRENT. Does the bank have any right to go into my home or have a second company winterize my property once my mortgage is current today? Thanks
Added (1). Property is in great condition and cared for. I have second home this one is for sale.

Read more: Received notice from Bank on door regarding winterizing my home due to being 2 months late on mortgage?

Will my customer be able to get an FHA loan on a home that is on a dirt road. There are other homes close by?

Will my customer be able to get an FHA loan on a home that is on a dirt road. There are other homes close by?
Added (1). This home is in excellent condition.

Read more: Will my customer be able to get an FHA loan on a home that is on a dirt road. There are other homes close by?

Should I stay in a bad area for a low mortgage?

Help! I have cute house in a crummy area. I have lived here for 16 years and the neighborhood is crummy most of the time. My neighbors throw trash in my yard recently got drunk and knocked down a plank on my fence, other neighbors play their music very loud all hours of the day, not to mention two breakins and street traffic. I am a single mom and I enjoy the low mortgage, however there is not much peace here. I am afraid of buying again and having a mortgage double what I pay now.
Stayed this long due to the low mortgage. However I recently listed the house and received an offer. Should I take the offer and flee or stay to save money? The mortgage is lower than most rent. Help!

Read more: Should I stay in a bad area for a low mortgage?

Can my ex kick my kids & I out?

My ex fiance (broke up with me today) & I have lived together for 3 years. He owns the house & I give him $1,000 a month for the mortgage. I have 3 children & am due with number 4 any day. He told me tonight he wants us out. He said he will file for eviction if I don t go. I don t have anywhere else to go, I give him all I get each month. My girls just started school & I don t want to move them. I have been paying every month & I get mail there & I also have a notarized paper he filled out stating my girls & I live there. Can he kick us out? If he files for eviction how long is the court going to give me to get my stuff out?

Read more: Can my ex kick my kids & I out?

Is it possible to get a FHA loan with a 585 score and who does most lenders pull their report from?

Is it possible to get a FHA loan with a 585 score and who does most lenders pull their report from?

Read more: Is it possible to get a FHA loan with a 585 score and who does most lenders pull their report from?

How expensive is property in Canada?

I haven't been in Canada for a while and I will be going back there to settle down. I'm unaware of the actual prices of a good house and what I can get.

I wanted to ask what can I get within $200,000? Can I get a nice big house with 3 bedrooms in a nice area? Would I alone be able to pay off the house mortgage with a good job? What are the type of expenses included in buying such a house (Tax, buying fees etc.)? Would prices go down anytime in the next ten years?

My mother always advises me to buy a luxury apartment instead because she says maintaining a house alone is too difficult. Is this true? Would it be better for me to buy a luxury apartment than a house?

Read more: How expensive is property in Canada?

Is it possible to buy a house with credit score of zero?

I am planning to buy a house in couple month. And I was told that my credit score is zero. However few years ago, I have paid my car thru auto loan and was paid in full without any problems. Also, I have never delay or missed any utility, wireless, or home rent. But I am not sure why I have a credit score of zero. Will it be possible for me to buy a house with a mortgage in couple of month?

Read more: Is it possible to buy a house with credit score of zero?

What should you do if your home equity is much more than your mortgage?

Let's say you buy a $2MM home with only 10 percent down, and therefore get a $1.9MM loan at 5 percent. The home appreciates by 8 percent (is this realistic?) in five years. What should you do now to maximize your profit?
Added (1). I think they call this "leverage". Can someone explain how this works, and what are benefits of it?
Added (2). @Anonymous, Well, actually you'd be surprised how many of the wealthy give small down payments for big mortgages. Paying cash for a home in this low rate environment proves you're a terrible investor.
Added (3). Made a typo. I meant $1.8MM, not 1.9

Read more: What should you do if your home equity is much more than your mortgage?

Real Estate Sale Person Requirements in California Help?!

The requirement for Real Estate Sale Person in CA is:

Requirements to apply for a real estate salesperson license
Completion of three college-level courses is required to qualify for a real estate salesperson examination:
1. Real Estate Principles, and
2. Real Estate Practice, and
3. One course from the following list:
Real Estate Appraisal
Property Management
Real Estate Finance
Real Estate Economics
Legal Aspects of Real Estate
Real Estate Office Administration
General Accounting
Business Law
Escrows
Mortgage Loan Brokering and Lending
Computer Applications in Real Estate
Common Interest Developments

My question is I've taken Real Estate Principle and Real Estate Practice 10 years ago (Fall 2005 & Spring 2006). I took Business Law in Spring 2011. Do I need to retake these classes again in order to qualify to take the Real Estate Sale Person Exam?!

Read more: Real Estate Sale Person Requirements in California Help?!

Does a mortgage modification cost more in the long run?

Or is it just spread out over a longer time?

Read more: Does a mortgage modification cost more in the long run?

Mortgage Lender forgot to add closing costs?

Mortgage Lender forgot to add closing costs?
Added (1). Now he wants to increase our rate quite drastically to cover it since we are closing in a week. Our GFE locked in our rate on our new home that is finally completed after 10 mos. Now that the rates have increased, they want to raise them and claim they just forgot about the closing costs. Can they do this? Legally?
Added (2). FYI, when we first found this lender, he sold us on not having to pay closing costs, only the down payment.

Read more: Mortgage Lender forgot to add closing costs?

Interview Tomorrow For Administrator?

Hey all,

I have an interview tomorrow and I am wondering what type of questions to expect! Any help is much appreciated.

The role is a Trainee Mortgage Administrator, it says all training will be given however the candidate must have computer skills. What type of questions are likely to come up for a trainee position?

It is a last minute interview so I am extremely nevous any help would be great!

Read more: Interview Tomorrow For Administrator?

Should a seller provide certificates for a house?

I have just received my HomeBuyer Report and the surveyor has noted:
- DIY amateurish electrics with no certificate
- 9 year old boiler with no certificates
- Extension to the kitchen with no documentation
- No certificate for the installation of the central heating system.
Is it reasonable to request that the seller provide these before exchanging contracts? (We are happy to do the other work needed, after completion)

Read more: Should a seller provide certificates for a house?

Will my mortgage processing go ok?

My husband and are closing on our house 9/18. Is crucial we get this house because my son is registered for school. We won't have our complete down payment in our account until a week before closing. Currently are mortgage is in underwriting. Will it not go through if the funds are there yet? What other issues should I be concerned about. I feel like something will go wrong.

Read more: Will my mortgage processing go ok?

Buy house with market Crashing?

I made an offer on a house that was accepted but I have not yet signed a contract. With the market in both the US and international looking like it may be crashing how will this effect housing prices. I am nervous because I will still have to sell my current house and don't want to be stuck upside down in a new house.
Added (1). Edit: Thanks for the responses. To address some of the answers I have enough saved to make a 20% down payment and support both mortgages for over a year. I also will be buying this in Long Island near NYC in an upscale community and my worries is mostly that most of the people that are buying in that area either work on wall street and this may effect prices.

Read more: Buy house with market Crashing?

What are Funding Fee to US Bank and EhousingPlus Funding Fee, in GFE mortgage loan?

Besides the ridiculous origination, processing and underwriting fee (Which I will relentlessly negotiate down), there are following fees I don't understand.

