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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

33,448 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

46,420 satisfied customers
I rent an office in Queens, NY for $696 per month. I had a 1

I rent an office in Queens, NY for $696 per month. I had a 1 year agreement which ends September 2016. I tried to opt out 2 months prior to Sept 2016 but told my agreement automatically renews (whether I sign or not) if I didn't opt out 3 months prior to Sept 2016.Sometime in June 2016, I explored renting additional space for $200 more per month starting September 2016. The office manager told me verbally she would try to work something out but never responded in writing or with a amendment renewal agreement.In July 2016 I ran into financial problems and wanted to end my agreement. I was told I couldn't because the agreement stated I had to opt out 3 months prior to September.this month the company charged me $896 stating that I requested additional space. I refused to pay because I never received an amended agreement specifying the new or amount or the new terms of which space I would be renting for $896.The company is refusing to accept my payment for the $696 which is on the renewal agreement stating that will mess up my credit and make me accountable for payment of the 1 year renewal after my agreement is terminated for failure to pay.

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

46,420 satisfied customers
We live in a quiet residential neighborhood in Tustin, CA.

We live in a quiet residential neighborhood in Tustin, CA. The new owners of the house next door (who none of us know) rented out their 3bd/2ba home to what appears to be 7 adults and one infant. There are also 8 cars associated with the home here on a daily basis.It has been about 2 months and additional people are coming and going at all hours of the day and night. People are loitering out front and there is trash being left in the street. As a neighborhood we are beginning to think that the landlords are unaware of the number of people living in the house (because we aren't even sure) as we do know they live out of town. We are not sure if any laws are being broken but we are concerned and needless to say it is disruptive. What steps would you recommend we take to better understand the situation andaddress amicably (eg how can we find out who the landlord is so we can reach out, and are there city or county laws we can research and cite such as occupancy limits based on square footage/bedrooms).

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CalAttorney2

Attorney

Doctoral Degree

19,506 satisfied customers
I am buying a house. If I locked my interest rate say at

I am buying a house. If I locked my interest rate say at 3.5% for 30 days. I understand that the rate would remain the same (whether it went up or down by the time of closing) if I close within 30 days of start of lock in period. Can I let the lock-in period to expire if the interest rate are trending downward and get a new lower rate just before the closing?

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Ray

Lawyer

Doctoral Degree

35,266 satisfied customers
I have been at my business 15yrs ,the last 5 my lease has

I have been at my business 15yrs ,the last 5 my lease has expired but I continued to pay month to month for the last 5yrs . Never late once in 15yrs.but have not singed either a rental agreement month to month or lease agreement.It is not late until the 6th. I slip the payment thru the door after work so it is there the 6th. I've been doing that for the last 10yrs. Because i work late to accommodate my business clients.they are telling me it was late?? I disagree. And i gave a verbal notice that was knowledged by a winston that took the call. A month ago .And last week i gave a email that I will be gone as of the 1st.Because I was told that my rent wouldn't be increased by new owner and he lied to me and raised it , $400 and have to pay water which is about $300. Which ive never had to pay.And a$ 280 new signing contract fee.I am upset that I was lied to,and sad that it was a verbal agreement witnessed by one of my stylist. But not written unfortunately. I trusted him ,because he told his son to tell me he wouldn't raise my rent because I have been a excellent tenant, never late.....now they said to me it's been late for the last 5months.and accumulated ? and they said I owe over $2000. Dollers??I put a 1,220.deposit do I get that back? I've left the place clean and In Good shape?they said I should have done the walk through inspection before I cleared out? I thought it was after I cleaned and cleared out?Under civil code section (1950.5 (j) I'm supposed to get my deposit back minus whatever damages other than normal wear and tare ?I need my deposit back....am I entitled to it or not?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

46,420 satisfied customers
My home is going up for a Sheriff's sale next week in Oregon

My home is going up for a Sheriff's sale next week in Oregon and I have had various offers to sell my rights of redemption. If I choose not to sell them am I allowed to continue to occupy the residence through the 180 redemption period?

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CalAttorney2

Attorney

Doctoral Degree

19,506 satisfied customers
We took over a piece of property from my recently deceased

We took over a piece of property from my recently deceased father. From what we can tell it looks like the neighbors have built a shed that is about 90% on our property. We think it's been there for 6 years. We live in Michigan. Are we at risk for losing this small amount of land (occupied by the shed) due to adverse possession?

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TJ, Esq.

Juris Doctor (JD)

10,672 satisfied customers
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