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• 1. B

     due on transfer clause

     You're Fine The deed did NOT transfer. There is no problem. You have only given up your title rights, not any obligation to a NOTE; (which is what needs to be paid off for 'due on sale/transfer.') You are still obligated to any NOTE you sign regardless of your vesting. The other couple does NOT...

     • BriantheBanker
     • Post #4
     • Aug 24, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  2. B

     seller backed out

     Enough So is this what you do when re-runs of The People's Court aren't on? Bald? yeah, sure- why not. since you know me, personally attacking me is appropriate. "Business is slow so let's go gang-up on another member." Is that what you think??? I was trying to shrug-off your rudeness. Enough...

     • BriantheBanker
     • Post #19
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  3. B

     seller backed out

     hmmm Oh yes, and your activity is very helpful to consumers. Thanks for jumping in. Focus on topics instead of bashing. :cool:

     • BriantheBanker
     • Post #18
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  4. B

     seller backed out

     medicate Sorry you are having a bad monday. It is nice that several members offer their advice as binding and absolute. so, gee- i guess you told me. focus on the 'posters'. Bashing me makes me smile. Try it sometime :eek:

     • BriantheBanker
     • Post #16
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  5. B

     Trying to refinance, Please help

     underwriter worries Yes, You could ask for the title policy to read with exceptions, but because the debt is title affecting, the underwriter will most likely NOT insure over. The original escrow office insured the purchase in 03, they may insure over. the problem is that the lien would have...

     • BriantheBanker
     • Post #7
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  6. B

     Who is the owner?

     excellent Yes, the courts will handle this similar to a divorce. If the parties cannot agree on an equitable seperation for all, the court will (most likely) require the property be bought out or sold. If you don't want to move, you can offer to buy out your sisters interest (her protion of...

     • BriantheBanker
     • Post #5
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  7. B

     legal terms ??????

     dup post You have this topic kinda spread-out on the forum. If you have been paying (him) as agreed, you have a case. talk directly with (his) mortgage co. and try to work things out. Him not paying his mortgage WILL NOT affect your credit. (Unless there are utility bills, etc... that you...

     • BriantheBanker
     • Post #5
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  8. B

     Trying to refinance, Please help

     also, A bk discharge does not remove the lien position of HOA. But, old Escrow from 03 should insure. btb :confused:

     • BriantheBanker
     • Post #5
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  9. B

     Trying to refinance, Please help

     ???? So you sold the house that had a HOA judgement on???? Then bought another house in 03??? Did you sell the house from 95=96??? If the HOA had a lien on the other house, the account should have been cleared by escrow at close (to transfer clear title.) If you bought in 03, call the...

     • BriantheBanker
     • Post #4
     • Aug 23, 2004
     • Forum: Mortgages, Refinancing & Foreclosure
  10. B

      foreclosure pending need assistance

      force of habit I wasn't trying to advertise. I have signed the same way for 6 years. Didn't mean to be a rule breaker. :eek: :eek: :eek: :eek:

      • BriantheBanker
      • Post #5
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  11. B

      Equity Out Of Property In A Life Estate?

      how bad do you need the $$? If you are the only interest in the property (other than Aunt,) Talk to estate attorney about refinancing property. You may be able to Quit on title and refi. There is a way to accomplish this. BriantheBanker

      • BriantheBanker
      • Post #5
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  12. B

      Foreclosure FROZEN ???

      talk to company request (he) allow you to talk with (his) mortgage personally. You need to determine the true status of the mortgage. BriantheBanker

      • BriantheBanker
      • Post #3
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  13. B

      seller backed out

      sure! I prefer to let others correct my spelling. thanks! btw: I didn't know that this forum required ABSOLUTE statements. I would think a lawyer could appreciate my joking "i think" on a CHAT FORUM. I used to participate on a major forum that was very good for consumers for years, then slowly...

      • BriantheBanker
      • Post #14
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  14. B

      HOA trying to take home

      try to work it out You should have paid the fee and then sued for the return of any overpayment. Failing to pay put the association in the right and you in the wrong. If you ask the tax accessor for an explanation about your taxes, you would not get one. If you don't pay your taxes, they can...

      • BriantheBanker
      • Post #2
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  15. B

      Deafult Question

      Don't worry If your loan is truely "ready to close," Your mortgage officer should be clearing/meeting underwriter conditions (ie: paystub, home owners ins, etc...) If your loan is not actually APPROVED by the lender, the lender could request verification the mortgage payment was made on time...

      • BriantheBanker
      • Post #7
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  16. B

      Need advice on marriage & forclosure

      analysis until paralyzed Pardon the expression. There is an old saying in the mortgage business. Don't analysis a situation until you are paralyzed. If you continue to worry about the equity your house might have in it AND IN THE MEAN TIME, allow the house to be foreclosed, you won't need to...

      • BriantheBanker
      • Post #6
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  17. B

      Payoff Demand Statement

      a phone call goes a long way I also would recommend calling your current servicing company. If C.Wide just transferred your loan, don't call them, call the current servicing company. The paperwork you received is (as amm indicated) most likely an advertisment. Good luck, BriantheBanker

      • BriantheBanker
      • Post #3
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  18. B

      need legal term defined

      retain someone You should be able to retain legal for <$2500. Your Land contract holder is in breech of your contract; (if you were paying him and he was not paying mortgage.) If the foreclosure is because you weren't paying him, move. If you have a ligitimate contract, the LC holder should...

      • BriantheBanker
      • Post #6
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  19. B

      Redemption period

      depends on mortgage company can find redemption info in the paper work from the foreclosing mortgage company. Depending on if the comp is federal or state could affect redemption times. Determine if foreclosing comp is fed or state. then do research with either the Office of the Comptroller •...

      • BriantheBanker
      • Post #2
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure
  20. B

      oral contract

      proof's A court will have to review proof's from each party. Too complex for chat verdict, (in my opinion.) BriantheBanker

      • BriantheBanker
      • Post #3
      • Aug 23, 2004
      • Forum: Mortgages, Refinancing & Foreclosure