Renting & Real Estate - November 2007

Listed on DEQ Meth Lab Site in 2006, renters plea bargained down to single felony, judge didn't require repayment of remediation/testing costs.

2007-11-07 07:54:20 · 4 answers · asked by d m 1

My husband and I want to buy are first home together. I had a recent bankruptcy Chapter 7. He is going to get an FHA loan, however I can't be on the loan due to Banruptcy. We won't qualify for as much cause they can't use my income. Can I apply for a differnt loan on the same house. I realize the interest on my loan would be higher?

2007-11-07 07:35:39 · 3 answers · asked by mbz 3

Let's say I pay off my deceased mother's home, thus taking over ownership and getting deed in my name. Could a creditor come after me for her debt since it was her home? This home is in Georgia.

Also, there is equity in the home based on fair market value but it would only sell to cover the loan. There are no liquid assets left to pay the mortgage.

Yes, I will be talking to a lawyer about this so no need to tell me that. Thank You.

2007-11-07 07:28:43 · 5 answers · asked by Veritas et Aequitas () 7

We did a trade in program for our house to buy a new home. We are getting close to the end of the build but the lender's available programs are less than when we started and the mortgages available are costing more payment wise. We told the builder we must cancel because we can't afford what they want us to pay. The builder said they would not cancel and sue us if necessary.

2007-11-07 07:07:23 · 5 answers · asked by brownsugarsme 1

I'm purchasing a house in Fort Worth, Texas. What do I need to do at closing to make sure I'm getting the mineral rights? It's not specified in the contract that the seller plans to retain the mineral rights.

2007-11-07 06:55:16 · 6 answers · asked by Mrs. B 2

We listed our house a month ago and have had 1 showing. We are priced at the top for our neighborhood. The agent that showed the house said that it "shows very, very well" and that we have it staged perfectly. We priced it this way knowing that we had 8 months until our new house is ready and so that we had a bit of wiggle room.

I guess I'm a little nervous because the market is so slow. Our next door neighbors have their home for sale for 2 months & have had NO showings. They are 50k less than ours....so I really don't think it is the price that is keeping people away.

We finished our basement & have a nice THX type media equipment. We are thinking about including that as an incentive, but not sure it would get people in to "see" the house. Another idea is to offer a bonus to the agents, but I'm not sure how to go about that.

BTW - We're North of Atlanta, GA in Canton.
Any thoughts? Should we just give it more time or get aggressive?

2007-11-07 06:13:50 · 5 answers · asked by Shannon S 2

can I put a lean on my own house because of a divorse problem. My x wife isn't sticking to the agreement and I am paying everything . The house is to be sold in 4 years and we will have to split the profit . If I put a lean on my house for the money owed , will I get it back on the sale ? Any suggestions ?

Thanks, JIm

2007-11-07 06:01:04 · 3 answers · asked by Jim R 1

About 4 years after we purchased a beautiful solid farmhouse on 3+ acres and restoring it, we ran out of money. Literally. We claimed bankruptcy. The home is still very much unfinished and we have no money. If we were to finish it, our home, according to local real estate agents would be worth about $160,000 more. How do we go about finding money to complete it?

To date, our mortgage is at $190K and the value is estimated at $199K as is. So we have nothing to work with now. When complete, the home will be worth automatically $160K more, conservatively speaking. WE are having a hard time finding anyone or any business to help us. Any suggestions?

2007-11-07 06:00:22 · 7 answers · asked by Anonymous

My landlord wants to bring an appraiser in my house because she wants to sell it and is mad because I don't want to buy it. Can I legally not let her come in and get an appraisal done till after I move? I live in Michigan if that helps

2007-11-07 05:47:41 · 6 answers · asked by melon 1

I just received a notice that my landlord will enter my unit tomorrow "between the hours of 8:00am and 3:30pm to measure refrigerators and stoves"

Is this legal? I looked up the law and it's very vague - it permits the landlord to enter " to supply necessary or agreed upon services". Is measuring refrigerators and stoves a necesary service? Also they are supposed to provide "an approximate time" under the law. What constitutes "an approximate time"? Is "between the hours of 8am and 3:30pm" an approximate time? If not, what is?

I am in the middle of a substantial and extensive deep cleaning and redecoration of the apartment. Stuff is everywhere and areas have just been deep cleaned. Not only do I not want people in my home when I am not there (but cannot afford to take off an entire day to stay home and wait) but I am concerned for my recently cleaned areas and the multitude of personal belongings scattered in piles and sections around the house due to this cleaning and redecorati

2007-11-07 05:43:08 · 4 answers · asked by AJ 6

2007-11-07 05:25:53 · 3 answers · asked by Trumpette 1

I am applying for a stated income mortgage. The bank wants my tax return for 2006 because now I am self-employed. Is this loan stated or now full doc? I will be charged 2% more in interest for a comparible full doc loan. For 2006, I lived abroad and had a part time job while I went to school. My other income comes from renting a multi-unit building which I am looking for refinancing and also yearly gift money. Also, how long do I have to live in this building for it to be eligible for a stated income or full doc mortgage? I've own the place for 5 yrs but last year was in another country. It is still my residence in the states during this time. I have no other apartment or home that I live in. Thanks for any help.

