Questions 71-80 of 346:

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71. My mother is elderly and not business-savvy. My father passed in '04 and my mom lives by herself receiving very little from social security. Can my mother put my name on the Deed along with appointing me as "attorney-in-fact" and would I be able to take out a loan to remodel her house and put the loan in my name since I have means to pay it back? - Anonymous from woodbury, nj
    You could do this but I would never tell someone to give ownership of their home up unless they were very sure of the motives. If you take out the lo   » more
    You could do this but I would never tell someone to give ownership of their home up unless they were very sure of the motives. If you take out the loan and do not pay it back, your mother would lose her home. I don't see why your would need to be power of attorney to take out a loan.   « less
72. my wife and have no joint accounts and i am the only person on the mortgage. my wife is howerver on the deed. Could her bad credit and inability to pay her credit cards effect my credit or our house? - Scared from Pennsauken, NJ
    Only if someone puts a lien on your home. You might talk to someone and find out if a quit claim deed is possible. It would remove her from the deed   » more
    Only if someone puts a lien on your home. You might talk to someone and find out if a quit claim deed is possible. It would remove her from the deed and keep the home safe. She should know that it removes her from ownership of the home.   « less
73. I filed bankruptcy about 4 years ago, and have kept up with my payments for the house without problems. However, I recently applied to re-finance and was informed that I couldn't because the debt was never reaffirmed. I was never provided any paperwork on this during the bankruptcy. What steps can I take to correct this situation? - Adam from Grants Pass, Oregon
    I would talk to your current lender and see if they will work with you to correct this with the credit bureau's. This would be your best bet.
    I would talk to your current lender and see if they will work with you to correct this with the credit bureau's. This would be your best bet.
74. I am trying to get a home equity loan here in texas, but I'm being told that my wife has to sign the papers as well. We have been married only a few months and I had my home 4 years before we got married and her name isn't on the title or anything.Now, we are going through hard times and we are unsure if we'll be together by the end of the year and she doesn't want to sign the papers I need to get the home equity loan. What can I do? - Anonymous from Houston, Texas
    I am not your mortgage company but if they say you need her name, it's that or nothing I would assume.
    I am not your mortgage company but if they say you need her name, it's that or nothing I would assume.
75. In 1999 I filed for divorce. My attorney filed a lien against my house because I could not afford to pay all his fees. What does this mean when I go to sell my house and does a lien accrue interest? - Anonymous from Azle, Texas
    You will have to pay the lien when your home is sold. The amount that the lien is filed for is the amount you should have to pay.
    You will have to pay the lien when your home is sold. The amount that the lien is filed for is the amount you should have to pay.
76. My boyfriend is buying a house and wants me to move in with him (I have a substantial amount of money saved ). I am using approximately 20K for renovations because he has nothing saved. He is financing the entire amount of the house and since I have a financial interest in the renovations which will be a rental apartment and the money I am using is considered a loan and will be paid back to me once the unit is rented, however I will be paying half of the bills including the mort and want my name on the deed, not necessarily on the mortgage because I can't afford it alone and my credit is questionable due to a bad divorce, does being on the deed, still mean I own half of the property just exempting me from financial responsibility or should I insist that I be put on the Mortgage? Anonymous - Anonymous from Millbury, MA
    You would be better off not on the mortgage but on the deed. The deed is what shows ownership.
    You would be better off not on the mortgage but on the deed. The deed is what shows ownership.
77. WE ARE WANTING TO SELL OR HOME SO WE CAN PURCHASE A BIGGER HOME. I'AM TOLD NOW I CAN NOT SELL MY HOME UNTIL I TAKE CARE OF A JUDGEMENT FILED ON US. THE JUDGEMENT IS ON SOME WORK DONE TO OUR HOME THAT WAS TO BE WARRANTIED FOR LIFE AND FAILED TO COMMITT, BUT THE LAWYER ADVICED WE DID HAVE TO PAY REGARDLESS AND SINCE WE COULD NOT, BEING MANY YEARS BEHIND WE TOOK THE JUDGEMENT. NOW IT HAS COME BACK TO HUNT ME. I DO NOT KNOW WHAT STEPS TO TAKE TO GET THIS SOLVED WITH NO MONEY ON HAND AND A SCORE OF 566 ON OUR CREDIT, BUT WE MAKE A LOT MORE MONEY AND KNOW WE CAN PAY FOR A BIGGER HOME. PLEASE HELP - Anonymous from COMANCHE TX
    You can pay for your judgement at closing, I would assumme that you have other issues with your credit if your score is 566. Work on those issues the   » more
    You can pay for your judgement at closing, I would assumme that you have other issues with your credit if your score is 566. Work on those issues then sell your home and pay off the judgement.   « less
78. My husband and I wish to buy a house. My credit is excellent, but he has 2 civil judgements against him and his credit is a mess. My sister has agreed to co-sign for us. If we can get a loan will those who have a judgement against him put a lien against our home? - Anonymous from Texarkana, Texas
    I can not answer that question. It would be worth talking to a real estate lawyer. You and your sister may be able to buy the home together.
    I can not answer that question. It would be worth talking to a real estate lawyer. You and your sister may be able to buy the home together.
79. Hello Joe, My question is, My Mother who has a house that is paid for. Put the house in my Sister and my name. My name appears second on the deed. I just found out that my Mother and my sister are trying to sell the house without saying anything to me. Can they do this without my consent. The property is in Boston Mass.If they can do this how can I stop them. The house is no longer in my Mothers name. - Ta'Mar from California
    It would be illegal for them to sell it without you and it would not close escrow without you signing. Did the deed with your name on it get filed?    » more
    It would be illegal for them to sell it without you and it would not close escrow without you signing. Did the deed with your name on it get filed? If not, the county has no way of knowing that you own it.   « less
80. I am renting a house and the owner of the house filed bankrupcy, I was told that the house and the car was not included as part of the bankruptcy. But now the bank is trying to foreclose on the house. What can I do? - Anonymous from ohio
    You may have upto six months one the home is forclosed on. If he pays on time, the bank will not take the home. If the bank takes the home, you most   » more
    You may have upto six months one the home is forclosed on. If he pays on time, the bank will not take the home. If the bank takes the home, you most likely will have to leave. Bring a copy of the lease to the county and ask them.   « less

Questions 71-80 of 346:

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