My grandmother is in middle of mortgage contract she was on a no doc loan?
395992
Pulling your own credit DOES NOT AFFECT your score. You are allowed to pull your own credit as many times as you need to for any reason and it should not affect your score. If for any reason it does, call the bureaus and report the company used.
1122696
Ouch! \n\nI think that since you have already made a final settlement that she would not be allowed to come back at you for any more money. Also if her name is no longer on the mortgage documents then she should have no claim on the property. \n\nI would definately check with your solicitor before selling the house - after all if all it means is waiting a couple of months for the divorce to be final before selling and therefore not having to share the payment for the house it would be better.
1128276
The situation to me is whether or not she is able to do stuff.  If she has medical issues, does this prevent her from being able to do basic stuff?  If not, then it comes down to what you and her son are willing to put up with.  You have two possible solutions.  First is to sit down with her and lay it all out for her.  Her son has to be behind this also, because it won't do to have you saying one thing and her son saying something else.  Let her know that she will be required to do her own laundry, assist with cooking and /or dishes, she will be asked to help clean around the house.  If she cannot, or will not, assist in these matters then let her know what will happen - she will have to find a new home, she will be asked to leave, she will have to pay rent, etc...  Whatever the penalty or solution that you two come up with to deal with the situation.  Solution #2 would be if you do not wish to live like that - contact the other 2 sons and everyone have a family meeting to decide what needs to happen with 'mom.'  It may be that it is time to find a retirement home for her.  If it is too much of a physical, emotional, and financial burden for you to take on - then the entire family should get involved.  It doesn't mean you don't care for her, but you can't live your life around her entirely either.
478100
no. the only thing the bill collectors can do is try to get their money from her estate if she owned anything of value- such as a house.
688445
I agree with Herb R with regards to the No Doc loan (we call it the NINJA- No Income, No Job no Assets).  However, this loan is based solely on your credit so if that is low you may not even qualify for the No Doc, and if you do the interest rate is going to be ridiculous.  I would recommend that you get a job and save some cash before you purchase.  Or at the very least try to improve your credit
1046643
Any legal questions should really be put to an attorney to answer. But my understanding is that you should double check your homeowners policy for coverage, most insurances do cover accidents that occur on your premises. Look into Tort Laws regarding private property also and then you could find out for yourself what kind, if any, liability you may or may not be responsible for in your own state. Also you should check the records of the home where your grandfather is placed to make sure by their policy and the family's that you can take him... Do NOT accept the word of the nurse who may know nothing regarding the policy that may be enforce regarding him personally. She has his best interest at heart in wanting him to have family time., but you should be sure
1129551
I agree with the above poster. If you credit is good, you have other verifiable income you may be able to stay with the same lender; if your up front and honest. Just prior to funding the loan the funder is going to call your employer to verify your still there. Guess what happens when she finds out your gone? Loan dies and now your already at your closing date.\n\nIf you have a month to go before closing you have lots of time to find a solution. If your credit is as good as you say you may be able to go no doc (no income, no assets, no employment) or a no employment verification only but with verified assets etc...\n\nBe up front and honest and you should be ok.\n\nIf you would like to discuss some alternatives to your situation drop me a line.\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com\nwww.firstratelending.com
248827
You aren't, but her estate is. If she left anything to you the bill would be paid before you got anything.
449903
If the house was paid for with community funds, she has a case.  (A case, not a sure victory.) There are lots of possible reasons (for instance, it may be that in using community funds, it is a breach of the contract, so the house is community property -- or it may be that the agreement would be found unconscionable, esp. if she had no legal advice prior to agreeing), and lots of facts that cannot be determined from your question.  But she should consult a lawyer.
487244
You may need to talk to your lender who is carrying the note. They may refinance the loan into a no prepayment. Also if the loan has a soft prepayment you can sell the home.
352320
It means a creditor has decided a loan is noncollectable.
886542
If there is no mortgage in the M-I-L's name, have a title company prepare a quit claim deed and then you all sign it and file it with the county-- total should be under $100.\n\nIf there is a mortgage in your M-I-L's name, she has to stay on the house until you finance it under your name.
261527
I assume you are talking about taxes?\n\nIf so, who is supporting her? Who lives with her? If your mom is caring for her and supporting her financially, than I would say she could file. But don't try to file if these two are living as husband and wife for 16 years (albeit without papers.) That would be dishonest. If this guy is sharing her life, sharing a home, caring for her, their money is, no doubt, pulled together to make living on their own affordable. Leave the poor guy alone. What does your grandmother say?
874448
The answer is:\n\nThere is ALWAYS some sub-par Mortgage Company that will approve her for a Refinance -- and she is going to have to spend a lot of time looking around for this type of financing.  It is going to take weeks of time -- yours and hers.  \n\nIn reality -- this interest rate is going to be high -- and the payment will probably increase, and I doubt she has thought of the issue of having a proportion of the Taxes and Insurance (as well as most likely being required to purchase Mortgage Life Insurance) added on top of the basic principle plus interest payment.  \n\nIs there a reason why SHE is wanting to buy you out with a shaky credit history?  Why are you not buying her out -- or both of you just placing the home on the market in the meantime?  \n\nI suspect she is doing this because she would have difficulty either purchasing another residence, or can not juggle her budget to accomodate rental units either.
774847
You have to find out of your grandmother has a will. Everything will go to whom ever she names. You will not be able to do anything about it.
784350
not enough info....two loans? 1st and 2nd?  home equity etc. unless there is equity in the home that you can access, the only option is a personal loan  unless you sell the house and have it deeded in both names...a reverse mort might be an option, however, that is usually only avail to seniors.....you could do a promissory note and use purchase money mort as a way to have the one party buy even amounts...ask a real estate atty
341777
What could she get if she were renting to someone else?  Business is business.  Most people have rental properties to make money.  A lease would protect you as well.  Perhaps someone has offered to pay her $1,900/month and sign a lease and she is offering you the deal first.  Sorry if this sounds harsh, but you are not a guest in your mother's home, you are a tenant.