There are variables based on state laws and lender peculiarities. In PA, in a purchase transaction, you would not be required to sign anything unless the lender does not understand PA state law.That changes if you intend to take an ownership interest in the property, whether you are a spouse or not. In cases in …
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If you are in a mortgage transaction and would like a copy of the appraisal, just put your request in writing. Your mortgage lender is obligated by federal regulation and some state laws to provide a copy upon written request.Don’t take no for an answer. If the mortgage lender refused to comply with your written …
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This morning I mentioned the beginning of modern mortgage lending in a post about lender requirements, saying, “The art or science of organized mortgage lending has evolved through trial and error over many decades starting, really, since the Great Depression.”Imagine my surprise to see Robert Franco saying Happy Birthday to the FHA! Seems it all …
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LOL……… of course, we do.Just look at these files awaiting scanning in my office.Granted, these files contain our title abstract and lien letters and file notes, but all other documents have been signed by the consumer – usually at the closing table.The skinny files are cash transactions and include the very basic needed to convey …
Well, the good news is that an insured buyer won’t have to worry. If you have an owner title policy, the title insurance company will cover the lien, then decide if they want to pursue the seller.Yes, the seller IS ultimately responsible and they SHOULD pay for it. If the matter goes to a court, …
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