What Happens to Your Mortgage in a Divorce, Money, underwater mortgage help.#Underwater #mortgage #help


What Happens to Your Mortgage in a Divorce?

Divorce is a messy and emotional situation, and it can wreak havoc on your finances. One of the major assets that couples share is their home mortgage. Handling your mortgage correctly in the divorce will help you and your ex go your separate ways on the right foot financially.

1. Selling Is Often the Best Option

Your best option is usually to sell your home. This is easiest done if you have equity in the house, and the house can be sold and the profit split. Emotionally, selling will not always be the easiest, especially if you raised your children in that home or have other fond memories. From a financial and logical standpoint, selling the home and splitting the profit is the cleanest way to deal with the mortgage.

2. Decide if One Spouse Can Take Over the House Payments

If one spouse wants to keep the home, then they can refinance the home under their own name. In order to do this, they will need to qualify for the refinance with just their income.

It is not wise or advised to trust that your ex will make the mortgage payments. Even if your name s not on the deed, as far as the mortgage company is concerned, you and your ex spouse are both fully liable for the mortgage costs each month. Therefore, if your ex misses a payment, or if something happens to them, such as disability or death, you will still be held accountable for the payments.

Even if your ex is the most trustworthy person, having your name tied to that mortgage loan means that you will not be able to get another mortgage unless you have enough income to qualify for another mortgage. It might even prevent you from getting a place to rent, since many landlords want to be sure you have enough income to pay for the rental.

3. Should You Sign a Quitclaim Deed?

A quitclaim deed is a legal way to transfer interest of real property. Signing this deed means the person is forfeiting their claim and right to the property. Signing this deed in divorce gives the other party full rights to the home, but your name still remains on the mortgage. You will still be held accountable for any missed mortgage payments and your credit score will be affected.

Remember, the deed and mortgage are two different things, and the quitclaim deed cannot remove your name or responsibility from the mortgage.

Another important thing to know about quitclaim deeds is that if you sign one, you are forfeiting the right to sell and profit from your home sale. For example, say you sign a quitclaim deed because your ex wants to pay the mortgage, but cannot afford to refinance. Now that your name is off the deed of the home, your ex can sell or refinance the house any time and will not owe you anything.

4. When You Can t Afford to Sell

While selling the home is the cleanest solution, things get complicated when more is owed on the mortgage than the house is worth. Couples that cannot afford to sell the home during the divorce can try one of these three options.

Short Sell the Home

A short sale is a home sale in which the mortgage lender agrees to accept less than the full value of the property and cancel the debt. A short sale will negatively impact your credit score and it can have tax implications, as the debt cancellation offered by the lender is viewed by the IRS as income. (Note that a law passed in 2007, and subsequently extended through 2016, exempts debt cancellation income.)

Rent the Home

If both you and your ex can agree on renting the home out for a period of time, then you can delay the sale of your house until you have more equity. Renting does buy you time and prevents a short sale, but renting comes with a host of responsibilities which you ll share with your ex.

Continue to Live Together

This option is for only a select few couples who can live peacefully under the same roof. While the situation is not ideal, it can save both parties money, since it allows them to wait until the house market goes up.

5. What to Do When Things Get Complicated

Divorce can bring out the worst in people, and many times, an ex spouse will not be willing to sell the home or some other issue. This is why it is important to consult with a divorce attorney. A divorce attorney can help you understand your legal rights when it comes to the mortgage and protect you from doing something unwise.

It is a good idea not to finalize the divorce until your mortgage issues are settled. Be prepared to get court orders to make your ex remove your name off of the mortgage through selling or refinancing.

No one buys a house with their spouse with intent on getting a divorce. Unfortunately, these things happen. It is best to protect yourself and your assets by making decisions based on logic rather than emotions.


What Happens if You Default on a Second Mortgage, underwater mortgage help.#Underwater #mortgage #help


What Happens if You Default on a Second Mortgage?

If you, like many homeowners, have a second mortgage on your home that you are having difficulty paying, you may have wondered what would happen if you stopped paying it. That generally depends on the current value of your home and whether your mortgage is underwater.

A second mortgage is a loan secured by your home that is junior, or subordinate, to another loan called the first mortgage; the first mortgage is typically the original loan you used to purchase your home. A second mortgage may be a home equity line of credit (HELOC), a piggyback loan (in an 80/20 loan, the purchaser puts no money down, finances 80% of the purchase price with a first mortgage loan, and finances the remaining 20% with a junior piggyback loan), or any other loan secured by the home.