What are:

Document Fee - 175
Wire Fee - 50
Final Inspection - 100
Funding Fee to US Bank - 300
EhousingPlus Funding Fee - 225
Tax Service - 85

Are these fees legit? Or Just a way for a lender to rip off money from me?

Thanks in advance!

Read more: What are Funding Fee to US Bank and EhousingPlus Funding Fee, in GFE mortgage loan?

Husband doesn't want to work because I provide enough?

My husband doesn't think he should work anymore than I do because I make $130k annually before taxes. Yes we can easily live off of that, we're paying mortgage on a house and making payments for 3 cars but isn't it fair that he should work too? We don't even have kids to take care of. He wants to stay at home or play sports for fun. And traditionally, its the woman that usually stays at home and the man works, he's backwards. What should I do?

Read more: Husband doesn't want to work because I provide enough?

Would i be approved a business loan?

i am looking to purchase a subway franchise and wondering if i would be approved a business laon. Below is general information

25 Years old.
60k saved up
Income:37k/annual
credit score:755
no home/mortgage

i am looking for 60-100k loan. Would i qualify? If not, what do i have to do to improve my chances.

also my income is pretty low but i was wondering why would my income at my current job play a factor if i would leave it once the business opens?

thank you in advance

Read more: Would i be approved a business loan?

How can we get a FHA loan? Credit scores of 579 and 645?

How can we get a FHA loan? Credit scores of 579 and 645?

Read more: How can we get a FHA loan? Credit scores of 579 and 645?

I'm on a zero hr contract. Can I still get a mortgage?

Iv been renting for 2 years now and I'm paying way more than I would if I had a mortgage on my own place. So I can easily afford it. Iv got £15,000 as a deposit and iv been in the same job for 7 years. The only problem I have is even tho iv had over 35hrs every week from when iv started I'm on a zero hr contract. Will this prevent me from getting a mortgage

Read more: I'm on a zero hr contract. Can I still get a mortgage?

How to calculate how much tax I owe for a buy to let property?

Is it calculated on the income or the profit? E.G. If I rent somewhere out for £1000 a month and the mortgage is £600 a month and insurance and other costs are £150 would I pay tax on £250 providing there arent any repairs that month?

Read more: How to calculate how much tax I owe for a buy to let property?

Can i check a previous mortgage survey befor using my own?

Can i check a previous mortgage survey befor using my own? - 1

Read more: Can i check a previous mortgage survey befor using my own?

Can I lease a car without using credit or financing?

Can I lease a car without using credit or financing? - 1
Added (1). I have excellent credit, but I can't finance a car because my husband and I are trying to buy a house, and any new loans will ruin our FICOs and may prevent us from qualifying for a mortgage. Can we pay the entire lease upfront without using any financing and then buy a car once we have found a house?

Read more: Can I lease a car without using credit or financing?

Should we still try to buy a home with a monkey wrench being thrown in our plans?

My spouse and I were in the process of making an offer on a home. We had a mortgage designed to have 2 loans (1 for mortgage, and another for down payment costs). My grandmother was going to help as well. We had gone through the preapproval and were prepared to make an offer. The loan would be in my name, and we have already invested about a month into this process. He has now had a set back in a job (new company was supposed to open in April, but had many things happen to delay opening. Was then supposed to be this week. Now there are more inspections and the owner is going on vacation). So we don t know when he start. I am the breadwinner, and if we go through with this, it effects me financially. It would raise Our monthly payment $300 monthly. We could make it work, but wouldn t be comfortable. And would have $0 for emergency funds. I already have anxiety about this whole process, and this set back has pushed me over the edge. He would still like to go for the house, but I am trying to think logically. We live in an apartment right now, and I miss a home with a yard. I want to be a home owner as well. I just don t want to have to forclose on it because of a mistake on our part. I don t know if we would get final approval, and I think I was stretching it anyways by having help from my family. Should I abandon hope? Or just suck it up?

Read more: Should we still try to buy a home with a monkey wrench being thrown in our plans?

Will I be able to buy a home by myself?

I'm single and I want to start looking for a home. I'm 24 and make about $45,000 per year… How much home can I afford? I have $15,000 saved

Read more: Will I be able to buy a home by myself?

Define the mortgage and discuss its essentials.distinguish it from a sale of immovable property and lien?

Define the mortgage and discuss its essentials.distinguish it from a sale of immovable property and lien?

Read more: Define the mortgage and discuss its essentials.distinguish it from a sale of immovable property and lien?

My aunt wants to sell me her house?

But since i dont qualify for a loan she wants me just to keep paying her's I want to know if this is possible and if there's anyway I can get something in writing from her where she agrees and that when I'm done paying off the mortgage the house is mine

Read more: My aunt wants to sell me her house?

WHICH ONE WOULD YOU CHOOSE GIVEN THESE TWO CHOICES?

We are trying to buy a house and we have 2 choices. 1st choice, buy a house that we see ourselves in for a long time with enough space and in a great area or buy a cheaper house and we will have to move in like 5 years. For the better house our monthly mortgage would be higher but in a better area and would probably take longer for us to pay off. It is under priced and we could sell it for 50k more if we wanted to. Plus it really feels like home in every way. 2nd choice the cheaper house, mortgage will be very affordable at around 1300 since we both make around 200k a year. In this house we can save a lot before we move to an area with better schools in like 5 years since we don't have kids yet. In the next 5 years in the cheaper house we should be able to save enough to almost payoff our next house. We would make sure its a house that wont need too much maintainance. We would sacrifice for 5 years to have a house mortgage free in about 10 years from now. Off coarse we don't know our future because God Knows it but trying to plan. What would your choice be?

Read more: WHICH ONE WOULD YOU CHOOSE GIVEN THESE TWO CHOICES?

What type of lawyer do i need to write up an official lease and where can i find this type of lawyer?

I am renting to own a single wide trailer… I want to make sure once i start doing some minor repairs that they will not go back on the rather bland, rather short, lease agreement. I would hate to build up the house only to have them come back and say, "oh gee thanks for the house, but we would like to move back in now."
The mortgage is in their name and they rent it out to me due to the fact they do not know how to renovate or live in a single wide. They recently just bought a brick home that they moved into and say they just want the single wide off their hands.
What kind of lawyer do i need to speak with in order to write up a more solid lease, so that in the case they do change their mind or find a loop-hole, i will be re-imbursed for my repairs, materials, labor, etc. And where can i find a lawyer of this type?

Read more: What type of lawyer do i need to write up an official lease and where can i find this type of lawyer?

After bankruptcy can I reaffirm my mortgage?

After bankruptcy can I reaffirm my mortgage?

Read more: After bankruptcy can I reaffirm my mortgage?

Has Roy Jones tarnished his legacy more than any other great fighter, and what motivates him to still fight?

I know Cassius Clay and SRR were both great fighters that both hung on too long, but I think Jones's fall from grace is much more polarizing

Its been 11 years since his legacy was shattered at the hands of Antoniob Tarver, and he's gone on to get KOd on someone else's highlight reel several more times

All his fights have been against slow, white, chumps going back the last 8 years

I used to think Hopkins' success may be motivated Jones to keep fighting, but I notice the RJ persona Roy used to employ in 90s (most notably against Montell Griffin) has been gone for some time, replaced by this nice-guy approach to everything

Roy is THE LAST guy I ever would have thought this would happen to… Had he retired in 2003 at the age of 33 when most fighters are close to hanging them up, he would have a completely different legacy of dominance

Roy Jones is the saddest example of a fighter hanging on too long I have seen in my lifetime.

