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In Texas, closing on a house and have questions regarding the

In Texas, closing on a house and have questions regarding the closing costs. They want to charge me prepaid homeowners insurance for 12 months ($1675.00) plus another 3 months homeowner insurance ($419) as "Initial Escrow Payment at Closing". That seems ridiculous. First, why are they entitled to 1 yr homeowner insurance premium? I can see the lender wanting insurance on the property; however, once I obtain the insurance that should satisfy the lender. How I pay for the premiums is between me & my homeowner's carrier. Second, is lender double dipping by asking for 12 months plus 3 months monthly insurance premium?Another question, what's the purpose of Title Insurance? Is it mandatory I purchase Title Insurance? What is Mortgage Insurance? Is that mandatory? What is difference between Owner Title Insurance and Lender Title Insurance? Thank you for assisting me in answering these questions.

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Maverick

Doctoral Degree

 
5,200 satisfied customers
I worked really hard to get the car of my dreams And i found

I worked really hard to get the car of my dreamsAnd i found it. When i got the car it wasFrom one of those small used car lot placesAnd it turns out they never titled the carThey just put a dealer plate on the car and the i ended upBuying the car and they just passed on the original owners title to meSo i was so happy about getting the car i overlooked a slight information blunder on the original owners title and he lives in another state and i called the place i got the car from but now i get no reply from them and i am out all this money and a nice car sits in my driveway. Hiw can i fix this?? Please help. Thank you

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William B. Esq.

Attorney

Doctoral Degree

 
18,436 satisfied customers
When is it more appropriate to file for information or accountability

When is it more appropriate to file for information or accountability to the court from another party & why one of the below is used versus another.1. Subpoena2. Interrogatory3. Discovery motion4. Or other method?

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Roger

Litigation Attorney

Doctoral Degree

 
32,814 satisfied customers
ToCustomer ARe you on line now?

To SocrateaserARe you on line now?

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37,524 satisfied customers
Does a title policy cover a right of first refusal? What triggers

Does a title policy cover a right of first refusal? What triggers attorney fee recovery?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,218 satisfied customers
I am about to refinance a loan, today. The Bank has changed

I am about to refinance a loan, today. The Bank has changed the GFE numbers (origination fee and credit to buyer) shortly before the closing day without me approving it. I can't make them change it back. What are my options and the relevant law?

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LegalKnowledge

Juris Doctor

 
28,460 satisfied customers
In Missouri, if you cosign an installment loan for a vehicle,

In Missouri, if you cosign an installment loan for a vehicle, are you required to be on title or can you sign without needing to have ownership in the vehicle?

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Lucy, Esq.

Juris Doctor

 
29,174 satisfied customers
My ex wife and I were divorced in 2009. In our divorce agreement,

My ex wife and I were divorced in 2009. In our divorce agreement, I took over the car payments of the car that she drives. Both of our names are XXXXX XXXXX the lien. She carries her own insurance. She hit a deer a few days ago. It's possible that the car is totaled. Being that I am financially obligated for this car, I asked her for her insurance information so that I can call them to be copied on the reports and have some decision making ability over second estimates and what not. She refuses to tell me anything about what is going on with it. She, of course, doesn't want the car to be totaled because she would then have to purchase a car with her own money. I am worried if the car isn't totaled, I'll then owe $14,000 on a car that has almost no value. What are my rights here, being that I am still the lien holder of this vehicle? Can the insurance company do anything without my OK? Is she wrong doing by refusing me any information about what is going on? We live 5 hrs apart so that makes it even more difficult. Is it possible that the insurance company would cut her a check for the damages that she could use for something other than repairing this car and I'd still be paying for a wrecked car? Thank you

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

 
44,720 satisfied customers
I just repossessed my 2004 GTO from my son in law...how long

I just repossessed my 2004 GTO from my son in law...how long do I have to wait before I refinance the loan...I'm in Az.

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TexLaw

Attorney

Post-Doctoral Degree

 
7,980 satisfied customers
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