can the bank be liable for closing cost when a RESPA was not disclosed in the required 3 days,?
611625
No. But they did violate the HMDA regulations.
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.
137919
The bank is not responsible to make sure that funds are available. It is the depositors responsibilty. The best that can be done is to talk to the bank that the check was drawn on to find out if funds are available to cover it, and of course, sue the writer of the check.
320816
If you are talking about a repo--- It is there duty to retrieve the auto if you are behind in your payments. They are hire by your lender.
956742
From your Real Estate agent but be careful if you fill it out yourself. RESPA is not a joke.
813190
Most of the disclosures are required to be signed within 3 business days of application.  The Good-Faith Estimate, Truth in Lending, Servicing disclosure, etc... would fall under these rules.\n\nIt's possible that some state-specific forms are required at time of application, though.
511733
Depends.  There should be an explanation as to what those details are (interest payments, fees).  Call your bank and ask for an explanation if you still don't understand.
669823
There has to be more to the story than you are stating! Tell us more or you will not get good enough answers to help you. SHE had to sign legal documents and have them explained to her and in most states after a refinance you have 3 days to rescind!
415913
Unless it was intentional, and can be proved, then no you are not liable.  It's called assumption of risk.  If you choose to purchase a home that is on the golf course you should know what to expect.
991779
probably about 2 weeks providing the bank can get the appraisal done right away and there are no old  liens on the property to be sorted out
264001
I don't think so. Your insurance company probably has a loophole in the insurance plan that says it would be an exclusion if you were robbed while customers were in the bank after hours.
722852
Closings get delayed all of the time.  At least you know about it ahead of time.  Unless your contract says that it has to close by the 12th or it will be null & void it shouldn't be a problem.
598860
Check out ING via their website ingdirect.com.  I have an account with them and last week they sent me a notice that their mortgage product will cover the closing cost for loans that are below a certain amount.  Other than that, you can get a bunch of information at bankrate.com as well.
1011159
Yes, the seller is responsible.  If the amount hasn't been determined yet, and if you really want this condo, then you should have your closing agent hold back $25,000 of the sale proceeds in escrow.  Once the final amount is established the closing agent can use those funds to pay off the assessment and return any remaining balance to the seller.\n\nIf the seller isn't willing to go for this then if I were in your position I would walk away and sue them for the return of the deposit.
165064
no way, sorry. what you have is an asset, not an expense. \n\nif the money was stolen or the contractor went out of biz, you might have a casualty loss.
416335
There are some contracts that can be rescinded if acted on within three days, but not a travel contract, as far as I'm aware. However, there is a separate code section for sellers of travel (http://www.leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1688-1693), which might apply to your case.\n\nThe problem is that if the vendor refuses to return your money, then your only recourse for the amount of money to cover a weekend stay and car, is likely small claims court.\n\nThere's no legal means to force the vendor to return your money without obtaining a judgment from the court.
923329
I didn't think the owner could redeem a property once it was purchased at an auction.  \n\nIf however they can repurchase it... they will have to pay the amount defaulted plus any fees accrued during the process.  \n\nThat's odd that the bank would have allowed a home to be sold for less than the amount owed.\n\nYou've got a tricky one.  I'd look up NC foreclosure laws.