Shane Mosely is 2nd on the list

Arturo Gatti took way to many beatings, but somehow I believe he would have stayed retired had he not passed away

Hell, we all used to talk about Evander hanging in to long, but he seems to have adjusted to retirement in the last few years

Read more: Has Roy Jones tarnished his legacy more than any other great fighter, and what motivates him to still fight?

Can I.acquire 10 kw solar panel completely free and have 10 KW-HR / mo free for life?

The answer is YES. Its acquisition cost is $45000 which is offset by 15,000 tax credit. Furthermore, for every 1000 kw-hr of electricity it produces ( my monthly use) I am issued a certificate ( $300 face value) which I can sell to the electric company and completely offset my mortgage payment on the $30,000 I borrowed to cover acquisition cost. Hence I paid nothing for the acquisition and the 1000 kw-hr/mo which my solar system produces is FREE to me.

Read more: Can I.acquire 10 kw solar panel completely free and have 10 KW-HR / mo free for life?

Can a home mortgage be discharged in a bankruptcy?

Can a home mortgage be discharged in a bankruptcy?

Read more: Can a home mortgage be discharged in a bankruptcy?

Should I save/invest or pay down mortgage or student loans with new extra income?

I am a 32 year old woman, single, no kids yet and with a decent career. I have a house with a mortgage in which I owe about $76,000 for 28 more years at 4.25% interest. I also have about $76,000 in student loans at 6.5% interest. I recently got a new job and will be making about $52,000 a year. I have no credit card debt and a $4000 loan for car with no interest. I have only $3000 in emergency savings and no investments or retirement to speak of. I am doing the Public Service Loan Forgiveness Program so I pay based on my income for 10 years and I am 3 years into it. So in 7 years if all goes as planned they will forgive the rest of my student loans.

Now that I have a new job I have some extra money at the end of the month. Should I worry about paying down the student loans? Pay off my mortgage early? Save extra income and invest it? Roth IRA maybe? Anything else I'm forgetting?

Read more: Should I save/invest or pay down mortgage or student loans with new extra income?

Looking at moving to the coast?

My husband and I are thinking of moving to the coast for a fresh start for the younger 2 as in a couple of years the eldest is off to university… We first thought Somerset but for a 4 bedroom house your looking alot more then we think we can get a mortgage for, we looking at recommend seaside as alot of the coastal areas we ain't been.
Could people recommend any areas please!

Read more: Looking at moving to the coast?

About to loose my only parent what to expect?

My dad died when I was 16 and now I am about to loose my mom as well. She's been battling cancer for 5 years and the doctors said she didn't have much time left. I also lost my sister in a car accident when she was 20 and I only have one other sister who is married and lives in Italy. My family always struggles with money and now we are in debt with the hospital bills. I am just wondering where my life is going to go now. My mom left everything she owned to me but that includes house mortgages and insurance. I am 19 right now and currently attending an art college but now I regret choosing that route and thinking about it I know it wont be making the kind of money I need to pay all the bills. Can someone give it to me straight? I want to know if I'll still have to pay the hospital bills after my mom dies, or will I have to pay off her credit cards. Right now I am working at Target and going to school and thinking of getting another job.

Read more: About to loose my only parent what to expect?

Is it common for a bank to sell a home loan to a mortgage company?

I just bought a house and thought I was going to be paying my bank the mortgage payments, just to find out they sold the loan to a mortgage company. Is that a common thing that banks do?

Read more: Is it common for a bank to sell a home loan to a mortgage company?

Why would defaults in US sup-prime mortgage markets cause banks around the world to go bust?

Please say HOW they are connected, if that is what you were going to say

Read more: Why would defaults in US sup-prime mortgage markets cause banks around the world to go bust?

How to get adverse possession in the state of michigan?

I have been looking at a house for 5 years in 2010 it went up for sale for a couple short months then came off the market no one bought it then the mortgage company went under from what I can see it was transferred to another mortgage company but with all my questions no company has answers or information on the home it was winterized last year but still nothing more on it. I want this home but do not know how to get a chance at getting it I have looked up adverse possession but do not quite understand. Is there a form I can fill out and take to the courts to get rights to this home?

Read more: How to get adverse possession in the state of michigan?

Am I entitled to mortgage payment protection?

They said I was not in the deadline I was over the amount of days to apply

Read more: Am I entitled to mortgage payment protection?

What is the formula to calculate the mortgage payments for a house?

What is the formula to calculate the mortgage payments for a house?
Added (1). So lets say, the house is $400,000
The payment term is 30 years.
there is some interest rate.
I am ready to pay 5% initial payment.
what will the approximate monthly payment for the house? If its FHA loan
Added (2). What if my credit is excellent? Will that bring the payments down?

Read more: What is the formula to calculate the mortgage payments for a house?

Do you know anything about FHA loans/HUD?

My sister bought a home on an FHA loan 27yrs ago. We moved her into assisted living a few months ago, because she has some health problems and cannot live on her own. She has 3yrs left to pay on her house, but since she is getting government assistance with her assisted living, she has to give up her house. She can't pay the monthly payments. The house is going to go into foreclosure unless she sells it. I have offered to buy it, but they are requesting I take over the HUD loan. I would just like to pay cash and get it out of her name. Whats the best way to go about it? They say I have to pay a huge amount of some type of assistance. They say she has $70K worth of back payments I would have to pay. Whats the gig? Do I have to pay all that, because I really can't afford that? She needs some upgrades on the house like siding, windows, some weak spots in the floor fixed, and a bathroom remodel.

Read more: Do you know anything about FHA loans/HUD?

Last day at work tomorrow and need away early Help?

It is my last day at work tomorrow and I have received my mortgage offer today and need to make an appointment with my solicitor. I called today and he can only fit me in tomorrow during my afternoon at work. I have asked my boss for a half day (using my holiday entitlement that I am not being paid for) and she has said no. I have asked to change days with my solicitor but he is very busy and the next available day I can see him he said it too far away. Can I leave work early without my boss's say so? Not sure what to do!

Read more: Last day at work tomorrow and need away early Help?

What is Mortgaged Property in realestate?

What is Mortgaged Property in realestate? - 1

Read more: What is Mortgaged Property in realestate?

Is there any help to get the foundation of my house replaced?

The foundation of my house is falling apart, and the cost to repair is even more than what we initially paid for the house. We do not have the means to take out a second mortgage. Are there any programs to help us?

Read more: Is there any help to get the foundation of my house replaced?

Can I find out properties mortgage provider?

Can I find out properties mortgage provider? - 1

Read more: Can I find out properties mortgage provider?

Is it possible to find out a properties mortgage provider?

Is it possible to find out a properties mortgage provider?

Read more: Is it possible to find out a properties mortgage provider?

How to tell if a listing is for a mobile or a modular home?

