| Date |
Question |
# Views |
|
| 08/31/2009 |
What do i need to know before buying an owner financed home? |
991 |
[view]
|
| 08/19/2009 |
When making offers at this time is it wise to make offers below asking price or above to make sure you get it? |
874 |
[view]
|
| 08/18/2009 |
i heard that the government is slowly backing out of buying the mortgage back securities, and this will cause the mortgage rate to go up, right? |
621 |
[view]
|
| 06/01/2009 |
Can I change my mind at the last minute about buying or selling real estate? |
955 |
[view]
|
| 05/19/2009 |
If I have one rate in the good faith estimate and the truth in lending disclosure statement is higher, which rate will be use for my mortgage or should the rate be the same? |
611 |
[view]
|
| 05/12/2009 |
I was trying to lock in the rate last night and my mortgage agent told me that he could't lock in rate as the lock in desk closed (~8pm PST). Is this true that we can't lock in rate after certain time? |
1,396 |
[view]
|
| 05/11/2009 |
How can I give back a mortgage on a time share property? |
635 |
[view]
|
| 05/03/2009 |
In California, my loan servicer has historically over-impounded tremendously. The impound account affects the monthly payment on a mortgage. My lender has been waaaaaaaaay over impounding. I notified, and received only 1/3 of the over impounding back. The lender admits that over $22,000 is currently above the required amount, in impound. 1. Is there a limit to the amount (percentage-wise) that the lender can maintain in impound? 2. Does the lender have a time limit, once notified of over-impounding... |
893 |
[view]
|
| 04/30/2009 |
Is there a certain score my credit must be at before I will qualify to buy a house with no co-signer? |
1,497 |
[view]
|
| 04/30/2009 |
If I am divorced and need to take ex-husbands name off house, what steps should I take? |
699 |
[view]
|
| 04/28/2009 |
We paid our mortgage off. We have received a release of lien. Do we receive the deed? I quess I'm looking for something like a car title. Or is the release all we get? |
1,271 |
[view]
|
| 04/28/2009 |
How can I find out the status of the home next door to me , it has been empty since last summer and is becoming an eyesore? |
1,104 |
[view]
|
| 04/14/2009 |
Are real estate commissions based off of the net sales price (sales price – seller subsidy)? |
691 |
[view]
|
| 04/07/2009 |
Can a buyer with an FHA loan have the option to purchase under a short sale? |
1,187 |
[view]
|
| 04/02/2009 |
What is an acceleration clause? |
1,043 |
[view]
|
| 04/02/2009 |
How is the FDIC funded? |
289 |
[view]
|
| 04/02/2009 |
How do I go about finding out if my mortgage has been purchased by Fannie Mae or Freddie Mac? |
1,564 |
[view]
|
| 03/26/2009 |
Why are the two different rates to every mortgage? Why is there an interest rate and a APR rate? What is the difference? |
5,206 |
[view]
|
| 03/24/2009 |
Explain "cap rate", what is it and how is it arrived at. Also, how does the "cap rate" fluctuate in relation to the price/value? Is it inverse, as the "cap rate" goes up the price/value goes down, and vice versa? Is that right? Why? Thank you |
1,399 |
[view]
|
| 03/24/2009 |
I am the first named applicant on a joint mortage. Do I have a legal right to have the second applicant removed from this mortgage? |
1,506 |
[view]
|
| 03/23/2009 |
What are the chances of a person to get another mortgage after their first home was foreclosed on? |
1,159 |
[view]
|
| 03/18/2009 |
Once I pay off my loan with the mortgage company how long can they keep my escrow balance? |
1,103 |
[view]
|
| 03/12/2009 |
Can a mortgage lender (in California) refuse a mortgage payment after an NOD has been filed? Aren't they supposed to allow a cure of the default by accepting a payment? |
1,150 |
[view]
|
| 03/10/2009 |
If I disputed with one Credit Agency(Experian) and it was found that there was a mistake, will I have to contact the other 2 credit agencies or will they be automatically notified of the mistake and it be removed from all 3? |
1,019 |
[view]
|
| 03/06/2009 |
Should first time home owners go FHA and how strict is FHA? |
1,763 |
[view]
|
| 03/04/2009 |
If I pay down my mortage will my monthly note decrease? |
1,900 |
[view]
|
| 03/04/2009 |
If you are buying a home and you get pre-approved for say 150k, then you find a foreclosed home appraised for 150k and they want 120k, can you get the loan for the 150k to pay off existing debt? |
1,029 |
[view]
|
| 02/27/2009 |
How can you find information about foreclosed homes? |
934 |
[view]
|