Whether a mortgage is first or second generally depends on when the loan was taken out and recorded, although that’s not always the case. A lender refinancing a first mortgage will typically require other lenders to subordinate their loans to the refinanced loan, even though the refinanced loan is the newest loan and would be the most junior loan without subordination agreements from the other lenders.

The position of a mortgage–whether the mortgage is first, second, or even third–is important because, in the event of a foreclosure, the proceeds of the foreclosure first go to repaying the most senior lender (the first mortgage holder), then to all other lenders in order of seniority. If there isn’t enough equity to pay back the second or third mortgage holders, those junior lenders are out of luck.

What Happens with a Second Mortgage Default?

If you can’t afford to make your monthly payments on both your first and second mortgages, you may be contemplating stopping payments on your second mortgage. (As a general rule, if you had to choose between paying your first or second mortgage, it’s always best to pay the first mortgage.) Whether the holder of your second mortgage will then foreclose depends primarily on the current value of your home.

If Your Mortgage is Not Underwater

If the value of your home is less than your outstanding mortgage debt, your mortgage is considered to be underwater. If your mortgage is underwater but the value of your home is greater than the amount you owe on your first mortgage, your second mortgage is partially secured.

If your mortgage is not underwater or your second mortgage is partially secured, and you stop paying your second mortgage, the holder of the second mortgage will likely foreclose because it stands to recover all or part of the money it loaned to you from the foreclosure. The greater the amount the junior lender stands to recover in a foreclosure, the greater the incentive the junior lender has to foreclose.

If Your Mortgage is Underwater

If the value of your home is less than the amount you owe on your first mortgage, your second mortgage is in essence an unsecured loan. What this means for you is that even if you stop paying your second mortgage, the holder of the second mortgage will probably not foreclose. Why? Because, in the event the junior lender forecloses, all the proceeds of the foreclosure sale will go to repaying the senior lender. The junior lender will have gone through the expense of foreclosing but will get no money out of it.

This doesn’t mean that the junior lender has no other remedy to recover the money it loaned to you. Even though foreclosure is not an option, the junior lender, being an unsecured lender, can sue you personally to recover the money. If the junior lender wins the lawsuit and gets a money judgment against you, the junior lender can garnish your wages, freeze your bank accounts, or place liens on other property you may own. (Bankruptcy may help reduce or cancel your obligation to repay an unsecured debt; see our section on Bankruptcy).

Stopping payment on your mortgage is a drastic step and is one you should take only after considering all other options. Your credit report will take a big hit, but if avoiding foreclosure and hanging on to your home is your top priority, it may be the right option for you.


About Us, Foreclosure Defense Nationwide – Mortgage Foreclosure Help – Free Advice, help with mortgage.#Help


Foreclosure Defense Nationwide Mortgage Foreclosure Help Free Advice

About Us

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Jeff is the founder of the Foreclosure Defense Nationwide (FDN) website and blog. His law practice is primarily oriented towards defense of foreclosure actions throughout the United States, with his Firm having represented victims of foreclosure and predatory lending practices with local counsel where required in the states of Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Vermont, Washington, Wisconsin, and Wyoming.

Jeff has been a member of the Florida Bar since 1988 and is also a member of the Colorado Bar, first admitted in 1990. Before concentrating full-time on foreclosure defense, he had been previously admitted to practice in several state courts, including the Superior Court for the State of New Jersey (Atlantic City); the Hennepin County Circuit Court (Minnesota); the Norfolk Superior Court (Commonwealth of Massachusetts); the Circuit Civil Court of Walker County, Alabama; and the Superior Court for the State of California (Orange County).

He is also admitted to several Federal Courts, including the United States District Court for the Southern and Middle Districts of Florida and the United States Courts of Appeals for the Third, Sixth, Tenth, and Eleventh Circuits. Jeff has been previously admitted to practice pro hac vice in the United States District Court for the District of Minnesota (Duluth); the United States District Court for the District of New Jersey (Newark); the United States District Court for the District of Wyoming; the United States Bankruptcy Court for the Northern District of California (San Jose Division); the United States District Court for the Northern District of Ohio (Eastern Division); the United States District Court for the District of Oregon (Portland Division); the United States Bankruptcy Court for the Western District of Washington; the United States District Court for the District of Hawaii; and the Federal Ninth Circuit Bankruptcy Appellate Panel. He is currently admitted to the United States District Court for the Middle District of Tennessee (Nashville Division) as well.

