what information or forms are used when closing a mortgage in NY, final signing?
484387
This is in Mass, but the process is pretty uniform throughout.  And this is for a purchase, but it's not all that different.
1014637
I think your broker is on the right track with this.  You've got two avenues to attack here: the letter and the mortgage.  To me, it looks like your better avenue would be to get this letter.  You'll have this problem with any mortgage company.\n\nIt seems silly to me that you are getting a stone wall at work.  Write up a soppy letter that explains how you need this loan and one piece of paper from them is all that is keeping you away from your dream.  \n\nAlso, the letter you show the lender doesn't necessarily need to be from the president of the company.  They're usually just looking for something on their letterhead with a signature of someone in some kind of supervisory position to you.  \n\nBest of luck!
903765
If you have a signed purchase and sale agreement, and the buyer fails to abide by the agreement, you can usually keep the deposit. You have to see what your contract says.\n\nThe closing date should be in the P&S and any change should have to be in writing. If the buyer has to obtain a mortgage and is having a problem, you may be stuck, since that usually allows the buyer to get his deposit back. Also check to see if the P&S has a "time is of the essence" clause.
346295
from mortgagetransit.com
792245
Type it out yourself on your PC.. Name, address, date your and the buyers signature and the amount and description.
869469
Contact the lawyer or title company who did the closing, or, if possible, contact the previous owner.
32877
Well, it really depends on the lender.  They should have locked your rate as soon as they recieved your paperwork, but different offices operate under different methods.  It could be possible your loan officer is holding out for a better rate (and hopefully not holding out for your rate to come BACK).\n\nI would recommend calling your loan officer and getting an update.  When you're within 12 days of close of escrow, you've earned the right to ask questions.  =)\n\nI certainly wouldn't panic, but you should ask him/her for a timetable (different states use different methods for loan doc signing/closing).  It's always best not to toe the line when it comes to closing dates, because things only seem to go wrong when you're low on time.  =)
283679
Smartest thing to do is make a contract/statement up stating person has lived there so n so months "rent free" (your choice or not?)and has no job wanted to do your best to help said person on their feet, all has failed, now are giving the person X ammount of days to get out,or contribute. Have that person sign it, with your signature as well. wouldnt hurt to give that person a copy as well you keep the original! \nFor future references its best to have "Everything in WRITING" And keep as many expense reciepts as well.
928120
That will depend on what kind of transaction it is.  \nThey may include:\n - financing\n - earnest money\n - closing date\n - title issues\n - closing costs\n - price\n - down payment\n - inspection contingency\n - survey\n - zoning\n - future use\n - lead based paint\n - mold\n - insurance\n - temporary lease\n - extension\n - option period\n - non realty items\n - points (as they pertain to the loan)\n - warranties on appliances\n - ceiling fans\n - chandeliers\n - drapes\n - appraisal\n - flood zones\n - endangered species\n - septic \n - well\n - underground springs\n - deaths on the property\n - violent crimes on the property\n - schools\n - home owners association\n - highways\n - lawsuits\n - wills\n - heirs\n - deeds\n - encumbrances\n - clouds on title\n - easements\n - right of way\n - encroachments\n - termites\n - livestock\n - mean high tide\n - riparian rights\n - mineral rights\n - etc.\n - anybody think of others?\n\nThese are some of the things that could come up on a RESIDENTIAL real estate deal.  Commercial deals are of course more complicated.  \n\nDon't let the list scare you - your Realtor will know what things to address, what to look out for, and how to best help you in your transaction.
901973
It is very rare that deals fall through at this stage, but it does happen. I've actually had a closing where all of the documents were signed, notarized and ready to record, however, at the last minute the underwriter noticed a mistake which held up the loan. The seller was impatient and backed out of the deal. It can happen, it just doesn't usually. \n\nIf you're the buyer, call your lender and double check to make sure that they have everything that they need. It's frustrating to find out they need a copy of a pay stub on the day you're supposed to close. If you're the seller, call your real estate agent and have them double check with your buyers agent.  \n\nHopefully, none of this will be an issue and everything will go as smooth as silk for you. Good luck!
937049
Check with your lawyers, but if the buyer's mortgage is ready and they are able to close, you may have to go through with it. I have had situations though where the contract "expired" and the sellers backed out without any penalties, citing that the expired contract no longer bound them to sell the house. It's very tricky to get out of a contract, so make sure they talk to a lawyer, otherwise they can be sued for specific performance.
312317
The fact that the seller has not been able to obtain the pay off information from their lender does not make it necessary for you to agree to postpone the closing date. This is never a condition of sale. If you are utilizing the services of a real estate professional, he/she should have explained the full contract to you. As a matter of fact, there is a form that your agent should have sent to the seller's agent where the seller removes all contingencies.
246966
Not in NY.  Just call a broker or agent and they can tell you.
38358
Team up with some of your local realtors. This will also help you build a referral partnership with these realtors. You can also talk to your local title company and ask them to present information relating to the closing and legal issues of the closing process.
556340
Unfortunately, there is no one answer to this problem. It depends on where you live and what type of security instrument the lender uses. There are two that are generally used, the mortgage and the trust deed. In a trust deed state, an non-judicial process is used. You never have the title to your home until your loan is paid off, just like with a car financed through a bank. The lender reports your delinquency to the Trustee, who holds the title to your house and the trustee puts the house up for sale. When someone buys it, he pays off the bank. It can be as quick as 90-120 days in a state like Texas.\n\nIf you live in a mortgage state, the lender has to go before a judge and get a judgement of foreclosure. Going through the whole court procedure is expensive and time consuming. I have seen mortgage foreclosures take two years in a state like New York, then they have to evict you!\n\nAt your early stage of delinquency, you have many options to save your home. You can check out a free, 5 part course on how to save your home from foreclosure, here: http://301url.com/StopForeclosures\n\nGood luck!
1020640
I am a mortgage banker and filling out a non-filed 1040 will get you into deep trouble in the area of fraud.  At closing you sign a form which is called a 4506 that gives the mortgage holder authorization to pull for filed taxes.  So that being said, file the back taxes and keep your copy.  I do several VA mortgage loans and have found that being up front with your banker will get you an approval a lot quicker.  Your problem is not unusual
225301
If you didn't sign the final closing documents and were not married to him then there is nothing you can be held responsible for.\n\nEven if you filled out some of the first applications you would have needed to sign at closing. Even if you intentionwas to be with him and pay it off together, your intentions at that time do not hold you accountable legally if you didn't sign your name.