StateMortgageInfo.com - Arizona Mortgage knowledge base

Arizona Mortgage knowledge base

How do I attract new business in the Arizona Mortgage Industry? Is it better to talk with agents, FISBO's, builders etc. Which one would benefit my company to spend more time on?

How do you start marketing effectively for a Mortgage company in Arizona? I have been given the task of creating new Ideas to generate business in our (home, construction, lot, refinance and HELOC programs) What are some cheaper, more effective avenues that work?

What will happen to a second mortgage in a forclosure in Arizona if I own another home and it is paid off??? Two mortgages on forclosing home, will second come after my equity on my primary home that I own out right or retirement money I have in the bank in forms of cd's?

Can the deed to a house be in 1 person's name but the mortgage in another person's name in arizona? My mom owns the house, mortgage is in her name but I have power of attorney. She is going into an assisted living facility, can the deed on the house be put in my name?

I own a second home in Arizona. For tax purposes can I deduct expenses other than mortgage interest & taxes? We lived in the second home less than 6 months during 2006. Thanks.

Home Mortgage Loans in Arizona? I have a condo I want to rent. I want to buy another home soon. Living in Arizona, will I be able to get a 100% loan? I have excellent credit, but not alot of loose cash available for downpayments. If I can not, what will the requirements be as a downpayment? Thanks!

What is the best mortgage lender in Arizona.?

Anyone looking for a sales mortgage banker position in Detroit, Cleveland or Scottsdale Arizona?

Arizona: I foreclosed on house, can mortgage company come after me for defiency? I had a first and second loan from the same company for an Arizona property. The sent me a 1099-A already. This was a rental property, single-family residence. Question is, can they come after me for the difference after foreclosure (the deficiency) ? I read a few sites that say no they cannot. But the mortgage company insists they can. They claim they "do not know" about any AZ laws that prevent them from coming after me. I have called them over 30 times, and get a different answer each time! Anyone here very knowledgeable on this? I appreciate ANY help! I am getting the runaround from this company. Thanks for all the responses so far. But see, getting very different answers still! Some say yes, some say no! Does anyone have a definitive answer, or site I can look into? The AZ state legislature page has stuff on this, but I am no lawyer, so it's like reading another language! I am talking about : http://www.azleg.state.az.us/FormatDocument.asp?inDoc=/ars/33/00729.htm&Title=33&DocType=ARS

guidelines for property ownership in Arizona. What happens if someone's name is on title but not mortgage? My sister in law and her husband own a house together in Arizona. The situation in their marriage is not good. He is abusive and she wants out. Both of their names are on the title but only his name is on the mortgage. She is afraid that if she leaves and he lets the house go into foreclosure, the bank can come after her and affect her credit negatively. I do not believe that this is the case. I think that the bank will repo the house, but only his credit will be affected. He is trying to get her to stay by saying that if she leaves, her credit will be ruined because he will let the house get repo'ed. Can someone give me a little clarification on this matter? I appreciate any info you can provide. Regards, Matt. What if she were to quitclaim the house? Would that end her liability?

need a mortgage rate for the state of arizona?

If I live in California, how do I get a job in Arizona? I am seriously considering moving to Arizona. I would like to buy a house. I refuse the pay a mortgage in California. How do I find out which companies are productive and that are hiring? How do I interview? How do I know what city? I know people make moves like this all the time, I just can't figure out how. I'm already set up in Careerbuilder and Monster and getting feedback for opportunities, although some don't seem legitmate. I will check with surrounding agencies to see what they offer. I hope this puts meon the right track.

Mortgage Broker Fees Advice? does anyone know the legalities of arizona mortgage broker law? if so can you respond with your email address I have some questions regarding origination fees and paying them to an originator rather than to the mortgage broker. Only reply if you know Real Estate Law in the state of Arizona. Thanks

In Arizona, do local (State chartered) banks and credit unions still hold residential mortgages? Do the local banks still hold the paper? Do they still hold the beneficial interest, i.e. the right to collect and keep the mortgage payments or else, if payments are not made, enforce default remediies? In other words, have local banls and credit unions sold all their loans or do they still own some?

How does bankruptsy laws work in Arizona? Been in a relationship for 12 years - not married, but bought a home. relationship ended and payments were stopped on the home. About to be in forclosure. He was in the home, I left eight months ago. We are both on mortgage; but I can't begin to pay it. I receive 2300.00 month in retirement. He is filing a bankruptsy next week, so if I do the same, what happens and what can I keep of my own stuff?

Has anyone purchased a reverse mortgage? What are the pitfalls? We live in Arizona and would like to know your experience.

What can a college graduate expect to make as a mortgage broker in his first 3 years? I am in Scottsdale, Arizona which is incredibly affluent and the Phoenix Metro area is expanding rapidly.

Does the Veteran's Administration give temporary assistance to a veteran who needs help with rent or mortgage? I am not disabled. i am just between jobs and ACTIVELY looking in Tucson, Arizona. i need help possibly with rent for my apartment for November only.