Jeff has been admitted pro hac vice to the Superior Court of New Jersey, Chancery Division (numerous counties, including Atlantic, Ocean, Monmouth, Morris, Glouster, Burlington, and Passaic); the Superior Court for the Commonwealth of Massachusetts (Plymouth); the Superior Court for Flathead County (Montana); the Superior Court of Coweta County (Georgia); the Superior Court of Washington (Ferry County); the District Court for Kootenai and Bonner Counties (Idaho); Hancock County Superior Court (Indiana); the Circuit Court for Cook County, Illinois; Iowa District Court (Greene County); Kern County Superior Court (California); San Bernadino County Superior Court (California); Washetenaw County (Michigan); Mahoning County (Ohio); Maricopa County Superior Court (Arizona); Pima County Superior Court (Arizona); the Hawaii First District Court (Honolulu); the Hawaii Second District Court (Maui); the Kenosha County Court (Wisconsin); the Superior Court for Washington County, Vermont; the Superior Court for Stamford/Norwalk, Connecticut; the Circuit Courts of Oregon (Clackamas, Multnomah, and Crook Counties); Oklahoma County District Court; and the Circuit Court of the 17th Judicial Circuit (Winnebago County, Illinois); all such admissions and applications being in connection with foreclosure defense litigation representing borrowers. Mr. Barnes does not represent any banks, lenders , servicers, trustees of securitized mortgage loan trusts, trustee sale companies, or any others who seek to foreclose.

He prevailed against MERS (Mortgage Electronic Registration Systems, Inc.) in the Supreme Courts of both Oregon and Montana in having those Courts declare that MERS is not the beneficiary of a Deed of Trust notwithstanding MERS claim that it is, and thus making the law on this issue in Oregon and Montana. As a direct result of Mr. Barnes efforts, all non-judicial foreclosures involving MERS in both Oregon and Montana stopped upon issuance of the Supreme Court decisions.

Jeff has spent over twenty-seven years litigating throughout the United States in the areas of business tort litigation, contract litigation, insurance litigation (coverage, claims, premium fraud defense, and Unfair and Deceptive Insurance Practices), fraud litigation, real estate litigation, and Administrative proceedings involving defense of chiropractors in disciplinary proceedings, and appeals in deportation proceedings following the enactment of the Illegal Immigration Reform and Responsibility Act. His practice includes both trials (jury and non-jury) and appeals at both the state and Federal levels, and opposing Proofs of Claim and Stay Relief Motions in Bankruptcy proceedings involving foreclosure issues. Jeff was also previously a Certified Mediator and Arbitrator certified by the Supreme Court of Florida, and also previously obtained status as a Qualified Neutral in the State of Minnesota.

After graduating from Franklin Marshall College in Lancaster, Pennsylvania with a degree in Experimental Psychology, Jeff obtained a Master of Science degree in Education and his Juris Doctor (law) degrees from the University of Miami (Florida). Between graduation from college and prior to law school, Jeff was a public and private school teacher in Miami, Florida, having taught elementary, junior, and senior high students, as well as serving as an assistant adjunct professor at Florida International University in the areas of Behavioral Science Statistics and Preventive Law to Master s and Doctoral candidates. While in law school, Jeff served as a prosecutor in the Office of the State Attorney in Miami, Florida, and was in charge of his own division where he conducted arraignments and trials on a daily basis.

FDN attorneys handle foreclosure defense matters in both judicial and non-judicial (trustee) jurisdictions and are affiliated with securitized trust auditors and investigators; mortgage loan auditors, certified fraud examiners, and paralegals who conduct a wide-ranging review of mortgage documents to ascertain any violations of Federal lending laws, loan tracking through securitizations, applicable insurances, and other issues. A mortgage loan examination or audit is strongly recommended for anyone seeking to defend a foreclosure action. FDN will provide contact information for an auditor or loan examiner upon request made through our Contact Us link.

FDN s local counsel network currently embraces forty-three (43) separate law Firms throughout the United States and continues to grow.


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Welcome To The Home Of The Most Competitive Houston Mortgage Rates!

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As one of the largest privately held residential mortgage lenders in the southwest we can help you find the perfect mortgage. We handle all real estate transactions giving you access to the most competitive mortgage rates from Houston, Dallas, Austin, Fort Worth, and San Antonio to all across Texas.

