will a co-signer’s name be included on the mortgage contract that is recorded?
I am trying to find out if there is a co-signer, other than the actual owner, on a mortgage contract that I am researching. I am not quite sure where information regarding a mortgage co-signer would be located in public records.
In the lending world there is a co-signer and there is also a co-borrower.
A co-signer is only on the loan and does not have ownership interest in the home. THIS IS RARE because someone is willing to put their credit on the line for someone yet have none of the benefit of owning a home. Generally a co-signer is a parent helping out a child. It’s worth mentioning that a lender will not let just anyone be a co-signer. As the other answer stated, a co-signer will not appear on the deed of trust that is recorded as they do not have ownership interest in the home. A co-signer is RARE once again. If the property is a condo/town home/PUD, a co signers name may appear on the Condo Rider.
A co-borrower owns the house and is responsible for the mortgage. This is generally the case when you have more than one person buying a home. You can obtain a copy of the recorded deed of trust from the county recorders office or a title company. look for the signature lines.
How can I find out how much a home in Hialeah Fl is mortgaged for and if there are any other liens against it?
The easiest way would be to order a title search. The title report would disclose any liens against the property, who the current owner of record is, easements, mineral claims, etc.
How can I reduce taxes on house I’m buying for my 67-yr-old mom in TX? Will a living benefit deed work?
I’m a disabled vet living in NV, but am sole person on deed and mortgage for TX house. Taxes are almost half of monthly mortgage. Mom lives in TX house. She pays no rent, only utilities (with my help).
Property tax’s in TX are high, about the only way you can reduce them is the file for homestead exemption if she can.
How can I sue my attorney if she is no longer practicing?
In 2005, I filed chapter 7 bankruptcy. The attorney went over everything with us and told us we could reaffirm the mortgage debt. We agreed. Losing our home was not an option. We did everything we were asked and went to the court date and all was well, so we thought. Well, our mortgage company recently explained that we did NOT reaffirm our debt and that as long as we payed the payment, they would "let" us keep our home. We have an ARM and tried to take advantage of some loan modification programs but that’s when we found out the info stated and were refused the modification. The attorney is no longer practicing law. But, the firm she worked for is still in practice. We are in VA. My question is…can I sue her or the firm? I think it would be malpractice but Im not sure. Do attorneys pay E and O insurance or something like it? Would that even apply? And, if so..after 4 years and her not in practice? I really don’t have any proof of our intention to keep our home. It seems like we probably completed a questionaire asking us that question though. I’d think that would be on file. I appreciate any responses. We are in a terrible spot, cant refi and cant afford the adjustable mortgage.
How about just getting back in contact with that law firm – meeting with who ever took over the former attorneys cases and explaining the situation to them. They may be able to fix it.
If your ultimate goal is to keep your home (as you claim) then this will work a whole lot faster than trying to find one attorney who is willing to sue another attorney.
Can I refinance even though I owe more then my house is worth?
I bought my first house in 2007. It seemed like a good idea at the time…
I ended up buying a 2bed/1bath condo for 170K In the Scottsdale, AZ area. I put about 8K down. Making for a loan of 162K. Interest rate was 5.95%. Not to bad I thought.
Now three years later I’ve paid that mortgage down to about 150K. (I’ve been paying extra each month) However the house is probably only worth about 60K-110K, why such a wide range, well different estimating sites have been saying different things. I won’t know until I get an estimate, which I will not do until I know if a refi is even in reach for me.
I’ve seen that everyone who can, is refinancing right now to take advantage of <4.5% interest rates. I’d like to too. But I’ve been told you can’t refinance a home at anything more then an 80% loan to value (LTV). In my best case scenario I would be around 136% LTV. So I’m out of luck right?
Well I’ve heard that some places are taking refinancing deals if your credit is good enough. My wife and I are both well over 750 on our credit reports. We’ve never missed a payment, on anything.
So my question is? Is a refi for someone in my situation possible? If so, who is doing these type of deals?
It’s not going to happen in your situation. "Making Homes Affordable Program" offers financing up to a 125% LTV, and you are above that threshold. Furthermore, mortgages available under MHAP are not at the attractive rates you cite in your question. MHAP was basically devised for those who ended up with ARM’s on which the rate skyrocketed when the original rate expired. For now, you need to sit tight and wait for a market recovery. AZ was especially badly hit with reduced property values.
Rates Will Be Affected Friday – MortgageMonday.com
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