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I would like to assist a realtor with her business but am not a licensed realtor. What can I do and not do under these conditions? Speciffically regarding using the internet to promote her. Thanks from Florida! What is loan modification on a mortgage and can it help me? I am trying to get an FHA loah for my double wide. What product do I use to coat the block foundation so it will pass FHA standards? Can a family member buy my house at auction after it is foreclosed on? How can one short the Manhattan real estate market? We are in the process of a short sale. We have an escrow account. What happens to the money left in the escrow account? 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? 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? NY state. How is the FDIC funded? Assuming it is funded by the banks, will the increase in the FDIC limit increase what the banks pay and will that cost be passed on to all depositors regardless of the size of their deposits? I was in contract but the home I am buying has appraised for lower than my offer price. Does this cancel my contract? What if I still want to buy the house at my offer price? I am a certified appraiser from the state of California. How may I get REO appraisal assignments? What is the purpose of the FDIC? How do I become an REO listing agent? How do I find out if the home I am renting is going under forclosure? Does a Real Estate Agent who is also a broker have to be a member of a MLS? If the Real Estate Agent/Broker is not a member of a MLS does the agent still get paid a commission? What is a CV loan? In light of recent events in the financial industry, I heard that 100% mortgage loans will become non-existent. If that turns out to be true, will the 80/20 type of loan cease to exist also since it is considered to be 100% financing? I want to know if Wells Fargo Bank is in trouble, or is it solvent? I have just sold my house FSBO. The buyer said that we can complete the transaction without using a title company, which should save both of us some money. How do I go about doing this? Is it wise to do it ourselves? Any advice would be greatly appreciated! My county was declared a state of emergency and due to unusual expenses and I am not able to pay my mortgage this month, what will happen?What can happen? I have never been late, ever! What type of questions are your employers allowed to answer when a bank calls to verify a loan for a mortgage? I am trying to short-sale my house and relocate for employment reasons. Every payment has been on time, I am a good customer for for Wells Fargo to keep. Do banks ever trade short-sales for foreclosures in another area? It would be an exchange of foreclosures for short-sale- hopefully pretty equal values. Our mortgage does not include insurance or property taxes in escrow. Due to a job lose, next month we need to pay both our mortgage payment and homeowners insurance is due. We can pay one but not the other. We can fall behind two house payments (but not three). Can an insurance company start a foreclosure process on us, due to not being insured? I have an uncurable degenerative nerve disorder which will eventually effect my ability to work. What impact will this have on my ability to get a mortgage now? I own a rental home with a mortgage that I pay with the rent. Can I put this in an LLC or Sole-Proprietorship to protect my personal credit? I have a home value of 275,000, and owe a first mortgage of 95,000. If I am looking at an equity line credit that will loan to 80%LTV, how much can I actually borrow? Which is more benneficial, 1)to set up a bi-monthly mortgage payment or 2) to make one extra payment each year, and why. We submitted a contract to buy a short sale property 3 months ago. We have not had a reply back. Can we cancel or withdraw our offer? I have a Fannie Mae Home Loan Association Bond and a Bond for Freddie Mac. They pay 5 percent interest and 5.50 percent interest. Should I be concerned of the safety of these bonds? How do you find out if we are a true mandatory HOA vs community association and what is the difference? Where do you get forms to start a homeowner association llc or inc? Should the seller and buyer use the same attorney on the sale of a house? Can a homeowner sell there home if they are behind on their mortgage? Are my bonds in fannie mae safe? Hi, If the rates have been locked but the house is not yet closed, and the mortgage rates is less than before (when it was locked) then can the lender change the rates accordingly or it needs to be refinanced once we have bought the house?Thanks! I want to buy a condo. I got approved for a FHA Loan and have good credit. The complex I want to buy in is condominiums and apartments. However, since the complex is primarily renters in apartments (not over 50% condo owners) I can not get an FHA loan. Is there an alternative mortgage loan to purchase this condo? How long does it take to find out if your bid (cash) on a bank owned house is accepted? What will happen if you fill out and sign a hardship letter with your mortgage company to get them to lock the rate, but you are really not a hardship?? I heard that the Fannie Mae/Fannie Mac loan limits are changing. Is that true? I have a $725k loan that I want to refinance, but it is at a great rate for another year before resetting. My broker is trying to get me to refinance now because the loan limits will decrease and we won't be able to refinance the $725k in a year. Where can I go to read more about this? What's the deal with FDIC unclaimed funds? How does this work?
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