Trying to buy House, But have BIG PROBLEM

[prostock1]

If they are both on the note there just a few options.

Sell it.
Refinance only in his name.
Try for an assumption into his name if it's eligible.

Before he could provide 12 months cancelled check posting out of his own account in his name only to show continuity of obligation, but now that doesn't really fly anymore if she's co-signed.

Are you a ELP ?

Do you sell Whole Life insurance ?

[1carcrazyguy]

If you need a house on the west side of Fort Worth. We may be selling soon.

[AdamLX]

New house loan could be put in just your name.

Can only do conventional due to community property rules (no FHA) and also factor in self employment tax returns the last two years which don't usually look too pretty (just based on avoiding full tax liability).

[Mike]

Or just get the note in one persons name

That's what I did.

I did too!

Internet high five!!


Still, don't get married kids.

I'm doing the same thing right now.

[SSMAN]

I believe the from you need her and the ex to sign is called a "quick claim" and it absolves her of any responsibility on the home even though she remains on the note.

They called mine a quick deed. Sure there are different names for it.

['90Vert]

New house loan could be put in just your name.

[SVT Lurch]

If they are both on the note there just a few options.

Sell it.
Refinance only in his name.
Try for an assumption into his name if it's eligible.

Before he could provide 12 months cancelled check posting out of his own account in his name only to show continuity of obligation, but now that doesn't really fly anymore if she's co-signed.

Seb, this is the only response you should be reading.

[Scott Mc]

You can file an assumption, it is a pain in the ass but works. I am almost done with mine. I went this route because I cannot get the same interestrate if I refinance.

[War Machine]

Kick his ass!!!!

[mstng86]

I did too!

Internet high five!!


Still, don't get married kids.

[Baron Von Crowder]

Or just get the note in one persons name

That's what I did.

[Machx2]

So todays lesson is to never get married.

I failed

Or just get the note in one persons name

[Mychael101]

Been there, done that. My ex flat out refused to sign a quit claim deed. She simply didn't want me to have the house. I was dying to have her sign it so I could refinance the house while I still had my job and great credit. She wasn't having any part of it. Even against the advice of her attorney, the judges ruling, and Chase Mortgage. Even after I lost my job and the house was going to go to foreclosure she still refused.

Sucks that with one signature I could have refinanced the home and saved hundreds a month. Even after losing my job I could have rented it out and saved it.

[mstng86]

So todays lesson is to never get married.

I failed

[TRAILBLAZER]

http://en.wikipedia.org/wiki/Lien

http://www.merriam-webster.com/dictionary/lean