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Showing results for Name On Home Deed But Not Mortgage [Clear search]
Suzanne MacD…, Real Estate Pro in Morristown, NJ
Suzanne MacDowell answered:
Hi, I applied for housing loan to buy a property,and now my question is can I bu ... my spouse name?she is a home maker . ...
Does your spouse have an income? There are a lot of factors that go into qualifying for a mortgage, one is income. Another is the amount of debt that person carries as compared to th ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in 92122
Julie Smith, Real Estate Pro in Columbia, SC
Julie Smith answered:
Cn I get a usda loan for a new home if I currently am in a rent to own situation with a family friend? ...
It sounds like you won't be able to get a USDA loan at this time. You do have the option to take your contract to an attorney for review. uSDA loans main benefit is to allow people to ... more
0 votes Share Flag Tue Dec 3, 2013 Home Buying in Lexington
Cheryll Wood…, Real Estate Pro in Mount Pleasant, SC
Cheryll Woods-Flowers ABR answered:
What are Regime Fees?
Dear jrolfes,

I would love to help with information regarding regime fees! Please let me know what property you are asking about and I will get the information for you.

Best rega ... more
0 votes Share Flag Mon Jul 22, 2013 Financing in Mount Pleasant
Becky Loar, Real Estate Pro in Lawrenceville, GA
Becky Loar answered:
Do we have any recourse for last-minute change on Fannie Mae HomePath sale?
Well, I feel like I can actively answer these now in that I am revamping myself to help buyers and sellers and asset manager across the country after beating the pavement for 33 years o ... more
0 votes Share Flag Sat Mar 30, 2013 Home Buying in Atlanta
Tim Moore, Real Estate Pro in Kitty Hawk, NC
Tim Moore answered:
When is it better to rent vs buy?
It's a good idea to rent vs buy when?

When home prices are dropping.

When interest rates are high and going higher.

When you think you will be moving in 2-3 years or less.

... more
0 votes Share Flag Wed Mar 27, 2013 Home Buying in 49460
Jory Blake, Real Estate Pro in Norco, CA
Jory Blake answered:
I gave my house up during my 2008 bankruptcy. Bank of America didn't foreclose the property until 2012.
Ok, quick question for your lender....Did you verify the recording date of the foreclosure before telling me I could obtain a loan?

It is easy to print out a pre-approval letter and ... more
0 votes Share Flag Mon Aug 10, 2015 Foreclosure in Riverside County
Kawain Payne, Real Estate Pro in Seal Beach, CA
Kawain Payne answered:
My wife has fair credit (about 640 and mine about 760). Am I able to apply for a mortgage without her, incl ...

You may apply for the loan without using your wife, if you do not need her income to qualify.

Remember the credit score is one factor in deciding on a loan approval. Other ... more
0 votes Share Flag Fri Mar 22, 2013 Home Buying in Pewaukee
Gordon Golds…,  in Louisville, KY
Gordon Goldsmith answered:
Home loan issue
If you did not put your name on the loan and did not sign the mortgage note, then there should be no way a lender could come after you personally. The home has already been taken back b ... more
0 votes Share Flag Sun Sep 1, 2013 Foreclosure in Louisville
Debra M. Buck,  in Charlotte, NC
Debra M. Buck answered:
I'm buying a new home in concord NC, and I want to know the closing cost
Hi Mostiman!

I assume you are purchasing without a Buyer's Agent? You really should retain one for this very reason so you can be guided on your Purchase and have your interests rep ... more
0 votes Share Flag Mon Mar 18, 2013 Home Buying in Charlotte
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
We have an "owner financed" home.
If the house is in YOUR name, then your name appears on the Tax Records.
Either your "landlord" is suffering under a delusion, or there is a SCAM.
Check the Tax Records and the Title ... more
0 votes Share Flag Sat Mar 16, 2013 Foreclosure in Texas
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
What can I do if we need to renew insurance on a house we took title from my bro ... claim deed but now the insurance company won't renew? ...
You may need to find a new insurance company. Typically by recording a quitcloam deed a home that has a mortgage, the bank that holds the mortgage can "accelerate" the amount due and be ... more
0 votes Share Flag Thu Mar 14, 2013 Home Insurance in Florida
Alison Hillm…, Other/Just Looking in San Francisco, CA
Alison Hillman answered:
Why do so many renters not buy already?
I speak for myself that while I live in the most expensive city in the US to rent, I haven't bought yet because I don't know what my life will look like in the next five years! I predic ... more
0 votes Share Flag Sat May 4, 2013 Rent vs Buy in 92078
John Crowe, Real Estate Pro in Austin, TX
John Crowe answered:
Can you transfer title if there is a lienholder? If you do transfer the warranty deed. Is it legal? ...
Lots of folks move title from an individual name to add another, say if a marriage occurs, or do things like move homes into the names of children, a trust or LLC. Have you spoken with ... more
0 votes Share Flag Mon Mar 11, 2013 Home Selling in Austin
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
How can somebody I know do "Buy & Bail" last month?
Changing ownership does not change the mortgage obligation. He may add them to the title, which is not uncommon, and this does nothing to their mortgage obligation, so I don't k ... more
0 votes Share Flag Mon Mar 11, 2013 Home Buying in 98166
Russ Ravary, Real Estate Pro in Commerce Township, MI
Russ Ravary answered:
What if i dont have the 10% or 20% down payment so i can not be able to buy a home?
You can buy a home with as little as 3.5% down with a FHA mortgage. Call a local lender to sell all your options
0 votes Share Flag Tue Apr 16, 2013 Home Buying in Blaine
Emily Knell, Real Estate Pro in Huntington Beach, CA
Emily Knell answered:
my name is not on the loan but on the deed.I am not married
Yes you can. I did this recently for a lady who's parents were also on title but not on the loan for a short sale & it's just easier for me to deal with & get signatures for 1 person r ... more
0 votes Share Flag Fri Nov 8, 2013 Home Buying in 91401
Keith Jean-P…, Real Estate Pro in East Brunswick, NJ
Keith Jean-Pierre answered:
What are the closing costs and one time expenses associated with home buying?
Dear Mrs. Curtis:

Closing costs as a buyer tend to be in the 3% - 4% range of the purchase price. A number of factors determine this but are not limited to mortgage payments, points ... more
0 votes Share Flag Tue Feb 26, 2013 Home Buying in Boston
Ken Allen, Real Estate Pro in Clearwater, FL
Ken Allen answered:
My husband and I are in search of a housing community similar to Lansbrook within the Tampa-St. Pete-Clearwater area. Any suggestions?
Westchase would be very similar. You will love it. Very family oriented, tons of parks and lakes. Awesome schools, golf course, community pool, etc. It is also great and easy access ... more
0 votes Share Flag Wed Mar 6, 2013 Home Buying in Tampa
David Cooper, Real Estate Pro in Encino, CA
David Cooper answered:
Vacating a jointly owned property for 2nd FHA loan. Can I be exempt from the old mortgage when figuring ...
What name is on the deed of trust? Are you a cosigner on the mortgage?

David Cooper
0 votes Share Flag Sat Feb 23, 2013 Home Buying in Las Vegas
Tom Burris, Real Estate Pro in Baton Rouge, LA
Tom Burris answered:
Getting married this July. Considering buying a house before then. I plan to use my VA home loan and TX Ve ...
Not unless the fiance is also a Veteran.

You would have to be married to apply jointly.

Now... this isn't to say that you cannot apply now..... you just can't CLOSE on the loan un ... more
0 votes Share Flag Tue Feb 26, 2013 Home Buying in San Antonio
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