What are all of the consequences on defaulting on home mortgage, HELOC, and HOA Fee (all same property)? - How likely is it for them to come after you with legal action and take other assets? - Would it mean someone who does the above will have to also declare bankrupcy? - What happens with the balance owed (especially with HELOC) if he/she does not ever repay it? Do they keep trying to collect it from you for rest of your life? - If any of them go into collection agency, what could/would they do? - All relate to same property - Both short term and long term consequenses. - In Arizona.

Should I foreclose on my 2 Arizona properties? I have 2 properties in AZ. I can't pay the mortgage on either unfortunately. Should I let them foreclose? Is short selling a better option? I am reading about anti-deficiency laws in the state of AZ, and it looks like they can't get anything out of me after foreclosure. (Both props are single=family residences...) I hear a short sell can potentially have big tax implications. So a foreclosure would hit my credit hard, but save a lot of $$ right? Any advice would be great. Thanks all!

I am wanting to work towards getting a mortgage. what do i have to do? What are things that you have to do before you get a mortgage, how long does your work history have to be, does it have to be at one job or just constant work without any gaps. what does my credit score have to be, what things on my credit report will stop me.How much do i have to put down. I live in arizona, if that helps.

Can I sign a Disclaimer Deed & have it revocked if I change my mind aftr we close on our property in Arizona? The mortgage coy has informed us that if I sign a Disclaimer Deed on a property that my hubby and I are buying in AZ that Title can be changed after closing to include my name. Is this true?I dont really want to sign the deed but for the purposes of getting a mortgage and d house, I might have to? What do ya'll Think?

I own a rental property in arizona.. I paid cash on the house? by taking it off my primary residence in california. I now pay a mortgage payment on that loan, can I write off the entire mortgage payment as a tax write off, or interest only since it is a rental property???

What is the recourse for landlord when the tenant breaks the lease in Arizona? I have a tenant who signed a lease to rent my property for one (1) year. They now want to break the lease to move back to their home state. They said they would pay for another month, and let the security deposit cover one other month. The lease is finished in February. Further, they said they check and found my house is going into foreclosure. Their attorney told them to stop paying, they don't to pay the rent. That is untrue, I am behind, but not in Prue What is my remedy since I was depending on their monies to pay the mortgage on the home. What is my remedy?

is it good to invest in Real Estate in arizona???? I plan to buy a home for investment in arizona. but can i rent it for more than a $1000.00 mortgage?

Do you know that it is impossible for the Arizona Diamondbacks to lose to the Chicago Cubs tonight? Game starts at 8 pm EDT. Bet the mortgage. Check out my answers. Last week, I predicted the 1.5 underdog Angels to beat Boston on ESPN. Angels trounced them 10-4.

Anyone have a mortgage company they can recommend? I am located in Arizona. Thanks

deduct mortgage interest ? My situation is like this. I refinance my canadian home so I get cash to buy a rental property in Arizona, US. So I pay mortgage interest in Canada. My question is: Can I deduct mortgage interest from the rental income from Arizona? Thanks, Jim I am Canadian. I am not US citizen.

are there any assumable mortgages in peoria arizona ?

Is a person required to provide a copy of his homeowner's policy to the lender? Is it required to provide a copy of homeowner's insurance policy to the mortgage lender in Arizona?

i am looking for someone who lives in arizona? that makes loans on mortgage free homes cannot get aloan cant qualify do you live in arizona and can you help me ?ph # 928-587-4615 call anytime home is on 3.75 acres and need of repair

Who qualifies for the Mortgage Forgiveness Debt Relief Act of 2007 (H.R.‚3648).? What homeowners qualifies for this Law? What kind mortgages? Year of foreclosure? 2007 and beyond? 1st and 2nd Mortgages? How this relate to the Deficient Judment law in Arizona?

Is the Dems' Housing Bill Intentionally Racist Since it Bailouts Out Hispanic Heavy Calif, Arizona, & Nevada California is the state with the highest % of its mortgages in default. Arizona and Nevada are not far behind. The defaults are disproportionately hispanic compared to the rest of the US. Does this surprise you given that Dems count on the hispanic vote? Why is the rest of the US bailing out these states? Shouldn't states bailout their own people? This map shows that most defaults in the NYC area are for blacks & hispanics. http://gothamist.com/2007/03/28/map_of_the_day_106.php Don't these people tend to support Dems? Are you surprised that the Dems are bailing out their favorite voting blocks along with their big donors at Fannie Mae and on Wall Street?

I own a home with my ex as joint tenants but she left. What rights do I have to get her to pay half the mortg? She moved out of the state 7 months ago but I just found out she's in a new relationship and isn't coming back. I've been barely able to pay the mortgage and utilities since but she hasn't provided a quitclaim deed or anything. I would like to refinance to remove her from the mortgage but I don't know my rights. Is she still legally liable for half of the mortgage since she left? I live in Arizona and can't find any information on this scenario anywhere. Please help!