I can only get a loan to qualify for a modular that includes the land beneath it, not a mobile home. But they are so often listed together, is there a way to tell which one a listing is when it's not specified in the details? For example some list lot size in addition to square footage and some do not, is this an indicator?

Read more: How to tell if a listing is for a mobile or a modular home?

What do you think happen in my roommates past?

I'm just very worried at my housemate. I'm 26/m and I had recently brought a house but ended up renting out a room to help with mortgage cost. Anyways, this 20 year now lives there and she's really sweet and pretty and funny. When she first arrived she had a busted lip, but brushed it off saying she fell while riding her bike. (She never brought a bike with her.) Sometimes I can hear her crying or at least I think it's crying. And I know this is wrong but while she was at class at college; I walked past her room and saw a pink teddy bear with the name Amira on it, but that's not her name. I just don't know what to make of this. We're sorta friends I guess, but never has she told me anything about her past. She seems really down most of the time, but it super nice and I just wanna know what happen.

Read more: What do you think happen in my roommates past?

Can you move out without breaking up?

i've been with my boyfriend for about 7 years. We moved into an apartment together after 2 years of our courtship then broke up briefly because he didn't want to get married and I did. After about a month we slowly got back together, as he promised that he had thought things through and was going to propose to me that year. During this time of slowly dating again, his grandmother asked him to move in with her. Apparently they worked out this deal where he would pay her mortgage and she'd pay utilities and taxes until the day she passed away and the house would be his. This agreement was made without ever asking me how I felt. It was an executive decision that he made. After struggling with the thought of living with his grandmother I decided to move in. I thought this was the natural progression of how things should go. 3 years later we're still living in this house and I am extremely unhappy. We've been able to make a master bedroom and a small den of our own but the rest of the house is basically hers and I'm growing tired of the situation. Aside from the fact that she has her own personal hygiene habits that drive me crazy. I am constantly having to clean up after her even after I spent hours cleaning the house she will come and make a mess again. I decided to move out. My question is do you think this is going backward in our relationship and that our relationship is doomed? Im 36 Hes 37. House is old and has issues with maintenance and some illegal modifications she made

Read more: Can you move out without breaking up?

Bad condo neighbors not paying monthly fees?

My neighbor has not paid their fees in years. The owner of the condo died, the unit was passed on to their daughter and the mortgage is paid off. However, she and her boyfriend are disruptive, make a mess in the common area and yet the association says they can't do anything about it. I am at a loss. I'd like to sell my place eventually and fear their presence will ruin my property value. I don't know where to turn to or what to do. I'm in Florida.

Read more: Bad condo neighbors not paying monthly fees?

What is the best mortgage interest rate?

I have an excellent credit rating.
What is the best place to get a low interest rate in Connecticut.
I bought homes before… But it's been a long time.

Read more: What is the best mortgage interest rate?

Need info on mortgage lenders and credit report--who pays?

I am looking into buying a home. When I contacted mortgage lender here in town, they told me to bring $38 for my credit report (along with bank statements and everything else). Is this normal practice for ME to pay for my credit report? My mom says she didn't have to pay when she bought her home 4 yrs ago (she used another lender)… Just wondering. Thanks!

Read more: Need info on mortgage lenders and credit report--who pays?

Anyone have info on r4everse mortgage network co.looking for areputable co?

Anyone have info on r4everse mortgage network co.looking for areputable co?

Read more: Anyone have info on r4everse mortgage network co.looking for areputable co?

Should I sell my loft? Paid $225K in 2012, now it is worth $400K?

I want some advice on whether I should sell my place or not. I will try to provide all relevant details.

I bought a large loft near the end of the foreclosure wave in 2012. I paid a little over 200K. Now I think I could sell it for 400K. It had sold for just a hair off 400K during the crazy times of the real estate bubble. I have it on a 15 year loan at 3 percent. Mortgage plus escrow plus hoa runs me about $2,200 a month. Just HOA is around $350. Property taxes are maybe $3200.

I already have a rental house in another city that I rent for 1,275, payment being 700. Not sure if that is relevant.

Won't have to pay income taxes on any sell, been there over 2 years.

This place is really big and nice, for me to rent something comparable would cost $2500-$3500 a month probably.

Quality of life is nice except for noise transference from upstairs neighbor to my unit. Spending the money to remodel and sound proof the ceiling is another consideration.

My main thinking in doing this is just to have the security of that much money in the bank, and look for another mispriced property. I have experience renovating places. Also would have money for stock investing and other ventures that interest me.

I really don't have much attachment to physical things, my freedom from debt means a lot to me, but this place is definitely me.

Has anyone else ever been through something like this, and if you went through with it were you pleased after the fact?
Added (1). Should I sell my loft?

Read more: Should I sell my loft? Paid $225K in 2012, now it is worth $400K?

Random Wondering - if you had to pick either or, which one would it be?

Complete pay off of your mortgage or the value of your home in free food from your local grocery store?
Added (1). *the food would be given to you when you ask for it, not all at once.

Read more: Random Wondering - if you had to pick either or, which one would it be?

Can you make money by making YouTube videos?

Can you be jobless, have fun making YouTube videos, and make money (at least enough to pay off your taxes, home mortgages, food, electricity bill, everything?)

What if you become the very top subscriber of YouTube?

Read more: Can you make money by making YouTube videos?

Who offers a low easy 30 yr. Mortgage?

I am buying a nice house… I am looking for the lowest mortgage that offers alot of ease.

Read more: Who offers a low easy 30 yr. Mortgage?

Who offers the best, lowest…and easy 30 year mortgage?

We are 50 y/o… Should we buy a home or rent in CT, since we plan to retire and move south in 10 years?

Read more: Who offers the best, lowest…and easy 30 year mortgage?

How long does it take to transfer the deed on a gifted house?

My mother recently got sick and is leaving me with her house, she decided to gift the house but the process seems to be taking forever, it's been 2 weeks since she filed it with her attorney but still no word from her on the progress. I'm just wondering how long this is suppose to take or if she even did this gifting at all.

Read more: How long does it take to transfer the deed on a gifted house?

Is Chapter 13 Bankruptcy a good idea?

My girlfriend is considering filing bankruptcy. She has 1 car debt of $7,000, another car debt of $10,000, and a personal loan from her father for $35,000 (This is an actual bank loan in his name rather than just "borrowing" money from dad). The loan from her father is off the books so there's no paperwork, and she has been making $360 payments to him for the last few months. She has an annual income of about $35,000 and has only $200 or so in disposable income (minus the $360 for her dad). Her stocks and money in her bank accounts totals less than $3000. She has a car that she is currently paying off, payments of $300 monthly with 18-months to go (Car payments are $280 so she has been paying $20 extra per month… Just to add more complications it seems…).

Here's the problem… Her dad owns a home in Arizona and she is on the deed with him for the house. The house is paid off in full, so no mortgage. Although she only has about $3,000, she is part owner of the home. Additionally, she lives in California and the home is in Arizona.

She cant afford to pay off $52,000 of debt while making so little money, and even if she managed to get a higher paying job, it would take her decades to pay this off.

So the questions… Will Chapter 13 protect her father's home? Will they even accept a Chapter 13 with her only making a few hundred disposable income? How much of her income would they actually take? What happens with her car/car payments?

