Took job 90 miles from house. Trying to sell house. Cannot afford payments. What do I do?
597022
Save the house. Moving back will one save you a rent payment but also and i do not know the state you live in but sometimes the taxes are cheaper if you are living in the house. Get a beater Honda or Toyota and drive that and keep the SUV as a second car or get rid if it all together. Sometimes if you list the beater as you daily driver and the SUV as a recreational car you can save money there. In the meantime i would start looking for a job closer to home if you can. If not then i would live in the house till you sell it then find something else to buy once it has sold. Owning a home is the last tax shelter with out uncle SAM will have his way with you if you do not own a home. I hope that helps. FSBO is a tough call. The markets are slowing down and i would shop at least 4 or 5 Realtors and negotiate a smaller commission. Without a Realtor involved you open yourself to lawsuits. Check with friends of family members for a recommendation.
220134
List it yourself and try to sell it that way. If that fails you can always seek the assist of a realtor.
117967
If you have moved more than I like 50 miles away you can, you have to submit a bank statement or utilty bill showing your new address, if not, the best you can do is go in, say you wanna quit and pay the year off.  I know, its a load of nonsense they dont tell you when you sign up. Try bringing in homeless with your free passes, maybe they will let u quit.
1165632
Contact a mortgage broker in your area first.  They'll set you up with a loan and preapproval.  Then you'll know what you can afford and then hook up with a realtor.  Don't go to the realtor first.  That's putting the cart before the horse.  If you're in California, I'd be glad to help you.  E-mail me at tom4loans@sbcglobal.net
142862
Ask friends or family for some help ($$$) until payday.  \n\nIf you have items that you can sell...try selling them.  For instance, I took some DVD's I had sitting around that I never watched to a Used  store that bought them (about 25 of them) for almost $100.  You could try pawn shops as well.  \n\nGood luck.
665195
Try looking on craigs list for people who need help moving or getting rid of stuff. Sell things on ebay. Call your credit card company and try to get them to lower your rates.
869937
They probably don't want to go through the cost of taking your car back, so continue to insist on working out a payment plan with them.  Ask for the supervisor, and whatever you are able to agree on, get it in writing.  If you can't get anywhere with them, however, I would consider getting an attorney or nonprofit debt counselor involved who can negotiate for you.  Daily phone calls are harrassing and can be illegal.
436702
Sell your truck and use the money to pay your house loan.\n\nI suggest you to sell everything you own (Including your bed) and pay your house loan before you are kick out of your house and you end up homeless.\n\nPlease let me know how much debt exactly do you have in your house loan and how much is your house worth so I can find you a buyer for your house before your house becomes property of the bank.
538189
It sounds like you are in the IDEAL situation for what is called a "contingency" agreement. Put your house on the market and start looking for a new house. If you have no income and the only money you have is from the sale of your current house then you can sign a purchase contract with another seller that says you will close on the purchase of their home contingent on the sale of your current property, which, in regular words, means you can buy their house as soon as yours is sold!!!\n\nThere is also the option of a bridge loan. These are secured by the equity of your current house and gets paid in full once your house is sold. These work well but you have to pay interest on them just as you would a regular mortgage. I would speak with a mortgage broker after you get in touch with a real estate agent!!!!
200266
Look at your income and determine how much you can afford ... be realistic ... things like garbage and water and landscaping are expenses you may not have had in the past.  Then decide where you want to live ... city, suburbs, rural ... single family home, condo ... research neighborhoods ... do you have kids? ... school districts, will you be commuting? ... traffic and public transportation ... work with a realtor ... they are the experts ... remember it is the SELLER who pays the commission for the buyer's and seller's agent ... good luck.
478396
Yes you can move, absolutely.  Your lender will NEVER come and knock on your door to make sure you are still living there. You can even have your loan statements sent to an "alternate address." If you want to be completely sure and honest, ask your lender, they won't change the conditions of your loan just because you ask questions.