Pulling 2nd Mortgage on FHA Loan? Hello, I've recently made a home purchase and will be closing on my new home in about three weeks. Since my credit score wasn't high enough to qualify me for a conventional loan, but income was, the builder's finance company was able to approve me for an FHA loan since it was also my first home purchase. My question is I'd like to put a pool in, I live in Arizona and it's a necessity in this state :) and was wondering if there are any stipulations as far as the amount of time I have to pay on the loan before I can pull a 2nd mortgage on it or refinance it to get some of the equity and put the pool in and make a few upgrades to the home?

How do you add someone to the title of a home? My boyfriend bought a home 3 years ago and has refinanced it twice...I have lived with him this enire time with exception of 3 months I am back living here and would like to be put on title and also know what recourse do I have since I have been paying 1/2 mortgage if something happens with us...I live in Arizona so do the laws vary

A Mortgage related Question.? My broker is getting me a Mortgage from First Magnus Financial Company of Arizona. I never heard of this company. After reading many news stories of Sub Prime Issues, I am concerned. Anyone know this company. Should I ask my Mortgage Broker to find other sources. I really appreciate some helpful responses. Thanks.

Where to find services where people with bad credits scores can share others credit to improve their score? It is similar to credit piggy backing but not only sharing the persons credit card as an "authorized user", but sharing the "individual", such as lines of credit, mortgage, loans, etc. Does such service exist in America? I have heard it is popular in Arizona and Virginia. Thanks

How do I know if my debt/loan is recourse/non recourse loan? I have a mortgage for purchase of residential property in Arizona.

I'm owed money from a friend in Arizona, and I live in the Philippines. There was no written contract, only tons of emails and yahoo chat discussions, all saved. This is for previous work done for him on a project. He seems to be avoiding me, although had said he will pay me soon. He said he knows how important the money is to me and my family (no contention), and intended to pay me and his debts to others when he obtains an imminent mortgage loan. That time has come and gone, and he now doesnt answer emails/chats/phone calls, etc. This is a case of where the money is very important, not just the principle of it. It feels like he has been deceptive and deliberately delaying and avoiding. It now feels like theft. What recourse would I have short of physically having someone try to take whats due? Is the saying 'nothing in writing- means no chance' apply here? Does anyone have any other suggestions? (I had not been rude or threatening up to this point in my emails to him, only asking what's happening...come on! Please dont ignore me..etc.) What does the law say about it all?..Help!!

What are some medical/healthcare related jobs that do not require a degree but have higher salaries? Is there a job in the Medical field that a person can get into that does not require special training or degree. I'm looking to transition from having managment and mortgage industry experience. This is do to the growth and stability of Health Care Industry in Arizona.

Is it legal for our landlord to do this to us? I live in Arizona. Basically we've been renting month to month a house from our landlord, and recently we found out he hasn't been paying mortgage and we have less then a month to leave. I guess for the last four months he hasn't been paying it and letting the house go under foreclosure. Can he legally take our money like that? Oh and all those months he didn't pay mortgage we were still giving him money, not knowing he was letting it go.

3.2%tax rate in katy tx why so high??????? Arizona less than 1%.? buying a house in katy 540.000. property tax is 15500.00a year,hoa fee 2000.00. 20% down,rest of them owned by mortgage company,actually 20% valued is my portion for tax but 3.2% is outrageously too high for normal famillies who dreaming sweet home,Texas please learn from Arizona.

If I refinance my home to cash out equity and end up foreclosing in the future, what can happen to me? I like many others am in financial trouble and am having problems paying my mortgage. I'm thinking about refinancing my home (for no more than it's current market value) and taking my equity so I can pay off my car and a credit card. If I do that, and still end up facing foreclosure in the future - what can happen to me besides having my credit ruined? I live in Arizona - the law here states that - "A lender may not bring a deficiency suit against a person who lost a property that is 2.5 acres or less at a foreclosure provided the property is a single one-family or a single two-family dwelling." I fall into that catagory. Basicly, I'm wondering about future pit-falls if the worst case scenerio happens and I do end up foreclosing after I do a cash-out refi.

