Question on mortgage history in realist report

Asked by JmNYC, New York, NY Mon Jun 1, 2009

I am investigating a house of interest. When I review the realist report I see a mortgage history as follows:
Original purchase 4/2001 425,000 (264,000)
Followed by the following mortgages:
6/2002 150,000
3/2003 367,000
5/2004 360,000
7/2008 200,000

What are these mortgages - are they refinancing or home equities? Is it possible to tell what is happening here? Thanks.

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Brownpeter33, Home Buyer, Holmdel, NJ
Tue Oct 24, 2017
how can i find my previous lenders
0 votes
That is not public information. Only you would have the names. If you don't know the names of your previous lenders, nobody else can help you.
Flag Tue Oct 24, 2017
Joan Congilo…, Agent, Freehold, NJ
Thu Jul 5, 2012
Most likely they are lines of credit, home equitiy loans or refinances on the property
0 votes
Alex Kushnir, Agent, Monmouth, IL
Mon Mar 15, 2010
I agree with Tc. You can also get a sales data from here . It will help to map address to block/lot
0 votes
Tc, Home Buyer, Holmdel, NJ
Fri Dec 4, 2009
If you are still interested, you can get the whole history of recorded documents, i.e., mortgages for monmouth county homes at . Just put in the block and lot under document search. If you need block and lot look at tax map id and enter the town and street to look up the info. Hope this helps.
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Cheryl Laper…, , 07733
Wed Nov 4, 2009
Realist does not show what mortgages have been satisfied. So you cannot tell what was done. Also realist doesn't distinguish between a line of credit or refinancing. There is no way to tell by looking at Realist. Sorry.
0 votes
Francesca Pa…, Agent, Manasquan, NJ
Fri Jun 5, 2009

Would you mind emailing me direct on this or calling? As a result of your inquiry and my continued curiousity, I am going to make another attempt at getting some assistance from my local MLS, but before doing so I have some questions of the property you are questioning.

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JmNYC, Home Buyer, New York, NY
Thu Jun 4, 2009
I am thinking they took out an original mortgage of 264,000. Then in 2002 they took out 150,000 as a home equity. In 2003 they refinanced the total amount of 264,000 + 150,000 = 414,000. However the refinance amount in 2003 was 367,000 so maybe they paid down some of the balance at this time. Then 2004 was another refinance at 360,000. 2008 looks like a 200,000 home equity. So I am thinking they have an outstanding balance of 560,000 on the house. This is my guess - but would like some additional feedback.

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Francesca Pa…, Agent, Manasquan, NJ
Wed Jun 3, 2009
Excellent question! I've been trying to get an answer to this for 2 years now with my last attempt being within the last month. Unfortunately, the responses I've received from the local association of realtors have proved to be invalid.

I'm going to follow this post with you. Hopefully someone out there has figured it out!

Love and Peace,
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