Renting & Real Estate - December 2007

Hi,
Me and my girl friend has been together for 6 years, and recently we just bought a house together. (back in July)
We are both from Taiwan, and she just took her three weeks vacation back to Taiwan for last 3 weeks. When she got back yesterday, she suddenly told me she decide to move back...
She did not discuss with me before and she just selfishly made the decision.
I do not want go back and do not wish to sell the house now.
The problem is now she is the only one on the mortgage (since she has a better credit score so that's what we did) but we are both making payment and both of our names are on the title.
How can we transfer the mortgage name to me? is it even possible?
Please help...
Thanks

2007-12-19 03:35:18 · 7 answers · asked by bchen521 2

a lien be put on my other property? My home is listed as my homestead but I will be moving to live in my other property and will list that as my homestead instead. The bankruptcy is the type where I still make payments to the trustee for my debts.

2007-12-19 03:32:19 · 5 answers · asked by Mew 1

I live in the state of NY. a buyer was trying to rip me off in a real estate contract sell(sign the ded over to him). He didnt pay the money that he was suppose to and it was in the contract. so he breach the contract right there it has been close to two years and he still havent paid. not a dime. i was thinking maybe to give me some time to get the money to me that is way over due now. and he havent. i see he isnt going to pay. that isnt right for someone to have something they didnt pay for.and second he didnt sign the contract dont there have to be the seller and buyer sign the contract to complete the sale? can i get the property back and can i take the guy to court to get it enforced and back into my name.? thank you for your help. is there anything i can do? Once again i live in the state of NY and the contract is on file at the county on their records.

2007-12-19 03:17:58 · 5 answers · asked by Anonymous

I am looking for employment. I am also a ward of the state. I will be turning 21 on January 28,2008. I plan on paying my rent a month ahead due to me not having a job. D.C.F.S. will pay my security deposit and first months rent.

2007-12-19 03:06:21 · 14 answers · asked by Anonymous

Has any of you good folks had a similar experience?
I was awakened today by the doorbell ringing, when I went down I saw a car driving away and a pile of papers attached to my front door. When I started reading I saw it is addressed to the previous owener of the house (we bought it just last summer), and it is called "Garnishment Summons" - I have no idea what that is. Apparently, the previous owner owed some 3,000 dollars to Wachovia Bank, and now they are coming for it... to our home.
Do you think I should just ignore it because it is not against us or does the fact that we live in this house now makes us liable in place of the previous owner? That would suck big time! I know we have some insurance against liens and judgments we bought along with the house, but even if we contact them,I am still not sure what to do with the summons. Throw it away?
Thank you for your answers.

2007-12-19 03:02:15 · 10 answers · asked by b4nftr 2

I need some general Do's and Don't for this option. And I want to make sure if this IS the option we go with, I want to do everything by the book and correct so we don't get screwed in the end.

~Should we consider employing a real estate agent to help with the negotiating process? (we have some family friends that are RE Agents)

~Is an attorney necessary or just recommended?

~ETC. Any other information or rescources you can provide would be greatly appreciated.

2007-12-19 02:23:41 · 3 answers · asked by Paige 2

would the lost money (for the bank) be regarded as Income gained for the former Home owner and then would be subject to the former Home owner owning the IRS

2007-12-19 02:05:55 · 8 answers · asked by voodoo 2

I'll soon be moving to London for a new job, i'm currently on the look out for somewhere to stay, ideally a single non sharing flat. Any recomendations? Nothing too special, somewhere that's warm, safe and with easy access to the center.

2007-12-19 02:02:39 · 4 answers · asked by thedaveidentity 1

The repairs it needs are door facing where water damaged the frame, new carpet and fresh paint on the outside.

2007-12-19 01:56:03 · 8 answers · asked by ronda t 1

I am a renter in a 3 family house. I have 3 roomates. In the other sections there is a woman with 2 kids, and a married couple. We all share a driveway that is on a hill. So far it's been a bad winter here in boston. We had a ton of snow last thursday, then again on sunday. Both times were a nightmare for me to get in the driveway. There are about 6 cars in this driveway. The landlord sent over a plow which helped a bit, but that's all he did. I didnt use my car for 4 days. Today i went to move it and was really mad to find that i couldnt. It was pretty much stuck in the ice and snow, the tires were going round and round. My roomates car wouldnt move either. Am i wrong to think the landlord should be doing more? Like putting down salt, sand or something? I also fell on the ice this morning and cut my hand (in the driveway)

2007-12-19 01:51:08 · 7 answers · asked by Anonymous

I just found out that my insurance company has stopped insuring my property and now I am wondering what is the least insurance I can get by with and still be insured for the property. Any help would be great. Thanks

2007-12-19 01:36:17 · 9 answers · asked by Dee 1

We have had some really hard times and have to file bankruptcy. We are filling out an application for a apartment but there isnt a consent for a credit check but they do want our ss# can they turn us down? This has all happened since our daughter got sick and I was unable to work. My husband has a great job and makes good money. Will that help?

2007-12-19 01:19:36 · 14 answers · asked by cluelessone 1

In my opinion, part of the blame lies with the consumers; but I put a majority of the blame of the mortgage companies for taking advantage of the consumers. I will take all opinions: Good or Bad.

2007-12-19 01:19:09 · 5 answers · asked by mcollinsvcollins2003 1

I have had to keep paying house and loan payments not to mention keeping my attorneyup (37500.) My base salary is 56k.hers is 26k.she wantshouse ,my truck,all equity,boat,motorcycles,insurance coverage including copays,me to remain paying off the house,truck and boat ,all attorney fees,and 1500. per month maintenance for life.Now what do you all think of that? My 6th court date is 12/20/07

2007-12-19 01:17:52 · 7 answers · asked by rick g 1

I apologize for how rude and brash the question is, but there's really no other way to ask.