What has caused the real mortgage problem? The OCC says there are nearly 35 million loans.? Office of the Comptroller of the Currency September 12, 2008 The OCC and OTS Mortgage Metrics Report found that actions by national banks and thrifts to prevent home mortgage foreclosures increased faster than their new foreclosures during the second quarter of 2008, despite an overall decline in mortgage credit quality and an increase in foreclosures. The combined report, which replaces separate reports by the two agencies, provides loan-by-loan data in a standardized format for 34.7 million first-lien mortgages—worth more than $6.1 trillion—held or serviced by national banks and thrifts. http://www.occ.gov/ftp/release/2008-105.htm On the other hand, some five million fraudulent home mortgages are in the hands of illegal aliens, according to the U.S. Department of Housing and Urban Development. It's not known how many of those have contributed to the subprime housing mortgage meltdown, but it has affected every state, including Arizona. The problem began years ago when banks were forced to give mortgages without confirming social security numbers or borrower identification. As a result, illegal immigrants were able to obtain home mortgages which they could not afford. http://www.freerepublic.com/focus/f-news/2100080/posts Banks are seeing an untapped resource in providing home loans to undocumented U.S. residents August 8, 2005 http://money.cnn.com/2005/08/08/news/economy/illegal_immigrants/ So the banks decided that illegals could take out loans even though they were breaking our laws by being in our country illegally rather than turn them in to our government. Doesn't that make them the same as employers who hire illegals with fake documents knowing that they're illegals? Summary of the HUD Research Series Examining Barriers to Hispanic Homeownership and Efforts to Address These Barriers http://search.hud.gov/search?q=cache:W8B0YHX3ROIJ:www.huduser.org/Publications/PDF/hisp_homeown8.pdf+illegal+immigrant+FHA&access=p&output=xml_no_dtd&site=default_collection&ie=UTF-8&client=default_frontend&proxystylesheet=default_frontend&oe=UTF-8 The requirement that borrowers be legal residents of the U.S. is obviously a challenging obstacle for the millions of undocumented immigrants in this country. A handful of lenders are attempting to assess whether lack of legal residence is an acceptable risk in extending mortgage credit; however, lending to illegal residents also involves political issues that may be extremely difficult to resolve.

Will I pay capital gains on my land sale? I live in Virginia but own land in Arizona that I would like to sell. I plan to use the sale of the land to pay off the existing mortgage on my primary residence in Virginia. Will I still pay capital gains? I have owned the land for three years and it has appreciated quite a bit. Thanks.

Moving to Arizona? Good or bad idea? So I've been living in Denver for the past 8 years. I'm pretty bored with it. The nightlife is old, boarding is old...well the winters are getting old! Granted the state is gorgeous but I just need change I feel. I've been in the mortgage business & maybe that's why I want to get the heck out of here. I can't seem to find a job outside of the mtg biz here in Denver. Not sure what I want to get into either. I love dealing with people, working out & being active. I'm good looking so it's easy to meet people. However I'm not a fake or do I feel like I'm better then most people. I grew up in the Midwest & I've held my values. Would Arizona be a silly idea? I love Chicago but it's too big. San Diego would be awesome but the cost of living is out of control & I'd like to be able to live. So I suppose either I find a good job here in Denver or I try something new all around by moving to Scottsdale. Ideas!!?!?!?!?!? Thanks!

I am based away from my primary residence (owned) for the next year, can I deduct my rent? ? I own a home in Fort Lauderdale, FL. My company has offices nearby in Miami which is supposed to be my permanent base. I have come to learn I'll be expected to stay in Scottsdale, AZ for the next year and therefore I need to rent an apartment out here. My Fort Lauderdale home will sit empty. Is there any opportunity for additional deductions besides the mortgage interest & taxes on my Fort Lauderdale residence? i.e. is the rent on my housing out here in Arizona deductible?

are there any assumable mortgages in peoria arizona ?

What are the steps in getting a divorce? I am seriously considering divorcing my wife. I have seen some information here and there but still are unsure. I live in Arizona. A little history...We have been married for 6 month, she has 2 children (not mine) , we bought a house 6 months ago mortgage and all. Should I consult a lawyer? Any help would be gratly appreciated. Thank you. I would also like to know do you need any grounds for divorce other than constant arguing ...on a dialy basis associated with jealousy

Want to move out of AZ and to PA? Any ideas how to do this? I move to Arizona with my husband 5 years ago, we bought a house about 4 years ago. We absolutly hate it out here and want to move to Pennsylvania. Any suggestions on how to do this since the economy sucks now and we're upside down on our mortgage (meaning our house will sell for less than what our mortgage is). Any ideas will help greatly!!!

So Confused pls help regarding who should I deal with? Mortgage Question.? okay so I need some advice as far as our 350k, FHA loan with 3 % down goes. The first deal I received was thru some loan officer located out of Arizona who gave me a 6.5% rate with 2 points. I heard this was a horrible deal so I decided to shop around especially after hearing that you have 14 days from the first mortgage inquiry to shop around and have other lenders pull your report without it harming your credit because it will be considered one. I then received a quote yesterday thru quickenloans.com but after reading some of the questions and answers that were posted about others experiences I was very skeptical even though they gave me what seemed like a good or better rate than the first guy. For example they gave me a 5.6...% (there were two more numbers after the 6 can't remember) with 2 points or a 6.25% w no points. I am also interested in seller concession so closing cost and points wont be paid out of pocket. Not only am I skeptical about the stuff I read here about quickenloans but they are also asking for $350 committment fee that will be refunded at closing if we decide to close with them. So if we dont close with them then basically that money is non refundable, which has me feeling trapped and I dont really like feeling that way. What I dont want to happen is I agree to pay that committment fee and then at closing theres a whole bunch of other fees that I did not agree or know about and I back down and they keep my $350 fee. Which $350 is not going to kill me but who wants to give away money? So I decided to not pay that fee but I still have them in mind just in case. I called JP Morgan Chase bank and they approved me with different rates. They offered me 5.875% with 2.3..( theres two more numbers after the 3, forgot...again!) points and a 6.125% with 1.5 points. I know Chase is a reputable bank that has been around for a long time and I kind of trust them better then quicken loans but quicken loans does have the better rates so basically im stuck???? I would like some type of advice on what I should do if worst case senerio where it's either one or the other I have to choose from. I am still going to shop around because I know I can probably do better. Here are the basics: -annual combined income: a little over 100k yearly. -401k combined: 17,364 -been at our jobs over 2 years both. -combined monthly bills: a little under 1000.00 monthly. -all three credit scores for him: experian: 643, transunion: 634, equifax: 610 -mine: experian: 684, equifax: 672, transunion: 649 Thanks so much!