Over the last 15+ years we have helped countless individuals and families just like you secure the most competitive mortgage rates while offering sensible lending programs. Those who have worked with us have been able to hold onto their slice of the American Dream and enjoy financial security with peace of mind.

Shopping for a new home? Contact us today for a no obligation quote and get pre-qualified for a Houston home loan so that you can shop with confidence knowing that your financing is already in place. Call us today to speak to one of our loan originator who can lock in your low rate Houston mortgage.

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Regardless of whether you are buying or refinancing a new residence, second home or an investment property you will find no where better to get the most competitive Houston mortgage rates than right here a NRL Mortgage. Contact us today for a no obligation, and personalized quote. We are just an email or phone call away.

As one of the largest privately held residential mortgage lenders in the southwest we can help you find the perfect mortgage. We handle all real estate transactions giving you access to the most competitive mortgage rates from Houston, Dallas, Austin, Fort Worth, and San Antonio to all across Texas.

Over the last 10+ years we have helped countless individuals and families just like you secure the most competitive mortgage rates while offering sensible lending programs. Those who have worked with us have been able to hold onto their slice of the American Dream and enjoy financial security with peace of mind.

Shopping for a new home? Contact us today for a no obligation quote and get pre-qualified for a Texas home loan so that you can shop with confidence knowing that your financing is already in place.

Call us today to speak to one of our loan originator who can lock in your low rate Texas mortgage.

Already own the home of your dreams and just want to lower your payments or access your equity? Let one of our Texas loan originators lower your monthly payments so you can manage your home equity to deal with life’s demands.

Regardless of whether you are buying or refinancing a new residence, second home or an investment property you will find nowhere better to get the most competitive Texas mortgage rates than right here a NRL Mortgage. Contact us today for a no obligation, personalized quote. We are just an email or phone call away.


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Finding the Ideal Mortgage Loan for You : Excel Mortgage Corp. USA can help

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It can be a big task to buy a new home or refinance your mortgage. You can count on us to help you find the loan program that’s right for you. We have a team of mortgage experts to help you with this major financial decision. For guidance in selecting the ideal loan program for you, feel free to contact us at (610)647-5454.

While purchasing a new house might seem stressful, it will also bring a great feeling of achievement. You picked the home that was best for you — not for anyone else! Our trusted professionals can help you decide on the mortgage loan that best fits your situation, too. Getting the ideal mortgage loan can be as gratifying as receiving the keys to your new house! We can show you how to make it happen. Call us at (610) 647-5454.

About Refinancing

If you are worried that refinancing means becoming a high risk for multiple paper-cuts, you’ve got another “think” coming! Let us show you a headache-free process from application to closing with our “Less paperwork and more individual service” promise. If you are interested in reducing your interest rate and monthly payment, we will simplify the process for you and eliminate your worries. If you’d like to pay down your balance faster for a comparable monthly payment, we can help. Let our professionals guide you to the ideal refinance loan! We are ready to show you how: (610) 647-5454.

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Excel Mortgage Corp. USA ‘s service pledge

Our mortgage experts will give you the personal attention you deserve and treat you right. We know the big commitment you are making in purchasing a house, refinancing a mortgage, or cashing out your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the perfect mortgage loan for you.

Getting started

Feel free to explore this website to learn about us, how we can help you, and how simple it will be to begin. Or, you can call one of our mortgage mortgage experts at (610) 647-5454. We are here to help you any way we can.

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Lift Mortgage – Low-cost Initiative for First Time Buyers, government mortgage help.#Government #mortgage #help


Low-cost Initiative for First Time Buyers (LIFT)

A Scottish Government initiative to help households to get onto the housing ladder.

What does LIFT cover?

There are now several ways of getting help to buy properties under this initiative.

New Supply Shared Equity Scheme (NSSE).

This scheme allows first time buyers to purchase new build properties from either a builder or from a Housing Association or a Housing Cooperative. Effectively the government helps funding these organisations by supporting buyers. There are a number of projects currently available. See links below

New Supply Shared Equity Developers Trial and Developers Scheme

These two schemes are very similar but involve sales by private builders who have been approved by the government. It is important to note that where a private developer is involved in the sale the interest free loans provided to the buyer by the government and\or the developer are expected to be repaid by the buyers within ten years. Of course the loans can be repaid on a sale of the property or by remortgaging. In cases of hardship the ten year period may be extended.

