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State California
Legal status âś…
Allowed (Our partner lenders provide payments in California)
Loan amount limit  $255 if maximum fee charged ($300 maximum check)
Loan terms Max: 31 days
Finance rates 15% of check
Finance charges $17.65
Maximum APR (Annual percentage rate) 459%

11623 Cherry Avenue No. B4, Fontana, CA 92337

California

Fontana

1295 North Euclid Street, Fullerton, CA 92835

California

Fullerton

82227 Us Highway 111, Indio, CA 92201

California

Indio

1450 Olive Drive No. A, Bakersfield, CA 93308

California

Bakersfield

1460 7th Street No. A, Oakland, CA 94607

California

Oakland

1955 41st Avenue No. B8, Capitola, CA 95010

California

Capitola

3276 Adeline Street, Berkeley, CA 94703

California

Berkeley

100 North Raymond Avenue, Fullerton, CA 92831

California

Fullerton

134 W Base Line Road, Rialto, CA 92376

California

Rialto

836 N Santa Fe Avenue No. A, Vista, CA 92083

California

Vista


Frequently asked questions about california loan

  • FHA Loan Limits by State and County can be found on the HUD website https://entp.hud.gov/idapp/html/hicost1.cfm High cost area limits are subject to a ceiling based on a percent of the Freddie Mac Loan limits The ceilings are currently: One-family..Two-family..Three-family..... $362,790.....$464,449...$561,411......... The current basic standard mortgage limits for FHA insured loans are: One-family..Two-family..Three-family..... $200,160.....$256,248....$309,744........
  • Conforming is still $417K...however, anything over that is dependent on your LTV. City or county only has bearing on the max LTV the bank will lend.
  • May be this site can help you http://www.thetechnology.net
  • Best is 15 year fixed then 30 year fixed with 5 year balloon (not an adjustable) next is 30 year fixed. All other types are losers. ARM's which start with a low payment and go up every 6 months./
  • fha, private, va and cal vet
  • I advise you to double check the laws of California as their laws are different. Each state has their own laws.
  • It depends on where you work. Some banks do not require their loan processors to have a real estate license. Some do.
  • Pain, lots of Pain. It use to be easy to get a loan in CA. Now it is just pain. I have been a mortgage broker in Ca for 24 years and it has never been this hard to qualify and close a home loan. Just expect lots of torture and asking for, in minute detail, all your income, savings, and credit information.
  • Not unless we know a lot more than you have posted here, like your credit scores, price range, income etc...
  • California has a lot of illegals that do not contribute. Their children go to school and they use the health care system without contributing. It's simple economics, when you use more than you put in, you run out quickly.
  • The entire US needs a 7 bil dollar loan. They dont NEED it, it's the economy that needs it. Taxes just cover a small portion of the necessities, not including the economy. THat's a separate issue the gov't has to deal with!
  • Like Washington, greed and corruption are ubiquitous in CA. And, because the legislature has a majority of liberal Democrats, who have a spending problem, and who, for some reason, are trying to bankrupt the state CA is in BIG financial trouble. Sadly, they are succeeding. If you live in CA write your state Senator and Representative and let them know how you feel! CA is going the way of the Federal government which also has a liberal democrat majority. PIGS one and all!
  • why not at lease the money would be kepted in america...I wonder if the house would plzzzzzzzz give me a million
  • That is how are government works lets spend more then we take in.
  • " I will be Back" on that one!! another example of republican policies in California and how America is superficial on electing candidates without substance vote wise Obama/Biden 08 source ex-republican
  • Your original purchase one is. However, the state demands income tax on the amount you pocket (feds do not). If you modified or refinanced your loan, or obtained any equity loans those are all full recourse.
  • Government loans usually have a repayment period of 10 years. Payments depend on how much your borrowed. So it will vary from case to case.
  • I liked the two. I did good in extreme college and faculty. I had extremely countless friends at the two. extreme college grow to be loose for me, so I bypass over that. I had a scholarship to school so training grow to be loose, yet I had to pay for books. The books are frequently extreme priced. In college you on the on the spot are no longer in college all day and could make your guy or woman schedule, so as which you have have been given beyond accepted time to spend on diverse non college themes. I had good instructors in the two extreme college and faculty. I had to learn plenty much less in college, because of the fact i did no longer have 7 training precise away like i extreme college. yet it is by using the fact I took not greater suitable than 4 at a time. you could go with in case you bypass finished time or section time too.
  • I loaned a substantial amount of money (^ $10,000) to a friend to help his business (an LLC). We have a legally binding contract with a specific repayment date. The business is in California. He refuses to repay by always delaying. What are my legal options? Will I ever see my money again? Would this be considered fraud?
  • speak with an attorney he or she can advise on your options.If u r in a legally binding contract then I would assume that he would have to repay u the money that u loaned him for his business.I would be safe to say that if u pursue it that's a high probability that u will see ur money again.Might help to read up on llc which are limited liability companies and ur local laws pertaining to ur issue.
  • If the note is due, sue him. Hopefully he is personally liable and the note mentions your attorney fees.
  • So far the Better Business Bureau has not found a legitimate company. Verify any company with them first.
  • One that doesn't ask you for an up front fee. Are you behind on your mortgage? Most lenders won't talk to you unless you are 2 mos in arrears. Call the lender and speak to the loss mitigation dept. Never pay a modification company an up front fee, that is a red flag that they are a scam.
  • it fairly is real. It does variety from $a million,500 to $3,500 yet there are distinctive tiers of provider. the single I artwork with has a strolling equipment with one-on one lawyer consultation, CPA, forensic loan rfile overview and alter, possible alleviation in central and it fairly is all in writing. so a approaches as refunds each and every thing yet approximately $3 hundred..it fairly is all commonplace prematurely and valid. No no longer ordinary promoting to customer only to the lender. there's a form on the positioning under to start. No distinctive promoting of your counsel. invoice
  • I searched a lot of companies and found the best one to be Loan modus they can help people in California even though they are located in Nevada. They have free Pre-Qualifications, and have a legal negotiating team. Their web site is: http://tiny.cc/Ced3d
  • This is not going to happen. You will have to pay cash, no one will lend you money under those conditions.
  • Won't work for a multi-unit property. In fact, you can't even get a no doc loan for residential any more. But at least with residential, you can find 100% owner financing. With commercial, you'll be expected to put 15%-20% down. You may be able to find commercial properties with owner financing, but they'll want information on you; you're not going to get a no doc on a commercial property, either from an owner or a lender. Besides, from your question it really appears you're not too familiar with commercial properties. Study up on them a bit; it's not like buying residential.
  • you will desire to are transforming into pre-authorized for a private loan earlier you even all started looking. lease can't continually be relied upon. possibly you have a chief factors and could be fortunate with tenants that usually pay on time and save the placement in solid shape. yet what if the tenants do no longer pay their lease, party it up, trash the placement, and flow away? How lots are your individual residing expenditures or do you reside along with your mothers and fathers? How long would desire to you get by skill of in case you had no renter for some months? i comprehend i could no longer arise with the money for $2900/month lease, much less that lots "greater suitable" in step with month. And no place is unquestionably upkeep unfastened, so ultimately you will desire money for upkeep.
  • I'd be surprised if you can find a no-doc lender.
  • In California limited civil court you can sue for $25,000. Waive $500 and sue in California small claims court, he will not be represented by an attorney either. */End of Line.
  • I'm not sure where the previous poster sees an 8G loss. Sue in civil court, and take the $500 hit. Just rememebr there may be a statute which may bar any case anyway. You should look into that, and if you could get him to admit the debt then the statute starts fresh. Also if he has good credit, you could just hand it to a collection agency and go that way, its upto you. But yes if you sue for $7500 you have to give the other $500 up. But if he even pays you $1, the debt is starting fresh.
  • You don't need an lawyer in small claims court. You will only be able to get the maxium allowance, in this case, you could be out 500 bucks. However, because there is nothing signed, it comes down to your word against his. So, it is up to the judge to determine who is more credible, why you waited 4 years to bring this forward. Its up to you to prove your case, so you need to show any and all proof of payment (if there have been any) in addition to your bank statement. You also need to show that you've tried to collect on this by bringing in any certified copies of mail you have sent, copys of phone bills to prove you tried to call, anything. You might walk out of there and be out 8000 bucks if you can't prove it.
  • Find a lawyer that is willing to sue on a contingency basis and take a 2500 loss instead of an 8000 loss.... They're not your friends.
  • check out california's law codes, the site will also give you info on laws for the merits of the case, not just filing. Search the site for such things as, "claim for damages". the headings below are statute code numbers on the CA government site for filing your claim, i just copied and pasted from this page on their site, see the source below. Claims can probably be filed in your state's civil superior court if they do not fit into the amount allowed in small claims, Cali may have a forms packet for any of it at the courthouse. Civil doesn't mean small claims, it just means, it is not criminal court. If an atty sues on this, likely he will not ask anything up front, but if you win, the other losing side pays his fees. sweet huh? only, if you lose, YOU pay him . If you are eligible, in many states you can defer your filing fees by applying for it. then you pay monthly installments for the court costs of filing fees etc. The procedure laws are the ones that tell you how to go about filing etc. The other statutes tell you what the laws allow in terms of the merits and possibilities of your case. then if you do win, you could possibly end up garnishing your friends car or paycheck.....! 2. CODE OF CIVIL PROCEDURE SECTION 484.010-484.110 : 13791 bytes. 3. CODE OF CIVIL PROCEDURE SECTION 720.210-720.290 : 9556 bytes. 4. CODE OF CIVIL PROCEDURE SECTION 720.110-720.170 : 6585 bytes. 5. CODE OF CIVIL PROCEDURE SECTION 425.10-425.18 : 23220 bytes. 6. CODE OF CIVIL PROCEDURE SECTION 116.310-116.390 : 10367 bytes. 7. CODE OF CIVIL PROCEDURE SECTION 708.710-708.795 : 27313 bytes. 8. CODE OF CIVIL PROCEDURE SECTION 703.510-703.610 : 8366 bytes. 9. CODE OF CIVIL PROCEDURE SECTION 706.100-706.109 : 15434 bytes. 10. CODE OF CIVIL PROCEDURE SECTION 116.210-116.270 : you could search for any of this, click on the source link below. use the page's search feature to find your statutes.
  • I would seriously doubt it. If he is licensed, he should check with the state licensing board. Either way he should also talk with an attorney. If he does that, he will probably be the only one to pay a penalty if caught. So, no one he is working for will really care provided they "don't know" and he will be hung out to dry. Look up the state licensing website for mortgage brokers. I would be shocked if he were allowed to work for more than one company on a commission basis. Hope that helps some - but he needs to investigate more thoroughly! Joe...
  • It is not that simple - you must qualify to get a VA loan - it is not just handed out on the simple basis that you're a veteran
  • i imagine imisidro has tremendous suggestion about provides you -- she's the #a million Answerer contained in the corporate & Finance section. so a ways as CA particular... * Small company commence-up kit for California by utilising Peri Pakroo, Barbara Kate Repa * the thanks to commence a company in California by utilising Entrepreneur Press wish that helps! I wish you a lot fulfillment & happiness in all of your ventures!
  • If this is a question it should start with Do you need a license or Does sellign mortgage loans **am I the only one who watched conjunction junction on saturday mornings???
  • yes, if your a mortgage broker, you need a real estate license. If you work for a lending corporation, WAMU, BofA, Countrywide, or some of the larger mortgage bankers you don't have to have a license.
  • I have been in my Condo in Southern California for 2 years. Plan on staying for at least 3-5 years, maybe more. Might even rent it out in the future Loan Balance = $515,000 current rate = 5.375% re-finance rate = $4.875 closing cost = $3,285 plus appraisal savings per month = $254 Paid $665,000 Appraised in December at $680,000 Is it worth it? Thanks,
  • Well, you would need to be there for 13 months to realize any savings from the refi...so it makes sense with your 2-5 year timeline. HOWEVER, know that the second you do a refi....your primary mortgage becomes a full recourse loan in CA, even though CA is a non-recourse state.
  • No, under CA law, assets and debts acquired pre-marriage are not the responsibility of the new marriage partner unless both parties are on the loan.... however, if the debt is credit card debt and the spouse is permitted to use that card, then the debt becomes joint debt. ... Also, if the debt is refinanced after marriage, it also becomes joint debt.
  • either one or both of them had the loan before marriage, and: the loan was use to improve the parties (husband & wife) conjugal home or it was use for the benefit of the family (husband & wife and kids) then it is conjugal....i think its the same in all countries....?
  • For federal aid, the school must be on the FAFSA list. I suppose you could get a private loan. Contact the school in the Philippines you wish to attend. Go to their website and see what you can find.
  • i am not sure of the answer to this, but IGNORE all of the vultures that have posted abpve this answer. these are the type of scum that you most definitely DO NOT want to deal with. ask your school counselor or Career advisor.
  • Yes, and so do other assorted Usury laws. Unless you read the entire article which mentioned "Building and Loan Association Act," approved May 5, 1931 and other exceptions.
  • 2
  • sophisticated thing. look using google and yahoo. just that will help!
  • Read the loan documents. Generally non-recourse instruments must expressly state they are non-recourse.
  • i'm not in CA but i would assume that a home equity line of credit will have recourse because you are securing the loan with the equity in the house
  • 4-years. After reading OC1999's response it occurred to me he might be right about the bank being in California and you living in some other State. Luckily the link I posted in the source box will show you the S.O.L. for every State in the nation.
  • There is NO limitations on trying to collect on the debt. That is they can attempt to come after you until it is paid off. However, there is an SOL for when they can still prevail in court and have a judgment put against you. For that it is 4 years in CA. Now if only the bank is in CA and you signed the contract or live in another state that is the SOL that matters and not where the bank is located.
  • There are none. Even if the vehicle has been repossessed and resold you are still liable for the loan.
  • 10 yrs
  • Contact a Title company they would be able to direct you. Also title companies look for roving notaries. There is a course for escrows offered by the department of real estate you find that out by going to www.dre.ca.gov you can also try www.car.org for the California Association of Realtors. Good luck
  • It is still possible...you can go stated. I would need to know a few question though... Do you have assets? What do you do for living? What is the LTV? Is it a purchase or a refinance?
  • Yes, you can get a loan and the same as full doc or w2. You need to have your tax records for last two years. 12 months of bank statements. Originals if possible. If you have uber credit like 750 or above. Than sometimes the above is not needed. Happy Living!
  • suited is 15 365 days fastened then 30 365 days fastened with 5 365 days balloon (no longer an adjustable) next is 30 365 days fastened. All different varieties are losers. ARM's which initiate with a low priced and flow up each 6 months./
  • getting qualified on just great credit alone is possible, but a lot of that is going to depend on what sort of down payment you are going to have, just how "great" your great credit is. and a few other things of that nature. if you want to explain more and get a much better answer feel free to give a hollar.
  • 100% --- there is no set limit. Typically you will not seem them start higher then 25%. however, if you late with payments or do not follow certain guidelines of your loan you can raised up to 40% believe it or not. Typically if you have credit score over 600 you should not be paying over 15-17% for any loan. And if thats what you are being quoted then you should shop around.
  • I don't know about any time limit but it is their responsibility to pay off the trade. The only time they wouldn't pay it off is if the car deal was held because of financing and that is not the case, here. If I were you, I would go to the dealership (don't bother to call) and ask for the sales manager. Tell him that your trade in has not been paid off and per the agreement, it was to be paid of by them and that you have made one payment on that loan. When the finance person called to get a payoff on your loan, they were given the balance and now that you have made one payment, that balance is now lower. You should expect to be reimbursed for your payment. The next thing to do is send copies of your contract to your finance company stating that the dealership has purchased your vehicle and has agreed to payoff your loan. Somewhere in your paperwork, you should have something that you signed stating that you traded the vehicle in.
  • 1
  • Correct me if I'm wrong...I haven't look into this recently. But I do recall a few years ago when California was (surprise) in a budget crisis and they wanted to sell a bunch of bonds to get out? Anyway, they said at the time the major problem was the huge amount of required spending due to spending mandates voted on through proposals. The educational spending is mandated and can't be changed, along with tons of other silly stuff. I recall they said about 1/3 of the budget was due to these mandates. California, being the extremely liberal, money spending group they are, can get themselves out of this mess without sticking their hands into MY pocket.
  • They overspend on education. Out of 128 billion they collect in taxes, they spend 60 billion on education. Drop out rate is high so I dont know what these schools are wasting their money on. I say cut education by 10 billion and then we are ok again. They spend 3 times more on k-12 than on higher education in CA and its the k-12 that has a 20-50% dropout rate depending on your area and nationality. I say cut that budget 20-50% until those kids are not dropping out. Im sure if teachers knew if their paychecks were going to be affected if kids dropped out, they would care more, keep the kids in school, so kids could get better jobs, and pay more taxes so we could afford 60 billion in education, but now we cant afford it.