Why do people think it's a positive thing when the rental vacancies are rising in America? For the people who push for immigration laws, How could more and more vacant apartments, and more foreclosed homes in America be a good thing? The rent and mortgages were being paid. And I seriously doubt CHAD will move into the neighborhoods the Hispanics live in. Illegal immigrants fleeing apartments in Arizona Arizona's employer-sanctions law is driving illegal immigrants to leave the state, as intended. The departures were first felt at stores and businesses that cater to such immigrants. Sales suddenly dropped. Now, apartment complexes, especially those with affordable rents in neighborhoods with large immigrant populations, are feeling the effects. Individuals and entire families are moving, leaving behind empty apartments that can't be filled. Some renters are handing over their keys and breaking leases because they've lost their jobs due to the sanctions law and can't pay the rent. Others are simply skipping out in the middle of the night. "Most folks aren't even telling us; they are just leaving," said Estela Bojorquez, manager of the Villa de Sonora apartments in west Phoenix, which is trying to fill 59 vacant apartments out of a total of 156. Bojorquez attributes half of the vacancies to illegal immigrants moving out of the state because of the sanctions law. Job losses because of a slowdown in the economy - especially in housing construction, which employs many immigrants - also are contributing to the departures.

I've seen $70,000/year and up claimed for aircraft pilot wages. In reality, for most pilots, much less? I have talked to a few commercial pilots in the Arizona and Utah area that claimed they made $35,000 to $50,000 per year. Much less than a plumber. I would like to study for commercial flight, but I need to earn at least $60,000 to pay the mortgage on my home and payments on my car. What venue should I study? And how many hours to get to that earning? Unfortunately, I DO have these payments now. I am older and have been in my career for 15 years. Just looking for a change while still be able to pay my bills.

What do you think about this Bailout Could Help Illegal Immigrants ? The massive government bailout of the nation’s financial system could help thousands of illegal immigrants who obtained home loans from banks that were encouraged to offer them by the federal agency in charge of preserving and promoting public confidence in the system. The controversial $700 billion bailout will offer foreclosure relief for those at risk of losing their homes and that includes thousands of illegal immigrants who got mortgages from U.S. financial institutions thanks to a push from Federal Deposit Insurance Corporation (FDIC), which began encouraging banks to offer services to illegal immigrants a few years ago. Headquartered in Washington D.C., The FDIC insures more than $3 trillion of deposits in U.S. banks and is managed by a five-person board of directors appointed by the President of the United States and confirmed by the Senate. In the last few years the agency succeeded in getting several large lending institutions to offer a variety of banking services to illegal aliens, including home loans. Now U.S. banks routinely offer services to people without Social Security numbers by accepting the Mexican identification called matricula consular to open accounts. Some states—like Illinois and Wisconsin—even used millions of dollars in public funds to provide low-interest home loans for illegal immigrants with no credit history or documentation in the U.S. The loan default rate among illegal immigrants is high because they are inherently unreliable, are prone to fraud and may be forced by circumstances to return to their home nation at any point, according to a congressman representing a state that operated a large mortgage fraud ring featuring hundreds of unqualified borrowers that used fake identities to get money. The veteran Colorado Representative, Tom Tancredo, wants to assure that the bailout, set to pass this week, doesn’t offer incentives for illegal aliens. In a letter to his colleagues in Congress, Tancredo asked that safeguards be included on the bailout plan to verify the legal residency and identity of potential homebuyers. This will prevent illegal immigrants from obtaining federally backed home loans and assure that U.S. taxpayers are not absorbing their debts or bad loans made by banks to illegal aliens. Could it be a coincidence that the area’s hardest hit by home foreclosures happen to be illegal immigrant sanctuaries like Las Vegas, large parts of southern and northern California and the famous Arizona sanctuary of Phoenix?

