how can I buy a house during my divorce?
477972
it depends on where you live and the laws about martial assets there. Also what monies you would be using to buy the house.\nIf the money comes from outside the marital assets like an inheritance than yes you can do it. You would want to have a legal document signed by your soon to be ex spouse waiving all claim to the property.
862298
Ask your lawyer. It all depends on the situation with the trust and the conditions of your divorce.
1033851
Chapter 13 is no picnic either. They will garnish your wages and leave you pratically nothing to live on. Do you have a relative or friend that can buy the house from you for awhile until you can get back on your feet? Or perhaps even selling it outright would be better than losing it. How much equity do you have in the home? Mortgage lenders will refinance up to 65% of the home's value to bail you out of foreclosure. If that isn't enough, perhaps you have access to a retirement fund (401k, IRA, etc) and you can bring some out of pocket.
797645
refi and get out of that crappy ARM before you lose everything. Bankruptcy laws cannot help you in this situation (you'll probably lose the house) refi or sell it and take the loss (sounds like you bought too much home anyway)\n\noh you can refi at ANYTIME!
1081629
You can force the sale, or ask the court for a partition (like Solomon splitting the baby), which will trigger a sale since you cannot really split a house (like you could land).  Contact a lawyer, who can tell you the procedure for your state.
944418
Buy some land and go to the court house
658675
ok, you need to get the records from the court houses from the counties that you are interested in buying from. the records you need are the delinquent taxes. you then pay the taxes and this is a lien on the property. you can name the interest on the money if they pay you back or you own the property.  you may want to also seek some legal advice on this matter before you get too involved so you are doing this right.\n\nthere is also a list of propetties in the newspapers around tax time.
784422
why don't you look into a lease-with-option-to-buy?  you can rent from the owner, but a portion of the payment goes towards the down payment on the house.  then, in 6-12 months, you can purchase the home with some money down.  remember to negotiate the purchase price upfront when you enter the contract.\n\nbut, there is no mortgage product that allows you to get the cash now and not have the loan secured by a property.\n\nlast suggestion would be setting up a direct withdrawl from your paycheck, and have it put into a savings account.  maybe if you don't have to actually bring the money to the savings account, you won't miss it.  good luck... homeownership rocks!
169044
well, in my state rent to oun does not work vary well. I'm kind of in the same place. Me and my best friend bought a house 4 years ago becouse rent was getting to hight. Well now we want to sell but can't right now becouse of a lean from her icecream store. So we are kind of married but don't want to be. So you might want to get married first.
524160
Welcome to the world of "my life now officially sucks."  I'm a California divorce lawyer.  I am going through my own divorce.  I am representing myself.  The process sucks even for me.  While I am grateful that I have the skills and ability to represent myself I have absolutely no idea how anybody else could possibly do it.\n\nIf you are dead-set on representing yourself (and I can't say I blame you -- it is very expensive to hire a lawyer) then you need to start doing your research now.  Check your local county courts and see if they have any free legal clinics.  Many do.  If you're in California, most counties have a Family Law Facillitator's Office that might be able to give you some guidance.\n\nOther than that, go to your local bookstore and check out books on divorce.  There is a mountain of information out there.  It's very difficult to get your head around it depending on the complexity of your marital estate.\n\nIn the meantime, go find yourself a lawyer at www.martindale.com.  Find one that will give you a free consultation.  Many have flexible fee plans and creative financing.  Who knows, getting a lawyer may actually save you money in that a lawyer might be able to get more out of your divorce than you could have.  Ultimately, the decision to hire or not hire a lawyer is entirely yours.  But I highly suggest you consult one just so that you have all the information in front of you when making this very important decision.
32077
Remember you only make money when you BUY a property, not when you sell it.  That means that you have to "make" your money when you buy the house.  Make sure you have enough equity in the house upfront to:\n\n1.  Repair the house for sale.  This includes all remodeling, landscaping, etc.\n2.  Carry the costs of ownership of the house while the repairs are happening.  If you take 45 days to repair the house, make sure you have 2 months worth of mortgage payments onhand.  This is called "carrying costs"\n3.  Pay the real estate agents.  Typically you will need to pay between 4-6% of your selling price in commissions to sell the house, depending on your area.  If you don't use a realtor, you can save that fee, but you might not get your property sold in a timely fashion and may eventually get less money for the house.\n4.  Cover the capital gains tax.  Remember, short term flips are taxed at 25% federal and (in CA) 9% state.  Make sure you get sound tax advice before you spend your profits.\n\nA good rule of thumb is to find out what the comps are like in the area, offer 70-80% of the comp value (this is CA, by the way .. if you aren't in a "hot" market, like CA, HI, FL, NY, etc, then offer 50-60%).  This should give you enough room to carry the loan, rehab the house and, to quote The Steve Miller Band, "Take the money and run!"
1136708
You can file a per se divorce. You fill out all of the forms yourself. You can download them off of your county clerk's website. Once they are filled out you have your spouse sign them as no contest. You file them with the court and they will set a court date of 60 days later. Once that happens, you will be instructed before your hearing to speak with a court appointed attorney who reviews your paperwork (at no charge) before appearing before the judge. \n\nMy ex and I did this as we had no children or assets to divide. It is great if you are able to be civil and you can agree on the division of the property that you currently both possess.
549187
It took me 6 months of just going to the court house and watching the sale before I bought my house.  it is very risky, there is sooooo much information that needs to be looked at and fully understood before buying a house on the courthouse steps.  there is a lot of things on paper that affect the house than just what you see when you drive by, when you win the bidding you also win whatever encumberences that come along with that house.  bottom line do your homework first and know what your buying or it can become a huge headache.
1022048
A mortgage involves a note and  a (trust) deed. Unless you expressly deeded an interest to your home to your ex-husband, you are the still the sole owner and he is obligated on the mortgage note (Sucks to be him if you default). \n\nThe disposition of the house and the mortgage (and debt) should have been explicitly dealt with in your divorce. If you had a divorce lawyer, you should contact the lawyer to determine if your EX has any legal rights to the home.\n\nMortgage companies and banks do not tend to be careless where a legal owner and spouse sign a note and trust deed. You may be obligated by the note. \n\nThe mortgage, however, would not entitle your EX to any interest in your home.
552253
Divorce is never as easy as some people say.  Seek the guidance of a marriage counselor in your area and spend the money!  It's worth far more than a new car.
48928
The short answer is you can't.  Unless your job is bringing in over 200K a year or so.  I used to live in San Diego and now work in the mortgage industry.  The median home price in San Diego is about 550K.  For example, if you have a 30 year fixed mortgage @ 6.5% on a 550K home, your mortgage payment is going to be $3,476.37 and that's not including taxes and insurance.  If you're bringing in 100K a year that's $8333 a month you're bringing in before taxes.  After  taxes there isn't much money left over for actual living (food, gas, credit cards, etc.)\n\nI would definitely look into foreclosures or talk to a bank about REO homes (They'll know what you're talking about)  Interest only is alright only if you're making a little more than the minimum payment, or if you expect your income to increase, or you expect your home to appreciate in value after the interest only period is over.  Good Luck!
1024625
You may, but you will have to rent the house back to live in it.\n\nWhat you essentially need is to remorgage your house. Perhaps to free up your cash.