485384
Network like crazy.  Try and go to bridal shows.   Talk to builders in your area to see if they'd be willing to let you sell their houses (perhaps at a reduced rate).   Work friend and relatives to help you out.
608970
I would love to tell you that everything will be alright. But you are in a very tuff situation. It sounds like the pinnacle of either some hard times or poor choices are catching up to you. The first thing is look to a mortgage loan BROKER, not a bank.. A broker is going to work with a greater number of banks and lenders that will be able to offer you a mortgage if there is one available to you. There are loans out there up to 125% of your homes value that can be utilized in a refinance. However loans that high are often offered only to good credit high FICO score borrowers. IF you have not had a lot of lates since the Bankruptcy you might be in luck, however if you have had lates since.. you are really not in a good position to refinance. Antoher option is somehting called a "Short Sale" this is an option that you may know about from all the mailers you are getting from real estate agents and or investors that saw your home listed in forclosure... It is where you find a seller to your home, and the offer is presented to the lender (your real estate agent can do this) and the lender agrees to "forgive" the loan to whatever amount and sell the home for less than you currently owe.\n\nLet me tell you as someone in finance and mortgages this is one of the best options to you. Whatever the situation and however you got there, you want to walk away in the best situation you can. You bought a home once, and can again but don't let it go all the way to forclosure waiting for something magical to happen because it usually does not.. Sel it using a short sale and walk away from it without a forclosure.. It does not sound like you have any equity to lose and if you walk away without a forclosure on your credit and without the debt of mortgage balance on a home you longer own you will be in a better spot.\nOnce that is done you and your husband can focus on getting back on your feet. Best of luck to you!
892743
Legally you are in the right. \n\nYou really have 3 alternatives:\n\n1. File an action in civil court, where you request the court to force the seller to perform per the terms of the contract (force her to sell you the house).  This will take a long time and since you probably can't buy another in the meantime; the wait could put a big damper on your life.\n\n2. Move on and find another house that fits your needs.  Once you purchase this home you can assess the damages and sue the first seller for your losses IE. similar house but had to pay more money, moving twice, etc... \n\n3. Get the seller to refund you any out pocket expenses IE. appraisal, inspections. etc. and chalk it up to learning experience.\n\nDon't forget lawyers fees aren't cheap; so unless your talking big bucks in losses your probably better off licking your wounds & moving on. \n\nGood Luck
81332
Go to the local District courthouse, it shouldn’t be to difficult. Don't go to an attorney, its probably under $2000 you don’t want to give half of that away to an attorney do you?\n\nGranted, attorney's can be very helpful in situations, but in small legal situations such as this you can do it.\n\nAlso, have you just tried telling the property owner that if they dont pay up then serious legal action will occur, with potential severe legal penalties? That my scare them into coming up with your money.\n\nP.S. Don't take a check, cash or a cashiers check only.
510658
Raise the purchase price of the house by 15%. Write up the sales contract for the asking price plus the 15%, then in the purchase contact indicate that the seller will be doing a 15% second mortgage, you will have to include terms and monthly payment and supply that info to your bank because he will include the new payment in your monthly debt ratio (DTI). After close you have the seller hand you a satisfaction of lien document. You take that down to the court house in the county where you live and remove the second lien on the property. So how this works is the following:\n\nAppraisal = $120,000\nAsking price = $100,000\n15% of asking price = $15,000\nNew Purchase Price = $115,000\nBank loan (85% of purchase price) = $97,750\nseller second = $17,250\n\nYou can move the purchase price around if needed, you may want to also consider raising the purchase price enough to have the seller pay the closing costs as well! \n\nGood luck...
773834
What would you gain by selling it just to lose money and end up with a higher interest rate and no vehicle? Keep it and get a second job closer to home, or at least midway to the first one.  That way you can deduct on your income taxes the commuting expense from the first job to the second.  leastaways, you used to be able to do that... better check; the tax Nazis change these rules all the time.