Mortgage question
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From: Poor in Maine
RE: Mortgage question
I essentially have "perfect" credit. I have never missed ANY payment on ANYTHING in my life. My credit score is great and it pisses me off to think this **** may **** up my many years of HARD work. i currently have an ad on CL for a roommate, its now a waiting game. Classic, this isnt a decision Ive made in one week, weve been apart for several months. I havent had a problem doing this alone, but now I see my bank account suffering bad and its BS. Why does she want to be off the mortgage? Because she doesnt live here and doesnt want anything to do with it.
I live in Maine, Anyone need a place to live???!!!
I live in Maine, Anyone need a place to live???!!!
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From: Modesto, California USA
RE: Mortgage question
btw.. I dont know if you have ever lived with friends.. but thats usually recipe for disaster.. or hard feelings. Maybe it can work for you but I have lived with a few friends and it always goes to ****. They always think *he'll understand if im late on rent, have loud parties, he wont care if I leave my **** out... thats my boy!!* Atleast if its someone you dont know you can have a contract and kick their *** out and not worry about a broken friendship
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RE: Mortgage question
ORIGINAL: DDCavi
I essentially have "perfect" credit. I have never missed ANY payment on ANYTHING in my life. My credit score is great and it pisses me off to think this **** may **** up my many years of HARD work. i currently have an ad on CL for a roommate, its now a waiting game. Classic, this isnt a decision Ive made in one week, weve been apart for several months. I havent had a problem doing this alone, but now I see my bank account suffering bad and its BS. Why does she want to be off the mortgage? Because she doesnt live here and doesnt want anything to do with it.
I live in Maine, Anyone need a place to live???!!!
I essentially have "perfect" credit. I have never missed ANY payment on ANYTHING in my life. My credit score is great and it pisses me off to think this **** may **** up my many years of HARD work. i currently have an ad on CL for a roommate, its now a waiting game. Classic, this isnt a decision Ive made in one week, weve been apart for several months. I havent had a problem doing this alone, but now I see my bank account suffering bad and its BS. Why does she want to be off the mortgage? Because she doesnt live here and doesnt want anything to do with it.
I live in Maine, Anyone need a place to live???!!!
You misread. I said:
What were her reasons for wanting to be on the mortgage in the first place?
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From: Poor in Maine
RE: Mortgage question
I have a 30 year mortgage and been here one year. Getting half paid is not an option. She can sign all the **** she wants, but it DOES NOT matter to the bank. They want their money.
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RE: Mortgage question
ORIGINAL: DDCavi
I have a 30 year mortgage and been here one year. Getting half paid is not an option. She can sign all the **** she wants, but it DOES NOT matter to the bank. They want their money.
I have a 30 year mortgage and been here one year. Getting half paid is not an option. She can sign all the **** she wants, but it DOES NOT matter to the bank. They want their money.
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RE: Mortgage question
ORIGINAL: ebinz88cane
btw.. I dont know if you have ever lived with friends.. but thats usually recipe for disaster.. or hard feelings. Maybe it can work for you but I have lived with a few friends and it always goes to ****. They always think *he'll understand if im late on rent, have loud parties, he wont care if I leave my **** out... thats my boy!!* Atleast if its someone you dont know you can have a contract and kick their *** out and not worry about a broken friendship
btw.. I dont know if you have ever lived with friends.. but thats usually recipe for disaster.. or hard feelings. Maybe it can work for you but I have lived with a few friends and it always goes to ****. They always think *he'll understand if im late on rent, have loud parties, he wont care if I leave my **** out... thats my boy!!* Atleast if its someone you dont know you can have a contract and kick their *** out and not worry about a broken friendship
Keep it on a business footing ...no mates or " mates rates " we call them....
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RE: Mortgage question
ORIGINAL: ebinz88cane
btw.. I dont know if you have ever lived with friends.. but thats usually recipe for disaster.. or hard feelings. Maybe it can work for you but I have lived with a few friends and it always goes to ****. They always think *he'll understand if im late on rent, have loud parties, he wont care if I leave my **** out... thats my boy!!* Atleast if its someone you dont know you can have a contract and kick their *** out and not worry about a broken friendship
btw.. I dont know if you have ever lived with friends.. but thats usually recipe for disaster.. or hard feelings. Maybe it can work for you but I have lived with a few friends and it always goes to ****. They always think *he'll understand if im late on rent, have loud parties, he wont care if I leave my **** out... thats my boy!!* Atleast if its someone you dont know you can have a contract and kick their *** out and not worry about a broken friendship
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RE: Mortgage question
ORIGINAL: Liquidpjear
The best thing for you to do in this situation is find a lawyer who will draw up papers for you saying that she forfeits any legal ownership of the house and have her sign them. Right now you are essentially paying 100% of the bills for 50% of the house. You could pay off the house and she could turn around and claim ownership or 50% of the sale of the house. With your financial situation you seem really stuck in the house, I would try to find some good roommates and hope for the best. Ultimately though its a pretty ****ty situation, and one of the many many reasons I will never get married and share property or financial liability.
EDIT:
She has the same obligation to pay as you do, if payments are missed or if the house goes into foreclosure it will reflect the same on both of your credit reports. You cant get her off the loan and out of liability without refinancing but to cover yourself you can have her forfeit her ownership rights.
The best thing for you to do in this situation is find a lawyer who will draw up papers for you saying that she forfeits any legal ownership of the house and have her sign them. Right now you are essentially paying 100% of the bills for 50% of the house. You could pay off the house and she could turn around and claim ownership or 50% of the sale of the house. With your financial situation you seem really stuck in the house, I would try to find some good roommates and hope for the best. Ultimately though its a pretty ****ty situation, and one of the many many reasons I will never get married and share property or financial liability.
EDIT:
ORIGINAL: DDCavi
I just need to know if she had to legally pay with me, but it doesnt seem as thats the case.
I just need to know if she had to legally pay with me, but it doesnt seem as thats the case.
Who's name is the title in ? .....what I mean is the actual property title?
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From: Poor in Maine
RE: Mortgage question
I have not and will not live with friends. For those exact reasons. Her reason for wanting to be one it? ****ed if I know, maybe she felt insecure and thought I was going to **** her over? Now shes basically ****ing me.
I am actively looking for a roommate. Its not easy though.
I am actively looking for a roommate. Its not easy though.