Is this man retarded or is this how stupid all the anti-immigration people are? An Arizona man who mortgaged his house to finance a small fence on someone else's private land along the U.S.-Mexico border is suing the Minuteman Civil Defense Corps for putting up cheap cattle fencing rather than an "Israeli-style" barrier, and failing to complete even that. "Jim Campbell is a great American," declared MCDC President Chris Simcox a year ago, when Campbell gave the group $100,000 for the fence project. Campbell said then, "I can now rest comfortably knowing that I can look the next generation in the eye and say to them: 'We stepped up and did what we could to preserve the future of your country.'" Now Campbell has changed his tune.

is the price of a new house negotiable after signing the contract? i've signed a contract for a new home in phoenix arizona back in january. now with the mortgage rate climbing and the housing market cooling (quite rapid here in phoenix), i'm worried the value will drop and i'll end up losing money. (the houses like the ones i looked at was going for less than 200 grand three years ago and when i signed the contract, the price was at almost 300 grand)(and when i get to sell the house later, i'm afraid i won't even be able to sell it for the price i'm paying which is 300K) Should I try to back out on the contract and lose the deposit, which is a whopping 5 grand, or should i just go ahead and close on this house even if i don't feel right? and is it too late to negotiate the price of the house since i've already signed a contract? it's a new home that's being built, so i don't know if a negotiation is an option at all.. but any experts out there, please help.. any advise will be greatly appreciated..

Who pays for Title insurance at closing: buyer or seller? I know there are two policies: one for the buyers lender and one for the buyer. Why would a seller have to pay for either one of these when the buyer and his mortgage lender are the ones benefitting. Or are these always negotiable between buyer and seller as to who pays? What if the seller took a low ball offer and doesn't want to pay for title insurance? The condo is in Arizona.

Re-Finance question for Arizonans only!? Actually I am wanting to get answers from arizona mortgage brokers. I am thinking about moving back home (Prescott specifically) and was wondering what the market is like out there to open up a broker shop.

I am adding info to my previous question "In Arizona,what could over-ride a quit-claim deed?"? The specifics are that my wife and I were seperated (not legally) six years ago.While we were apart, I began looking for a house to purchase. The mortgage co. had my wife sign a quit claim deed because the future of our marriage was unclear. She later moved in for approximately five years. Now she has moved out and we are possibly facing divorce. As far as I know, the quit-claim deed is still in force. Can she legally get around this deed and if so, how?

haven't paid 2 of my mortgage payments? my dad lost his job and we havent paid for 2 months, i'm really scared. What should we do?? We live in Arizona by the way.

Title on house in Arizona? Question: If one person puts 50% of the house cost down are they the sold owner of the property? My husband made the money before we got married and he wants the house to be in his name only?? He said that he will made all of the mortgage payments but he needs my credit rating for him to get a cheaper rate. He has a living trust set up and I am the executor of the trust.

What's the foreclosure process in Arizona? What's the foreclosure process in AZ? what happens, how long does it take, and how much will it cost? Can they come after me after I leave the house? I've called my mortgage company to see if we could do a loan modification, but they have rejected me twice. I'm about to miss my first mortgage payment. I've been trying to work with them since December 07, I'm stressed out! The house is not worth the payment and the value of the house is way upside down, I owe a lot more then it's worth. Any info and/or advice is appreciated...

Mortgage assistance!!!!!? I bought my home almost 2 years ago for about 220k, it is now worth 170k due to the awful market....... My loan is set to change in a few months to increased payments and I want to refinance, but no one will help because I am upside down on the loan..... I live in Arizona and am looking for some kind of government assistance to keep me afloat. Does anyone know what or who to contact to get help? Our governor said she was offering assistance, but her website didn't offer any help and I don't know where to go or what to do.... I know the nation is in the same boat as me, is there anyone that can help? I am a hard working young man and bearly make enough for the 1700.00 monthly payments. I've been stealing from peter to pay paul and I don't know what I am going to do once the payments increase.... Thanks!!!

haven't paid 2 of my mortgage payments? my dad lost his job and we havent paid for 2 months, i'm really scared. What should we do?? We live in Arizona by the way.

Any tips for losing post partum weight? My newborn is 4 weeks old. I'm nursing, but anxious to lose this weight. I lost it all plus 5 pounds with my first one in 5 months. I live in Arizona, so it is way too hot to walk/run outside, even in the early morning and late evening, so that option is out. We can't afford a gym. I know it is only $20/month or so, but we just bought a house and we will be holding 2 mortgages. Don't worry, we can afford that, but no extras like gym memberships till our house sells. I am dieting, but I don't want to compromise my breastmilk. I'm just careful of what I eat. I do sit ups at home along with leg lifts. Is there anything else I can do till it cools down outside? Thanks.

Is Arizona a Non-Recourse State? Regarding Mortgages and Foreclosures.