  • Hello everyone, My name is Petty Ken. I am from United State of American, for the past 5years now I have been experiencing breakdown in my furniture’s business that was down by bank and montages, Not until I came across this God fearing Man called, Mr. Michael Lancer Loan Firm on the internet who grant me a loan $150,000 3days back to start up my business again with just 3% my business came back alive, I am doing very perfect in my business. Please I want you all to help thank this God Fearing man with sympathy mind. micheallancerloanfirm@ymail.com, micheallancerloanfirm@hotmail.com
  • No. Stupid is not criminal.
  • Since a payday loan is secured by a check that you write when you take out the loan, you apparently bounced three checks to the loan companies. It's possible that they have turned you in for check fraud. (You should check with the court in your area to determine if you have an outstanding warrant.)
  • I doubt it, they are trying to scare you into paying them. But you need to settle the debt with them.
  • Depends on what you mean by loan sharking. Usury is charging a greater amount of interest than is allowed by law. If someone is charging usurious interest, you don't have to pay and your contract to pay that interest is void. If someone is threatening you if you don't pay usurious interest, that is extortion and that is a crime that should be reported to the police. The amount of loan wouldn't be relevant, but the actions and threats made are. You need proof that threats and actions were made.
  • get a no doc loan. Income and employment will not be verified, in fact they are not even put on the application
  • I am not sure about California with such a ridiculously over-priced housing market. I live in Florida and purchased a house last October in a highly desirable subdivision without any income verification, much less, work history. It has never been easier to buy a home with the market glutted as it is now. My best suggestion would be to try getting your mortgage through a broker or, if you are member of credit union and have good credit, you will find them very accommodating. Also, I was just in the SF Bay area, and was astonished to learn that a 4/3 fixer-upper starts around 1.25MM. By contrast, here in Ormond Beach, that kind of money will put you in a new home on the Intracoastal Waterway or on the Beach. You could also get a really sweet 4/3 spread on a golf course for under $400M. Good Luck!
  • You could get a loan just stated, since you don't have job history.....I can help you with any question you have please e-mail... jjimenez@loans4latinos.com. My name is Jessica
  • They give loans, but you should go to the credit union first, they will not only treat you better you will get a better loan.
  • I agree that you should talk to your credit union first, but when you do make copies of the financial records that they ask for. A nasty habit of financial institutions is to keep your records until you sign with them so that you can't talk to anyone else, so never give out your only copy. After you talk to the credit union talk to a mortgage broker and B of A about getting a better deal. I personally went this route and B of A bought my mortgage from the company that gave it to me. I still had the same terms, but the payments went to B of A instead.
  • Loans are readily available if your meet the credit requirements. So if your credit is in as good as shape as you claim, and you don't have any derogatory debt, you should be good to go with BoA or any other lender for that matter. In fact if I were you, I would investigate a loan through your credit union first.
  • A lot depends upon the zoning. Commercial land usually has variable rate loans based upon prime. For residential zoned land, long term fixed rate loans are available, but they may not be a good idea.
  • may be possible. depending on how your credit is, fixed are always possible.
  • Any classes I need to take? Do I need a license? It seems that all the mortgage companies these days are requesting experiance more than 1 or 2 years. I don't have that, but, I am willing to learn. Should I work at a bank for starters? Please let me know. I really am stuck here, don't know where to start.
  • Most loan officers have a four year degree in business.
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  • Not through your auto agent, but through the finance company at the time you take out the loan. It's not true "insurance" though, so come payment time, there's no guarantee the company will be solvent enough to pay. AND, no companies will add gap coverage to cover an additional amount financed - like if you were upside down on the old care and traded it in, and they added $5,000 to the new finance agreement to cover the difference. That's still going to be out of your pocket.
  • 1
  • UBoC http://www.uboc.com/personal/main/0,,248...
  • The best place to buy GAP coverage is the dealership at the time of purchase. In fact, you probably have it, often it will be added into the purchase price of the vehicle and most of us don't remember buying it. Call the dealership and ask if you already have it.
  • The best place to buy GAP coverage is the dealership at the time of purchase
  • If you got sqauatters I am not sure I would buy the land until they have been cleared off. Depending on how long they have been there you could spend a great deal of money getting them off. In California they have rights even if its your property. I would negotiate with the current owner to have them evicted as a contingency on the sale.
  • It is conceivable if you do not exceed the FHA loan limits and the home is in lendable condition as is. You need to have an executed purchase agreement and enough time to close. So, if you get a full conditional approval pending the contract, title and appraisal, it should not be a big deal. Good luck.
  • They dont give loans on something that MIGHT happen..... Wait it out....
  • TV advertises JB Wentworth all the time. Try them?
  • If the loans are secured by the property (such as a 2nd mortgage or even a home equity loan) and the previous owner has defaulted on those loans, then those loans must be paid off or refinanced in your name before you have clear title to the property.
  • You are not giving enough information in your question. If you bought the home, and THEN found out later that there were liens on the property that you had not previously known about, then you may be liable. There is an exception though. When you bought the home, you paid into something called "TITLE INSURANCE". Title insurance is an actual insurance policy that protects against any liens that would have been on the property at the time you bought the property. However, they would not cover for liens (mortgages) that YOU have placed on the property, only liens that would have been there at the time of purchase. You need to call the title company, or the attorney who took care of your title work and talk to them about this and let them investigate it. If they find that there were liens on the property THAT THEY MISSED at the time of purchase, then THEY, the title company would be liable to pay them. Now, if you bought the home with cash and you did not get title insurance, then you are absolutely liable for these liens. Good luck!
  • No I don't think so ask a Realtor they'll be able 2 tell U
  • Is there a loan that exists in California (community property state) that will allow me to apply on my own without considering my husband's debt? Even a "Non-Purchasing Spouse" on an FHA loan has their debt added to the buyer. Looking for serious answers only from a professional in this field. Thanks!
  • You will need to go non-fha.
  • Here, try those websites: http://www.chattelmortgage.net/Californi...http://www.financialservicesunlimited.co...http://camhf.com/
  • We have horrible credit. (575 &560). We have 2 disabled children and as the children are getting older we are realizing it will be nearly impossible to live In a home we cannot make handicap accessible. So we are hoping to buy in the near future. We do have a 20, 000 saved for a down payment. I know families that have gotten help in other states but I havent been able to find anything in California.
  • We do not qualify for IHSS. We have already tried. I do not have any credit to repair. I have no credit thats why my score is so low. I have 2 credit cards on the way. 1 visa with 300. Limit and I Victorias Secret for 500. Will using and paying these off help? We currently rent our home. The problem is the assistants program will help once in a lifetime so if we get it done to the rental we will have to pay for modification when we finally purchase a home. (Doors. And halls widened, bathroom accessible, and ramps.
  • First you need to work on getting your credit scores higher. Even if you can find special mortgage loans you will not get them until you fix your credit ratings.
  • no.. but there may be assistance for the children. california has IHSS where parents can be paid to care for children with disabilties (and can use that money to improve their credit).....depending on the disability, there may be grants available for their needs such as making the new home accessible....why not use some of the 20,000 to improve your credit 1st. do you own your home now? will you make a profit when you sell? there are special programs for 1st time buyers---as low as 3-5% down....even 2nd time buyers might still be able to get a mortgage with 5% down. the assistance other people got was probably based on other factors such as low income, 1st time buyer, etc.
  • Are you trying to get a USDA direct loan or a guaranteed loan? If direct you can find that info here: http://eligibility.sc.egov.usda.gov/elig...
  • Need 3.5% minimum down for FHA, but may be able to get VA loan with 3% down. Decent credit score at 720, but other two are a bit low. Have you examined them for errors and discrepancies? Are there any things you can remedy, delinquencies pay off, etc>?
  • If you are a vet you can get 100% financing, if you are talking about a 3% interest rate, you are not going to find it
  • No. Only the person whose name is on the loan needs to disclose their information. But you also will not be able to use your income to qualify, so he'd have to qualify using only his earnings.
  • They don't even have a social security number to keep the tax returns on unpaid loans. Cali is so rich they don't care. That's why they are so broke and desperate.
  • They wont. Jerry Brown and the liberals in the legislature are morons
  • Bring back slavery
  • they won't. even if they stay in the US illegally they can't get a real job.
  • they wont and they dont care because the feds will bail them out soon
  • They will get it from taxpayers ....how do you suppose they will get the money?
  • The loan actually has to fund and the title must be recorded at the county before you get your keys. This can take up to 3 days after you sign. But if you are signing on Monday and there are no hitches, it should close by the end of next week. Remember that everyone is working on a skeleton crew because of the holidays. Congrats on your new home!
  • The closing company or the attorney doing the closing should have an idea of the schedule. Remember there are a lot of people and details involved so the fact that your part is done does not mean that the lender will actually be ready to fund on Monday or the seller may have to arrange his schedule etc. etc. What you say sounds good and a Monday closing is possible. Once the closing is complete and everyone is paid then you get the keys unless you signed a document giving the seller additional time in the house.
  • You usually get the keys at close of escrow. For seller-occupied homes, it could be 3 days after close of escrow. Check with your realtor.
  • You get the house keys at closing. Congrats for buying a home and Happy Holidays.
  • No, there's no "3-day regulation" in ny or the different state. properly, in CA you ought to purchase a 2-day return privilege merely before the acquisition. you purchased the motor vehicle "as is". whether long island demands a guarantee on each and every used motor vehicle, a guarantee isn't a money returned assure, this is a promise to repair products lined by skill of the guarantee. The broker may be obligated to restoration the motor vehicle, yet he's under no criminal duty to settle for the return of the motor vehicle,refund your money, or exchange the motor vehicle for yet another. You had the possibility to tension and inspect the motor vehicle before you purchased it. Now this is too late.
  • At closing
  • You get the keys when your new home closes. Your Realtor knows your needs. He or she will take care of it.
  • Keys should be given to you at the "Closing" (when you signed you loan paperwork).
  • Hi, I live in California. Purchased a trailer in 2000, paid off in 2003 with Conseco Finance. Never received title, and California DMV shows lienholder as Conseco Finance. Won't issue me duplicate title unless Conseco signs off. Problem- Conseco doesn't exist - purchased by GE. GE shows no record of title info and said they can't help. Not sure what I can do to get my title for a trailer I paid off. Any help appreciated. Thank you
  • wow. you can try getting all your old paperwork and calling GE. and oh yes, GET A LAWYER.
  • One day past the due date. There are no grace periods on any type of loans. That was set up by FDIC before they can hit you with late fees. It has nothing to do with the loan itself.
  • From watching repo on tv, seems like banks possibly give people 3 to 6 months before pursuing repossession. Then again, its tv and its really up to your particular bank on how long they wait. If you need time, call the bank and explain your circumstances. Do not avoid contact with the bank as they will certainly pull your car off the driveway before you know it.
  • Technically, you are in default of your contract the first day the payment is late. Most lenders won't pursue repossession till you are 60 or 90 days late. But they don't have to wait.
  • It won't happen. You need a conventional loan for a fixer.
  • FHA requires the home to be in a certain condition...and not a fixer.
  • The same way all governments pay back loans, they will raise taxes, cut services, and lay people off.
  • If you are using it as a vacation home, or second home, the bank will likely require more in terms of qualifying for a mortgage. If you are planning to move to Michigan, using it as a primary residence, then it will be treated normally when qualifying for a mortgage. There is nothing that specifically prohibits you from qualifying for a loan on a property that is in a different state. Whether or not you are given a mortgage will depend entirely on the lending institution and whether they feel you can afford it. The best way to know for sure, simply talk to your local bank about it. They should have you speak with one of their loan officers and that person should be able to explain things in detail, answering whatever questions you may have.
  • yes it will either be considered an investment property or an second home. You will need to still qualify by credit, income, and employment standards.
  • There is no law or regulation that makes that impossible.
  • definitely. You can sign up for various signing agencies throughout the state, who will contact you with their own clients almost every day. If you get hired (easy) by two or three of these companies, you can have a full day of work almost every day. Standard rates are around 100$ per loan package, split evenly with the company, so you're looking at around 50$ per hour. Good luck!
  • Mail your card to people that need notary service. Realtors, car dealers, lawyers, title companies,etc. Remember that you have to charge if you have to travel. I was at a title company for a closing, the notary person came so that the paper work could be notarized. His service cost $30.00 and $2.00 per stamp. If he did 3 closings a day he got $90 a day just to be there. And I am sure his contract read that he shall be at an appointed place at an appointed time and cancellation is 24hrs or fee is due. Also he charged for each contract. If the title company was closing two sales at the same office he was paid the notary fee for each, (he did discount it only $20 ea)
  • There you go : http://students-loans-consolidations.com...
  • Student loans are not credit based. If you are enrolled at least half time in an accredited program that is eligible to participate in federal aid programs you can get a stafford loan. You will need to fill out a FAFSA application, www.fafsa.ed.gov You will be restricted from getting aid if you were convicted of a drug offense but it is not forever, and it is only if you were convicted while receiving title 4 finanical aid. If you are planning to start school this FAFSA and the 0708 FAFSA. If you are not starting till fall (or maybe summer, ask your school) you will only need to do the 0708 fafsa. Apply right away!
  • Great question. Wish I knew. Put your probation officer to work on that one. I know they have a case load that is overwhelming, but I would think they would want to help someone who is looking to help himself. Talk with the finance/admissions/registration person in the school you want to attend. They may be able to help you get a loan. Talk with a union boss of the trade you want to go into. Maybe they know of an employer willing to help out. I wish you the best of luck.
  • I dont know about that, but I do know that if you've been convicted of felony drupg charges you cant get federal financial aid, period. Just in case that was your charge
  • talk to your financial aid counselor at your school. there should be someone you can talk to about somehow funding your education. good luck and higher education is the way to success
  • Have you tried Fafsa? www.fafsa.com
  • go to http://www.thestudentloanconsolidationguide.com there are some links there that will help you.
  • That is actually a question you need to pose to Indymac , as it is completely up to them as to how they wish to proceed. When you were denied a loan modification, did they offer the option of a short sale? Normally an investor will let you know if a short sale is an option upon denial of a loan mod. In this market, each bank/investor is in their own dire need and it really depends on how desperate their need to recoup this money. The longer they allow the process to drag out, the more costly it can become for them. Best advice is to contact the litigation department of IndyMac and ask them if a short sale is an option for you now that the modification has failed.
  • You can attempt a short sale at any time. The problem is that the short sale has to close within a period of time allowed by the bank. In other words, if it takes 6 months to get an offer with a 3.5% down payment and a 90 day escrow, good luck getting the bank to accept it. However, if, next week, someone wants to pay cash and close right away, you stand a pretty good chance of making it happen.
  • Indy Mac would be the one doing the short sale after you either left or got forclosed on. The bigger question is why did your mod get turned down? If your behind on the mortgage a refi wouldn't be an option and the mod is the best/only option for you if you want to keep your place ... check out www.makinghomeaffordable.gov
  • bad financial conditions means numerous Americans need support with their credit problems. if you are one of them, you must obtain support at once. go to http://goodcreditbadcredit.notlong.com and see if it solves your problem.
  • That is because you report your Federal Adjusted Gross Income on line 13. Federal AGI already has these amounts deducted. You cannot deduct those items twice.
  • About as good as it is going to get. Right now I wouldn't worry so much about a couple of percentile points up or down on the rate... I would take any mortgage offered to me... because just getting the mortgage is hard enough And FHA isn't going to "cheat" you... they are the only ones left to do it without a 20% downpayment. I think theirs is still around 3.5% but they are talking about raising the min. downpayment to 4.5% on FHA soon. Take it... and be happy that you got it. And please don't deal with the other 2 "scammers" that answered your question. I am so going to wipe them out of here....
  • His daddy probably saved him from prison!
  • Apparently there wasn't enough evidence to try him, or convict him, or no one felt like prosecuting him.
  • Need to know what your interest rate would be. With a $ 200,000 loan at 9%, the payments would be $1609.25.
  • Go to google Type Morgage Calculator I guess dats ur answer. Just Kidding Its simple... 30 yrs x 12 months = 360 months And then 200,000/360 months Gives $555.555 per month Guess ur monthly income is more than dat. Good Luck n visit my site http://realstate-california.blogspot.com/
  • Depends on the rate. And remember, the lower the rate, the higher the closing costs, and vice versa. At 6%, your monthly principal and interest payment would be $1199. Add your taxes and insurance, and you have your monthly PITI payment.