| 02/24/2009 |
What happens if I pay my first mortgage, but not my second? |
2,563 |
[view]
|
| 02/23/2009 |
How do I write a Mortgage Hardship Letter? Can you provide an example? |
12,169 |
[view]
|
| 02/18/2009 |
How do banks determine mortgage delinquency? |
1,085 |
[view]
|
| 02/17/2009 |
What is a loan servicer? |
869 |
[view]
|
| 02/13/2009 |
What is a portfolio lender? |
1,225 |
[view]
|
| 02/13/2009 |
I was pre-approved for a mortgage, found a house, made an offer, and then I was laid off. The offer has not been accepted yet, but we have a feeling that it will be soon. If I find a new job within a couple of weeks, is this okay to change jobs in the middle of a home purchase and do I have to tell my lender? |
402 |
[view]
|
| 02/13/2009 |
When submitting a bid on a home, how long does the seller have before answering the bid? |
1,271 |
[view]
|
| 02/13/2009 |
What is a deed in lieu of foreclosure? |
6,532 |
[view]
|
| 02/11/2009 |
Can a real estate office that owns a inspection company have that company perform its inspections? |
425 |
[view]
|
| 01/23/2009 |
What is a cash out refinance and why do mortgage interest rates increase for these types of loans? |
5,122 |
[view]
|
| 01/22/2009 |
Is having a mortgage loan good for your credit? |
642 |
[view]
|
| 01/14/2009 |
What are VA Loans and how do they work? |
2,237 |
[view]
|
| 01/13/2009 |
How does a passbook loan work? |
1,120 |
[view]
|
| 01/13/2009 |
Can closing costs be added to the loan? |
2,422 |
[view]
|
| 12/31/2008 |
What should I do if a broker refuses to return deposit after bank denial? |
789 |
[view]
|
| 12/26/2008 |
If a home owner makes the loan payment on time but it is a partial payment, what law gives the lender the right to refuse the payment ? Or is there a consumer right protecting a home owner when he can make a payment on time, but it is a partial payment ? |
922 |
[view]
|
| 12/26/2008 |
Does a home refinance need to close both my existing primary mortgage and my home equity line of credit, if what I need is actually just to refinance the primary mortgage? My primary and HELOC are from two different lenders. |
1,794 |
[view]
|
| 12/24/2008 |
Can someone please explain how the duration of a mortgage goes down as extra money is being applied to the principle each month? |
1,421 |
[view]
|
| 12/24/2008 |
Is there a restriction on getting a loan from an out of state bank? I live in Illinois. Can I get a loan from a Wisconsin community bank for a house in Illinois? |
657 |
[view]
|
| 12/20/2008 |
Who can qualify for an FHA Loan? |
3,075 |
[view]
|
| 12/15/2008 |
Can your lender deduct late charges from your regular/normal mortgage payments? In doing so, I am now short on my current month's mortgage payment. If this is not allowed, what course of action can I take against the lender. |
661 |
[view]
|
| 12/12/2008 |
Who do you make your deposit check out to? |
5,554 |
[view]
|
| 12/07/2008 |
I would like to better understand the cost of REO to the banks to give me a better understanding of how to deal with them. Lets assume that the bank has $100,000 invested in a house, with total taxes of $100/month. Assuming that the 30 yr mortgage interest rate is 6% the cost of that mortage would be $600/month. So would a good estimate of carrying cost for the bank be $700/month? A few other things to consider: 1) I would assume that the bank borrows the money at a lower rate than 6% so the carrying... |
881 |
[view]
|
| 12/07/2008 |
I recived a letter from my mortgage holder stating they want a 2k escrow continious balance. If I take my monthly escrow payment it will cover 100% of money due. Am I required to provide them with a 2k loan w/no intrest. Thanks |
3,314 |
[view]
|
| 12/01/2008 |
What is a title search and what are they searching for? |
1,026 |
[view]
|
| 12/01/2008 |
I am buying a two-unit house and will live in one unit and rent out the other. I was told by my lender that the mortgage rate for this type of housing is higher than single family house. But a friend of mine said it is “owner occupied two-unit” and should be treated like single family mortgage. Which one is correct? |
4,493 |
[view]
|
| 11/26/2008 |
I bought two properties about a year or less ago. The only purpose i served in the transaction was the use of my credit. My mother has been making payments on the two properties until now, but she cannot afford to continue paying them. How can i transfer these properties to her so it does not ruin my credit. Does a Quit Claim or Warranty Deed apply? |
690 |
[view]
|
| 11/24/2008 |
