Bad credit payday loans guaranteed approval direct lenders

Promissary Estoppel or equitable Estoppel comes to mind here. This would stop them from changing the deed, without your permission or knowledge. The error that caused the original problem was made by whoever drew up the original mortgage and the original deed -- perhaps the bank itself! Seems to me that JAEDRAY would have to sign the new revised mortgage. If so, JAEDRAY needs to be sure that the new mortgage is what he really wants.

He may have an opportunity to ask for a lower interest rate, make sure that he is not charged with any late fees, etc.

JAEDRAY also needs to know what parcel he has bad credit payday loans guaranteed approval direct lenders been paying property taxes on all these years -- on his own residence?

Or has he been paying taxes to the bank who in turn pays them get money now to the town. My assumption is that taxes have been being paid on BOTH parcels, or else you would have learned of the error within a year or two after taking residence when you got the collection notice from the tax authority. My further assumption is also that you have been deeded a property that has no liens attached to it, and therefor own it free loan bad credit payday loans guaranteed approval direct lenders for poor credit and clear, and nothing the bank does can alter that unless bad credit payday loans guaranteed approval direct lenders YOU voluntarily let them. BUT, that all depends on what your mortgage was based on. This is absolutely the domain of an experienced lawyer. I actually applaud the lawyer that was honest enough NOT to take the case because he was biased.

We have always paid taxes on the parcel that the house is on (through escrow with the mortgage payment). The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are bad credit payday loans guaranteed approval direct lenders the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

They will have resources for you to locate a local (or at least regional) lawyer. While this is unfortunate situation, surely you are not trying to get away with no longer paying your mortgage because of a clerical error? Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Last October she died and left me no way to make the mortgage payments.

The loan company, (Ocwen), has filed the notice of default, and the time limit of three months, when they can set an auction date, is coming very soon. Last October she died and left me no way to make the mortgage payments. The loan company, (Ocwen), has filed the notice of default, and the time limit of three months, when they can set an auction date, is coming very soon. Between auction date and you having to actually move out is probably more personal loans online with no credit check like 6 months. Most states allow homeowner 90 days to redeem property after auction, but not sure about California. Looking down the road, low cost loans I would not pay for your new home in full. Put a good credit loans down payment on the home and get a 15 year mortgage if possible, or even rent an apartment for fast cash a year. You bad credit payday loans guaranteed approval direct lenders want to be sure the area is where you want to stay.

Unless you are very familiar with the area or have friends or relatives who you can count on for good advice, I would just rent for a while. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. We purchased our home in 2004 on contract (but through a realtor and closed at an attorneys office) and 2 years later secured traditional financing. Flash forward several years, and the house next door sold, revealing that our name was only on the 10x150 strip of land between the 2 homes.

So the home that we have been in for years, belonged to an heir of the gentleman we bought on contract from. They re-opened his estate and payday loans from direct lenders only she signed the deed over to us, and it is recorded at the courthouse in our names, with no mortgage or leins.

We tried for over a year to get our mortgage company to acknowledge this issue. It finally took missing several payments for them to communicate with us. They say that foreclosure proceedings are on hold and they are trying to correct the deed. My legal questions are: A) Can they change the deed without our permission?

All original loan papers that we signed have the incorrect legal description. All loan documents that we signed read that we were buying XXX Address (our home address)... Obviously, you will need bad credit payday loans guaranteed approval direct lenders an attorney who is experienced in real estate matters. It just looks like a lot of folks dropped the ball on this one. I think somebody is going to have to answer these questions eventually.

I do not believe that anyone can correct the mortgage or the deed without your signature (but talk to your attorney). You have the deed to your actual house now and no mortgage on it. The foreclosure would hurt your credit, but would it be worth it?

As part of straightening this mess out, ask about getting a new title insurance policy with the correct property description. We purchased our home in 2004 on contract (but through a realtor and closed at an attorneys office) and 2 years later secured traditional financing. Flash forward several years, and the house next door sold, revealing that our name was only on the 10x150 strip of land between the 2 homes. So the home that we have been in for years, belonged to an heir of the gentleman we bought on contract from. They re-opened his estate and she signed the deed over to us, and it is recorded at the quick personal loans same day courthouse in our names, with no mortgage or leins.

We tried for over a year to get our mortgage company to acknowledge this issue.

It finally took missing several payments for them to communicate with us.

They say that foreclosure proceedings are on hold and they are trying to correct the deed.

My legal questions are: A) Can they change the deed without our permission? All original loan papers that we signed have the incorrect legal description.

The problem bad credit payday loans guaranteed approval direct lenders here is what justification would be used to change the deed.

If this is true then whoever has a lien usually is put into first place. If you are and the lien says you have ownership sole ownership then you own it and your deed has presumption and the other claim is moot. You may want to look at a Quiet title action, you need to see an attorney. Not an attorney here, but you could record a Statement of Facts Instrument on the property citing your arguments using Common Law doctrine to bar them from foreclosing. Promissary Estoppel or equitable Estoppel comes to mind here. This would stop them from changing the deed, without your permission or knowledge.

The error that caused the original problem was made by whoever drew up the original mortgage and the original deed -- perhaps the bank itself! Seems to me that JAEDRAY would have to sign the new revised mortgage. If so, JAEDRAY needs to be sure that the new mortgage is what he really wants. He may have an opportunity to ask for a lower interest rate, make sure that he is not charged with any late fees, etc. JAEDRAY also needs to know what parcel he has been paying property taxes on all these years -- on his own residence? Or has he been paying taxes to the bank who in turn pays them to the town.