  • That would completely depend on what interest rate you're paying. Google "mortgage calculator" and you'll find dozens of places where you can plug in different numbers and see what things will cost you.
  • What is your FICO Score? What is the interest rate? How much money are you planning on putting down on this house?
  • P.I.T.I. Are you sure you're ready to buy a house??
  • This website may help you. You can get grants to help pay off bad debt or start a business. They charge a dollar to ship the info to you to try it.
  • While each state, and sometimes, county, laws will vary, find out the process here: www.howtostartamortgagebusiness.com
  • While each state, and sometimes, county, laws will vary, find out the process here: www.howtostartamortgagebusiness.com
  • I am not sure how you can have good credit and a fico so low. But, yes, it effects your available rate.
  • you are able to desire to comprehend your credit. you likely have a credit report and don't even comprehend it. Get a reproduction of your credit report consisting of your score. it ought to value ~$15 from between the main credit bureaus. With credit above 720 you're finding at ~6.25% on a 30-year mounted value own loan. yet with out that magic quantity, none human beings can make it easier to comprehend your value. solid success!
  • depends on your credit - best way to do it is to talk to a bank, a credit union would be good - the higher your credit score, the lower your rate - but that also depends on other things, like length of credit history, amount of credit...
  • yes it is
  • go to bankrate.com.
  • They best way to know is to ask them. Also, you'll be able to get school loans through the college you plan on attending. They will be able to assist you.
  • You'll have to ask the department to see if they help with educational costs. Otherwise, complete the application at http://www.fafsa.ed.gov so that you can be considered for aid offered by the federal government, the state, and your institution.
  • I would like to say thank you to Destiny kings Loan finance for all the things they have helped me with. I have a large family, and every time we have had a crisis Destiny kings Loan finance has helped us out. I thank God for the help they have provided to me and my family,email them today at{destinykingsfinance@yahoo.com {destinykingsfinance@yahoo.com}
  • Yes, you can do this, it's not a problem. I've bought many cars out of state. You'll need a bill of sale, and all the paperwork that came with your car. If you just bought it. Otherwise, just bring in the old registration from the old state.
  • 1
  • Frank B, I'm not wisest person when it comes to auto repair. Last week I had an accident with my Honda Pilot and I wasn't sure how to fix them. I tried to search the web for help, but the procedures were too complex for my skills. I ended up going to the dealship for my repairs. The dealership tends to charge more than mom and pop repair shops, but they've seen all sorts of situations (auto insurance problems, repair warranty issues, etc) and they seem to always find a way to help me. Maybe you can try calling auto repair shops in Utah to see if they can help you. http://www.autorepairshopreview.com/Utah-Repair-Shops.html
  • No, that does not create income and therefore is not a taxable event
  • None of them are legit. They are all rip offs. They prey on the very people who can least afford to use them. I respectfully suggest that you find another way if you need money
  • 1
  • I would not recommend this type of loan. Many use them is desperation, but they are costly and you have to be very careful if you are considering a title loan.
  • search 'car loans'.
  • FHA you need 3.5% down...payments are based on financed amount...the less you need to finance, the lower the payments. The longer you stretch out the payments, the lower the payments (of course you pay more interest(. Not rocket science.
  • No. The bank's view is that anyone who would need a loan in the US can get a SSN so if you cannot get one, there must be something wrong.
  • Yes, you could continue to pay. Alternatively, you could refinance if you want to.
  • If the bank got wind that he is no longer here, they could feasibly call the loan due. That would force you to refi in your name only. Now, since you are on the title, that is good, because it shows you have a vested interest in this place and if he were to die, and you couldn't make the payments on your own, you would be able to sell the place. I would think though, that if he dies, I would not go blabbing to the bank if you can handle the payments on your own. I would just continue making the payments.
  • No the lender has NO agreement with you and at any point could call the loan. Majority of lenders ignore the death of the spouse and just allow you to continue paying. But miss one payment and you are scre*ed,
  • Make up some colorful brochures and put them on all the cars at apartment complexes...Also restaurants, bowling allies. Place an ad in the newspaper for a month... It will happen..
  • You can apply for mortgage licenses in other states. I used to work for a firm that obtained out of state licenses for mortgage brokers/lenders and I've gotten a few clients 15+ states. It costs a lot in the process such as application fees, surety bond fees, etc but it will definitely expand your business out of California. If you do consider doing this, please be sure that you have enough time and money to do this since each state has different rules & statutes. If you are a new loan officer, maybe you should try and work for a larger company that is more well known. That way you will be able to build a larger clientele and when you are ready, you can branch off on your own and by that time, if you have done a good job, you will have the security of knowing that your clients will refer others to you as well.
  • sure it really is a good idea, once you've the want to make it realllllly particular, visit the greenback save and purchase a espresso mug (or use one out of your cupboard, in basic terms be particular it does not have any cracks or chips on it), then get a pair packets of those one cup servings warm candies (you are able to purchase a container of swiss omit or nestles for about a greenback - use 2 or 3 packets tucked contained in the cup and also you'll have the different 9 or 10 leftover for your self!!!) then use a sheet of tissue paper or some newspaper or paper towels and wrap that around the cup then stuff it right into a lunch bag sized paper bag, if the bag is genuine straight forward you are able to beautify it with drawings of marshmallows :)
  • I would get to know a few realtors really well. Don't spread yourself out to thin, and do an excellent job. Don't bombard them with new packages every week, prepare docs *before* needed, be a miracle worker. THAT will get you more repeat realtor customers and referalls to other realtors.
  • Rule of Thumb - People HATE pushers, soft to hard, it doesn't matter. You need to develop a skill about LISTENING and focusing on people's needs, you need to win them over FIRST, than you can't go wrong! TRY to be the REAL DEAL, to get the deal.
  • well to proccess the loan is not hard, what is hard is to get a pre-qualified prospect.... here where I work everybody does it by door knocking, but the ones that have more experience don't do that anymore. they have clients and their clients give them referals...
  • If you are young, female, and hot I have a few suggestions. Otherwise, good luck with your problem.
  • How many morgues are already in Compton? Are the families of the people you bury going to be able to afford your services?
  • No you would have a few options. If you have no or little to use as a down payment you may apply for one or both of the down payment assistance programs. If you are approved for both you would be required to select the one that you think would be a better financially for you. If there is a tax certificate, you might be approved for that, you would have to take that up when your file your federal and California income tax forms. I hope this has been of some benefit to you, good luck. "FIGHT ON"
  • No, you can't have multiple loans, only one. You can have both a loan and the tax credit
  • They offer loans in 10, 15, 20, 25 and 30 year increments. First loans will not be longer than 30 years. Some people have gotten loan mods that are 40-50 years, but you won't find a mortgage lender who will do a first for that period of time.
  • You have to be on the mortgage and in order to be on the mortgage, you have to be on the title.
  • My husband and I are in the middle of chapter 7 bankruptcy.....well more than the middle..... we went to court a month ago and are now waiting for our discharge letter. we have already been receiving offers in the mail for a new car loan, on the offer it says they CAN do it without the discharge letter.....is that possible? will we get into trouble for doing that? how much will we most likely need down? we gave a car up for voluntary repo a few months before we filed, does that make a difference? i know the best thing to do is wait until after we have recovered from bankruptcy, but we only have one car now and i plan on going back to work soon, so we really need two cars. any answers will help....thanks!
  • Only the bankruptcy judge can approve you taking on any debt. They almost ALWAYS refuse.
  • I signed a quit claim deed giving my ex-husband ownership of our community property house several years ago. However when I went to buy my own house recently, I couldn't because my name is still on the home loan, which is a home equity line of credit, and about $450,000 is owed. Since the house is only worth about $420,000. My ex is going through a bankruptcy and can't refinance it. What are my options? Can I somehow foreclose on him, go to court and ask the judge to hake him sell the house, or put my name back on the deed? UPDATE: I posted the above question over an hour ago. I apologize, I signed and Interspousal Transfer Deed not a Quit Claim Deed. I was told they are the same, but does anyone know the difference, if it even really makes a difference?
  • It make no difference. Either way, you no longer own the home. It you are responsible for the payments on the home.
  • Transfer of your "ownership" of the property didn't change your obligation to pay back the loan. Your signature on the promissory note is still there, regardless of whether you own any part of the property for which the loan was given. The mortgage will be foreclosed upon default and your name will be listed as an overdue debtor on the credit reports.
  • The new info doesn't change anything. The type of deed doesn't help you get anything done with the mortgage.
  • sure. REFINANCE in this name.
  • Depends on your income and debt ratio as you are aware of ... I just refinanced and got 6.5% so cannot be more than that! Good Luck!
  • It will still depend on DOWNPAYMENT and your overall debt ratio based on the cost of home you are looking to buy. If you can get 20% down you will probably get the best rate they offer. Somewhere in the 5% range most likely. However if you are going for 80-100 % financing you will end paying a slightly higher interest rate on at least part of the loan. It will still very a good rate though. lol at the first guy sayng 4%. That wouldnt happen in million years.
  • I'm guessing that you could get a 30 year fixed for somewhere between 6% and 6.5%. The rates have gone up a little in the last two weeks. For an Adjustable Rate Mortgage, probably close to 6%.
  • an 806 is awesome. I have no idea what the exact rate would be, although I do think it should be smaller than 6%. Do some research on the internet and see what you can find out. lendingtree.com comes to mind (they have alot of commercials and were first to come to mind)
  • I am not a lender,so I can not give you an exact amount! I must say that your credit score is awesome,and you will be able to get a low interest rate.
  • I would like to say thank you to Destiny kings Loan finance for all the things they have helped me with. I have a large family, and every time we have had a crisis Destiny kings Loan finance has helped us out. I thank God for the help they have provided to me and%2
  • Oh ok... I got this for you... better check on it... Im pretty sure you'll discover something http://www.home-loan-made-ez.com
  • 4 %
  • maybe 0 or less then 5%
  • We are a family of 5 in CA. We are first time homebuyers with FICO credit score of 597. Just wondering if anyone was knowledgable in the programs in CA than can be used with a FHA loan. I was told there is a program that can cover BOTH the 3% down payment, AND 3% closing costs... Does anyone know what those are? from the CALHFA.CA.GOV website i gather it may be CHAP, CHDAP, and/or AHPP- just would like to be more clear. Thanks for your knowledge.
  • You can possibly qualify for FHA that would give you 97% ffinancing and get the sellers down payments assistance from companies such as Nehemiah or ameridream that would give you the 3% you need to put down. Typically when you're purchasing a home the seller would contribute 2%-3% towards your closing cost. Just make sure your realtor is requesting that in your offer on any partcular property. Make sure you have a great mortgage consultant to assist you through the process.
  • Here are many first time home buyers programs available. You may start by calling the city Housing Office in your city or the county housing office<!--in the county in which you reside.If these offices don't have the programs you are seeking they will be able to tell you what agency in their jurisdiction has them. http://best-loans.awardspace.com/homebuyerprogram.htm Once you have located the first time home buyers program and who operate it, that agency normally have a list of lenders, banks-->mortgage brokers or institutions that are authorize to administer the program. These agencies are normally listed on a pamphlet.
  • Amen to that brother! The country has problems of their own. Its their own fault if they screw up.
  • I agree!
  • Unfortunately then you will join the ranks of those that have or are losing their homes. No credit, no income and no equity means pay for what you signed for. Sorry but not my fault you overextended yourself, buying way more than you could afford. Do not think my tax dollars should bail you out because of your foolish dreams, and not living in reality.
  • I employed them to alter 2 of my properties. One they efficiently changed below the Making abode much less costly plan, however the different they weren't valuable. when I asked the refund on my document that did no longer regulate, they have stonewalled me each and every step of ways. I employed an lawyer who threatened to document a grievance with the CA Bar affiliation. They declare to have overnighted me a examine to reach day after today, yet i'm no longer hopeful i'm going to ensure it. whether I do, i'm nevertheless thinking submitting a grievance that the lawyer commonly used and Bar affiliation.
  • Yeah, if there is a judgment. Once you are working they are entitled to 25% of your gross pay too.
  • Who is 'they"? Yes they can.
  • Yeah, if the house qualifies. it has to be rural.
  • If the house is in an area that can be financed through USDA.
  • There ABSOLUTELY NO REASON why you can't move here! I have a truck that I am financing here (in Cali.) and I'm moving to Minnesota! All the Finance Co. cares about is that you PAY YOUR PAYMENT!!! It doesn't matter WHERE IN THE WORLD YOU ARE!!! They just want their $$$$!!!!! Good luck to you here! Where at in Cali. will you be going?
  • nope. no problems with it. I'm driving a car in which I have a loan in another state. I think the problem is when you're about to buy a car and you want to finance it. A bank in one state won't finance the car if the car is in another state.
  • The lender does not care WHERE the pmt comes from, they only want to GET it. And don't think for a moment that you can stop paying and they wont hunt you down and repossess your car. THEY WILL, and you will be charged whatever expenses are involved to do it.
  • Of course you can! Just don't forget to change the address on your loan.
  • Dude, where are you from? This is the US of A man. You can do what you want to do and go where you want to go. You don't have to ask me or him or her or anybody. GO!
  • The flyer's's can be created on any computer, most have ready made templates. Now if you are looking for items to put in your flyer you will find many articles on real estate on your computer, from local newspapers. I find that the LA Times and Press Telegram on Sunday have a well know real estate investor and lawyer featured by the name of Robert J. Bruss. You may use his articles as well as any other article as long as you give the author credit. One of the first things you might want to do is introduce yourself, give them a brief description of your accomplishments, schools you have attended, a few professional things you have accomplished as well as any organizations in which you belong, a few of the programs you might offer. Now this program will work if you are concentrating your efforts in one single area constantly. After about 3 months of passing out the fliers in the same neighborhood turn your flier into a newsletter. I hope this has been of use to you, good luck. "FIGHT ON"
  • MS Word - just set it up and say what you want to say. Take the original to a copy place and have it copied.
  • You could try getting stars from the Walk of Fame: http://www.inetours.com/Los_Angeles/Imag...Or the famous Santa Monica Pier sign: http://smlimos.com/SantaMonicaPier-600.j...Or the Golden Gate Bridge: http://www.howardmodels.com/fun-stuff/go...Or the shape of California: http://www.mtgfoundation.com/wp-content/uploads/2007/05/california-home-loan.gif Or a clapperboard: http://www.otherlandtoys.co.uk/clapperboard1_800w.jpg And so on...
  • California is a enormous state with many exclusive forms of climate, hobbies, and landscapes. What approximately in which You lived? Is there a bar that is been round for the reason that your Grandparents had been youngsters and that every body is going to after they flip 21? Do you reside in an subject with Vineyards? How approximately seaside every body went to with the cool resturant proper on the front? Come on you understand in which you reside...what reminds you of that subject?
  • an out line of the state then a star or something to mark the location u went to. "California" or the name of the place your going to written some really nice script.
  • Someone surfing on a cool blue curl. It's all I can think of.
  • "CA","CALI","CALI BABY" cant realy think of any
  • That is often the case when it comes to dopey new regulations. Liberals love to regulate everyone elses life. *
  • From what I understand, an attorney (who actually specializes in Loan Modifications) can get you a better rate because they negotiate on behalf of many homeowners each month AND banks like working with attorneys because the client has mentally committed to going through with it as opposed to homeowners individually calling without really knowing what they're doing. You can do it on your own, but would you buy a home without using a realtor if you didn't know what you were doing? There's a couple of articles I found here-
  • I thought that I needed to go though a service but I used these guys and it really worked out. You don't need to go through a law firm its easy enough to do it yourself at least it worked out for me. I paid $300 for another kit that wasn't worth the effort of reading, it was crap. But I found myloanmedic.com and these guys only charged $79 and they have a money back guarantee. I would totally recommend them. For what its worth this is not a paid endorsement, they just really helped me out and I thought I would recommend them to you. It really was an easy do it yourself loan modification process with instructions that made it easy.
  • YES Do it yourself!!! Or at least start the process. Takes persistence and perseverance, calling and holding. Talk to many people at lender. Generally modification means lowering the interest rate and has NO impact on the principal amount you borrowed.
  • it is very complicated and not all the people who are offering the services are qualified to do so you need to check with your district attorney for people who are qualified to do since they are required to be bonded
  • Yes but read this first, http://alturl.com/ix9b
  • Do it yourself
