Join the 9 million people who found a smarter way to get Expert help

Recent HUD questions

How much does this cost? so I go online and activate an

How much does this cost ?JA: I'm not sure of the exact price, but there's only a $5 deposit. The rest of the price information will be on the page I send you to.Customer: so I go online and activate an account first ?JA: Because laws vary from state to state, could you tell me what state is this in?Customer: Georgia City of AtlantaJA: Have you talked to a lawyer yet?Customer: NoJA: Anything else you think the lawyer should know?Customer: My questions is this. I own in a condominium building in the city of Atlanta with no mixed use, built in 1988. about 134 units. It does have units financed via FHA , so I would assume HUD would also come into play. The condo has filled most ADA spots with Bikes. they currently have 4 of 5.left over I am handicapped and have asked for reasonable accommodation. because the few spots remaining not filled with bikes are first come first serve. The board doesn't want to make any waves about the bicycles or the parking. I have provided all necessary documentation. So is this legal or would they have to be inline with FHA and or HUD. A permit was recently pulled to upgrade the club room and the guest suite and the workout facility.JA: Can you tell me what state this is in? And do you know who owns the lot?Customer: Georgia, we as an association own the building and the lot. in Atlanta

Read more

Lucy, Esq.

Juris Doctor

star-full
29,466 satisfied customers
First a little background. Our housing community was

First a little background. Our housing community was originally a HUD Section 236 Housing Cooperative built in 1972. In the early 80's the community added 2 section HAP contracts which still remain today but the mortgage is now paid off. Although many believed when the mortgage was paid off we would turn into a Condo community that has not happened as of this date. Our community is governed by a board of directors elected from members of the community. We just recently had an election meeting (the only open meeting each year that the membership is invited to outside of the nomination meeting held 2 weeks prior to the election. The incumbents were re-elected. Immediately after the election, the membership receives a notice that a new ruling has been passed by the BOD. Every member must purchase renters (condo) insurance to the specifications of the COOP (the specs were not written out by the way), name the COOP as an additional insured or face a $500 fine and eviction. The questions are:1. Can they do such a thing in a community such as ours and charge such a fine? One would think that this would be a change in our bylaws. Shouldn't there have been an open meeting to discuss this with the membership before going forward with such a change?2. Can members living on Section 8 subsidy be forced into this type of purchase? If they cannot be forced into it, then3. If all members are to be treated equally can the non-section 8 members be forced into this purchase?We are supposed to have purchased our insurance and be able to produce proof of purchased once ask by the management to do so by 8/01/2016. Your opinion would be greatly appreciated.Thanks for your time,

Read more

Phillips Esq.

Attorney

Juris Doctor

star-full
17,146 satisfied customers
My tenate lease is up October 31 2016 how much notice

My tenate lease is up October 31 2016 how much notice according to Ohio laws must I give her in writingJA: OK. The Real Estate Lawyer will need to help you with this.Customer: Ok thanksJA: Have you talked to a lawyer yet?Customer: No I told tenate I will not be able to renew lease after it expires October 31JA: Anything else you think the lawyer should know?Customer: The tenate is receiving assistance with hud housing the lease for hud says 30 days notice if tenate wants to leave to let them know

Read more

Roger

Litigation Attorney

Doctoral Degree

star-full
33,122 satisfied customers
If you purchase a property directly from the owner in GA, do

If you purchase a property directly from the owner for cash in GA, do you have to have an attorney involved?

Read more

Attyadvisor

Doctoral Degree

star-full
6,606 satisfied customers
On a preliminary estimated HUD 1 settlement statement

On a preliminary estimated HUD 1 settlement statement for a reverse mortgage short sale which is required by a lender BEFORE the contract of sale will be approved by the bank (as it is lower than the short sale amount they have determined already) and BEFORE the buyer has obtained financing, in the first section where it states "Type of loan, "file number," loan number," "mortgage insurance case number," is that information the SELLER's existing mortgage or should it be left blank because there is no borrower's loan yet? Also does everything on the form need to be filled out or just the most basic sections such as amounts due from buyer to seller, title costs, fees, etc? Is it necessary to do a lien search at this time to determine other costs on the form (taxes etc) since the transaction has not yet been approved?