Thanks!

Read more: Is Chapter 13 Bankruptcy a good idea?

Can i build credit through rental payments?

If i get an apartment, is there some way i can build credit with it? I have no credit at all, which could be a problem, although its worth looking into.

My main goal is to build credit. I read that opening a credit card doesnt impact it too much, and that mortgages and auto loans are what affect your credit score the most.

Is this true?
Any help would be appreciated.

Read more: Can i build credit through rental payments?

How much money will I be able to save as a Royal Marine commando officer?

If I join through direct entry at 18, I ll be paid 25k that year. I was under the assumption that I could save close to 25k that year if I chose to not spend much money as I wouldn t need to spend much because I d be accommodated etc.
To any current or former RM Officers how much money will I be able to save during training and whilst in service? (I m 16 and have no commitments and probably won t have any at 18 either so no money to mortgage or wife or children etc.)
Cheers

Read more: How much money will I be able to save as a Royal Marine commando officer?

If you're paying property tax on your property does that mean you don't really own yhe property at alll?

I mean let's say you pay off the mortgage then the property is supposedly yours but your still paying tax (which may aswell be rent) to the government. And if you don't pay the government takes it. Does that mean you don't technically own the property at all?

Read more: If you're paying property tax on your property does that mean you don't really own yhe property at alll?

Usufructuary Mortgage limitation and Tenancy?

Namaste, Can soneone please assist on below query.
A land was usufructuary mortgaged in 1928 for 6 years by Mr X to my Mr Y with possession towards interest.

Mr X died in 1968 without redeeming,

Mortgagee Y LET out property to Tenants under Karnataka Land reforms act in 1982. Mortgagee stood EXPARTE in that Land Tribunal case. Mortgager and his legal heirs were UNAWARE of this facts.

Can the Legal Hier now in 2015 claim for redemption of usufructuary mortgage property. If YES, what is the effect of TENANTS? Can Tenant be EVICTED from Mortgage land on Redemption?

we looked into the judgement given by Supreme Court ie., http://indiankanoon.org/doc/116608229/ "Singh Ram (D) Tr.Lr vs Sheo Ram & Ors on 21 August, 2014",
Can Usufructuary Mortgage done with a time limit is also entitled to be redeemed after 30 years? Or it applies only for Usufructuary without time limit?
Namaste

Read more: Usufructuary Mortgage limitation and Tenancy?

What's involved in owning a house in Houston, Texas?

I am thinking about buying a house but I want to first weight the pros and cons of doing so.
So I want to have a basic idea of the costs involved of owning a house:
1. Is there a maintenance fee?
2. Is there a property tax?
3. Do you recommend financing a house or buying it cash? What are the advantages of both methods?
4. How to obtain the cheapest finance option?
5. I see a lot of people renting some of the rooms in their house and letting strangers live with them so they can support their mortgage? Is it a good or a bad idea?

Read more: What's involved in owning a house in Houston, Texas?

Can I be rejected for home loan based on savings?

So I have only got 3k in my account and my wife has 350k wich she inherited my income base is 1.1k a week but averages at 1.5K a week and I am a pretty **** saver will I be able to borrow 150k to buy a 500k house?

Read more: Can I be rejected for home loan based on savings?

How much is the deposit on a house of $676,000 with monthly mortgage of $3230 over 30 years?

I saw this house online and really loved it. It's total value is 676k, est. Mortgage $3230/month and it is a 30yr pact. I wanna know what could be the possible primary deposit to buy this house.

Read more: How much is the deposit on a house of $676,000 with monthly mortgage of $3230 over 30 years?

I failed to pay mortgage payments to my x for two months, it was court ordered, what will my punishment be?

I failed to pay mortgage payments to my x for two months, it was court ordered, what will my punishment be?

Read more: I failed to pay mortgage payments to my x for two months, it was court ordered, what will my punishment be?

I didn't pay my part of the mortgage as court ordered for 2 months, what can I expect the Judge to do to me?

I didn't pay my part of the mortgage as court ordered for 2 months, what can I expect the Judge to do to me?

Read more: I didn't pay my part of the mortgage as court ordered for 2 months, what can I expect the Judge to do to me?

Wondering how to purchase home from family member?

My significant others grandmother is looking to sell her house before she is to old to me and my significant other. She wants to do this at a below market value price. The reason being largely that she doesn't want her estranged daughters chewing up any of the estate, and wants the houses to stay in the family.

Trust me us getting the houses is the only option. With this being said, we would like to give her some money (somewhere in the $300,000 range) using a mortgage.

Is the best way for this to happen by using real estate agents? Or could she somehow gift the houses to us and we give her the mortgage money.

Thanks
Added (1). This is in Canada

Read more: Wondering how to purchase home from family member?

Did not reaffirm mortgage through Wells Fargo need to miss one or possibly two payments. What will happen?

We filed for Chapter 7 in 2009 and did not reaffirm our mortgage. We have always paid every month and on time. My husband and I have separated and I have surgery coming up that I have to pay a percentage of my conisnsurance beforehand. I will also be out of work for three weeks due to surgery.

I just called wells fargo and basically got no information. They told me that I couldn't and wouldn't get any penalties or late fees but after the account was 45 days past due I might get a letter stating that it must be paid in full by a certain time to keep it from going further as in towards foreclosure. The agent on the phone said I might not even get this letter. What kind of answer is this?

I realize I am responsible for my mortgage. I am in a situation where I'm trying to do the best I can. I am terrified that if I skip the one payment that they will demand a double payment that I won't be able to make. I can start making payments normally but not a double payment.

Does anyone have any experience or insight into this type of situation?

Read more: Did not reaffirm mortgage through Wells Fargo need to miss one or possibly two payments. What will happen?

Elderly ladies is it true back then you were forced to marriage?

I work at a assisted living home and I just listen to their conversations with others during supper…
People get married now for six months and leave back then you couldn't. Is this true

Read more: Elderly ladies is it true back then you were forced to marriage?

MY LANLORD STOLE MY CAR KEYS WHEN HE TRIED TO ILLEGALLY EVICT ME AND MY ROOMMATES. WHAT SHOULD I DO?

I was living in my same home for over a year and 2 months ago myself and my roommates found out that the landlord had not been paying the mortgage in 9 months and the bank decided to start the foreclosure process on the house. He got upset with all of us when we said that we were no longer going to be paying him rent because of the foreclosure and would start looking for a new place to live. (THE LANDLORD DID NOT LIVE ON PROPERTY). So he tried to evict us illegally and we of course called the police. He got upset with me for calling the cops and came by the house and started acting crazy and making a scene. He started going in and out of the bedrooms and left before the police arrived. When he left I went to my room just to check on things and noticed my car keys were no longer on my desk. I called him saying I know he took my car keys and I want them back. He laughed about it and sarcastically denied taking them. I know that he took my car keys out of anger towards me and the other guys. I called the police on him again and they said that all they can do is go over to his house and ask him if he took the keys and if he says no there's not much they can do. When we moved to our new place I had to have my car towed. So now my car has been sitting around for weeks and I don't know what to do. I called the Mercedes dealer and they said that they are the only ones who can make a key and it would cost $345 for a new one. What should I do? This is for the Los Angeles, CA. THANKS

Read more: MY LANLORD STOLE MY CAR KEYS WHEN HE TRIED TO ILLEGALLY EVICT ME AND MY ROOMMATES. WHAT SHOULD I DO?