  • As a mortgage underwriter I see this all the time. It's quite common to refinance your mortgage after a modification and it makes no difference to the bank or mortgage company you are applying to. What matters is your payment history, I suggest contacting your current mortgage company to see if a HARP refinance is available for you. The HARP program has much more lenient guidelines and can possibly get you a much lower rate.
  • I couldn't top Melly`s reply but if you want more sources of info then here you'll get plenty to read: http://credit-cards.ebookorama.comhttp://finance.ebookorama.comhttp://credit.ebookorama.comhttp://credit-repair.ebookorama.com good luck! if it helps please remember me cheers
  • The Mortgage Broker you work for must be licensed in the state you are wishing to do business in. Your license is not state specific but your company's must be. Good Luck! Getting licensed to do mortgage loans in New York is a lengthy process!
  • i ought to,nt say so, yet i wager you're in a position to must be bonded, and bypass on your nearest police station, to inquire about, something shady on your previous.Or once you've a criminal list.
  • first of all california is the worst place to go right now it may look cool but theres taxes on everything probably takin a crap too and go to college it is extremely hard to get a job even with a college diploma now and dont go to california go to florida or texas
  • My opinion is the CS activity industry is undesirable now and could be undesirable in a pair of years. the popular reason is CS jobs are only approximately the least complicated jobs there are to deliver offshore. The sparkling predictions you spot approximately intense pay and intense call for are all coming from colleges finding to recruit scholars, and that they are helpful at it, flooding the industry with new graduates.
  • It doesn't matter what state you are in, community property state or not, if that debt or any other debt was created "before" you were married then your wife is not liable for it. If your name is not on the bank account then they cannot touch that bank account. If the student loans are backed by the government then they can garnish your wages and seize your IRS and state tax refunds without having to get a court judgment against you. If you file a joint tax return, and part of the refund is your wifes, then your wife would have to file an injured spouse claim with the IRS and the state to receive her portion of the tax refund back.
  • YES. California is a community property state: The debts of either spouse can be waged against community property by debtors. In the event that the debt was incurred by one spouse prior to the couple’s marriage, the portion of the community property earned or acquired by the other spouse would not be considered liable.
  • Yes they can.
  • if they have a judgment against you they can.
  • California's CALHFA program offers assistance and programs for eligible first time home buyers. They may be able to help you with your first home purchase. Check out the sites below for more info. Good luck!
  • Anywhere that has homes that meet FHA appraiser guidelines. Pretty much everywhere. the home has to be in working function, not a dump, not to old, blah blah blah. Also check the local county where you move. many counties offer down payment assistant plans. I know here in Tacoma Washington... the city and county offer up to 30,000 dollars in down payment assistance to first time home buyers.
  • Network with Loan Officers and Escrow Companies. These people can refer business to you or recommend you to their peers who may need a Notary
  • There are many ways; but it will take time to build up steady clientele. Distributing flyers in different neighborhoods is one way; but may not give you great results. The best way would be to go to different escrow companies and 'sell' yourself to them. You could also try different mortgage brokers and real estate agents. It will take time. Good luck
  • My wife does the same thing and she just went to multiple title agencies and offered her services. There are also a ton of websites that you can put your name and details on. Notaryrotary.com or the other way around is one my wife is on and there are links from it to dozens of other sites. Good luck!
  • I easily have executed a pair about one hundred fifty-2 hundred they were a methods away . you could also value slightly extra for holiday fee. , over a bridge. many times in identify workplace about eighty. in case you %. up and take it one hundred and twenty 5 i desire this delivers an theory. you could also look at web content and see what they are charging
  • I just bought a home in California (pending loan approval). I actually attended an auction held by Williams and Williams and of course was the winning bidder. They require that the realtor register at least 24 hours prior and list me as his/her client, then bring the confirmation letter to the auction(he/she attended the auction with me but I actually bid). He/she did register myself as his client and therefore has been cut out of commission to be paid by the seller. My question is if he/she did not do this and we never signed a buyers contract, can he/she collect for their commission? Keep in mind the realtor did show us the property 2 times prior to the auction, once being the day before and once 3 weeks prior. There are also other details, but in essence we both(the realtor and myself) "jumped" blind into the transaction. I did not know he/she needed to bring in confirmation nor did I or he/she realize we had to pay 5% on top of the winning bid. Also come to find out they don't accept FHA!! crossing our fingers though. He asked me to pay out of my pocket but I have put alot of money down already(of which the seller would pay the realtor a portion with confirmation). This is all very complicated.
  • That's why you often need a professional. if they cut themselves out of the deal snd you have no contract with them I don't think you owe him. You ALWAYS pay the auction house a commission on top of what the final bid is. It is plainly explained on the paperwork you sign in order to bid. Other conditions were probably fully explained in the fine print.
  • Yes, you have to pay him, he is handling the sale. He has to work harder then usual too, because it sounds like you screwed up. You were supposed to have your money ready, the whole thing. Now he has to get you financing in a short period of time. FHA never gives loans for auctions, the auction houses will not meet their inspection requirements. Any of them. You need your agent now to keep you out of jail, the auction houses will press fraud charges if you do not perform. These are as is sales, no contingencies. They are dead serious about their contract and the due date.
  • I beg to differ, California is a community property State so as long as your married to your wife you can be held liable for the payment if she decides not to make it.
  • You're not on the title so you're not liable. However if you've only recently come off the deed and it can be proven that you did so for malicious reasons you might be on the hook for some of it. For example if you've been enjoying the benefit of living in the house or something then up and left...then that's a moral no-no.
  • Plain and simple...if you are not on the loan, you have ZERO obligation to repay it. You don't need to search for a law case showing that.
  • I got married 9 months ago in California and my husband had debt (study loans) I did not know about. I was wondering in case we got divorced, would I be liable of his debt prior to the marriage even if I didn´t know about it? I want nothing of his assets and we have no kids, I just wanna know if I would bein trouble cause of his debts.
  • If the debt is only in his name, it will not affect you after the divorce. If you were staying married and wanted to get a big loan or mortgage, it may affect his credit score and then also affect your ability to get a loan- but you're divorcing so no big deal there. Don't be shocked if you get some calls though if he ever stops paying them or is late. Sometimes creditors will try to be sneaky and get you to think you are responsible as well. When my ex died he had debt, and people still call her asking if there is a relative of him here. I live in the midwest, so I'm guessing the costs of a divorce would be alot different from California! Sorry!
  • his depts has nothing to do with u i been married 4 2 years and she aint got mine and i dont got hers
  • If your name is not on any of his bills since you have been married you are not responsible for them.
  • Normally if the loan is funded the title is prepared and all lien holders have requested payoffs. Once the title company has secured enough money for the lien holders, and the rest of the funds sent to the escrow closing agent, it should take normally one day two on the outside. You might call the title company or escrow closing office to find out when they expect to record your title at the Los Angeles Recorder's Office. I hope this has been of some use to 'you, good luck. "FIGHT ON"
  • the loan should be recorded in just a few days in the court house
  • Yes and no, and I'll tell you why. California is a state where when a couple is married, both assets AND debts that are accumulated jointly as part of a marriage are marital assets/liabilities, during that marriage. So if your name is on title, it can be foreclosed on, but ONLY your husband can be legally sued (because you didn't sign a contract with the bank), however, if you divorce, and you have a deficiency judgment ie. remainder....your husband can petition the court for you to pay for half of it. But the bank can't. You see the difference?
  • They can not if he owned the property before you were married. If purchased after you were married, then it is part of the community property. And, they will go after you.
  • yes
  • Not legally. No mortgage company would agree to it because they would be loaning $200k on a house thats worth $150k and you could walk away and screw them out of $50k. You can get them to pay closing costs and other things related to the house though (new carpets, paint, fix the roof, etc). The only way to do what you said would be to lie to the mortgage company, get an inflated appraisal and get the seller to kick you back a check to pay off your cars. Then you can go to jail if you get caught.
  • you should pay off your own cars with the extra money. iv'e never really heard of negotiating a car deal and i dont think it's worth the hassle. you can ask them about the closing costs though
  • lol you need to ask the Bank. Just give them a call they might they might not depends on the type of loan and the terms
  • Wow, sounds like a good idea. ;)
  • Hi there! I am a licensed Loan Officer in Southern California. You can IM or e-mail me if you want to discuss my experiences more. I use MSN, but it is compatible with Yahoo Messenger. damiana127@yahoo.com
  • Your income is OK, but your credit score needs to be higher to qualify. A credit score is a number that summarizes your credit risk, based on a snapshot of your credit report at a particular point in time. Lenders use your credit score to evaluate your credit report and estimate your credit risk. Your credit score influences the credit that’s available to you and the terms (interest rate, etc.) that lenders offer you. It’s your score card, and it can make all the difference in the world if you are applying for a loan, credit card, insurance, and even a job.http://ratenerd.com/how-credit-scores-work-top-5-factors-that-make-up-your-credit-score-411
  • California.... is a very tough state. Prices are still too high (compared with the rest of the United States) and the banks are only taking "prime Fico scores". Here is what you can do: Make an appointment with a bank to see what it takes to get pre-approved for a mortgage. This will get you an idea of what you need to achieve before you can qualify for a conventional mortgage. In general... up to 20% down plus another 3 to 6% of the house price for closing cost, etc. I am not even going to discuss FICO scores... You will need to add more than a 100 points to each of yours. If your score is so low because you are new to the credit game and very young then try and get a credit card and spend $20 a month on the card and pay off every month and your credit will go up fast. If your score is low because you have a bad credit history... then clean it up and pay off the debt and come back when your credit report is free and clear of "bad" entries for a couple of years. In general... the more money you have for a downpayment the better chance to finance the rest and find a lender willing to take the risk. But in CA a "normal" house is still in the $200K and higher range. That means you would have to have at least $40,000 in cash for the downpayment and another $6000 for closing cost, etc. and there is still no guarantee that you will find a lender willing to finance the rest. Go to Yahoo Real Estate... and type in a house price, your downpayment, etc. into one of the mortgage calculators... that will give you an idea on what you can buy with your money.
  • One of your scores needs to come up. I just got a loan for a house and it was a pain and my score was 650 and my husband 794
  • No you do not have a high enough FICO Score nor do you have enough income.
  • maybe 5 years ago, today, no.
  • Alternatives besides scholarships are federal and California grants/loans, you can also take on part-time job. Yes, there are scholarships still open, but the deadlines for the remaining are mostly in June. The best place to check is your school's website listing private scholarships. I recalled (just browsed couple days ago) seeing a lot of scholarships specifically for Hispanic background. I am not pasting them all here, you will have to do some work to locate those yourself if you really want those bad enough; most are about 500-5K a piece and require some essays.
  • I have no idea if these are scholarship search engines but have you tried www.fastweb.com or www.scholarships.com? You get to set up a profile with your academic and personal information and by your own specific profile, you will be sent scholarship information as well as internships that may be available in your area. And through your yahoo email you will be notified if any upcoming deadlines for scholarships will come up. Give these websites a shot! HOPE THIS HELPS!!! :o)
  • Some friends of mine in college told me that they have valuable information regarding scholarships from this place. Good luck
  • There's one which awards $1,000 monthly and $10,000 a few times annually. Follow this link: http://www.scholarshippoints.com/
  • Contact a dealer in california, they can certainly give you financing its only guam and puerto rico that are separate as far as credit. Also do not go for a loan locally you will pay more. Pisses me off, I've seen local charities ripped off there!
  • Many years ago I read the Hawaii had severe regulations on vehicles. Shipping a bike can be expensive. but yes a loan has no bearing where the vehicle is from, but check with the loan officer, THEY may see things differently. There are dealers there, ask why Mopeds are so popular, a fast bike has nowhere to go on an island.
  • In some states, PMI is tax deductible. But if you're talking about regular homeowners insurance, for the house you live in, that is NOT tax deductible. The premium will be dependent on how much coverage you need, and ALL lenders are going to want you to insure for 100% of the cost to rebuild the house, or the full amount of the loan, whichever is less.
  • You might want to post this question under personal finance or tax category, since many accountants or tax people maybe able to answer if deductible or not. good luck
  • check irs.gov or ask your loan officer or realtor
  • I am curious to know more about this too
  • Hello, Is an ARM that has already adjusted that is/was a purchase-money second mortgage a recourse loan in the state of California? The loan was never refinanced. On top of that, if I decide to walk away, could I write myself a check for the available equity and keep walking w/o legal action being taken? Thanks!
  • 1) If the second was for purchasing the house (say an 80/20) then you should be okay. 2) Writing yourself a check would probably be recourse and also fraud (I am amazed your bank hasn't lowered your limit by now to bring it closer to 80 LTV) and may be considered a refinance making the entire second recourse. Without a doubt, the bank would take legal action the minute you wrote the check and stopped payment.
  • Wow. OK.... How are you going to write yourself a check for the available equity? Why aren't you just selling this place if there is equity in it? And you are not not walking away, it is a foreclosure, which has very serious, long term consequences. Consult with a tax accountant about the recourse status and what that means to you as far a taxable income and other implications.
  • Hello, What you want to do first is write a letter to your landlord in regards to you leaving. I know that you told him and begged but sometime landlords who don't find tenants in time will take you to court claiming that you never told them that you were vacating. You also want to put up flyers about house that you are renting just to show that you are helping them get new tenants this will help you to get your security down IF they get a tenant before you leave and be good evidence if you go to court. You also stated that you need a loan. I'm a mortgage broker and licensed in CA and will be than happy to go through some programs with you. Please let me know if you have any questions.
  • I am a lender in CA. There is an awesome first time homebuyer program that will help you with the down payment and possibly closing costs if you meet their qualifications. Please email me and I'll be happy to forward you my office number or call you if you email me your phone number. We will check out your options for you.
  • they can take your federal income taxes if the loan you got was through the federal financial school loans.My federal taxes were taken last year my return was 3700 and i got 2300 taken.call your national treasurer and see if you have a federal offset.sorry don't have the number.
  • federally funded school loans are offset on the federal return
  • Absolutely they can take your federal taxes!!!! they took mine for 2 years straight til it was finally paid off. thank god that's over.....
  • Move to Texas, and take the test here. California Real estate scene sucks right now. Nothing's moving there.
  • Interview several brokers until you find one you like, that offers excellent training and support, has a congenial atmosphere, and a record of success - plus a good reputation. Ask what they pay for and what you will have to pay for. Then, get out there! Let everybody you know hear that you are in real estate now - shout it to the skies, email and snail mail everybody with your new business card, send out marketing materials and advertise yourself. Create a business plan and work your business plan. Ask your broker for help developing one, or go to a SCORE volunteer. As a newbie, look for a mentor in your office. Ask to ride along on showings and watch closings. Offer to sit open houses, for exposure. You could be a loan officer, but I think that requires a different set of skills and experience and training - and could be a conflict of interest to your potential real estate clients, so be careful. I don't see how you can effectively pursue 2 new careers at the same time - invest your time and energy into just 1, and strive to succeed at that one. Good luck and best wishes.
  • the Oregon Realtor said she succeeded by using an internet based pre-license course. This is one of those times when 'is it legal, should I?' becomes an emphatic NO. Attendance at pre-licensure classes is essential. Why? Must all contracts be in writing? NO Can a written contract me amended? Yes Can I negotiate a higher commission rate after my broker signed his listing agreement with the seller? NO IF I leave a real estate company, may I automatically take my listings with me? NO IF I am on the far side of the state when I get a deposit from a buyer, must I reach the broker before 24 hours expires? Yes If the owner of a property wishes to show a property himself and he sells it, do I still earn a commission [yes, depending on the TYPE OF listing] and more lastly; my sister joined me in my apt for 2 weeks. As she was leaving, the landlord saw her. Can the landlord give me an eviction notice? YES. I can tutor you; I was trained in Calif apply for the license get permission from the state to take pre-licensure classes take the state authorized test pay for your license have a broker ALREADY lined up with whom you will hang your license and a lot more