2007-11-07 05:16:20 · 3 answers · asked by hmguesswho1 2

2007-11-07 04:03:54 · 5 answers · asked by : ) 2

This new builder is requiring 5% on a condo that is 9 months from completion. I have the money in investments and would rather not pull all of it out at the moment and lose on the market....Can i tell them I want to put down less ? I mean I'm signing contracts what difference does it make

2007-11-07 04:01:19 · 6 answers · asked by SomeRandomGuy 3

You put down a security deposit for an apartment and when you lease is up, the apartment decides whether or not to give to you based on the condition of your apartment. Well, turns out they need to do carpet cleaning and they want to pay for the carpet cleaning. Isn't that what the security deposit is for? How can I deal w/ this?

2007-11-07 03:54:11 · 6 answers · asked by Lancer 2

In the event that my rent check does not clear, my apartment complex charges a $250 NSF fee on top of my rent. is this legal?

2007-11-07 03:53:02 · 4 answers · asked by Sucre 3

I got ill and fell behind on payments. I want to keep my home i been here all my life. Everybody i talk to say do a short sale. I know it's some kind of program out there can help me save my home. NEED HELP!!

2007-11-07 03:36:41 · 7 answers · asked by Anonymous

her mortgage is amortized for 25 years.
-calculate her monthly mortgage paymentsfor the term
-assuming her rate is 6.25 for the remaining 20 yrs, what will she pay in total for her house?

2007-11-07 03:35:27 · 4 answers · asked by Anonymous

I am going to graduate college in December, I am working part-time at the moment (around $13,000/yr earnings), but will be going full-time at the same job in December (around $24,000 salary). Right now I am renting, but I have found a townhouse that I am very interested in purchasing. Here is the breakdown:

Renting Costs: $385/month
(studio apartment, bad neighborhood)

Townhouse Value (according to PVA): $60,000
Townhouse Asking Price: $64,000

Assuming that I could negotiate a deal somewhere around $60,000, should I try to get pre-approved for the mortgage? I have a credit score of around 720, and no debt except for about $6,000 on a credit card. My vehicle is paid off, and like I said, I have a job lined up already for after graduation.

I would rather purchase a townhouse at a good price, and be investing monthly payments instead of giving my money to a slum lord. Can I get pre-approved based on my income now or in the future? Or do I have to work full-time first?

2007-11-07 03:27:34 · 6 answers · asked by sillyoleme 1

2007-11-07 03:26:53 · 2 answers · asked by GENE G 2

Basically am getting confused about all the policies on offer - ideally want to be protected for mortgage if I'm ill, die, have an accident or made redundant, but want to buy one policy that does it all, is this possible? Been quoted £100 a month for all this (4 separate policies, life, trauma, sickness and unemployment) and wondered if that is reasonable? Thanks

2007-11-07 03:13:30 · 3 answers · asked by HelenS 2

Does anyone know how the postal service designates something as a rural route? We're building a house in a new neighborhood. This new street is a loop, with 10 homes on the inside of the loop and about 15 on the opposite side of the street. There are currently 3 homes on the inside, and the post office has told them that they are considered a rural route, and they'd have to pick up their mail from the post office--even though the carrier delivers to those homes on the other side of the street. This is not a rural area--it is a new neighborhood in our town. Anybody have any suggestion on who to contact regarding this issue. We just want our mail delivered as per normal (meaning the carrier delivers it to our home).

2007-11-07 03:09:28 · 5 answers · asked by melouofs 7

I want to build onto my house and I recently found out the previous owner did not obtain building permits for adding onto this house will I be responsible for those permits now? Will I have to tear down the additions he put on? I live in a rural area with no restrictions. I have lived in this house for 10 years and just now found this out.

2007-11-07 03:09:00 · 1 answers · asked by mdjgirl7 4

I rented my home out 2 years ago when I moved into my boyfriends home and just recently my boyfriend past away. I have no place to live and I need to move back into my home. How can I do this?

2007-11-07 03:05:30 · 2 answers · asked by Kim T 1

The whole deal has been bad since day one. They didn't do what the contract stated they would. There are two sets of closing papers. The closing took place more than a month after it was suppose to. They were to leave my first loan in place, but went and paid off my loan without my knowledge and are trying to get us evicted. We still don't even have all of the monies due us. I need to find an attorney who can represent us. We have some money, and we can also barter and trade if needed. This has been an underhanded deal from day one. Please help us save our home.

2007-11-07 02:39:43 · 4 answers · asked by shadow 1

2007-11-07 02:37:28 · 6 answers · asked by magick81 1

Looking to purchase a home and I don't think that I will qualify for a mortgage on my own. So, thinking about adding on a co-signer who will most likely be one or both of my parents. Do they then have to be listed on the deed as an owner of the property as well? The plan would be then after a year or two to 'buy' them out. Would there have to be an exchange of money to do that? Or could I simply re-finance the loan into my name only and have them removed from the deed at the same time? Looking for ways on how this is done with joint ownership.

Not sure if it matters but I live in Maryland in case someone knows specific laws in that state.

2007-11-07 02:30:51 · 9 answers · asked by jefe96us 2

we have a 10 month old son and a 5 year old as well?

has anyone been through this? was it necessary to temporarily move through the house?

2007-11-07 02:17:11 · 5 answers · asked by Mark 1

I am purchasing a home and want to view previous home inspection records

2007-11-07 02:02:31 · 7 answers · asked by mo 1

My friend rented out her condo to someone else with the permission of her landlord. She gave the person a written contract, but the person who had been paying her regularly stiffed her for the last months rent of $900. And left a unpaid utilty bill of almost $1000. What recourse would she have.

2007-11-07 01:47:48 · 4 answers · asked by Anonymous