Where to start if I want to buy the house I am renting?

Do we start by just seeing if the owner is willing to sell? Or do we need all the details worked out?

We have 8 months left on our lease and either when its up, or one more year, we want to buy our first home

We have all the bugs worked out, and not asking in reference to getting a mortgage, but solely about where to start if we want to buy from our owner. Any ideas or tips

Read more: Where to start if I want to buy the house I am renting?

Getting a Mortgage Loan with Student Loans?

I m not asking how you get a mortgage loan with Student Loans, I m asking is it possible to get a mortgage loan if there is evidence of Student Loans/grants in your bank statements? I ve been reading up and see mortgage lenders want *usually* two months of bank statements to verify there haven t been any large deposits that aren t from working. Because any sort of cash advance, or other deposit that cannot be explained is a huge red flag and often a reason to deny the mortgage loan.

What if I already have a substantial amount of money I ve saved from work and the student loan is present? Because I can t not get my student loan. And I will be getting student loans and grants until I graduate for the next two years. Will I always be denied because there is evidence I ve got this or that deposit from loan/Grant? Or only if I don t have a good chunk of money from out of my own pockets?

Read more: Getting a Mortgage Loan with Student Loans?

Is it getting harder to purchase a home?

before 2007, purchasing a home was easier. Now, do you think purchasing a new home is harder?

Read more: Is it getting harder to purchase a home?

Man keeps calling to collect escrow payments. We aren't behind. What to do?

This guy keeps calling to collect back escrow but we aren't behind. Our mortgage company said we aren't behind. We told him this and he keeps harassing us, wanting a money gram. He even answers tge phone. I'm confused and afraid.

Read more: Man keeps calling to collect escrow payments. We aren't behind. What to do?

What steps can I take to prepare for the future, retirement?

I recently married. I have 20 yrs to retire. Spouse can retire in 10 yrs. He makes a 6 digit income. I was making roughly 38k. He said during engagement he would pay for me to attend college or I could work part time. After we married, commuting to my job wasn't working. I couldn't find job in my field and had to take pay cut to 23k. I looked into school or part time work. He wasn't very supportive. Last week, I found out he was keeping his adult sons as beneficiaries of his pension, 401K, Roths, and life insurance. He doesn't see the need for more insurance nor does he see the need to change beneficiary. He has no Will. He said I would get the house, although I'm not listed on the house. I cannot carry a mortgage on this house all by myself. Last week I got a new job with earning potential of 50k. It's a 60 hour a week, very physical job… I worry if I can handle it long term. That said, with the income, I am hoping to stock pile money and put more toward retirement, pay off my car. My question: what can I do to prepare for a future, retirement? I am worried that if I don't have a good job now or go to college and get a degree to open up more doors, I will be screwed if he dies (he has heart problems) or divorces me (we are fine). I feel he should be the one ensuring our future. Especially since his income is much greater than mine. I do realize, though that I need to take some responsibility too.

Read more: What steps can I take to prepare for the future, retirement?

On variable rate mortgage, I want to change it to repayment what shall I do without re-financing?

I am with mortgage express on the lenders variable rate mortgage, can I stay with lender and go on a repayment mortgage when I'm on a variable rate?
Since I obtained my mortgage 8 years ago my job has changed and my mortgage is on a variable rate- I'm paying interest only.
If I wanted to change to repayment what would I need to do? I'm worried because when I obtained my mortgage my salary was higher but now it's not- what options do I have because I don't think remortgaging will be easy.

Regards x

Read more: On variable rate mortgage, I want to change it to repayment what shall I do without re-financing?

My (soon to be) husband doesn't want a wedding ceremony?

He thinks that it costs too much and we've better use of that money (eg: mortgage)

He also refused to buy me a ring (He thinks that diamonds are rocks bought by idiots)

But what am I going to say to my parents? What am I going to tell my friends and relatives?

It's as if I am not married - no ceremony, no ring!

Read more: My (soon to be) husband doesn't want a wedding ceremony?

Refinancing my house… My name alone is on the deed. House was quick clamed over to me in my divorce?

The Mortgage is in both of our names still. I want to refinance or sell. He said he was told not to take his name off of the mortgage. Where do I stand?
Added (1). I believe his credit is not that good.

Read more: Refinancing my house… My name alone is on the deed. House was quick clamed over to me in my divorce?

Does moving someone into your home affect council tax?

this is my mother and fathers house and they live with my sister, she has moved her boyfriend into there house and all his worldly possessions, it is a mortgaged property and my mother and father receive benefits for my 2 other brothers who live there and are mentally retarded. I don't want them to get into any trouble with either benefit fraud or council tax fraud, is there anything to worry about, also there is a woman over the road from them who will grass them up if she gets the chance so I want to make sure I don't have to help them out of any sticky situations in the future. Thanks

Read more: Does moving someone into your home affect council tax?

Former tenant is mad I cashed their rent checks?

I was renting my house to a family. They moved out the first week of August. They had financial problems and had only been paid up through June. They wrote me checks in early July to cover the remainder of the lease (2 months rent) but told me to wait until July 31 to cash the checks. They then told me to wait again until Sept. 15 to cash the checks. I nearly missed paying my mortgage on that house so I decided I needed my money and cashed the checks early. Now the're in a fit because they said I wiped out their bank account. Was it wrong to cash checks paid to cover rent after they've already moved out?

Read more: Former tenant is mad I cashed their rent checks?

I am getting $150k in cash and $200k in retirement savings as settlement in my divorce?

I really want to buy the family home outright so I have no mortgage. It costs $265k. Is there some way I can cash in the retirement savings? If so how, and how much approx. Would I get for them? What are the disadvantages of doing so? Balance those disadvantages against having no mortgage?

Read more: I am getting $150k in cash and $200k in retirement savings as settlement in my divorce?

Veterinarian vs Engineering?

I am a sophomore in high school and trying to decide on a future career: Veterinarian vs. Biomedical or Aerospace Engineer? If possible, please answer if you have experience in the field or know someone who does. Info on: days off per year, days worked weekly, hours worked daily (both at work and home), amount of free time, and freetime for following personal interests. How will starting my own veterinary clinic change the work/life balance? Are these engineering jobs stressful? Do these veterknarian and/or engineering offer a work/life balance for supporting and spending time with family and friends during weekends, holidays, etc? And any similar career areas? Both career areas interest me alot, but I want a job where I can actually have a life with loved ones. Any information or personal stories are welcome. Thank you.

Read more: Veterinarian vs Engineering?

When taking out a second mortgage using collateral, is a security deposit still required?

For example, if someone had property worth $100k and it was fully paid off. Then wanted to purchase a second home for $50k, and was able to take out a second mortgage for $50k using collateral. Would they still need to come up with a security deposit of actual cash?

Read more: When taking out a second mortgage using collateral, is a security deposit still required?

How to get a mortgage business licence in West Bengal, India?

How to get a mortgage business licence in West Bengal, India?

Read more: How to get a mortgage business licence in West Bengal, India?