My boyfriend and I are looking into possibly renting a home from a older man (in his 70's or 80's, I can't remember). I'm just curious, because I'm completely new to all of this, what would happen to us as far as financial responsibility if he were to pass on while we were renting the home.
Would we be stuck with the remaining mortgage payments if the house is not paid off?
If the house is paid off, we would legally (through our lease) have rights to remain in the house? Or would ownership be left to his next of kin?

Thank you for taking the time to answer my questions!

2007-12-19 01:03:49 · 9 answers · asked by Anonymous

I have called my senators 100's of times over the past 5 demanding that these adjustable rate mortgages be outlawed and they haven't done anything. In addition, I want 100% loan to value ratio loans outlawed. We can thank the states of California, Michigan, Illinois, and Ohio for the current over-hyped foreclosure situation.

Stupid headlines like Foreclosures up 68% are misleading as hell. Less than 1% of all the home loans nationwide are even in foreclosure.

The U.S. had one foreclosure filing for every 617 households in November, RealtyTrac said. That is meaningless. During the attack on the United States oil industry between 1984 and 1992 one in five homes were posted for foreclosure in Texas and no one cared. Banks didn't do anything to help.

I could care less how much homes have declined in California or anywhere else for that matter. Home values go up and down all the time. Rent homes and people who do not maintain they yards affect values more than foreclosures

2007-12-19 01:03:04 · 6 answers · asked by lou t 1

2007-12-19 00:24:35 · 4 answers · asked by Anonymous

residence ( home ) ?????????/

2007-12-19 00:17:34 · 4 answers · asked by burlingtony 2

I have been here for almost 3 years and I know our landlord doesn't like us because we sell cars sometimes and ignore all of our neighbors in this apartment.
Recently, we got some very loud neighbors below us (loud late at night) and he doesn't seem to care about our complaints or police calls.
Could he have "hired" them to get rid of us??

2007-12-19 00:00:24 · 4 answers · asked by Anonymous

I just passed the realty agent exam and now needed to be listed with a broker in order to be officially licensed and begin business. But I got mixed info on how easy/difficult it is to ger hired by brokers....so is it true that they basically take anyone who passes the exam and applies? Or, they just as picky as all other employer?

2007-12-18 22:59:58 · 4 answers · asked by joan_crawford_rise_again 1

If there was a site for real estate sales it would easily bring seller and buyer together. There would be no commission. Negotiations could take place by E-mail without delay. The idea is so obvious and timely how could it not have happened already? Everything else is bought and sold over the Internet. Why is real estate the exception?.Why not E-bay?

2007-12-18 22:40:58 · 9 answers · asked by Jett Black 2

MY property has been rented out by a reality company-the tennant has not paid her rent in two months, I can not afford to pay my current mortgage in the property that I live in and the mortgage on the rental property is there any recourse besides foreclosure ?

2007-12-18 18:19:30 · 10 answers · asked by Lucki2 1

We have a 6 year old and two 1 year olds. Should we buy a house or an apartment? We live in Sydney's eastern suburbs and our budget is A$1.05 million and would like 3 or more bedrooms.

2007-12-18 18:08:26 · 4 answers · asked by Anonymous

Someone please tell me what the catch is in buying bank owned/foreclosed/probate homes. I went to Trulia.com and ran a search:

http://www.trulia.com/for_sale/North_Hollywood,CA/price;a_sort/

It returned tons of property with a listing price of basically nothing. How come everyone doesn't buy these deals real quick?


Thanks

2007-12-18 16:26:03 · 5 answers · asked by Jake K 2

I placed a bid on a house that is on short sale. The countered me with wanting me to agree to get an appraisal on the house in the next 5 days. Why would I do that if the bank hasn't even approved the sale? Why would they ask for this? Usually the appraisal is done after the offer has been accepted, any reasons why they want be to do it even before they submit the paperwork to the bank?

2007-12-18 16:14:11 · 7 answers · asked by hotgirl_rightgirl00 5

Okay, so I am in housing that is sort of like government housing (for people on low incomes etc) and I am already in about 100 dollars of arrears that I have been paying off, but this forntnight I didnt pay rent, I would of if I could of but I liturally could not, im just wondering am I just going to get booted out or if I come to some sort of arrangement to pay it off would that work? I am in australia if that helps with answers.
Any answers would be great, thanks!

2007-12-18 15:57:17 · 6 answers · asked by honeychild_star 3

Is every company selling title insurance in Virginia legally bound to pass through rates as dictated by the state, or does rate premium depend upon particular insuer?

2007-12-18 15:54:17 · 3 answers · asked by Michael 2

I am now in real estate school and I want to know what I have to look forward to. Once I get started with an agency full time, how long will it take to see my first commission?

2007-12-18 15:32:59 · 7 answers · asked by Melissa T 3

The house/villa will be worth around £400,000 ($800,000), and is fully yours to use as you please for 25 years, but it won't be yours to sell.

It has to be located in a foreign country... different to the one you live in. The lottery company arranging the prize will choose one of their premium properties in any country/resort of your choice.

Which country would you choose?
And which country do you live in now?

2007-12-18 15:17:45 · 15 answers · asked by Joe Bloggs 4

2007-12-18 14:53:48 · 4 answers · asked by Aponi13 1