  • There's already some great advice in here, so I'm not going to waste your time duplicating what's already here. What I will tell you is there are others in your same situation...I just received my FL License and I'm still clueless about selling property...but I knew that going into training and completely expected to have only "cracked the door" after I graduated. My advantage is that I have several friends who are successful in the realestate business and are giving me pointers and guidance. I'll be starting part-time and building my business. But I know what it means to give good customer service, and to "sell one's self", and I feel that that's the key to being successful in this business. .... so get out there, sell yourself...let everyone know what you do....find a good broker who offers training, and follow the advice of experts like venicefl ( http://www.searchforvenice.com ) and others in here and begin to build your business. Wishing your great success.
  • Aren't you working for a broker? You ought to get some experience first before jumping into other fields. You must take more classes for other sectors of real estate. This is a very tough market to start! you may be paying out more than you take in...but experience is necessary...then when the market opens up you will be ready!
  • Study, Study, Study ... and make sure that you get good at what you're doing. Don't try to be everything to everybody. This isn't rocket surgery ... Learn everything you can about being an agent and do it well or don't do it at all. You'll only get yourself into trouble.
  • You are in a pickle. From what I have read, housing loans are going to start getting tough and in California they are looking at having at least 20% down for home loans now. Is the guy you are planning on living with the father of the second child? I would really consider all the pros and cons of buying a home (can you afford it without having a job) and moving in with someone (does he mind the kids being there and will be supportive of you and them, how soon do you plan on getting a job so that you can split the expenses. Lots of things to consider. The kids are the most important things to consider in this type of situation.
  • The least expensive homes in the Sacto valley are in Yuba City, Woodland, Lincoln, North Highlands, Florin, Rio Linda, Del Paso Heights, Dixon.
  • You probably want around $30,000-40,000. If you want help in planning to save, try the following (omitting the military stuff). It's pretty good advice. http://www.associatedcontent.com/article/8149033/how_to_financially_prepare_yourself.html
  • What you want to look for if becoming a loan officer is an area with a lot of turn over, that is, people moving in and out rapidly. If you work in an area where not many people are moving in and out and buying and selling constantly, than you will earn less money. A great way to find out which areas are best and you can do it for free, is ask a title rep (title insurance) to tell you what areas have a lot of constant turn over. See..if you work in or near an area where its kind of settled than you won't get many loans. You need constant turn over and business to earn.
  • What is the contingency? Need more info. Is it a contingency on the contract or by the mortgage company?
  • Do you mean a contract contingency or something the lender is looking for? If the lender needed you to get something done, then yes it needs to get done before they will fund the loan. If it's something in the contract (the agreement between the buyer and seller), then that is all up to the wording in the contract - as the Realtor who is representing you to explain it to you.
  • no.. the contingency is just based on the fact IF they can get a loan. If they can't then they don't have to close. Otherwise it is just like any other real estate transaction.
  • nop, all contingencies are negotiable, they don''t want to take chances that is why they told you that!
  • you can but ask i doubt it. no US bank will know anything about the proper procedures in India relating to mortgages. as best I understand the laws of both India and the US, there is no bank that does business in both countries -- not even a foreign to both countries bank.
  • If a school closes and you are unable to complete your program, you can have your loans discharged. However this only applies if there are no options to complete your program, such as taking classes online or at another campus within commuting distance. It also does not apply if you enroll in another school and complete the program there. Contact the servicer of the loans to see if yours qualify.
  • You are so silly. You don't pay for a graduation; you pay for the opportunity to learn information. At reputable schools, you pay for each semester at a time. Therefore, unless your school closes in the middle of a semester, you should have received what you paid for - instruction in the classes for which you were registered. You should be able to transfer those credits (at least, most of them) to another school. What? You say you signed a contract with a for-profit school? The school charged you for your entire education up front (instead of one semester at a time)? Those schools are scams, and anybody with a lick of sense knows that. You should have been smarter and avoided the for-profit college.
  • I need a commercial appraisal on a commercial building ( auto repair ) in California ( High Desert area , San Bernardino county ) . My family wants to sell / refinance a commercial building , and need an affordable appraisal company to contact . Can the appraisal 's fee to pay , be included in the new loan / transaction ( in the event of sale ) ? Or a payment plan ... Which companies are fast , affordable , reliable available for this area ? Thank you so much
  • My friend be careful. Before you spend $1,500 - $5,000 on a commercial appraisal, talk to your bank first. Most banks want to order their own appraisal and you don't want to pay for that service twice. Send me a private email with the address, the APN and the specifications of the building and I will try to give you some guidance. Also, let me know what amount of a loan you are looking for and what the present balance is on that building, if any.
  • Please go to http://realestate.yahoo.com/California/Orange/Homes_for_sale/c11f4811b9a1d8641d9226adbdd6130;_ylt=AmQSL8wSIG_NUVm_b0visYLnMrQs?cc=realestate&p=orange,%20CA&priceHigh=200000&priceLow=0&nodeId=750007014&sortBy=price%201&radius=&bedrooms=2&bedrooms=3&bedrooms=4& It says: estimated loan balance $10969. Is this the real price of this house or something else? too good to be true. please help!
  • It says that is the estimated loan balance. That does not mean that is the price of the house. The home is being foreclosed on and in every state I am aware of the high bidder gets the house and that high bidder is normally the mortgage company (they then turn around and list the property for sale with a real estate agent).
  • That is what they think is currently owed on the home... the balance of the loan on the home!
  • Tax is 7.5 to 10% in California depending on the city. That makes the total $1811.71 to $1846.68 after tax and loan interest.
  • Alienware is junk now. Don't waste your money. Build your own computer.
  • $1706.78 without tax
  • not in NC. when I got my loan from the state bank they did credit checks.
  • if u elect funds , pass to artwork. physically powerful technique to pay for company hundreds of hundreds b4 u did it. a loan isn't the right all respond. learn 'entire funds make over' d.ramsey. he can get extra jobs as can u . u'll have the money b4 sept.
  • My wife and I moved from California to Massachusetts and my wife brought a purchased copy of her medical records which she turned over to her new primary physician. Now we are transferring again and the office refuses to give us back the records we loaned them without paying a 50 dollar copy fee. We're not asking for the records they compiled, just the ones we loaned them.
  • Each state has statutes on what can be charged. Check out this site and scroll down to the California charges. I would push them on the amount they are charging and present them with a copy of this if you get no results. This is a state law so they haven't got a leg to stand on. They would have to spend almost 2 hours copying to incur a $50 fee. I believe you are right, however, that they should return the paperwork and you brought in. Locate the patient advocacy site on the internet for your area and contact them. There should be no charge to talk to them. http://www.lamblawoffice.com/medical-rec...
  • You don't "transfer" loans. The loans are already taken out and have no futher tie to any school... just the bank where you will repay them. So to find out if your new school is an approved school for MORE loans, just go to the fafsa website and look for the option that says... "Find a school Code" if your new school is listed, you are in luck.
  • i think of you're able to would desire to do all of them. Arizona's units to degree standards (goals) would desire to all be exceeded in the previous commencement, and so i think of that in spite of state you visit will require which you pass their version of them. distinctive states have distinctive standards. working example, the criteria in my state are particularly low, because of fact each and every of the persons who are available in from Mexico and don't even worry discovering the language, yet visit the universities, would desire to take the tests and then deliver the scores way down. i think of that some states have lots greater standards and a few states have lots decrease standards, so which you will probable would desire to take all of them. in spite of the undeniable fact that, you would be able to as properly in simple terms locate out once you get there. you maximum probable could take it a while interior the middle or end of a semester.
  • An aggressive realtor helps, but not a guarantee. Loans are still available, but the qualifications have gotten a little higher. Look at everything available around you. Is it one of the lower prices? Is it the nicest looking? Would you buy your house? Ask some people for genuine feedback, not some "oh your house looks great" platitude. If it's a starter home, advertise that you will pay closing costs. Many first time buyers only have limited money for a downpayment. Good luck.
  • possible v. probable possible yes..probable no. you know the market is flooded with inventory right now due to foreclosures....and also the loan criteria from financial institutions has tightened up. we have at least another 24 months of this downturn. good luck :)
  • Offer owner financing. You will have a bunch of offers. If you must have cash from the sale, you can sell the trust deed you "carry back"
  • Northern CA is fine; I just prefer S. CA obviously. Also there is an estimated answer. I found many sites with a large range of price; but some have water and electrical hook ups or houses on the property that dramatically differ the prices. I just want some sort of average so I can go with almost all of it covered if not all.
  • While land in California has risen to outrageous amounts, the value will continue to go down as there are more and more 4.0 earthquakes.
  • It is going to be several million. There is very, very little "woodsy" is southern CA. CA is a desert, especially there. You would be better in the Sierra foothills.
  • Me and my friend are both 18 and we go shooting on a regular basis, with my rifle and his shotgun. Sometimes my mom comes shooting with us and she brings her handgun. My mom has offered to let me and my friend use the hand gun when we go shooting without her but i am not sure if this is legal in California since neither my friend or I are 21. Can i bring her handgun since i am not 21? thank you
  • Yes, this is legal in California. Penal Code 12078(p)(2)(A) allows a parent to loan their minor child a handgun for purposes such as recreational shooting for a period that is reasonably necessary to engage in the event for a time period not to exceed 10 days.
  • No 21 http://ag.ca.gov/firearms/forms/pdf/Cfl2...
  • No. You have to file suit where the aggrievement took place. But, I want to tell you that if that's a picture of you on your profile, "Damn, you are a very hot woman."
  • Sue him in the county in which he lives.
  • The worst problem in California is not having that much funding for Education and cutting money for students that really need it. I'm struggling to get money to pay for my tuition...and i have to get a job, get some student loans, and sometimes get help from my parents... I really want Arnold Swachinager to give fundings to Education!!
  • Arnold Schwarzenegger.
  • illegal aliens, high taxes, over priced housing to name a few
  • liberals, queers and steers, land of fruits and nuts, Hollywood gayness, and expensive
  • Stop paying for illegal activity
  • California needs to be sold to Japan. Californians believe in a magic fairy world where property taxes never increase, tution is near free, and anyone and everyone can come on over accross the border and go on the dole. Oooops! How are we gonna pay for this????? No worrry, Uncle Sam (meaning the rest of the US) will. This is why LA is now a cess pool.
  • I think California's going to have to brace the voters with the need to make A Decision, where illegal immigration is concerned, and raise taxes to pay their own debts.
  • What Swarzenegger thinks should be done is to create a much bigger health care program covering illegal immigrants and their kids, apparently. He is to announce it Monday. The Republicans are needed on any funding bills, though, and they say he may as well not bother.
  • bush should stop going on holiday as much and give more money to the people illegal or not. Humans should help each other out
  • blah blah blah why dont u ask a better question like why is america speding billions in iraq when there are schools that need to be fixed in america, they could offer better school lunches too, we need to step up on education cuz the japanese are starting to out do us, we used to be on top now we arent
  • Get rid of Schwartzenagger.Throw out all the Illegal aliens and block the border, but that will not happen because of all the nuts that live there
  • stop spending on those illegal aliens. quit giving them welfare and free medical, ship them all the hell outta here. The U.S. doesn't even take cae of it's own but if your an immigrant you can get any damn thing you want. that is ****** up. They all needto be legal and speak english or get the hell outta dodge!!!!!!!!!
  • Ask to Arnold Schwarzenegger if that's true. He knows the answer to your question better than you do
  • I'm just happy our esteemed govenator plans on spending another $2 billion on giving these criminals even more free services, for those of you who don't know what i'm talking about hes planning a "Universal Healthcare System"..... great..... i know we all love taxes.
  • California - State law restricts selling or giving handguns to juveniles under 21, and other firearms to juveniles under 18, except for supervised loans of firearms or for limited lawful activities (such as hunting). State law requires handgun buyers to obtain a "handgun safety certificate" (like a license) prior to purchasing a handgun. The handgun buyer must pass a written safety test and a hands-on safety demonstration and provide fingerprints and proof of residency. The certificate is also required for anyone who wishes to be "loaned" a handgun outside of the presence of the owner.
  • You must be at least 18 years of age go purchase a firearm in the state of California, look at the link I give for my source for further info
  • Regardless of what state you live in, you have to obey the federal age guidelines. 18 for rifles and shotguns, and 21 for handguns and ammo which can only be used in handguns.You also have to abide by state and city regulations.
  • What type of weapon??? CA has the strictest Gun laws in the country!!!
  • FHA requires your taxes and insurance to be escrowed. On a conventional loan you have the choice whether or not to have escrow account.
  • convinced and no. you'll finally end up paying some thousand for resources tax, even with the indisputable fact that the lender is rolling the tax funds into your loan charge, putting the more advantageous in an escrow account (alongside with the resources proprietors insurance) and paying them out of the escrow account. This guarantees the lender that the taxes are paid so as that liens arenot placed on the resources.
  • no Fha requires them to be impounded with your monthly payments along with insurance
  • what's the diff? - it's easier to budget stuff monthly rather than quarterly
  • "Every person who possesses in any public place or place open to the public, carries upon his or her person, and every person who sells, offers for sale, exposes for sale, loans, transfers, or gives to any other person a switchblade knife having a blade two or more inches in length is guilty of a misdemeanor." yes they're ILLEGAL in California unless you purchase one with a blade less than 2 inches
  • Can I get a home loan with a FICO score of 540 and an annual income of $65,000. I want to move to South Carolina but haven't found anyone willing to work with us. Most are requiring a 580 here in California so I was curious if it was possible. If you know of anyone who is willing to work with me please contact me.
  • i would recommmend that you just continue to build your score i am a resident of southcarolina so i no here they are very funny about things like that. Im not saying they wont help you but i would recommend building up your score a lil more before you keep trying to get a loan. the intrest rates are going to be terrible with a 540
  • Hi there, If you can hold off of buying and wait a few months to increase your score you'll attract far better rates. If you haven't already, get a copy of your credit report. Dispute any old (7+ yrs), incorrect or false infomation. Credit bureau has 30 days to reply. If you have any overdue/overlimit accounts get them paid in full or at a minimum get them current. While you're score won't germinate over night it will start growing. Even a score under 620-650 will be considered subprime. You have a pretty good income. Also try and save as much as possible towards your downpayment, this will always help you. Good luck!
  • Until you are given notice to pay some where else, continue making payments to the current loan servicer. If the servicer changes, you should get notice from the old and the new that a change has been made and an effective date to start making payment to the new. You may want to follow up with the current servicer just to make sure they are still the ones to receive your payment. Don't just assume. Some mortgage companies have really poor notification systems.
  • As a real estate agent I can tell you that banks and other mortgage lenders routinely issue mortgage bonds and sell them. Sometimes the loan changes servicer. I don't know what you can do about it. Regarding the law, I'm a real estate agent and only a lawyer can address your question "what is the law".
  • I moved there before. Driver's License within 10 days. Vehicle Registration fees paid within 20 days Vehicle Registration requires a smog check first, and California insurance in the vehicle Vehicle Registration requires a title. If there is a lienholder (loan) it complicates matters and they often have the title. They need to approve a title transfer or pay off the loan, but that takes time. Would have to look into that. You fill out the DMV Registration form and do the smog check You do the license You get all the paperwork in for the title+registration https://www.dmv.ca.gov/newtoca/newtoca.h...http://www.smogtips.com/moving_to_califo...http://www.dmv.ca.gov/vr/newvehicle.htmhttp://justsmogs.com/extras/new-to-california http://www.dmv.ca.gov/dl/dl_info.htm#two500 No driving test if licensed from another state, but you have to pass the written and have appropriate ID Birth date verification and legal presence requirements
  • 1
  • Yes! Welcome to the Golden State. You must Smog check any change of ownership or new registration.
  • you can definately get loan. take a partner who is experienced as without experience starting this business may be a little risky all the best
