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Recent FHA Refinance questions

Can I sue my HOA and/or fellow condo homeowner for not settling

Can I sue my HOA and/or fellow condo homeowner for not settling a lawsuit file by the homeowner to reveiw the HOA books and his debit history. Their failure to settle is preventing my fha refinance loan from proceeding and costing me a great deal of money each month.

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kattorney

attorney

Doctoral Degree

1,646 satisfied customers
My husband and I are divorcing. We have a home in both of

My husband and I are divorcing. We have a home in both of our names we purchased in 10/2007 and then refinanced in 01/2010. Our monthly mortgage payment is $2625 including PMI. He has not paid mortgage since May of this year and I have been obligated to pay monthly through the divorce proceedings. He is out of the home now. We anticipate a finalization of the divorce by the end of 2011. We have a HARP loan (01/2010) at 6% interest on a home in which we owe $320K. The home is valued by Zillow currently at $240K. Banks locally have all been telling me the same thing; they can offer a lower rate so long as I refinance. They usually say that they cover 90-95% of the appraised value for the loan (Appraisal is $240K - coincidentally) and that I would have to come up with the rest to get the interest rate lowered. So following their thinking, Let's say I could luckily find a bank to refinance at the 95% rate, it would still be a loan for $228K and I would need to come up with ~$95K including closing costs!! That's jsut ridiculous. If my husband and I cannot qualify for the assumption via WFB (which has refused to lower the rate), we would be obligated to sell (try doing that in the winter in New England) and each respectively eat the $50K difference. I'm worried about losing my job also and as winter approaches the cost of heating is just frightening. I would like some solid advice as to what options I have (aside from the assumption). This is a huge responsibility which I may not be able to handle alone and would like to know if there is any federal monies available or banks which help customers get a lower rate without an appraisal. I dread the thought of foreclosure or short sale as I do not want to destroy my credit.

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Roger

Litigation Attorney

Doctoral Degree

34,968 satisfied customers
I signed preliminary documents with Freedom Mortgage Company

I signed preliminary documents with Freedom Mortgage Company to do a streamline FHA refinance. Their original GFE for my expenses was $325. Then it was $810. Now they say $750. If I go to the closing and it's a lot higher and I decide not to close, am I responsible for still paying other fees to them?Cathy

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

53,196 satisfied customers
I am just researching about a proposal that was presented to

I am just researching about a proposal that was presented to me this am. My neighbor is selling her 130 acre tract of land next to us. We were going to buy 10 acres adjacent to out long driveway for privacy reasons. The prospective buyer has proposed to purchase all of the land and sell us the timber off of 10 acres. I'm not sure what all of this means. I just want to keep a privacy buffer between the the tracts.JA: Where is the property located?Customer: Waverly Hall, GAJA: Has any paperwork been filed?Customer: no, just throwing ideas around right nowJA: Anything else you want the lawyer to know before I connect you?Customer: is htis going to cost me?

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Damien Bosco

Attorney

Doctoral Degree

3,830 satisfied customers
My father and I are planning to add my name to his house

My father and I are planning to add my name to his house deed as joint tenants with right of survivorship. I am not sure how to answer the questions on the Real Property Certificate of Value St louis County, specifically 6H, and then number 8 if needed. There is no transfer of money, just new deed to file. And do I have to send this Certificate of Value in before filing the quit claim deed?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: missouriJA: Has any paperwork been filed?Customer: no, just trying to understand the process before sending anything inJA: Anything else you want the lawyer to know before I connect you?Customer: i don't think so

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

53,196 satisfied customers
I had a judgement in nys 5 years ago how many years is there

I had a judgement in nys 5 years ago how many years is there for it was from a bank if I sell my house do I have to pay off the judgement off? Steve

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INFOLAWYER

Attorney

Juris Doctor.

42,374 satisfied customers
I did remodeling work as a contractor for Dodd. He did not

I did remodeling work as a contractor for Kevin Dodd. He did not pay me so I sued him in small claims court. I was awarded a judgement. Kevin Dodd stopped paying his mortgage so his mortage company filed a COMPLAINT ON PROMISSORY NOTE AND TO FORECLOSE MORTGAGE. I am named in the Complaint and have been issued a SUMMONS requesting an answer.I can type this up and file it with the court myself, yet I want to make sure I work my answer correctly so that I do not give up my right to collect the money owed to me.

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Damien Bosco

Attorney

Doctoral Degree

3,830 satisfied customers
I have a contractor threatening me to file a lean against my

I have a contractor threatening me to file a lean against my home he signe an agreement with me that he was paid in fullJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: MassachusettsJA: Has any paperwork been filed?Customer: Not yetJA: Anything else you want the lawyer to know before I connect you?Customer: No

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Ray

Lawyer

Doctoral Degree

42,574 satisfied customers
What does this statement mean by the attorney for the

What does this statement mean by the attorney for the Plaintiff? “Wherefore, the Plaintiff moves the Court for reconsideration of the ruling sustaining the Demurrers without leave to amend the Second Amended Complaint.”

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Lucy, Esq.

Juris Doctor

33,546 satisfied customers
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