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Questions tagged [mortgage]

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What are my rights if the bank misrepresented the mortgage contract at time of signing? Or broke other terms of the contract?

I'm having a very bad mortgage experience as a first time home buyer... I had believed that the term of the mortgage started on the house purchase closing date, when the funds are advanced. So I ...
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1answer
76 views

I bought a house with my mother she is not paying her half of the mortgage [closed]

I bought a house with my mother and both of our names are on the mortgage and she is not now paying her portion and we are almost a month behind. What can I do?
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1answer
99 views

Lawyer wants to withdraw - Chapter 13

My husband and I filed a chapter 13 about a year ago and recently paid it off 100%. I started reviewing our files after looking at online mortgage monthly statements because I couldn’t completely ...
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2answers
43 views

How to document mortgage payment arrangement with my partner?

My partner and I recently purchased a house. We split all expenses related to that purchase (down payment, homeowner's insurance, inspection costs, etc) exactly 50/50. Both of our names are on the ...
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0answers
124 views

Mom passes away 2015, Sister living in her house rent free

My mom passed 2015. My nieces and nephew [from 2nd sister] lived there and then they moved out in 2016 My older sister started living in my mom's house 2016. She sold her house in 7 days and moved ...
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1answer
26 views

Why was the Equity of Redemption = property worth — still owing mortgage debt? And not only the latter?

Source: Introduction to Law in Canada (2014). pp. 288 Bottom - 289 Top.   In simplified terms, a mortgage is a kind of charge against land that secures a debt owed by the landowner. The modern ...
0
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1answer
156 views

Am I obligated to pay for a room if I'm living with family?

I receive $750 in SSI, plus $130 in SNAP, and every year, they ask if I'm paying room rental. Then I have to sign an 801 form. As of recent, I haven't been able to pay my parents, who are head of the ...
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65 views

3 way mortgage, need judges decision to sorting out ownership

I bought house with partner (A) & friend (B). Partner (A) moved out after 1 year, (have document signing over their share to me) friend (B) lost job & moved out after 2 years. After 25 years ...
2
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1answer
63 views

UK: If brother acts as guarantor on mortgage, is he no longer classed as first time buyer?

If my brother acts as guarantor for my mortgage, but does not put his name on the house deeds, would he no longer be classed as a first-time-buyer? This is important because it makes a difference to ...
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2answers
43 views

How to proceed when there is no will/last testament?

The Situation: My best friend's mother (Grace) passed away on Monday. Grace told her sister Hope and her son that she had a will. We cannot locate it (at home, not filed with lawyer or the city). We ...
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1answer
2k views

Can I Rent My USDA Mortgaged Home Out?

Background: I purchased my home in Maryland on October 2015 with a USDA mortgage loan. I would now like to rent my home out and move because I'm getting a new job somewhere else in Maryland. I read ...
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0answers
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Selling someone a life estate in a house

I bought a property that has elderly tenants on it. They want to stay, but they can not afford to pay fair market value. For a bevy of reasons beyond the scope of this post, I don't want to be a ...
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1answer
684 views

Collateral and Property Rights

I'm not a legal professional or student, curiosity brought me here. I'm trying to figure out how ownership applies items that are financed, and to items that are used as collateral to obtain that ...
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2answers
36 views

Is a mortgage lender liable for missed tax credits?

I bought a house in Iowa in July 2016 and got a mortgage loan through a local lender. As part of the loan application, the lender applied for a tax credit program known as the 'Take Credit Mortgage ...
13
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2answers
5k views

Am I obligated to pay a mortgage if a region is annexed?

This is a hypothetical question. Suppose I buy a house and have a mortgage. Later, the region my house is in is annexed by another country. Let's assume also that the mortgage I took out is based in ...
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3answers
149 views

Can I purchase my parents home over time as a way to free up some cash for them

As my parents get older, their savings are dwindling, and SS is not enough money to keep bills at bay. They have the equity of their home, though. Rather than taking out a reverse mortgage, I'm ...
0
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1answer
126 views

Issues with taking unofficial money from girlfriend when paying mortgage

Country: The Netherlands Let's assume I have a girlfriend and want to buy an apartment. I take a mortgage completely on my own name and start living in the apartment with my girlfriend. Now I have ...
2
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1answer
76 views

Would anything prevent a mortgage fixed to a property, portable between people in the UK?

Normally UK mortgages are fixed to a person, but portable/transferable between properties. Disregarding the 80+% of flats which are leasehold with no share of the freehold, is there anything in law ...
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2answers
819 views

My co-borrower wants her name removed from a 5 year mortgage contract

Me and my sister in law bought a house. We asked her help to acquire the loan. She signed the mortgage loan for a 5 year contract, and we got the house. Me and my wife paid all the expenses and down ...