For developments currently available to buyers using either of these schemes see links below

Open Market Shared Equity

This scheme allows purchases on the open market by any seller, not simply from housing associations or from builders. In theory therefore potentially many more properties could be bought. Now any credit worthy first time buyers can apply to this scheme. Previous limitations on who could apply have been removed. In addition the Scottish Government has provided significant extra funds to increase take up so rationing of funds is less likely now. More applicants can be accommodated

The scheme requires buyers to take a stake of between 60 and 90 per cent with the balance being a government loan provided through a social landlord. The social landlord assesses all applications on behalf of the government. Purchase price limits are set under this scheme so that starter homes can be bought. The low deposit buying LIFT scheme is intended to energise this section of the market by assisting first time buyers. The threshold price limits can be seen for the various areas of Scotland by clicking on the links below.

Shared Ownership

This is a separate scheme where buyers buy a part share of a property and pay a rental for the unpurchased portion. This scheme is being phased out and only a few remaining properties can be part purchased in this way. For the properties remaining see links below.

East Region (includes Edinburgh, Fife, Lothian, Borders, Angus, Perth Kinross, Stirling)

North Region (includes Highlands Islands, Grampian) .

Low deposit buying is designed for first time buyers and Lift applications must be coordinated with obtaining mortgages. It is therefore a process which needs to be completed with care. For a free consultation on any of the process with an experienced consultant please call the number below.

There are only a limited amount of lenders providing mortgages and generally they require a deposit of 5% of the clients share.

However. subject to status it may be possible to obtain a LIFT mortgage where no or a lesser deposit required. This is strictly subject to lender criteria and applicant status.

Call Today

This website is solely operated and run by Caesar Howie The Central Scotland Law Group. It is in no way linked to or endorsed by the Scottish Government


NRL Mortgage, mortgage help programs.#Mortgage #help #programs


713-590-9070

Mortgage help programs

Mortgage help programs

FHA Loans

An FHA Mortgage Loans Offers:

  • A Lower Down Payment
  • Easier Credit Qualifying
  • Lower Costing Cost

Refinance Loans

  • Learn About Refinancing
  • Get Refinance Tips Advice
  • Refinance Calculators

Mortgage help programs

Welcome To The Home Of The Most Competitive Houston Mortgage Rates!

Let Us Find The Perfect Mortgage For You!

As one of the largest privately held residential mortgage lenders in the southwest we can help you find the perfect mortgage. We handle all real estate transactions giving you access to the most competitive mortgage rates from Houston, Dallas, Austin, Fort Worth, and San Antonio to all across Texas.

Over the last 15+ years we have helped countless individuals and families just like you secure the most competitive mortgage rates while offering sensible lending programs. Those who have worked with us have been able to hold onto their slice of the American Dream and enjoy financial security with peace of mind.

Shopping for a new home? Contact us today for a no obligation quote and get pre-qualified for a Houston home loan so that you can shop with confidence knowing that your financing is already in place. Call us today to speak to one of our loan originator who can lock in your low rate Houston mortgage.

Already own the home of your dreams and just want to lower your payments or access your equity? Let one of our Texas loan originators lower your monthly payments, so you can manage your home equity to deal with life’s demands.

Regardless of whether you are buying or refinancing a new residence, second home or an investment property you will find no where better to get the most competitive Houston mortgage rates than right here a NRL Mortgage. Contact us today for a no obligation, and personalized quote. We are just an email or phone call away.

As one of the largest privately held residential mortgage lenders in the southwest we can help you find the perfect mortgage. We handle all real estate transactions giving you access to the most competitive mortgage rates from Houston, Dallas, Austin, Fort Worth, and San Antonio to all across Texas.

Over the last 10+ years we have helped countless individuals and families just like you secure the most competitive mortgage rates while offering sensible lending programs. Those who have worked with us have been able to hold onto their slice of the American Dream and enjoy financial security with peace of mind.

Shopping for a new home? Contact us today for a no obligation quote and get pre-qualified for a Texas home loan so that you can shop with confidence knowing that your financing is already in place.

Call us today to speak to one of our loan originator who can lock in your low rate Texas mortgage.

Already own the home of your dreams and just want to lower your payments or access your equity? Let one of our Texas loan originators lower your monthly payments so you can manage your home equity to deal with life’s demands.

Regardless of whether you are buying or refinancing a new residence, second home or an investment property you will find nowhere better to get the most competitive Texas mortgage rates than right here a NRL Mortgage. Contact us today for a no obligation, personalized quote. We are just an email or phone call away.


Welcome to, government mortgage help.#Government #mortgage #help


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