Can i spend my mortgage loan on other things then a house?

I want to get a house but If I get something cheaper then the loan can I use it to pay off other things like my car?

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IVA query. Does my husbands additional income need to be claimed for?

I m in an Iva and have been for 2 years. These were from debts I got into when I was younger before I met my husband. He is not included in the Iva - they have asked for his income and expenditure but he is not expected to pay anything towards it. We need to sell our flat. The block has become extremely unsafe there are fights and people sleeping rough, people smoking drugs and vandalising the place it s a nightmare im here alone a lot with my infant daughter and its frightening. My brother has kindly asked us to move with him while we sell the place and so we can save up for a new home. My husband pays the mortgage on our current flat and it will be him in the plus when we move in with my brother the only bills I pay is the council tax and Sky. If I tell Payplan we are moving out and im honest with them and explain that im no longer paying these bills and they can add the additional income to my payments, will they still want the money my husband is saving from not paying the mortgage?

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How to get a house for cheaper?

like what about foreclosure etc.

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Ex wife not leaving matrimonial home?

Hi my husband and I recently got married. He was married before and had two children with his ex wife. She has been staying at the matrimonial property for 5 years without him. For the first 4 years she was receving mortgage help and council tax benefit and only now shes started to pay the mortgage and council tax. During the time she received these benefits she had huge payments (over 70k) going into her overseas account- she'd done benefit fraud but can not prove it as we have no information on her overseas account. My husband and her are currently sorting out the financial order and settling outside of court. He wants the house back so we can live as a family- we have a 4months daughter. I currently live with my parents as the flat he has we cant afford to pay full rent so we live apart. The ex wife recently sold a flat in london and gained £150k as profit, the half of this was never given the my husband- he was never informed. My husband has nothing under his name other than the house which he wants back as the ex wife can afford to buy another property and we cant. As my baby is 4months and the other children are 6 and 9, can someone tell me who is more vulnerable- a baby or a child over 5? And whos side the court as likely to go towards if it goes to court

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What do you independent adults pay for? ( UK)?

Hi, I'm only 15 but interested in what you adults who have your own home, car and job pay for? For example what bills, mortgages, road tax etc? And how often do you need to pay for it? Basically what do you overall exactly need to pay for to survive in the UK financially?
Many thanks and please no rude comments? Xxx

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Do not want to sell family home?

The ex wants me to sell family home NOW, even though our son is 16 and still lives at home. It has been 8 years since the divorce and never have received child support. I have also made all the mortgage payments for the last 9 years. What can I do.

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Are there lists of seller finance real estate mortgages?

Are there lists of seller finance real estate mortgages? - 1

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Is it okay to write a cheque if there is a no contact order between you and the recipient of the cheque?

The police put in a no contact order on me so I can't contact my wife but I need to send her money for the mortgage is it legal to write a cheque to her if I have someone deliver it?

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I filed for bankruptcy in January. I need a mortgage loan now. Any suggestions?

I filed for bankruptcy in January. I need a mortgage loan now. Any suggestions?

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30 days Without official paperwork?

A family's home is Maryland was foreclosed on. It was HUD. It did not sell at auction as people did severe low-ball bids. It is now REO.

An occupancy check was done on August the 9th, 2015. The agent doing the check told the head of the household that she had 30-60 days after date of the Occupancy check to vacate. She was given NO official court papers, Notice to Quit. Zip - Zilch - Nada. Do they mail them or hand them to person in-hand? She has a P.O Box, but a lot of things she hasn't got around to changing address on many things, including lender - the family still gets their monthly statement from the lender that foreclosed on them.

That very next day, after the guy verified that there were still people living at the house, some company came right out at nearly night. They said that the lender got word that the place was unoccupied. They showed up, ready to gain access to the house and change the locks! After everything was sorted, they left - the lock changing undone - with a warning that the lender would send someone out at least once a week to check occupancy.
Added (1). The previous home owner just informed me, when I told her about the bank owning it, that it was done under a Reverse mortgage and now HUD owns the home, not a bank.

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How to cancel automatic payments set up on my mortgage?

How to cancel automatic payments set up on my mortgage?

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How to sell my house with owner financing?

How to sell my house with owner financing?
Added (1). I am trying to sell my house but I currently have tenants and they are asking about the possibility of me doing owner financing. I do not know anything about how to do owner financing however. I currently still have a mortgage on it so how would that work? I need to sell the house ASAP due to bills and other reasons. Please help me if you can.

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We are tenant and foreclosing our house?

Hello people,
Our landowner had a mortgage and he stopped to paying it like couples years ago. We moved in without knowing it and we've been living in this house for two years. Now we got papers from bank states that we have to move out, but we have a contract until January 1st 2016. So, according to our contract we have still couple more months. We just received a paper that states we have court date in a week. I don't know what can we do right know. Can anyone please advice me about this situation/

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If a relative die in still live in house and you did know that if second mortgage what ro do?

Did bout nothing or who to pay so went foreclosure can you back place back through a lawyer or what to do?

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What are the negatives of revers mortgages?

What are the negatives of revers mortgages?

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How to sell my house WITHOUT a real estate agent when I still owe on my mortgage?

I'm thinking about putting my house up on the market, but I don't want to go through a real estate agent because I would like to come out with a little money leftover after paying my mortgage off. The balance on my loan is around 42k to pay it off. The house is assessed at 70k. I know all of the steps that it takes to selling the house by myself, I just don't know the process or the steps to take if someone decides to actually buy it. I don't know how it will be handled as far as paying off my mortgage, who to go to, what forms to sign and such, etc.

Can someone please help?

Thanks!

Read more: How to sell my house WITHOUT a real estate agent when I still owe on my mortgage?

Sell 2 houses to buy 1 with elderly parent. What is the best approach for mortgage?

My husband and I are looking to take in his elderly father, who can no longer live alone. We currently dont have the space, so we need to buy a new home. We need to sell his and ours. What is the best approach for a mortgage? Do we get a new mortgage loan with his father or have his father 'gift' us the money he is supplying?

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Mom rented out room in the house to a guy. Am I overreacting?

I'm 22 years old and for the past couple of months, I moved back to my mother's house after graduating college. I moved back mainly to save money but also to be close to my mother before I move out of state.

Ever since my brother moved out with his girlfriend, she started complaining about money… All she wants to talk about is bills and how she can't afford living in this house and how she has to pay for everything. I tried to be understanding, so of course I pay her the phone bill and help out with the mortgage. But at this point, I'm starting to feel more like just a roommate to her than her daughter, and it has been stressing me out.
About 2 weeks ago, she mentioned to me that she was thinking of renting a room to this guy we are acquainted with. I told her NO that would be awkward and it's a bad idea. Last night, I get a call from her saying "The room is all cleaned up and it's being rented out!" She was all happy. I literally felt sick to my stomach. How can she just call me when I'm on my way home, telling me some guy is living in a room across from mine? And the fact that he's a GUY?

When I got to my room, a mattress was missing from my bed (two mattresses make my bed taller) And she said she gave it to him. So I guess he doesn't have a bed? I'm so uncomfortable in my own home! Am I overreacting? She keeps victimizing herself, saying she needs help financially even though I was helping her. I told her I want to move out and she still wants me to stay.

