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Recent real estate law questions

I recently received a letter from the loan company and am

I recently received a letter from the loan company and am not sure what to send them next. please take a look at it and let me know what you think

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
I have a question regarding. Obtaining a title of Executor

I have a question regarding. Obtaining a title of Executor of Estate. My dad passed in 2012 and now we are having issues with the mortgage and getting questions answered by the mortgage company that has been causing problems since November of 2015.

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
Our primary and only residence (between 1996 and 2011) where

Our primary and only residence (between 1996 and 2011) where we resided in Vienna Virginia (accept for a 3 year duration when we lived abroad on work assignment) we rented out in 2011 when we bought a second residence. Altogether we have lived 12 years of the 20 years of owning our Vienna residence as primary residence (60 percent of the time).If we sell the house now we understand that we will have to pay the full capital gains tax and not be able to get the exemption on capital gains (ie of the $250K individual and $500K joint). We understand the test for exemption is 2 yrs of the last 5 yrs (40 percent). Would IRS accommodate a case where you have lived in the residence a total of 60 percent. Would IRS make exemptions on a case by case to people who have lived well over the 40 percent threshold applied over the last five year test period ?

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
I would like to add my adult daughter to my mortgage. The house

I would like to add my adult daughter to my mortgage. The house is not paid off, but in the event of my death I would like her to keep the house and continue to pay for it.

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
My father died last August and in his will my brother and I

My father died last August and in his will my brother and I split his possessions 50/50. He left a home with a small mortgage. My brother and I have agreed that I can have the house. I contacted the bank with the mortgage to inform them I would be taking over mortgage. They say I cannot assume it and must get a new mortgage myself. I thought under federal law I was allowed to assume mortgage. The state is Illinois

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

 
44,742 satisfied customers
My parents signed a Quit Claim deed house we all live

My parents signed a Quit Claim deed for the house we all live in. The mortgage is in their name, but my name is ***** ***** deed as a life estate (I think that's what it's called). I want to continue living in the house after they die. Once they're gone, do I need to put a down payment on the house, or can I just assume responsibility for the payments? Would I have to be approved to take over the rest of the mortgage through a lender?

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
If a man & wife are both on the mortgage & the wife dies, can

if a man & wife are both on the mortgage & the wife dies, can the husband keep the house as long as he makes the payments or can the mortgage holder take the house ? this is in the state of alabama.

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
My mother passed away Jan.27 2011.I live in the house under

My mother passed away Jan.27 2011.I live in the house under the estate of Kathleen Sipiorski.Tried to refinance but my credit not great.How can I get house in my name? I have quick deed made out by Dennis Adt

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Richard

Owner

Doctoral Degree

 
45,896 satisfied customers
ForCustomer Are you able to help me with a co-op

ForCustomer Are you able to help me with a co-op transaction? Thank you.

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3,740 satisfied customers
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