Earned Income Credit denied due to Rental Income? Hi all, I resided in Wisconsin for all of 2007, but owned a home in Arizona as well. I rented this property out for all of the year and made more than the $2,900 "investment" income ($12000 total), which TurboTax says disqualifies me from the EIC. I only made $8000 at my job in Wisconsin, bringing my total income to about $20,000 combined. The rental income barely covered the mortgage payments for the Arizona home. Is there any way that I can still claim the EIC? My refund without the EIC is $1200, versus $4000 with the EIC.

More Random facts? • Steve Austin is a big time antiques collector! • One of the band members who did DeGeneration X's theme song if Triple H's real life brother. • Test (Andrew Martin) was trained by Bret "The Hitman" Hart. • Brian Christopher and Scott Taylor were scheduled to have a gay marriage as a part of a storyline at a PPV, but Jerry Lawler, Brian Christopher's father strongly objected. • Kane (Glen Jacobs) was born in Madrid, Spain. • Edge (Adam Copeland) is actually engaged to Val Venis's sister. • Kane (Glen Jacobs) has a degree in English and Teaching. • Former WWF superstar, Tito Santana owns a hair salon in Roxbury, New Jersey. • Prior to joining the WWF, Hardcore Holly (Robert Howard) worked as a full-time welder. • Bret "The Hitman" Hart owns a professional hockey team known as The Calgary Hitmen. • Shane Douglas and Headbanger Mosh have licenses to teach! • Jerry Lawler and The Honky Tonk Man are cousins! • Shawn Michaels is a huge fan of country singer, Garth Brooks! • Bradshaw used to compete in the NFL, but had to retire due to a knee injury. • Rocky Maivia is a skilled light tackle salt water fisherman. • Along with Chyna and Hunter Hearst Helmsley, Perry Saturn was also trained by Killer Kowalski. • Jimmy Hart composes most of the WCW stars' entrance theme songs. • Colonel Robert Parker (Tennessee Lee in the WWF) used to wrestle under the name of Robert Fuller before retiring and becoming a manager. • D-Lo Brown is a Certified Public Accountant! • Vader knows how to play the piano! • The Bushwhackers own a restaurant and it's called "The Bushwhackers Down Under!" It's located in the Tampa Bay area of Florida. • Jerry "The King" Lawler is a die hard Cleveland Indians fan! • Marc Mero won three New York State golden gloves in boxing before entering pro wrestling. • Ahmed Johnson used to play football for the Dallas Cowboys. • Chris Chetti was the first man to graduate from ECW's School of Hardcore. • Kevin Nash played Super Shredder in "Teenage Mutant Ninja Turtles 2" the movie. • X-Pac is a computer whiz! • Duke "The Dumpster" Droese loves to do imitations and his best one is none other than Vince McMahon! • Steve Austin is also good at doing impressions. His best is none other than Eric Bischoff! • Brian Pillman played two years of football for The Cincinatti Bengals! • Before entering the WWF, Rena Mero was a model for Guess Jeans wear. • Before she married Brian Pillman, Melanie Pillman went out with Jim Hellwig (The Ultimate Warrior). • Brian Lee (Chainz) was the best man at Mark Callaway's (The Undertaker) wedding. • Greg "The Hammer" Valentine, Marty Jannetty, and Blitzkreig have all used The Hollywood Blondes' theme music. • Scott Hall agreed to be the best man at Justin Credible's wedding but failed to contact him in the weeks before the ceremony and ultimately no-showed. • Roddy Piper announced that his last wrestling match would be at WrestleMania III against Adrian Adonis. • Terry Funk first announced his retirement in 1983. • In 1995, Marcus Bagwell had calf implants which leaked and he had them removed. • Vince McMahon, Jr. wanted to become a wrestler, but his father, the late Vince McMahon Sr. strictly forbid him in doing so. • Before breaking into wrestling, Jerome Young (New Jack) worked as a bounty hunter. • Tom "Dynamite Kid" Billington despises his cousin Davey Boy Smith so much, he can't bring himself to say his name. • During one drinking session, Andre The Giant downed 119 bottles of beer. • Barry Windham's father, Blackjack Mulligan served time for counterfeiting. • Cactus Jack & Terry Funk were originally scheduled to face the New Age Outlaws in a Barbed Wire Match at WrestleMania XIV, but the PPV people forbid them to do it, hence the Dumpster Match. • Back when the ECW/WWF angle was going on, the WWF was going to hold a live Raw from the ECW Arena, despite it's size. This idea was nixed however. • Back in the 1980's Hulk Hogan's opponents were banned from mentioning his receding hair line in interviews. • Stan Lane was once billed as Stan Flair because people thought he resembled Ric Flair. • All Japan Pro Wrestling hasn't fed it's fans a count-out or a disqualification in over five years. • Shawn Michaels is married to former Nitro Girl, Whisper! • Marc Mero didn't leave WCW over money issues. He left because of the angle he was in where he was involved with another man's wife. • Larry Zbyszko is a licensed pilot. • Sid once backed down from a fight with Brian Pillman in a hotel bar, retreated to his car to arm himself with a weapon with which to defend himself and returned clutching a squeegee. • Ted Dibase was once the Mid-South North American Heavyweight Champion. • World Championship Wrestling was once called Georgia Championship Wrestling. • In many of his WrestleMania matches Randy Savage would foreshadow the result of his bout by the color hat he wore to the ring. Two examples: 1 when he wrestled the Ultimate Warrior at WMVII as a heel and left as a babyface, he entered the ring wearing a white hat. 2. when he defeated Ric Flair at WMVIII to take the WWF strap, he wore a gold costume. • Hulk Hogan agreed to drop the world title to the Ultimate Warrior at WrestleMania VI because he was planning on retiring and wanted to pass the torch on to his babyface successor so he wouldn't have to come back and get "revenge" on a heel for his fans.