Read more

Ray

Lawyer

Doctoral Degree

star-full
34,354 satisfied customers
I live in low-income housing HUD I believe that they're

I live in low-income housing HUD I believe that they're violating my rights I collect disability and I have in home care services they do not allow me to have an AC in my complex and they accuse me of people living here in the apartment and that is not true cameras are not placed around the property to prove that so they gave me a note saying that I had to come in the office and sign a paper saying that I had a meeting with the property manager in regards ***** ***** and people supposedly living in my home I recently got a notice today stating that they're putting in more regulations and to pick up a regulation at the office packet at the office I could get doctor's note to let me have company to keep AC and to give me at least two days notice before they come into my apartment I had the meeting two days ago and Property Management told me that technically she could come anytime she wants up until the 25th and I have to take down my AC I really need a lawyer to read over their regulations and see how you guys could protect me from not getting evicted I did have a gathering at my house with music in my apartment I could explain further but I didn't meant 2 the Gathering and they told me not to do that and I told him that I won't any longer please I can pay please help me

Read more

Phillips Esq.

Attorney

Juris Doctor

star-full
17,146 satisfied customers
I purchased a foreclosed home at an auction that still has

I purchased a foreclosed home at an auction that still has 60 days left before its right of redemption period is expired. The owner is deceased. The property has been occupied by tenants who basically became squatters and haven't paid anyone in months. I made the assumption the property was abandoned by the owners and began getting contractor bids to maintain the property and prevent damage.The deceased owner's heirs announced today that they plan to sell the property. (A realtor contacted me. I am also a realtor, btw.)Questions:-I have closed on the property and signed the HUD1. Am I the owner or is the heir the legal owner?-Do the heirs of the deceased owner have the right to put up for sale signs, show the property to potential buyers, and sell the property? The tenants are very confused. (Realtor code of ethics prevents putting up for sale signs without owners consent.)-Can I negotiate leases and accept rent at this time from the occupants?-Can I do anything to shorten the right of redemption period at this point?

Read more

Barrister

Attorney/Landlord/Realtor

Doctoral Degree

star-full
45,462 satisfied customers
Mobile home purchases. Gulf port Mississippi. I live in

Mobile home purchases. Gulf port Mississippi.I live in Alabama and I have had a purchase agreement with Coastal Homes of Gulf Port Mississippi.The original managers provided a bank approval with a total sell price of 46000. We provided a 1000$ security deposit while we alert attempting to sell out house.More time passed and we went by to visit and speak with management regarding the sell of our house and that we were still working on the sell of our house. Upon our visit management was not there and we were told we could go see the mobile home however the roof had started to leak and there may be issues with it. If we wanted our money back we could have it or look at another home.We left disappointed and exchanged emails asking if they were going to do anything for us regarding their lack of taking care of the home while in their care or would lower the price so that we could have a roof installed later. Management there advised that they could not lower the price because it would put them upside down on the loan. I did not respond.A few weeks passed and the sell of our home occurred. I returned to coastal homes to speak with management to expedite the the setting up of the home and to advise them that I would settle at the 46000 total price and deal with the roof myself.I was met by new management who explained that the manager I was dealing with had quit and he had taken over the sells. He as familiar with our deal however said he thought we were going to pass on this mobile home. I asked if that were the case you should have called me and returned my security deposits. He only responded that he had put a roof on the trailer and it costs some 5000$. I explained I understand it needed a roof however I would've had done it myself and the agreed purchase price shown on the first bank approval was $46000plus.I offered to pay the closing fees in person on that day and the manager did not want to accept any more money because he was going to have to speak to his manager/ owner.Several emails and phone call exchanges have occurred and I have been speaking with the banker directly providing the formation for the loan, again. Information he advised he failed to recieve from Coastal Homes which had been provided for financial approval. They had however approved a bank loan for $46000plus. Which I would think is the total purchase price agreed upon.I spoke to the banker directly on Friday July 8, 2016. He said he was willing to go forward with the loan but believed the mobile home dealer did not want to go through with it until the sell of my home was completed. The banker made statements about having spoken with the mobile home dealer and being advised that he ( mobile home dealer) would be risking a $6000 in delivery and set up fees if the sell of my home fell through at the end. I advised the banker to send me a copy of the loan approval so that I would know which items he has in case future issues developed.Upon inspection of the report I noticed the total sells price had increased to 51000 plus without my knowledge or consent. An increase of $5000.An increase in which I believe the mobile home dealer had the banker change to compensate for the roof he installed, without my consent or knowledge, again. I expect them to say that they need to charge me for delivery and set up in the amount of about $5000 as opposed to saying it is for the roof that leaked while in their care????I did have the mobile home secured with a $1000 down payment, as is, with prior management and still do. I didnot consent or have knowledge of the roof being installed. I did not consent or mhave knowledge of the price increase to 51000plus from 46000plus.I do not wish to pay to extra $5000 and would like to know if the actions taken by the mobile home dealer and banker are legal? If not what are my options for legal action against one or both???