  • It particularly relies upon on an excellent style of stuff, yet an excellent style of it particularly is desperate by your budget. what's a lifelike hire discern in case you're making plans to stay on my own? What approximately utilities? Groceries? How many times do you consume out? once you paintings out a month-to-month budget, you've gotten an theory of what you prefer. you should additionally evaluate the way you're making plans to go your stuff and what belongings you are able to truly take with you. in case you are able to desire to thoroughly grant a sparkling condominium, you are going to prefer a lot extra funds. in case you are going to would desire to hire movers or hire a U-HAUL, you are going to prefer extra funds. in case you have a chum with a van, you will in basic terms prefer funds for pizza and beer. finally, you may decide if shifting out on your individual is even lifelike for you good now. in case you think of getting ten grand at the same time will take you years, you in all probability won't manage to have adequate funds to stay on your individual interior the 1st place. -edit- i might say shifting out is slightly unrealistic good now. whether you detect an condominium for 4 hundred a month (it particularly is noticeably low), you would be spending 0.5 of your month-to-month earnings on hire on my own. the final rule of thumb is to spend decrease than 1 / 4 of your earnings on housing. in case you're in a position to spend in basic terms 2 hundred$ a month on hire, i might anticipate you have been the two residing someplace particularly sketchy or which you will crammed 3 human beings right into a 2 mattress room condominium with you. i assume the real question you are able to desire to ask your self is whether or not you prefer to stay on your individual or not. it particularly is properly worth waiting till you detect a activity which will pay you extra. i particularly does not propose shifting out till you made a minimum of a grand or extra a month. 800$ is an exceptionally limited budget and that's probable going to get you into financial hardship rapidly.
  • sure, the california dept. of real estate
  • Cali dept of r.e. or your state attorney general, or even hud if they violated federal law...
  • The bank does hold your title until the loan is paid off. Then they send you the title. If you sell the vehicle, say trade it in or do an outright purchase with a dealership, they pay off the loan (called a payoff) and get the title from the bank, then sell the car w/title to another owner. If you sell it to a person, they would write you the check, you pay the loan off, then you receive the title and turn it over to them. Sorry, I know it sounds complicated!
  • The bank will release the title after it is paid for. You can contact the bank for a pay off amount so you know what you need to pay it off. If it is payed off, contact the bank and have them mail you the title
  • it would be a real loan, not a bail out California is the 7th largest economy in the world. California pays Far more in Federal taxes than any other state.
  • Tenth largest economy in the world. Arnold Schwarzenegger as a Republican governor- can we afford Republicans period? You want to cut us loose- take back all of the Mexicans your administration let in and let them hang at your Home depots. No problem here. I'm sick of suffering your Presidential choices anyway. You want to fight Islam for 100 years-go right ahead. I just don't want to participate or pay for it, thank you very much. In very short order we could become even more prosperous.
  • California is in Debt because of the monetary system. All money that exists right now is loaned money. If everyone paid off their debts. No money would be in existence, and therefor is impossible for a government not to be in debt. Since banks create money from thin air, the problem can be solved by making it so they can not.
  • DO you recall Governor Arnold who was Elected to "save" California ?
  • Well, there was a court case recently in California in which the court ruled that money to repay an old man's (overdue) student loans could be deducted from his Social Security benefit payments. So apparently the answer is: forever ... if the loan is not yet paid off.
  • Have there been any legal challenges to the state of California's confiscation of taxpayers' refunds? Is there a legal basis for the state taking control of other people's money as an interest-free loan?. If there is a legal basis, is there a time limit? Or could the state, if it so desired, hold the money for 100 years?
  • They actually do start to owe interest after April 15th. It's interesting that they can take money from people each year, and that doesn't make folks mad -- but if they promise to give it back, and take longer than expected, it's an outrage. If California gets in the habit of delaying refunds, or paying them in IOUs, I'm sure people will get used to it after a while, too.
  • If you are getting a refund, you have already gifted the government a upto 12 month interest free loan. Reduce your withholdings and get more every week instead of year end only. Legally, a taxing unit has until the due date for the return (April 15) plus longer to do refunds. So, nothing you all can do until after May 1 or so. But, suing the state will only cause them to spend more money, which will raise your taxes (again) and still not have enough.
  • a million. If she did not help them, the declare became unlawful. 2. lower back, your sister in regulation claiming the youngster = unlawful 3. So your spouse has been committing reward fraud and you tax evasion for some years. a million. truthfully, do not something with reference to the previous, it is going to purely contain you payign a great volume of money. 2. in case you're married, you are able to not document unmarried. 3. the two ought to/could get in difficulty, and you're able to too 4. document Married submitting one after the different 6. She dedicated reward fraud. she would be in a position to bypass to penal complex, or on the minimum be compelled to pay all the a refund.
  • No, because the budget has been passed and the refunds are flowing again. Plus, they weren't confiscated, just delayed while the state was out of money; had the state filed bankruptcy, however, then we all would have been s.o.l.
  • yes there will be a couple of issues. The comps must be comparable, so they must have close to the same amount of acreage as the house you're buying. The other issue will be the land value to building value ratio which means the land can only make up 30% or so of the overall value. For example, if the purchase price is $200,000 then the 20 acres can only account for $60,000 (+/-). The final issue for a conventional loan will be how far away the comps are, if the appraiser has to go 5+ miles to find true comparables, the lender will have issues because it would be considered rural. You may be better off trying to purchase this home with a USDA loan. In addition to covering rural areas this loan also allows for 100% financing without monthly mortgage insurance.
  • Well with just the GI Bill and any school - the best bet is to stay for a year and become a resident. Which you probably already figured out, but as unbearable as it sounds people do manage to do it. Though you should know many schools participate in Yellow ribbon programs (UC of Merced for instance). They may not be the schools of your top choice or in the region you wish to locate but some are still really nice schools. In some cases you might need some help but not a Sh!tload:) of loans- A good idea is to contact the financial aid office of the institution you're interested in directly and inquire about the average dollar amount other out of state Gibill students pay out of pocket after Yellow ribbon program. Even better some hunt hard for additional grants-just usually one more source not only puts them through but provides for misc cost . For instance, I would check out grants from local -big and small civic groups and private organizations in Iowa, - try starting with link below-plus you're not just limited to military related grants Good Luck!!
  • you need to use your GI bill at any accepted college interior the U. S. and distant places. So in case you p.c. to circulate to California for college definite it is not an issue as long because of the fact the college is accepted with the VA
  • Hi Go here http://www.gibill101.info This is so much better then getting some random person on yahoos opinion (which could be wrong)! Once you get to site you need to fill out 4 pages of simple questions like what branch of military your in or were in, when you will be discharged etc. After that its all answers! Sites run by military.com so pretty sure they will know more then anyone here, lol. Tory
  • Not in general. Sometimes you can get reductions at some teaching institutions in high-need areas such as nursing, but not overall. There are other areas where you can get student loan reduction, such as teaching or working in a rural or high-need area (like reservations), and going into the Peace Corps or AmeriCorps. It also depends on what kind of debt you have (public or priivate).
  • I've never heard that. Since professors make pretty good money, you can pay it off yourself. Also, they don't need to recruit university professors - there are plenty of people who want the job. However, there ARE some programs that will pay off part of your loan if you teach public high school in high-risk areas.
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  • hi...i don't need a loan..but i need your help...i'm an accounting major graduating student and our thesis is to make an accounting system..we've defended it but we lack the accounting process for the Long Term Investments revenue process..is there any chance you can help me? thanx!
  • California courts are not open on Saturday. These days they are not even open on all weekdays. While your offense is a misdemeanor, it carries only a fine as maximum punishment. However, if you are under 21, it can also result in a 1 year driver's license suspension. Since this is a misdemeanor, you will be entitled to appointed counsel if you cannot afford an attorney. You might like to discuss whether there are any dispositions that will protect your license if you are subject to suspension. Drug convictions like this can also affect your ability to travel out of the country, obtain student loans, etc.
  • yes courts do misdemeanor cases on saturday if u are in jail...and on sunday as well...... since u are obviously not in jail no they will not........ most likely probation..... if u have never been in any trouble b4 i would suggest asking for a youthful offender program or...a pre-trial intervention program..... will cost u some more money and u will end up doing community service(u might anyway depending on judge) but u will have a clean and clear record if u complete it...which will help u in the future with jobs/schooling/ect....
  • 1. Depends upon your location/jurisdiction --- probably a better chance for night court. 2. Probably a slap on the wrist, perhaps probation or community service.
  • 1. Doubt it 2. Most likely prohbation. Oh yeah, if you were in jail for any amount of days, there is gonna be a bunch of fees.
  • Criminal Record Search Database : http://InfoSearchDetective.com
  • You only would get a loan for a mortgage, not rent. If you don't have a strong credit score, a job with a decent salary, and proof of funds then good luck. your gonna be charged for 3months for a deposit.
  • You will not get a loan for $1200 to $1300 for rent. Unless you have a job, paycheck stubs and a checking account and hit up 2 or 3 payday lenders, you won't be getting a loan.
  • no one is going to lend you money for "rent" and if you can afford to pay it back or afford the rent in the first place, you shouldn't need the loan do you have a full time job that pays at least $3500 a month? if not, then you cannot afford $1200/mo rent and it will be tight even at that income level
  • Known as a Starters Gun. Usually a modified weapon that fired blanks (shell or caps with powder no bullet) California law: 12070 (16) about prop guns as they call it must have a license to loan or sell?? So I would think to own it one must have a license or have it registered. Rational: the weapons have been modified, to shoot a bullet, but; are not manufactured for that purpose.
  • Your question is ambiguous which is why the answers are confusing. Ornery is referring to a starter's pistol, which cannot fire a projectile. (This is not usually a modification--that is the way it is manufactured.) That is not a firearm, and is not subject to any firearms regulations. However, if it LOOKS like a firearm it may be a replica firearm which, unless manufactured or painted in a distinctive color (not just an orange tip), can be illegal to display in a public place. While Asho uses the term "starters gun," he is actually referring to a firearm which CAN shoot a projectile, but is loaded with blanks (blanks are cartridges which do not include a projectile and usually have a reduced load of powder), which is what Pen C 12070 involves. Because it COULD shoot a projectile if loaded with a standard bullet, that is still a firearm, and is subject to all applicable regulations for a firearm.
  • A "blank" firing gun is all noise, no projectile! It has a charge of gun powder, so when you fire it ... it does make noise. Sometimes referred to as a "starter's gun" because they are used to start some races. They are great for their intended purpose ... making a noise like a gun without a projectile. They should never be considered for self defense. A noise maker is no match for a criminal with a real, projectile firing, handgun. If you are still interested in owning a noise maker, you might want to check with a lawyer in your area before purchasing one.
  • It would be illegal to discriminate against you because of your age. If you have a good enough FICO score, enough money for the down payment and closing costs, and have enough income you should be able to get a loan. The question would be are you still eligible for a VA loan. If not there shouldn't be any reason that you couldn't get a FHA or conventional loan.
  • So I have graduated from a University of California and have a heft sum of $25K in loans to pay back. However I'm an Italian citizen (so permanent resident here in the US. I was wondering what would be the repercussions of moving back to Italy without paying back my loans. It's not something I want to do, but since money is very tight with my family I was curious about the option itself. Thank you
  • Shame on you.
  • Deadbeats like you disgust me.
  • No. You will pay nonresident tuition for your entire academic career unless you can meet the criteria for reclassification. If you are an undergraduate student, this is basically impossible. For the University of California, getting reclassified means showing non-loan, non-parental income of at least about $60,000 per year in addition to meeting several other criteria.
  • southern california is the most saturated market in the country for real estate agents, loan officers, etc. the market is going to be heating up in about 6 months. so it is not a bad time as it is a buyers market. it is a bad time if you are new and come into the market with no connections. if you dont have a large network of people that would do business with you and refer you, you will be in trouble. you would simply be a rabbit in a wolves market. tough markets weed out the weak and leave the strong. its not the market, its the competition to worry about when things are slow.
  • No way. This is probably the worst time to be a realtor. The percentages have gone down and even the most experienced are having big problems. It is better to be a appraiser or title company person if you need to be connect to real estate industry.
  • No! Go do something else. Realtors will be getting OUT of the business in the next 3 years in droves. If the discounters take over, there won't be any Realtors left. Buyers and seller's will be on their own. The lawyer's will have a ball in that kind of market. Hope this helps. P.S. Read this report if you want a peek into the future. http://www.dynamictraders.com/images/Spe...
  • I went to varsity there for 4 years. The longer I stayed, the fewer I enjoyed it. it rather is this extraordinary phenomenon, very almost like the folk who like it only like it and can't be confident in any different case. What I see is a sizable style of sturdy looking, yet shallow human beings dropping their time ingesting too lots and partying with one yet another. Renting and procuring residences is so high priced there that many circulate out of state. in case you like dwelling in a house with 5 roommates, you will have not have been given any subject, yet it is not for each individual. Southern Californians have a tendency to be superb and extremely well mannered on the exterior yet very vapid and clicky. To me they're all comparable, they pick to social gathering, drink, and cling out with their buddies. (remember my view is amazingly slanted in direction of college age young little ones yet i do no longer think of they improve out of it). very few had hobbies or thrilling and unique skills and hobbies. i think of every physique from California often likes it and is used to it. every physique from the different 40 9 states often dislikes it till they're into the form of element above. i would not circulate there back if somebody paid me $200k a three hundred and sixty 5 days to stay there. once I moved back to my place of birth I made extra genuine buddies in 6 months than I did in 4 years in San Diego. i think of it rather is easy: in case you like it, you nevertheless like it, and in case you dislike it, you will proceed to dislike it till some area of your character modifications that makes you like it. great climate and nature in spite of the incontrovertible fact that :D
  • I want to file bankruptcy in california but i am married , all you the credit cars and loans are under my name only . If i file bankruptcy can i do it myself without my wife or by law do we have to do it together . If by law we have to do it together does it work if we get a divorce , since all the loans are under my name. and then i just do it .
  • You can file bankruptcy and list any assets you have if she objects then she will have to hire a lawyer and fight it.~
  • only whats in your name
  • You would have to get loans from Canada, like a Canadian bank or the normal way Canadian students get financial aid.
  • After you pay off your loan, the lienholder will sign the title and mail it to you. If the lienholder is in DMV’s Electronic Lien and Title Program (ELT), the title will be automatically mailed to you. The ELT is a voluntary program for lienholders that provides the lienholder with an electronic (paperless) certificate of title in lieu of a paper title. ---------------------------------------... If you don't have it within 30 days, call and inquire.
  • Car Title California
  • I am a Notary Public in California. I have not been active since March 2007. My commission expires March 2010. I believe I purchased a $15,000 bond/4 years, when I became a notary. Do I need the errors and emissions insurance as well? I used to be a Notary signing agent, doing loan documents. What should I do?
  • You should absolutely have E&O insurance. That only protects you from claims rising out of official notary duties, assuming you have used reasonable care in the performance of your duties. Such as checking ID and never any ID that expired over 1 year ago. Your bond protects the public, not you. If a claim is made and paid on your bond, you are required to repay the bond. A "signing agent" does more than just notarize documents. The additional duties are NOT covered by your E&O insurance. You need special insurance that will cover these acts as well.
  • I live in california and got a payday loan about 4 years ago at that time I had every intention to pay back. But I had unexpected withdrawals from my bank account that put me at overdraft. Right now I have been unable to pay them back because I have more debts than what I make. I recently had a baby also and have been on disability which is less than what I would make at work. They called my mom and told her all about this( are they allowed to disclose information to other people other than myself?). They told her that I had to call them back that same day or they would send someone to arrest me.
  • I believe they are not legally talk to your mom or anyone else about what you owe them unless your mom co-signed the load with you. They can call your mom and ask her to have you call them. They are not allowed to threaten you or anyone else. If you still have the paperwork, look it over and see if there is a phone number or address to report unfair practice. If you have paid it off and they still claim you owe them, ask them to send proof in the mail.
  • They cannot arrest you, or even threaten to. There is a common scam involving companies who claim you had an old payday loan and if you don't pay NOW you'll be arrested. Do not pay anything until you're SURE the agency is legit. I'd bet a months pay this one isn't.
  • They can not have you arrested and it is no legal for them to even threaten that. They are also not suppose to be discussing your business with your mother or anyone else.
