hello i don’t know what to do. i live in new york and bought my vacation house 2years ago in atlanta ga.I go there every summer or as much as i can but hired a landscaper to maintain the house.This house was paid in full and i paid my taxes. my landscaper told me he went over there over the weekend and he saw locks on the doors and gate (he goes about once a month).He said there was a note with a number to call we called today and they gave me the run around and gave me a number to a mortgage/loan company..(note that i said i paid my house full at closing) they kept saying they would get back to me but my landscaper said they cleaned out my whole house
i live in ny so i cant go there unless i really have to no one lives in that house
idk what to do can someone help me please i know im going to need a real estate attorney but idk any from atlanta GA
hello i don’t know what to do. i live in new york and bought my vacation house 2years ago in atlanta ga.I go there every summer or as much as i can but hired a landscaper to maintain the house.This house was paid in full and i paid my taxes. my landscaper told me he went over there over the weekend and he saw locks on the doors and gate (he goes about once a month).He said there was a note with a number to call we called today and they gave me the run around and gave me a number to a mortgage/loan company..(note that i said i paid my house full at closing) they kept saying they would get back to me but my landscaper said they cleaned out my whole house
i live in ny so i cant go there unless i really have to no one lives in that house
idk what to do can someone help me please i know im going to need a real estate attorney but idk any from atlanta
Hello, Id like to buy a home in the Atlanta area, and I have about 100K to put down on a home. I know this will help, but will it seal the deal? My wife passed and the home that we already own, it was in her name and left to me. I currently have a mortgage of 2800.00 a month through countrywide, and Id like to sale this home or rent it out. Since our home was in her name, is there anyway to get it in my name , or can i sale it even though its in her name? I know i cant get approved for a mortgage, and I have no job either my wife took care of us she financially set. I will be getting lots of money montly from her passing, and I will be making about 100K a year. How can I get this home sold and move to GA and buy a home? Im looking in the 250K range. Also has anyone ever heard of a bridge loan and how it works?
In 2009 I sent $ 3,500 to a loan modification company that was suppose to get my home loan modified. Unfortunately for me the company stole my money, went out of business and I never got my home loan modified.
Can I write off the money used to modify my loan? If so, where would it fall under on my 1040?
Thank you for all your help.
I am working overseas, I want to buy a house in Texas. Can I consider it to be a 2nd home and ask the mortgage company to give me interest as second home instead of calling it “investment property” ?
The interest rates and taxes for 2nd home is less than investment property.
It will be rented out till we come back to Texas.
I recently qualified for teacher 100% mortgage loan. Under the terms of the loan the seller will pay 6% of all closing/prepaid fees. If I qualified for 100,000 can I still purchase a home that is 98,000 or will that be too close to the 100,000. I guess my question is should I factor in taxes with the 98,000 or just the 98,000. Please help…I am very confused.
I’m in Nevada, and I have a equity line loan on my house. Can I write the interest off on my taxes?
When you sign the form for the tax transcipts, and a copy of transcripts are sent to the mortgage company, is it a full set of your taxes or just a transcript to match numbers and names?
bycliff1066™
On July 26, 2006 a tax lien was filed with the county court on a real estate property that my wife and her now ex-husband owned.
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They were going thru divorce and so my wife transfered ownership to her ex on June 28, 2005 (this is not reported in the divorce papers but I have the transfer of ownership letter my wife wrote). Her ex then sold the property on June 29, 2005.
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The town claims that the 2006 taxes billed and filed as a lien were my wife and her exe’s responsiblility and therefore the lien is accurately placed against them and not the new owners (who acutally were the ones that paid the taxes in full and owned the proerty in 2006).
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We have spoken with several people at the town office and they don’t understand that even though the tax lien has been paid in full it still is being reported to the credit bereaus and negatively effecting my wife’s credit scores. Not to mention that it should never have been placed against my wife.
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Back on July 21, 2007 her ex-husband received a letter (which we have a copy of) stating that the 2006 taxes have been paid in full and that “A discharge for the 2006 tax lien will be filed.” Now, ‘discharge’ does not mean ‘vacate’, correct? So having the town ‘discharge’ the tax lien isn’t enough to get it removed from her credit files, right? I just emailed the lady we’ve spoken with multiple times at the town office again. This needs to come off and they aren’t budging! The ONLY way to have this removed from her credit report is to have it vacated by the town, correct?
Hello Fellow credit seekers,
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I’ve mastered a lot of the concepts, however, I have a scenario that I need the Ol’ Vets to step in.
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First thing, I recently pulled my credit reports- 726 Experian, 665 Equifax, 659 Transunion.
I was a little surprised with the Experian and as we know that the Experian figures aren’t as accurate, but per my reports, Experian has no negatives whereas the other two do.
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So, here’s the scenario…and I’ve milked this as much as possible.
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Kinecta uses Experian, been with them for a year which looks good. However, they do require proof of income in which I haven’t filed for my taxes last year ( long story), so if they ask I can’t provide until I do them.Â
So, the score looks good, the debt ratio is good, time with bank is good, but no proof of income.
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Now, B of A…they use all credit reports. BTW I cross referenced every terminal so that I know all the common denominators, meaning, I usually get the info from the highest source before I make a determination.
Again, they use all credit report agencies, which he claimed that 680 is the mark…across the board, not an average. But I’m willing to do a secured card…so the scores aren’t AS important.
Since they are both my banks they claim it’s a soft hit. This I don’t know to be true.
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With those two scenarios which would you do? And why?
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I really think you need to put on your thinking cap?? And maybe I’m missing something and that’s why I come to the community…
Cheers