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Mortgage Homepage
Reliable mortgage information
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Can a mortgage holder report a foreclosure if they have no proof?
I have recently disputes a foreclosure on my credit report because the servicing company does not have copies of the foreclosure documents. I have requested them, but they have repeatedly stated they do not have any copies of the actual foreclosure documents as proof the property was foreclosed on. instead, they keep trying to refer me to the foreclosure attorney. Per the FCRA, as I understand it, they cannot report something that they don't have proof of...so technically they cannot report a foreclosure unless they can show me the foreclosure documents, is that correct?
What to do about my mortgage payment history?
The bank said I am behind because of missing payments really far back. I called my lawyer and I called my bank last Friday. I still am scared, although my attorney said to be patient until we get the bank statements in 10 days because they had to use archives from 2009. He also said don't talk to them because they are only a collection company and do nothing for me. Any help you have here, please
Im paying a mortgage on a house I am renting out.?
how do you file taxes in the situation?
What happens if you default a second time on paying your mortgage?
I am three mos behind in my mortgage and ready to pay it but I'll be three mos again in my mortgage real soon. What happens the second time around? Does it start from scratch in the foreclosure process? Thx.
Do both spouses have to be on the mortgage in Texas?
PLEASE ONLY CORRECT ANSWERS NOT GUESSES In the state of Texas, do both spouses have to be on the mortgage?
Further advance on your existing mortgage?
my husband and i are looking to borrow money for home improvements, i was just wondering what would be the better option? a homeowners loan, or a further advance on our mortgage?? also with the mortgage option, does it depend on the value on the property??? We were looking to carry itover 30 years??
Has anyone got a section 106 mortgage with Nationwide ? (affordable housing) ?
Hi everyone, I have recently applied for a mortgage with Nationwide Halifax have lent to their quota already to purchase a section 106 affordable housing property on a 'low cost buy' basis so not shared ownership my broker told me that Halifax and Nationwide are the only ones that would lend because of the 106 . I had a letter from my solcitior to say we would be exchanging by Nov 11th and then I phoned him to be told they had not actually received my mortgage offer yet. It has been going on since August. I have reserved a 2 bed apartment. It's a 6 block apartment, all the 3 blocks who have gone with Halifax have sailed through but the Nationwide applications are stalled. My mortgage advisor assures me it will be fine, but Im half expecting it to all fall through and that Nationwide won't lend to me ??? My advisor says its because of the 106 and thats its complicated and that no one is getting back to him so I'm just sat not knowing anything ? Anyone else have this problem ?? xOr is it just Nationwide ?
May I deduct the mortgage interest for a commercial loan under 1120S?
I am concern about deducting interest of the commercial loan used to buy a commercial building on the form 1120S. My client told me that he refinance this building every 5 years and they bought 6 years ago and never they claimed deduction on depreciation and interest paid on loan. I am stuck with this kind of loan refinance every 5 years and I would appreciate if someone could help me with this issue Thanks
Recvd a generic letter my mortgage maturity date is in march but it didn't provide any instructions? ?
As to who to contact or how to renew? Do u call the bank and just ask? Shouldn't they call me or advise next steps? The letter I recvd wasn't really a letter just a generic bank statement I receive every month.
My credit score is 650. What are my chances of being approved for a mortgage?
I am interested in purchasing a home. I make about 40,000 a year. I have no credit card debt and no car payment. I plan to make a down payment of at least $10,000.
What is the monthly payment on a $125,000 fixed-rate mortgage at 8% for 30 years is (assuming no fees or disco?
What is the monthly payment on a $125,000 fixed rate mortgage at 8 % for 30 years is assuming no fees or discount points ?
I am looking for mortgage financing?
I am a 1st time home buyer trying to get financing for an FHA loan. I'm trying to get a pre qualification letter and Chase and Quicken loans have both turned me down because I don't have 2yrs of employment history. I was laid off and unemployed for a year and a half because of the economy and i have been gainfully employed for 14mths now. Does anyone know of a mortgage company that will be willing to finance a mortgage for me because the down turn of the economy was not my fault.
What are the downsides to getting an FHA mortgage where only 3.5% down payment is required?
Im not asking about the completely obvious aspects of this situation, such as my monthly payment would be higher than if I put 99 % down, ect. So please dont answer unless you know specifics. What is bad about FHA loans?
Mortgage question about a foreclosure ?
I recently got approved for a mortgage on a duplex. When I met with the mortgage broker, I brought in a listing of a home that is a normal listing from an agent. This past weekend, I fell in love with a foreclosure. Would anything change on my mortgage since this home is a bank owned?
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