  • Get up to $1,000 => http://qw.fastloans.pw/rev
  • No, they can't. That is illegal.
  • Of course, they did work for you. They did work you cold have done yourself for free, but they did do work. You paid them to help you. I GUARANTEE that your contract does not stipulate they have to be successful, since they could NEVER guarantee that.
  • You will need to review the contract you signed with such firm. If it is a contract for services provided with no guarantee of success, yes, you have to pay them.
  • No. do not pay them. That company is a scam. I recommend that you file a written complaint against them with the local district Attorney and with the Attorney General for the State of California. You should also file a written complaint against them the California Department of Real Estate.
  • Get investors, sponsors, partners or loans and start a business. California has a suplus of qualified skilled workers at this time that is willing to work for lower than they are worth. Good luck
  • Sell Plasma pawnshop Day labor/Temp agency
  • Have a yard sale. Instant cash. You can also advertise stuff you have for sale on your local Craigslist.
  • Sell your stuff.
  • I own a Notary Company in California . I notarize Mortgage Loan Documents. The Escrow Company Charges $ 250.00 to Banks, Buyers, Etc. to Notarize Loan Documents. I give Escrow a Bill for $ 200.00 .. I found out that the Escrow Officer and her assistant pay themselves $ 50.00 out of amount that shows on closing statement to Notary for Fees for $ 250.00 . They are NOT a Notary Public.. Out of proceeds I get paid $ 200. and they pay themselves $ 50.00 . Checks are made out to them personally ..They are not disclosing to the client that they are getting this $ 50.00. A second person in the office signs the check ??? If Escrow has an over-payment the money should be returned to the client . Is this Fraud ?
  • Yes it's fraud and against TRID guidelines.
  • Escrow Officers and Assistants are paid a Salary for their work .. The Closing Statement doesn't let the Client Know they are receiving this extra " money " payable to themselves . They list it under notary fees and are hiding it. I will take appropriate action .. Thank you for your responses ..
  • It's unlikely to be illegal or fraud. It's money that they are getting paid to prepare the documents for you to notarize.
  • No.
  • Already answered in the mortgage section. CA is non-recourse but easy for lenders to get past.
  • I went to a medical/trade school, and i was never given a bank loan. they let me continue my education with a private given from the school it self. now i never graduated and i was withdrawn from the school. if i dont pay what will happen? Will it ruin my credit? will they send me to collections? will they take it out of my taxes? please answer i live in california so those are the laws i go by.
  • If you don't pay it it will be sent to collections, and it will ruin your credit. However, because this loan was given to you directly from the school, I don't think they can take your tax returns or garnish your paychecks.
  • Doesn't make sense. Some one whose name is NOT in title cannot get a loan on the property. Seek legal advice with all your paperwork. 3-5 years before you could purchase a home with most lenders, some longer. You need good credit, down payment (3.5-5%FHA, 10%conventional, minimums), stable employment, adequate income, low debt ratio. So you have time to BUILD your credit rating, month by month, and to SAVE for down payment. More you raise your credit rating and more you put down, the more likely you'll get a loan.
  • Why would you let it go? You own the rights, not your stepfather! Why don't you refinance that loan and take possession of that home? If not, you may have the foreclosure records on your credit.
  • The California Secretary of State, Notary Public & Special Filings Section. Contact info is here: http://www.sos.ca.gov/business/notary/contact.htm
  • Well, since California is supposedly broke and asking the federal gov't for a huge loan...I don't think they could possibly become independent.
  • No because the government can't afford / keep the people alive if Cali becomes it's own independent country.
  • CALI RULING THE WORLD ITS OWN WORLD UH I DONT think so
  • Nah. That would be kind of pointless.
  • Yes... We'll call it... West New Jersey...
  • of no concern to me
  • no. WTF.
  • why....
  • With an impending divorce, the wife wants to take the husband's name off the two properties they both own, so that he cannot claim it as an asset. (Understanding that liability for the loan is a different issue.) What happens if he does sign it? Will it hold in a court of law? The wife doesn't want the husband's future wife or stepchildren to have any part of the proceeds.
  • If the husband signs the quit claim he effectively has no ownership of the property, but in the same regards if the loan on the property goes into default by California law he will be responsible. I had this happen myself. My ex wanted me to quit claim the house in exchange for him paying all of the outstanding bills...he said he would fix it up (it needed some repair) and sell it and pay the bills. 10 years later I filed bankruptcy and he still has the house and is on marriage number three. I don't recommend quit claiming anything obviously...my prayers are with you =)
  • They obviously both have attorneys by now so the legal beagles should be earning their keep by answering this for you! Just and FYI, if you do a quit claim and he signs it, the court can STILL do what they like with assets if they decide it was a fraudulent transaction, meaning done to basically screw the other party or hide assets the court is supposed to be ruling on. Just because its signed doesn't mean its binding when you're in the middle of a court action. Ask your attorney the best course of action, CA law is M-E-S-S-Y when it comes to divorce! Good luck.
  • A quit claim deed is used to basically quit any claims on the housing rights. In other words, the Quit Claim Deed relinguishes the signer (or in this case, the husband) from any rights to the home meaning, equity, refinances, selling, etc. If he doesn't want to sign, you could always issue a Lis Pendens. A Lis Pendens holds the property until further notice, meaning he cannot sell or do anything to or with the property. You can get further information from your County Recorder's office or from a Family Law attorney.
  • You will get the property and the payments converted to you if you change all proper paper work. It is yours and he is out of your life forever. Don't worry about future wifes and children. Make sure he quit-claim it to you. Silver Birch
  • Yes. You can still take him to court. But, I hope you have something in writing or PROOF. Otherwise, he's just going to say, "what money? I don't know what you're talking about" or "yeah....he gave it to me. But it was a GIFT, not a loan" And, you'd better be able to prove otherwise or it's just your word against his. Again, hopefully you have it in writing. If not, then you're a fool for loaning someone $4000 WITHOUT getting in writing and deserve to lose it IMO.
  • Did you try to talk to him? If not, please do so immediately. Tell him that you will sue him, and what would be nice - if you had a hidden camera and show it to the judge, if need be. Or maybe a tape recorder. If you have already talked to him & he needs more time, try to understand; do not put the rope on his neck. But if he simply does not what to pay you back, then have no mercy. However, I would still suggest you have one last chat with the gentlemen. If talking to him results unproductive, then you have no choice but sue him. Prior to doing this, gather all evidence you can - the tape I mentioned would be very handy if you could obtain it. If you have something in writing, a contract, with his signature, saying that he will pay you back, then keep that safe and show it to the judge. If not, a verbal agreement is still legal - I am not sure if it is legal in your state; I hope so. Make a good case. Try to tell the truth and show that he is a liar.
  • In California you would have up to two years to sue if it was a spoken agreement and up to three years if it was a written agreement. Hopefully you have it in writing. If not, get to court ASAP.
  • Did you get it in writing? If it's in writing you can probably take him to court. If not, you're out of luck.
  • In California, any person can own property. This includes a 15 year old. HOWEVER, a 15 year old can NOT get a loan, and can NOT sell the property until they are 18. In a few exceptional cases, where someone under 18 years old is married or has been declared emancipated by a court, they can sign legal documents.
  • You can OWN property and be a minor...if someone transfers property to you, the grantee (the person receiving the property) does not sign the deed...only the grantor. That is why you don't have to be of legal age to own, because you are not signing a contract to have property deeded over. However, PURCHASING is not the same thing...that requires a real estate contract, and you have to be of legal age to sign a legal contract.
  • No. A 15 year old can not enter into a legal contract anywhere.
  • I believe most states require homeowners (or property owners) to be of legal age.
  • don't think so. legal age to own is 18. nice try though! lol
  • There is no CPS,Inc in Irvine,California 92619 I Looked it up, Typed in the name of the loan company, and the address and zip code. Said there is no CPS,Inc. in Irvine,CA.
  • Funny! 100!
  • For the best answers, search on this site https://shorturl.im/awM0ldude, this was great! I LAUGHED MY HEART OUT!
  • Liability insurance is mandatory in California, but GAP insurance is an option. What GAP insurance does is, if your car is declared a total loss, it will pay the difference between the fair market value of the car, and what you owe on the loan if you owe more that the car is worth.
  • In states where auto insurance is mandatory, people are only required to have liability insurance to cover damages to another person's automobile if they hit them. They are not required to have any coverage on their own vehicle. That is an entirely personal decision that people are free to make. They can protect their asset, or not protect it. People are also not required to own or drive vehicles, so they do have a choice to not have liability coverage on an auto if they don't own one. Mandatory auto insurance laws are also written and enforced at state level, as they should be. The health care bills are federal level requirements, which should never happen. There's a HUGE difference between state level auto insurance and federal level health insurance mandates.
  • It is the finance company that is requiring it not state law.
  • This is a baaaaad idea. you're willing to borrow money for someone you're not married to? What if she dumps you 6 months from now? Then what? If you can get the loan like you describe (which I doubt, I don't think the bank can put a lien on property that isn't legally owned by the borrower ), but have the car in her name, you'll still owe the money and she'll have the car. You might think it won't happen, but lots of relationships and marriages end when one party or the other didn't think it was possible. At least if you're married you can put it in both names. Do some searches on these forums - there have been countless questions from people that have done things like this and they've gone bad and now they're asking people what there options are. Don't do this - Buy her something you can afford without borrowing money. Or at least buy the car in your name and tell her it's hers to use - but if you guys break up you keep it. You're paying for it, protect yourself.
  • 1
  • Just request that the title work reflects her name as well....
  • NOT A GOOD IDEA...SORRY...BUT TO ANSWER THE QUESTION LET HER BUY THE CAR AND YOU CO-SIGN THE NOTE,IT HELPS BOTH OF YOU
  • Today I just received an ineligibility notice regarding my financial aid status in receiving grants. According to the letter, it is due to expended state grant funds. I've been out of high school for two years already, mainly because of financial reasons. I'm mentally ready to go back into school, but it's so hard to prepare myself when I don't have the financial means to go. I already know that my parents aren't making enough to send me to school. All I want to do is take the courses, I wouldn't have to worry about room & board, etc. I'm also trying to avoid a debt because I don't know if I could pay back a loan in a timely fashion. What can I do? I'm frustrated and feeling hopeless about my future.Thank you if you can help.
  • Are you in California? CA ran out of state grant funds last year, too. They aren't telling you that you aren't eligible - it appears that you are. They're telling you that they ran out of money to give you. That's very bad news. You're smart to worry about the loans, if you think you couldn't pay it back. The only thing I can think of is to first, talk to financial aid at your school and see if they have any other resources for you. If not, then if you're willing, talk to the National Guard or Reserves. They'll pay your tuition at any state school, plus give you a salary. In exchange, you work for them one weekend a month, plus two weeks per year. You'd be a part-time soldier, full time student. The issue, of course, is that there is a risk you'd be deployed. But they would pay for your schooling, and they look good on a resume, and they'd give you a salary, so if you're willing to do this, you'd likely be better off than you are right now.
  • Why would anyone that does not know you take you up on that offer knowing that, if the loan defaults their credit goes down the drain? I doubt that you will find someone dumb enough to take a risk like that. Really, the only people that should co-sign for you are relatives or close friends.
  • Unless either of the loans have sky high interest, it is not necessary to consolidate. Federally funded student loans tend not to garner very much interest and have a post-graduation grace period. I would attack the credit card debt first but make sure you keep the s/loan in good standing so that you dont default.
  • Student loans have low rates. Why would you want to consolidate these? That would be silly. Work on paying off that credit card debt. Carrying balances can cause serious damage to credit scores. And.. usually carry very high interest rates. Stop using the cards today.
  • no way will that happen
  • The tuition at the California Culinary Academy Le Cordon Blue will run between $32,000 to $48,000. I know this because, I have a daughter going to school there right now. $32,000 is for the Baking and Pastry course and $48,000 is Cooking course. The rent on the dorms $600 a month with a roommate or $1,000 a month for private room, but this can be paid my the Sallee May Foundation (loan). Also includes their uniforms, hats, towels, shoes, and all utensils used in the course. They have a bus to take them to the different parts of the school. Part of the Academy is in the bad part of San Francisco called the Tenderloin. .The regular bus transportation is $1.50 each time you ride. Hope this helps you.
  • I sold my home in 2006 under a short sale. I lost my down payment of course, and the bank lost on the short sale. The California has come back and put a lien on my credit profile for $30,000. Apparently the mortgage company 1099 me the difference of the mortgage balance and the resale short-sale price, with the Franchise Board wanting a tax of $30,000. Can someone explain what happened and how can I fix it?
  • When the bank writes off your loan because you cannot pay, the amount they write off is taxable income by both California and the IRS. You have to pay taxes on income. Expect a bill from the IRS too.
  • Well USC is a great school especially regarding science. I have the same issue that you're having, I was accepted to UCLA and St. John's University. I'm trying to decide between the two. UCLA is great and I'm from California and I won't rack up a whole bunch of debt but STJ has the program that I would like to get into. Ugh I'm frustrated. However, if you would like a new experience and would like to go to a school that is well respected and very selective then choose USC. If you don't want major debt and would like to be near family then choose UW. I'm majoring in biology also, I'm worried about debt also because both debt from med school and undergrad school (at STJ) will leave me with a whole in my pocket. Choose what is best for you. What direction would you like to go with your career? Make the choose that is most beneficial to your future success. If your parents can get a PLUS loan your debt won't be that great. Since it will be your parents debt. Make a list of the benefits of attending each school then evaluate each option. You can choose this way.
  • Ha those are actually two of the colleges I'm applying to lol but if I were you I'd get the hell out of Washington and go down to LA cuz regardless of the price USC is a much better school and also congrats on getting in! Especially considering you want to study biology I'd go to USC. I'm a washingtonian myself and I can't wait to get out of here (UW Is my back back up) and move to cali, hawaii, or south korea lol XD
  • UW is by far the better value. Don't go into debt for a school that only Californians care about. Also following a boy around is terrible idea, unless of course you want to end up in a trailer park.
  • Since I am a loan officer, I know my company has around 2,000 LOs in the country. I am thinking there are close to a total of 10,000 Loan officers/brokers in California and maybe 50-70 thousand in the country. There were a whole lot more though last year.
  • You are incorrect. Whether there is a prepayment penalty depends on your specific loan. It has nothing to do with the state you are in or the type of loan you have, at least not in California.
  • You need to read your mortgage contract. Pre-payment penalties are not illegal anywhere. Whether or not there is any sort of penalty is determined by your contract language.
  • You have to read your specific mortgage terms.
  • I currently reside in MI. I went to California for 3 weeks and all i could think of is how good i felt and how fun it is. Back home, MI, I hate the weather, summer lasts or a good 3 months, but then it rains and snows and it just makes me feel crappy when the clouds are grey and the air is cold. The warm weather in North-Cal and the one rain when i was there was enough for me to want to be there. I am 18 years old, looking for a college, I already have to take out a small college loan but i want it to be worth it you know? I already have a job, I am already making 23k a year as a electrical designer, but as soon as i start school, im going to stay at this job just for the money, I have to say im not a greedy person, but this is not what i want to do for the rest of my life, I already know, and have known this. My question is, should i pack up and leave? My grandma told me to try something new before she passed, this may be it? Thanks a ton!
  • Now is the time to give it a shot with this caution: You are considering moving from one financially distressed state to another (with a significantly higher cost of living). You may be astounded at how little your 23K will get you on the West Coast. This may not concern you right now but consider the near future. Presumably you will want to get a job and be a productive member of society, perhaps buy a house. I know you are young but try and get past the weather and beach attraction of California and decide if the future looks bright for you. 3 weeks of vacation feels good in many places, living there is another story.
  • Since you are 18yo and have some ability to survive , go with your dream, college first, then money. CA job situation is better than MI, so you needn't worry about lost. And bay area has some best school of electric engineer in the world. And graduates with EE make $100,000 in CA.
  • Line up a job before you move here because trying to find a job in California is very hard. As hard as Michigan. But if you do get a job here or are going to college, then its a great place.
  • YES U SHOULD MOVE TO Vallejo CA OK
  • Fun won't last 4eva, I promise, but what in the freaking **** am I saying, 'COURSE YOU SHOULD!
  • yes. i live in cali and i would say that i've been to other states in the U.S. and they all suck except for cali, florida, and hawaii.
  • Sure. If that is your dream, why not?