Read more

P. Simmons

Attorney

Doctoral Degree

star-full
34,600 satisfied customers
FHA Case No. 093-4831968 Michele Address: former address to

FHA Case No.(###) ###-####Michele James Address: former address to property was*****Odessa FL. 33556. Present address: changed to*****Odessa FL. 33556By Introduction, my name is***** and I became a homeowner in January 2001. I went through the process with a nonprofit organization by the name of American Liberty Funding located in Tampa Florida. American Liberty Funding assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true. The name of the mortgage company which is no longer in business was called Ivanhoe Financial in Orlando Florida. I fell behind one month and Ivanhoe sent me a letter stating that due to a late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and pertaining to the mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind one payment. The original lender was Chase Mortgage which sold the loan to Ivanhoe within a year. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and Ivanhoe converted into a regular conventional loan of course for profit. Ivanhoe made stated another fictitious statement that the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the contractor has to meet the building codes for Hillsborough County. Please keep in mind no one from HUD/FHA inspector never came to inspect from the beginning of construction, middle, nor end to inspect. I have been fighting this for years and I feel that this information that Ivanhoe Financial was just all a ploy for me to lose my home and my inherited property. Ivanhoe Financial used fictitious FHA procedures/ guidelines to target individuals receiving FHA loans and convert the FHA loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because Selene Finance were under the assumption that my loan was in default and I was in foreclosure which was false as well. Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable. The note still shows FHA loan. If this is a conventional loan why wasn't the note revised to conventional. This definitely raises suspension. My interest rate is 6% which needs to be lower because it is a FHA loan. The interest rate should be at least 4%. At 6% I will never pay off my home loan and while the investors get wealthier.Attached to this letter is self-explanatory of evidence of FHA fraud. I made payments and made an error by putting the wrong loan number on the check to the previous Lender which was Chase Mortgage Company instead of Ivanhoe Financial. Also what Ivanhoe is stating is that the payments were not made in a timely manner of six on time payments and where in the FHA guidelines does it state to make 6 on time payments. I searched and didn't find anything that applies to “on time payments”. Please keep in mind that I had closed in 2001 FHA loan, but Ivanhoe is stating on time payments being made in 2002. Page 5 is a letter that was sent to Ivanhoe Financial to endorse or cancel the case, Ivanhoe Financial chose not to create a case binder to keep the case FHA endorsed. This company was careless with my loan. Ivanhoe Financial did not respond to U.S. Department of HUD in a professional or timely manner. I strongly believe that there were fraudulent activity took place with my loan. Please assist me with this matter.Thank you,Michele James

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

star-full
105,088 satisfied customers
View more real estate law questions
In The News