My fiance spoke with somebody from Countrywide (the mortgage lenders) a little over one week ago. He gave the man all of our information (to get pre-approved) and we were pre-approved for a little bit more than we're going to need for the ...

For the first two years that I have been paying on my current mortgage, the lender returned surplus money from my escrow account. This past couple years, they have kept the surplus. Recently, they even raised my escrow payment and are assessing ...

I got a modification package and there is a form 4506-T. I was wondering do they really order transcripts from IRS? It's not that I am trying to hide anything it's just I filed taxes with my ex, but still legally married husband for tax ...

Long story short, my husband and I are buying a house. My credit doesn't qualify, but his does. But because his income alone won't qualify, his parents agreed to give us more money toward the down. The day before we were supposed to ...

I am renting out my flat and have been for 8 months, I originally informed my mortgage lender and they said I could only change to a buy to let mortgage if I paid a massive lump sum, I did not have this money. I have been redirecting my mail but ...

A mortgage is a security interest in real property held by a lender as a security for a debt–usually a loan of money. While a mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land...

I wanted to know if anyone else is going through this and wanted some feedback. We have already refinanced once when we inherited the house from my fiance's mother, and then we did a loan re modification a year after that because we fell ...

My fiance took ownership of a rental duplex property from her father in 2007 using a $175K, 6.875% ARM (adjustable in 2017), conventional uninsured loan. The original monthly mortgage is $1002.60. She had put about $20K into the property for ...

I have a home that WAS paid for. Since my husband and I have an empty nest, my health is deteriorating rather quickly and I have been on disability, we decided to take out a loan on our home, purchase a motorhome and just rent our home out as this...

I just bought a house. I get paid every two weeks, so I thought I would pay half of the mortgage 2 weeks early and then set my bill pay to pay half every two weeks so that I'd never be late nor overspend my account before my mortgage is ...

The mortgage payment is deducted each month from the same bank checking as the mortgage lender (same bank). No collections calls ever occurred, no letters, no conversation or contact then one day two weeks ago there is a foreclosure notice that ...

Objective: To obtain a position with a growing company with the opportunity to excel and gain more experience in the Customer Service industry. Work History: (5/2007-11/2007) Temp. Position-Title coordinator 7090 Samuel Morse Dr ...

I've got 18 years until retirement and I'm looking at buying a home. I was planning on a 15 year mortgage so I could own the joint when I'm retired. My lender is trying to sell me on 30 yr vs 15 year mortgage. He says with the 30 ...

w/o giving a life story, do mortgage lenders allow just the w2s for proof of income if you do not have the returns?

I would like to see if someone in NYC could help me. I want someone with an office that I can go see and meet with so I don't get scammed. I don't trust doing business over the phone/fax/internet. I want to take out a mortgage for ...

I have a very average credit score, 689 I believe. I have some negative history on my credit report. My wife passed away in 2003. In 2005 I had a stroke and was hospitalized for a long period of time, became severely depressed and was in rehab ...

I've got 18 years until retirement and I'm looking at buying a home. I was planning on a 15 year mortgage so I could own the joint when I'm retired. My lender is trying to sell me on 30 yr vs 15 year mortgage. He says with the 30...

I am planning to buy a house to avoid paying high rent and will take a mothly repayment mortgage with minimal deposit.As I know,the for first few years,the monthly installments are composed of mainly interest and small part of capital repayment(80...

I was not informed of the possibility of a sale until 12/5/07 and then only by email, which gave me only three-business days notice I did not know what to do, To make it worse she left the office early that Friday at 1:30 and they could not be ...

I own a small business and have my accounts with US Bank. The loan officer gave us a pre-approval letter for a mortgage loan based on our credit reports, and tax returns. He said we were glowing candidates. A couple days later he made an abrasive ...

I'm going with an FHA loan for a house. The lender at bank of america is really trying to get me a good rate and very consultative about payments and questions. He came recommended from my sister who purchased a house last year. But I have ...

I have been looking around the internet about mortgages and came across this interesting piece of information on wikipedia and I do not know how true it is...wiki says "A mortgage is a transfer of an interest in land, from the owner to the ...

I put a contract on a townhouse/condo in April with an earnest deposit of 5K. I did not have a credit score, I make good money and have been employed for a long time, My parents are putting down a large down pymt. The LTV was about 60%. The ...

My Mortgage was sold by the original lender to a new national bank. I just received the notice of the change two days ago. Effective March 3rd, I am officially doing business with the new bank. There is trouble already! The new bank sent a ...

I am wanting to purchase a 2 family house that is already occupied and rented for $600 a month, the asking price is only around 15,000 and it's real estate value is at least double that. The owner is retired and just looking to get rid of the...

It has been almost 2 years, from the time we made application for a deed in lieu. We thought it was the responsible thing to do, after draining all of our resources and had nothing left and were unable to pay. It took 6 months to get approved ...

trying this again...closed on a loan with settlement company on a refinance loan for 99,000....they said at closing the figures came up that after all the fees closing costs ecrow etc etc that it came to 98,892...they said that i had 108 dollars ...

long story. PLEASE HELP ok at first we lost 2 houses we were interested in because the mortgage lender could not get all the paper work in order before the houses were gone, so my wife and i went to find a new mortgage ...

The minimum down payment is 20% but I can liquidate enough cash to pay 40%. Should I do as large of a down payment as possible to minimize my monthly payments? Or should I take out as much money as possible on a loan to maximize my deductible ...

I purchased a home in 2006... 30-yr fixed mortgage at 6.75%. About $150,000 remains on the mortgage. Since then, I have returned to school full-time (medical school). Due to the market slump, I have not been able to sell my house. I instead ...