  • So I am currently in the University of California system and as many know, the costs have been gradually going up. However there is a rather large jump expected for this year. I currently have enough in savings that I could hypothetically pay my tuition off based on last year's numbers however, if they go up, I may or may not be able to. I currently work but am paid enough to support my day to day life so not much will be contributed to tuitions. So my question is; Should I pay out of my savings fully thus taking on less debt for when I graduate but having less savings or Should I take on a loan (looking at maybe $3000 max subsidized) and save my savings a little more but take on larger debt for when I graduate. I will still have 2 years left including this coming school year and have no idea what my financial aid for my final year will look like since it has been quite erratic over the past few years I have been in school. So, Loans and no savings? or Savings and more debt?
  • With subsidized, it wouldn't be a bad idea if you want to use them this year. Just make sure to send any back that you don't need as soon as you can. With no interest accruing while in school, even if you change your mind, you can pay off the loan with savings before any interest starts getting charged. That and subsidized rates are down to 4.5% this year, so it isn't a bad option.
  • The rule of thumb is 3-3.5 times your yearly income thus $90,000- $105,000. I highly recommend FHA loans for first time home buyers
  • I've always heard the rule of thumb should be twice your yearly salary.
  • Not psychic. Each lender is unique.
  • i love living and plan to make a life living here and want have alot of nice things the nice car,and the nice house i want to become a dentist but im wondering how are these dentist making it i saw a dentist driving a lambo and hes only makes 160,000 a year with taxes taken out he makes only 108,000 a year and he has a nice house thats about 700,000 and plus his student loans that hes paying on how is he living so good on such lil bit of money
  • Most California wage earners pay no more than 3% of their gross for state income taxes. Property taxes are about 1.1% of assessed value. I don't understand how a dentist earning $160k can afford that car, unless he spends 20% of his income for a toy. Showing off one's wealth is costly.
  • They have a lot of people on welfare and they have a lot of illegal aliens. The state pays for their medical care and school and a ton of other things.
  • Illegals, homeless, transients, and every other form of human debris.
  • My brother wants to let me barrow a hand gun for self defense my nieghbors house has been shot at twice this year I have kids in my house and he wants to let me barrow it intell I get it transfered to my name will me or him get in trouble if I use it for self defense or if I get caught with it on the way back home I would have to pick it up just wondering in case I get pulled over I live in California
  • You live in one of the most anti-gun States in the union. However, your brother may legally lend you his gun as long as the loan is 30 days or less. Here is a summary of California's byzantine gun laws. http://www.nraila.org/statelawpdfs/CASL....
  • ok, first, yes your allowed to have the gun with you as long as your criminal record is clean of serious charges like felonies, spousal abuse, heavy drinking and drug related charges and you haven't had any metal institution stays against your will. about self defense, if you mean your carrying it for self defence on your person or it's loaded in any place in your car, you need to have a concealed weapons carry permit. so if you don't have a CCW, have the gun unloaded in a proper case and the ammo in a proper separate case(if locked, better, makes the police see it as more secure, not necessary though, I like cheap padlock sheet metal toolboxes for this). if you mean having the gun in your house, yes it's legal, there is no law that says your not allowed to have a weapon in your home for self defense and it's your choice to have it loaded, but personally, I'd have the gun unloaded, but a loaded magazine or fast loader right beside it, this way if a child or a older child gets a hold of it, they won't be able to use it without previous knowledge of inserting the magazine and racking the action in the case of a semi auto or loading the chambers, closing the cylinder for a revolver and pulling the trigger for either. also, the sound of loading of the gun might give the intruder a proper warning about what they're going to get if they continue intruding your home, likely 99% of all intruders will sh*t they're pants and run if they know the home owner has a gun or other weapon to defend themselves with, criminals are cowards, show a bigger then they have and they wimper and run, no one is harmed and no one gets in trouble, and hopefully the criminal gets a rude awakening from continuing crime.
  • http://www.crpa.org/ Go to “Contact Us” and ask them for a copy of their pamphlet “Summary of California Gun Laws & Basic Safety Rules”. This is one of the best summaries available of California’s complex gun laws. When you receive your copy, read pages 5 through 7. Then send CRPA a donation or, better yet, become a member.
  • Well with out a concealed firearm permit it's illegal to have a loaded weapon in your car or to carry for home use it can be loaded and whatever but in a car it has to be unloaded on Sade and maybe locked
  • maybe you should move...
  • not enough information. You must know your current debt ratio scores and how much you make and what kind of loan you want. There is way to many variables here with just your simple statement. You could make $500k a year but if your debt ratio is 90% of that you will not ever qualify.
  • It depends on a lot of things. How much can you put down? How much you earn. Whether you have a spouse or not and how much they earn. All lenders have different requirements so you should ask them. You'd be surprised though. With good credit and a stable job, most people can borrow a lot more than they think they can. Do be careful though. Don't have a house payment that is all you can afford. Remember that you have to eat too.
  • All other things being ok, they say you afford UP to about 5 times your annual income on a home price. That would be a somewhat agressive approach. In todays markets I would go as high as 4 times your income. So that would about 125000 to make ends meet. Alot will depend on your down payment and other debt factors though.
  • why did your father purchase a house and placed it on your call? you do not favor to be asking this question the following, you want to be operating to a legal professional's place of work with that lending settlement and see what your dad were given you into. are you listed as a borrower on the loan (or the in reality borrower) or on the call. this makes a large distinction. this may flow very very badly. funds and blood do not mixture. and to respond to your question, you does no longer be a first time homebuyer if you're on the call of yet another living house.
  • They will allow your payment to be up to 50% of your income. WAY TOO HIGH!!! Unless it is 30% of your income or less, buy elsewhere. I just bought a house for under $200,000 in CA and already have $30,000 equity. You have to look around and work within your budget
  • It is going to depend upon how much your other credit obligations are and what the interest rate will be on the loan. A ball park figure would be $125,000 to $150,000 per year.
  • Banks and Mortgage companies typically require that the house note not be greater than 30% of your income.
  • Mortgage Calculators – Includes finding if you will qualify for a mortgage: http://www.mortgage-x.com/calculators/Pr...Buena Suerte
  • Student loans have already been reduced, in my opinion. I know that many schools in California have been reducing enrollment and financial aid/loans earlier this year. I'm not really familiar with other schools.
  • student loans will not be effected they will be reduced, colleges and universities will cut down on enrollment. College and Universities produced to many independent thinkers and we need sheep right now.
  • Are switchblades legal to OWN in California? i know it is illegal to be in POSSESSION IN PUBLIC, but can you legally own one? According to California PC. 653k: Every person who possesses in the passenger's or driver's area of any motor vehicle in any public place or place open to the public, carries upon his or her person, and every person who sells, offers for sale, exposes for sale, loans, transfers, or gives to any other person a switchblade knife having a blade two or more inches in length is guilty of a misdemeanor. For the purposes of this section, "switchblade knife" means a knife having the appearance of a pocketknife and includes a spring-blade knife, snap-blade knife, gravity knife or any other similar type knife, the blade or blades of which are two or more inches in length and which can be released automatically by a flick of a button, pressure on the handle, flip of the wrist or other mechanical device, or is released by the weight of the blade or by any type of mechanism whatsoever. "Switchblade knife" does not include a knife that opens with one hand utilizing thumb pressure applied solely to the blade of the knife or a thumb stud attached to the blade, provided that the knife has a detent or other mechanism that provides resistance that must be overcome in opening the blade, or that biases the blade back toward its closed position. For purposes of this section, "passenger's or driver's area" means that part of a motor vehicle which is designed to carry the driver and passengers, including any interior compartment or space therein. This doesnt specify if it is legal or not to own it
  • NOT!
  • errr... Yes... you have to be more descriptive.. if it can be opened simply by the flick of the wrist then you cant carry it.. if you actually have to move the blade with a thumb screw you can carry it... it depends on the county as well... in my area i can walk around with a machete on my hip as long as its exposed open carry. In LA you cant carry a fixed blade longer than 3 inches.. also a new law says pocket knives should have a detente toward staying closed.. which means if its open halfway it should close shut.. i wouldn't worry i carry a knife all the time.. if you do get stopped you will be asked why you carry a knife.. "self defense" isn't always a legitimate reason... i do work for a contractor so one is always in my pocket.. look around online for more knife laws or call a cop shop if your ever unsure.. hope i helped..
  • Switchblade Legality
  • It depends on the university. There's a huge gap between public and private universities, and costs vary from state to state and even school to school. At a typical public school you'd expect to pay between $5,000 and $6,000 a semester for tuition alone. Add on $1,000 for books and supplies, and then another $6,000 or so for living expenses. Total cost of attendance for most kids is around $45,000 for four years. For a private school, expect that to be triple or quadruple. Taking out a student loan is rarely a good decision, but for most people it's the only way to pay for their education. Were you getting a degree in engineering, accounting, or finance, I'd say go ahead, but studying film... you might as well take that money to Vegas; statistically you have about as much of a chance succeeding there as in the movie business.
  • I do not know where other people are getting their information but the schools you asked about USC (Not USE) costs $64,000 per year for tuition and living expenses while UCLA is only 50K for the same. You will not get a student loan from the US government unless you are a citizen. Getting a private loan would be very difficult for someone who does not live in the US.
  • Not only it costs you for the tuition and the dorm, you'll still have to pay for the plane ticket to come home twice a year due to the long holidays. Most university will not let freshman stay at their own dorm off-campus, and during the long break, you simply cannot live there.
  • I had tried to get a loan mod for 3 years with Wells Fargo and was denied 5 times and each time there was never information to "why" i was denied. but on my 2nd or 3rd try i paid for someone to do it and i made my 3 month of trial payments on time did everything like they asked, waited for that letter to arrive saying, WE WOULD LIKE TO CONGRATULATE YOU......But that's not what it read....it was once again...We're sorry to inform you..plus they never took the 3 months they were suppose to give you there answer, it was at least 6 months or more..in the mean time i had to file bankruptcy ch 13. In 2011. Pay a big chunk of change there , if i was paying rent and making that payment i'd really be living in my car, so that means I HAVEN'T MADE A HOUSE PAYMENT IN 2 YEARS ALMOST, So take that wells Fargo for dicking me around for 3 years and F##%ing up my life. So is there someone in California that would talk to me to see if i should try again or Sue the hell out of them.
  • You haven't paid in 2 years are you are blaming them? Seriously? You never stop payments if you want to modify a loan, this is why they are denying you. You feel entitled to stuff other peoples money in your pockets.
  • Not sure where you were financially damaged by them, only frustrated. If they had turned you down in 6 minutes or 6 months, your payment would still have been the same and you would still have ended up where you are. Now, you do have an issue that they did not tell you "why" they were turning you down for the modification. This is pretty unusual because that sort of thing (an "adverse action" notification) is pretty automated these days. I think they did notify you (which they do in writing) but because it was so form-letter looking you might have overlooked it as junk mail. In the end, though, I don't think you have much in the way of anything actionable against them.
  • If you haven't paid in two years and they haven't foreclosed, then you have nothing to complain about, you've been living for free for two years on their dime. You have nothing to sue for, you are never entitled to a modification. DId you ASK why? Try that.
  • I have an idea. You are not paying any house payment. Why not rent it out. Get money. Rent to some real idiots.
  • Im wondering if anyone has heard of any California cases wining in court: I ownd my house and purchased everything in it before getting married. I understand that anything purchased during marrige is considered community property but he was never put on the house or loan. My husband has died leaving 2 children and his ex wife is taking me to court because she thinks she can have half of the house and everything in it that is mine that I paid for with my own money before we were ever married. Does she have a case? Thanks in advance!
  • If you had a formal divorce settlement than the property rights as between you and your ex husband should have been already established. She has no claim to anything that was not awarded to him in the divorce settlement. However, you did not mention divorce or a settlement, so is it the case that this is an ex-wife from before you and your deceased husband were married, and you were legally wed to your husband at his death? If so, although the house was not acquired during marriage, if any of the mortgage was paid off by either your earnings or your husband's earnings during marriage the community estate "of you and your husband" is entitled to a "buy-in" of whatever percent it paid of the original purchase price (equal to the down payment and the mortgage). If your husband left a will he can give away all of his community interest in the property, and all of his separate property. If he left no will, the community interest of your husband goes to you by intestacy, as well as at least 1/3rd of his separate property if you were his legal spouse at death.
  • Even if he had bought the house 100% with his money during your marriage she would still have no case. An ex-wife has no legal claim on the estate of a deceased former spouse. That said, I would STILL hire a lawyer to defend the case - you can lose just as finally by messing up the defense of a case as you can by actually being in the wrong to start with. Richard
  • wow buddy this is a tuffy. First I am not a lawyer nor am giving legal advice just my opinion and whats happend to me. Refusal in CA is an auto 1year suspension from the DMV not the court. I think the court knows its harder to convict without more evidence (e.g. breath and field sobriety) so thats why they leave it up to the DMV to take care of you. My question to you is if you refused a test how do u know your BAC was .10 ??
  • What are some of the best Homeschooling charters in California? (Riverside County or Inland Empire) Besides River Springs Charter school. I'm looking for a school that provides and Education Specialist (ES) that meets with you every month. Also schools that have a reasonable spending allowance, that can loan computers for students. grades- 12th 11th 6th and 4th
  • Julian Charter School Mt. Everest Academy (located in San Diego though) I would suggest Mt. Everest over then JCS.
  • shape colleges variety. It in simple terms skill they seem to be a public college that follows a differnet plan than the classic colleges. What their progrma is varies lots from college to college. confident, there are shape colleges the place you in simple terms attend training one or 2 days each and every week and do something of your paintings at residing house. you may get a itemizing of shape colleges on your state/county and spot if any are what you're searching for. attempt looking google for "shape colleges" and the call of your state.
  • for the 11th and 12th grades you can try insight.
  • YES! There are options for you to get the option arm with a 95% CLTV I have worked with many clients here in California who are in a similar position. I have been able to work with my underwriters to get loans approved for people like you. I would need more details so we can show the investors this is a good investment for them. I work for GMAC Mortgage. ~Danke Schoen Feel free to contact me with any other questions or a second opinion. Nathan MrDankeSchoen@yahoo.com 888-602-4622 ext 12 925-250-6067
  • nope. If your score is that low, you need at least 80% LTV. You can get a subprime loan which will go to 95% but your rate will be crap. Is your score 620 by all those people running your credit?
  • Instead of getting another loan, consider a second job to pay off that one?
  • your attempting something that is extremely dangerous. With the housing market slowing and the interest rates rising, when your balloon payment comes due you may find your self on the street.
  • Probably not - and why would you want to anyway? So you can be foreclosed on in 3 years?
  • Get an accountant!
  • Anything is possible if you put your mind to it.
  • yes, it's possible- contact me and i will tell you more details.
  • No minimum time requirement. If you get a statement that your disability is permanent from either a court or from the disbursing agency. Your disability payment can be combined with your spouse, child, or partner income (if purchasing to gether) to be able qualify for a more expensive property. ---------------------------------------... Anyone that tells you that you can only purchase a home with a value of 3 times your yearly income is totally clueless and should be banned from this site. That might have been true many years ago when interest rates were double or triple of what they are today. Today, a person with a little or no debt can qualify for a home 4-4.5 times their gross yearly income.
  • If you are receiving SSDI or a private disability plan, your income will count towards the purchase of a home. You still need to meet all other requirements. - if you are receiving SSI, it's unlikely that you would meet the asset requirement To be able to purchase a house, the maximum you can get a loan for is 3x your income. Less if you have significant debt. - the maximum SSDI you can receive in 2013 is $2533. If you are earning the max, your annual disability payment would be $30396. You would be able to purchase a house for around $90000. - not that many places in California that have housing prices in that range. - if you are receiving private disability payments, you could have a much larger payment and have no problem purchasing a house.
  • six months used to be the minimum ... if you could get a loan at all. the lenders want to give the government a chance to change its mind on your eligibility.
  • there's a big difference between can you and should you. I'd say even if you could, you should not. Taxes are rising, all kinds and once in your place very well could be repossessed. I'd say there just isn't enough income.
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