Can you please tell me what the required verbage is when reflecting a rate on a sign or advertising? |
483 |
[view]
|
| 11/21/2008 |
I refinanced my house about a year ago, will this have an effect upon my eligibility for a reverse mortgage? |
416 |
[view]
|
| 11/21/2008 |
Is it ok (or unethical) to ask three agents to take a look at our home and provide their evaluation and also provide their fee proposal when selling, in order to make a wise decision on who to hire as our agent? |
643 |
[view]
|
| 11/21/2008 |
Where do I find out about current FHA home mortgage rates? I am totally new to this and am buying my first home. |
938 |
[view]
|
| 11/17/2008 |
What is the significance of a lender having a "de underwriter?" What does DE mean? And Why is it better than worse than an underwriting situation that is not DE? |
883 |
[view]
|
| 11/12/2008 |
Should a buyer use the same closing attorney as the seller? Why or Why not? |
466 |
[view]
|
| 11/12/2008 |
I am trying to refinance my mortgage and my husband (whom i havent seen or heard from in years) is still on the loan, and my company won't let me refinance without him signing off, is there anyway around this? |
1,554 |
[view]
|
| 11/12/2008 |
How much does a inground swimming pool add to the selling price of a home? |
2,138 |
[view]
|
| 10/31/2008 |
If you buy a duplex that has tennents - can you terminate the lease and move in yourself? |
950 |
[view]
|
| 10/29/2008 |
Can you pay down points on an existing mortgage? |
488 |
[view]
|
| 10/28/2008 |
What does it actually mean when a real estate listing says "seller motivated"? |
369 |
[view]
|
| 10/28/2008 |
Why can a mortgage company sell your mortgage without your permission? |
366 |
[view]
|
| 10/28/2008 |
What is a reverse mortgage? |
1,603 |
[view]
|
| 10/27/2008 |
What is the difference in appraised value and fair market value of a home? |
1,613 |
[view]
|
| 10/14/2008 |
Is there a grace period after closing to back out of buying a home? |
623 |
[view]
|
| 10/14/2008 |
What if the year my house was built on my uniform residential loan application is wrong. The seller lied. |
396 |
[view]
|
| 10/07/2008 |
Is it harder to get an FHA loan today because of everything that has happened in Banking? |
598 |
[view]
|
| 10/07/2008 |
What amount is a normal/average "broker fee" or "origination fee" a person with 580 fico or below should be charged? |
458 |
[view]
|
| 10/02/2008 |
What happens when you pay off a mortgage? Do I need to notify anyone and will I get any paperwork such as a deed or ownership title? |
1,282 |
[view]
|
| 10/02/2008 |
I just refinanced my home and borrowed money with the same mortgage company. Do they have the right to come in and inspect property if they want, Legally? |
334 |
[view]
|
| 10/01/2008 |
Can a second mortgage holder stop the bank (first mortgage holder) from selling a home they have taken back by not releasing the property with a clear title? |
775 |
[view]
|
| 10/01/2008 |
What is the best way to describe to a borrower what "upfront mortgage insurance premium" is and why it is charged with an FHA mortgage? |
708 |
[view]
|
| 09/30/2008 |
How do I find out if the home I am renting is going under forclosure? |
553 |
[view]
|
| 09/30/2008 |
What type of questions are your employers allowed to answer when a bank calls to verify a loan for a mortgage? |
329 |
[view]
|
| 09/29/2008 |
Do I have to have equity to qualify for a reverse mortgage? |
255 |
[view]
|
| 09/29/2008 |
if i have not made payments in 3-4 months and an attorney has sent a letter asking for full payment,about how long does it take for them to get me out of my home and what is the next thing they do. |
315 |
[view]
|
| 09/29/2008 |
What is a good way to estimate the cost of house insurance? |
1,662 |
[view]
|
| 09/29/2008 |
When is it appropriate to give the buyers, or their agent, the disclosure statement regarding the property we are attempting to sell? |
253 |
[view]
|
| 09/29/2008 |
If my rate has been locked but the house is not yet closed, and the mortgage rate is less than before (when it was locked), can the lender change the rates accordingly or does it need to be refinanced once we've bought the house? |
1,919 |
[view]
|
| 09/19/2008 |
What if the year my house was built on my uniform residential loan application is wrong. The seller lied. |
396 |
[view]
|
| 09/19/2008 |
Can a homeowner sell there home if they are behind on their mortgage? |
1,299 |
[view]
|
| 09/19/2008 |
Should the seller and buyer use the same attorney on the sale of a house? |
627 |
[view]
|