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Recent HUD questions

I was denied getting a 203K loan for a $40K Chicago property

I was denied getting a 203K loan for a $40K Chicago property with $25K of rehab.The reason was based on what was reflected on my Credit Report. I requested a copy of their report and was told they were not allowed to release the report they evaluated for the determination. I did have an item on my report that the loan agent seemed to be an probable issue. I am moving from Calif home (mortgage) to Illinois property (new mortgage). The debt to income ratio is below the threshold to be able to handle both notes (a discussion we did not get a chance to address because of a collection on the report that I was disputing-fraudulent charges).Are the HUD/FHA rules so strict that they do not allow proof of fraudulent activity to be proven with a police report ?So again, my primary question is I asked for a copy of the lender's report, who refused to provide. I asked because the my 3 bureaus reports were showing something different then the lender used to evaluate to approve or deny.Please advise who I can pursue this further. It has caused me the opportunity to buy my new home and rent out my existing home.Thank you

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MIAMILAW1127

Partner

Juris Doctorate

1,608 satisfied customers
Can a tenant who's in a lease that prohibits any

Can a tenant who's in a lease that prohibits any person/persons from staying at that address for more than three days, have a single relative who is disabled come in to assist her.JA: Because laws vary from place to place, can you tell me what state the property is in?Customer: Yes it is ColoradoJA: Has any paperwork been filed?Customer: In what regard?JA: Anything else you want the lawyer to know before I connect you?Customer: No

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LawTalk

Attorney at Law

Juris Doctor

35,220 satisfied customers
CREDIT REPORT CLEARING OF LOAN MODIFICATION 1. What are my

CREDIT REPORT CLEARING OF LOAN MODIFICATION1. What are my options for removing the fact that 10 years ago, my mortgage loan was modified as a result of a predatory loan?2. What is my recourse/action plan to not be "black balled" from getting future loans.ISSUEI have been denied a new mortgage from HUD/FHA because of the reporting of 10year old modifications in 2007 (prior to market crash). This modification was coached for me to intentionally miss payments to allow access to the modification of a $3500 loan to a lower payment.DISCUSSIONThe loan has since been sold to another investor in the last 3 years. As a result, it now shows up twice as 2 loans modified. Since the 2007 modification, not one payment has been missed.I am now applying for a loan for a condo in the midwest so that I can more effectively take care of an ailing 79year aunt.Thank you in advance for your response.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

112,968 satisfied customers
We have a question about Section 8 and a new home purchase.

Hello,We have a question about Section 8 and a new home purchase. We are buying a duplex and one of the tenets is Section 8

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

50,256 satisfied customers
I received a letter a few days ago from the U.S Department

Hi, I received a letter a few days ago from the U.S Department of Housing and Urban Development in Washington D.C., notifying me that due to an error some of my personal information was made publicly available on the U.S. Department of Housing and Urban Development (HUD) website, www.hud.gov and in this letter they prodie me a toll free number to call for me to call trans union for free credit monitoring and a passcode to use my March 31 of next year. Frankly at this point I am extremely frustrated and upset because the first time my information was compromised it was with Anthem Blue Cross Blue Sheild and now HUD and both times it has been left up to me to do all the work here. My question is this. Do I have any legal recourse here to force this issue to the forefront and use as leverage to force these agencies to take action to secure not only my personal information but everyone else's information as well? This has become such a stressful situation I don't know what else to do.JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: Oh yes I am sorry. I live in KentuckyJA: Has anything been filed or reported?Customer: I am not sure where to start, I received the letter while I am home recovering from major surgery. What should I do first?JA: Anything else you want the lawyer to know before I connect you?Customer: That is pretty much everything that I can think of for now and I think that is it.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

112,968 satisfied customers
In case I do not get the same attorney from JustAsk, my

In case I do not get the same attorney from JustAsk, my first question was:The town water tower is on my land without permission. I don't know if the town can establish a title for a water tower (something that is normally not titled), but if they can how would they establish or quiet title to the water tower.? My thought is that I have a claim on the water tower as it is affixed to land to which I have legal title. What would the town have to show a judge that the tower was built with town funds? If it is cancelled checks, invoices etc., the town has already shredding all that documentation.The second question I need an answer for is:The water tower has been there for years. The town built the water tower with a UDAG grant. For such a grant, HUD would have required the town to certify that they own or have a long term lease on the land. The town did so certify knowing it did not have either a deed or long term lease. The town then without the owners permission or knowledge did a subdivision of the land and so recorded it. When I purchased the land, my lawyer put the town on notice that they did not have a recorded deed. Their immediate response was that they did have a deed. Claiming to have a deed and not record it is a crime in New Hampshire RSA 477:14. I offered to donate the land to the town. The town's response was that they had a deed and I therefore could not donate what the town already "owned". The HUD grant was for over $2 million, so the town probably was more concerned with HUD finding out they did not own the land then trying to correct the situation. HUD's legal team is also looking into the situation.My thought is that I have a claim to the water tower in that it is on my land. HUD or the town could attempt to quiet title by proving that it was their funds that built the water tower. The issue is that when we put in a freedom of information request the town shredded all document, cancelled check, paid invoices, etc. so how would the town "prove" it was their money that built the water tower and even if the could would not there be an issue of the town defrauding HUD?I realize that this is for information or educational purposed only and that I will not be taking any action based on this information. I do have a legal team (5 lawyers) and it is up to them to prosecute the case. I just want as clear and certain and understanding of the issues as I can get.22 November 2016 02:46

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Ray

Lawyer

Doctoral Degree

39,248 satisfied customers
The town water tower is on my land without permission. I

The town water tower is on my land without permission. I don't know if the town can establish a title for a water tower (something that is normally not titled), but if they can how would they establish or quiet title to the water tower.?My thought is that I have a claim on the water tower as it is affixed to land to which I have legal title. What would the town have to show a judge that the tower was built with town funds? If it is cancelled checks, invoices etc., the town has already shredding all that documentation.

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250 satisfied customers
I WOULD LIKE TO MOTION TO VACATE THE RATIFICATION OF THE

I WOULD LIKE TO MOTION TO VACATE THE RATIFICATION OF THE SALE OF MY HOME. REASON BEING AT THE TIME OF FORECLOSURE SALE MY HOME WAS PAID IN FULL IN 2005

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Ely

Counselor at Law

Juris Doctor

67,224 satisfied customers
I am putting all my things in storage and staying with my

I am putting all my things in storage and staying with my mom until we can move in together. Do I have to sign a lease and pay for a credit check when I am not moving in?JA: Because laws vary from place to place, can you tell me what state the property is in?Customer: CaliforniaJA: Has any paperwork been filed?Customer: No. What kind of paperwork?JA: Anything else you want the lawyer to know before I connect you?Customer: No, I don't think so.

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Damien Bosco

Attorney

Doctoral Degree

3,748 satisfied customers
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