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Is there really a financial crisis, or doomsday coming next month?

I asked this question recently but I didn't realize until now that I didn't put it in the right category so I apologize to anyone who's seeing this again.

But I did add a little more detail to this one. Anyways, I was just scrolling around the Internet and I stumbled across a page on FB that's supposed to be a "conspiracy theorist" page. Saying in 35 days the value of your currency will decrease. For example: you would be paying 30$ for a gallon of gas and your 200,00 house mortgage will now be 2 million. They stated how this will cause everyone to go to fema (or fema camps.whatever) pretty much being forced there. Is this possible? They were also saying things such as "The pope will make an announcement about a NWO in September". Then I see another article saying a meteor is going to hit between September 15-25 but this one I didn't really pay no mind because it made no sense. I also saw a video from Alex Jones pretty much saying his "high up friends" told him to leave the country by September. There was more too it but I won't go into detail. But is it just a coincidence that it all is supposed to be happening next month? I'm not saying I believe it but at the same time I'm not going to say it's all BS. I try to pay no mind to conspiracy theories so this is why I'm asking.

I'd rather hear an answer from somebody who can explain why or why not it is or isn't true and can provide some sort of facts. Because I don't just like to rely on one source from Google as I said.

Read more: Is there really a financial crisis, or doomsday coming next month?

How should tenants who rent weekly/bi-weekly pay their rent?

I rent the first floor of my house by rooms. There is no lease; I give tenants the choice of paying weekly or bi-weekly, but not monthly. I have so far encountered two tenants who argue that they do not owe rent for the fifth week of months that carry five weeks because a month typically has only four weeks and they would be paying extra if they do. My argument is that whether there are generally four weeks in a month, they are renting weekly/bi-weekly and should not have a week for free. I cannot say to the bank that I'm short on my mortgage because a particular month has a particular amount of days. I understand for tenants who are on a month to month lease the monthly rent is always the same. Am I right or wrong in my logic?

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Does the mortgage have to be free and cleared from the bank in order for the seller to hold it?

We are hoping to buy a house and the seller is willing to hold the mortgage but now I'm being told that in order for then to hold the mortgage they have to have the money to pay out the mortgage from the bank then they can hold it! Doesn't that defeat the purpose of holding a mortgage.im confused

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Which is a better option a 30 year fix or a 15 year fix mortgage?

Which is a better option a 30 year fix or a 15 year fix mortgage?

Read more: Which is a better option a 30 year fix or a 15 year fix mortgage?

Defaulted judgment on second mortgage and filed a motion. What hapens if my motion is denied?

I have a second private mortgage on my property and it got a default judgement against me. My attorney is filing the motion to vacant the default judgement what happens if the judge does not vacate the default judgement. What can I do if he denies the motion?
Added (1). Defaulted judgment on second mortgage and filed a motion. What happens if my motion is denied? What else can I do after that?

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Should I buy a condo when I graduate college?

I will be entering my final year in college. Ever since I've been 15 I've been working at part time jobs and now that I'm in college I still work. My parents helped me invest nearly all my earnings in mutual funds and stocks and they had a 529 savings plan for me as well. But since I got a full scholarship I didn't need any of the money they saved up and I didn't use any of the money I saved and invested on my own either. My parents said they will give me the entire balance of my 529 savings plan and I also have almost that money I've been saving since I was 15 so if I take out a mortgage I will have about enough to make a deposit for a mortgage of about $230,000 when I graduate college. Now I have plans to going to grad school when I'm in my mid to late twenties so I don't really want to buy a house for such a short time but I also don't want to rent an apartment because I think renting is a waste of time because if you buy something it builds up equity and can be sold later for a profit. So I was thinking of buying a condo and working on paying that mortgage and then hopefully selling it for a profit so I will have money when I go to grad school. Do you think I should buy a condo or just rent an apartment? Thanks!

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Can you reduce your mortgage payment by paying 20.000 on principal?

Can you reduce your mortgage payment by paying 20.000 on principal?

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I live in philadelphi how do i apply for an fha home loan?

I cant find anything on the internet about how ro apply. The internet just tells what it is and a lot of phony websites

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Someone has been using my credit since 2011 & earlier I will be 20 this month?

I used a free credit score check because I kept being denied for small credit cards that would usually accept someone with new credit.

It says I took out a mortgage in 2011, and opened up a auto loan for a car in 2013, gotten all types of credit cards.

I didn't even learn my social until 3 months ago,

It wasn't my mom and I've never met my dad until last month for the first time.

Yet it's asking me questions about people on his side of my family.

What do I do?

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Someone has used my credit how do I fix this?!

About a year ago I tried signing up for a pre paid card they needed my social, for them to know it was really me they asked me odd questions like "What was your first car"

& Which of these family members do you know " …, …, …, …" They were all family members on my dads side who I ve NEVER met in my life.

I recently this year tried signing up for an Amazon credit card since I should have 0 credit I thought I d build, I was denied

Just now I went to a free check your credit service and they say I took out a mortgage in 2011! And have used my credit to buy a car, and got a credit card at a retail store!

I KNOW this wasn t me I wasn t even 18 in 2011 I m going to be 20 THIS YEAR!

Please tell me how I can fix this!

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What's the benefit of a high credit score?

I know people say it helps you get a loan on a car/house and a lease, but otherwise what's the point of it? I pay EVERYTHING in cash or debit, I don't lease or finance on a car, I just outright buy it in it's entirety (yes even when it's time to get a new one, I will buy it in it's entirety. I have FANTASTIC saving methods), I am actually saving up and currently have a $65K job, so in around two years, I'm BUYING a home, not financing, not mortgaging, not borrowing money from the bank. And I am single so not like I gotta do loans for other people and such? So what other benfits is there to having good credit score. I'm still young so I want to understand now before it's too late.

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Financial advisors in oklahoma?

I am 73 years of age, My home is paid for, valued at $175,000. I have $50,000 in bank. I draw from Social Security $1100. Per month. I would like to tap into the equity of my home. I am afraid of a Reverse mortgage, if I borrow on my home I don't think I can make payments on the note. I want to stay where I am at.

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Loan against property mortgage?

My maid has a flat alloted to her husband under slum rehabilitation scheme in Mumbai. Is there any way that she can get a loan against her property from any bank. She has taken a private loan of 3.25 lakhs for she has been paying interest @3.5% pm. She needs to urgently pay back this loan. I really want to help her. But don't know how. The market value of this flat is about 12-13 lakhs. But there is a lock in period of 10 years before they can sell it. Its 8 years since they got it. She doesn't want to sell her house. She's willing to pay am EMI of 15000/ a month. Please help. Its a noble cause.

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Why would by credit report say in account status for a mortgage closed-paid-closed?

Why would by credit report say in account status for a mortgage closed-paid-closed?

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Need to close a credit card but don't know which one to close without hurting my credit score?

I have 4 credit cards that I have just recently paid off. My question is which ones should I close? 2 of the accounts are Paypal? I have 692 credit score and I am about to apply for home mortgage loan. I have owned each account between 5 and 3 years. They all have an interest rate in the high teens. Please advise?

Read more: Need to close a credit card but don't know which one to close without hurting my credit score?