*Hogan forced McMahon to give him the strap at the end of WMIX by threatening to no-show his tag earlier on the show with Brutus Beefcake against IRS & Ted Dibiase. • WrestleMania VII was moved from the Rose Bowl to the Sports Arena in Los Angeles because Vince McMahon feared a sniper might try and take out lead heel Sgt. Slaughter, playing the role of a Iraqi sympathizer during the Gulf War. • Apparently feeling he had nothing to lose, Sid Justice doublecrossed Vince McMahon by kicking out of Hogan's legdrop at WMVIII. Sid had been caught cheating on a drug test a few weeks earlier and was going to be suspended. Sid's manager, Harvey Whippleman (who is said to have supplied Sid with the false urine sample that WWF official Dave Hebner found Sid carrying in a vile) reacted quickly, jumping into the ring and getting his man disqualified before all hell broke loose. • McMahon wanted a Flair-Hogan main event for WMVIII, but before Flair surprisingly was unable to re-up on a contract with WCW, McMahon signed Sid with the promise he would wrestle Hogan at the next WM. So, McMahon went with a double main event of Hogan-Sid and Flair-Savage. • Prior to WMX, McMahon had Lex Luger come out with the world belt for a television taping, scheduled to air after the pay-per-view. Either planning a swerve all along or changing his mind after word got out, McMahon had Bret Hart win the three-way tournament between Hart, Luger and Yokozuna. • In 1994, WCW used to hire paid models and actors to sit in the audience to cheer and boo their wrestlers because the audience was usually dead for their shows. • When WCW did the World Wide show, they used to have a monitor to tell the audience who to cheer and who to boo. One one occasion when Rick Rude and the Equalizer (the "heels") came out, the audience accidentally cheered for them and WCW had to reshoot their entrance over again. • When Shawn Michaels was attacked outside of a nightclub by approximately 10 "thugs" (actually it was by a marine group), Shawn was accompanied by Davey Boy Smith and Sean Waltman (1-2-3 Kid). Shawn tried to be the brave one and he ended up suffering for it. • The WWF says that the Dynamite Kid left the WWF and retired because of an injury. Actually, the Kid still wrestles in England and the real reason he left was because of a locker room fight with him and Jacques Rougeau. The Bulldog opted to keep contact with the WWF and because of that and other reasons, the Bulldog and the Dynamite Kid haven't spoken in years. • On May 11, 1987, Kevin Von Erich collapsed in the middle of the ring during an eight-man bout pitting him, The Fantastics, and Bruiser Brody against Brian Adias, Black Bart, Al Madril, and Al Perez. Fantastic Tommy Rogers, seeing Von Erich turning blue, administers cardiopulmonary resuscitation. • Bam Bam Bigelow was chosen as the opponent for Lawrence Taylor at WMXI because he was the WWF's best big man worker. Bigelow says that as payment for doing the job he was promised a big babyface push down the road. That didn't happen as The Cliq (not fans of Bam Bam) began gaining political power, and Bigelow wasn't with the company very much longer. • The Undertaker is undefeated at WrestleMania's. His record as of right now is 9-0. • Prior to entering the squared circle, Steve Corino worked in a milk processing plant in Philadelphia. • Elektra was once married to Big Dick Dudley. • Washington Redskins head coach George Allen once offered Andre the Giant a contract to play professional football. • Hulk Hogan and Ric Flair's first match took place in October 1991 with the "Nature Boy" winning the contest. • J.J. Dillon thought of the Model gimmick for Rick Martel. • Rick Martel is a gourmet chef. • The Warlord (real name Terry Szopinski) was forced to retire following a 1996 car accident involving a Pizza Hut delivery carrier. A lawsuit is depending. • DDP credits Bobby "The Brain" Heenen for coming up with the name Diamond cutter. • Spike Dudley is a former third grade teacher from Rhode Island before getting into the wrestling business. • Kurt Angle's wife is a former stripper. • In the summer of 1995, Kurt Angle failed in a tryout to make the Pittsburgh Steelers of the National Football League. • Al Snow is well trained in martial arts, mat grappling, free style, hardcore, and shoot-fight wrestling. • Shawn Michaels and Marty Jannetty won the WWF tag team title from Bret Hart and Jim Neidhart in October of 1990 at a taping for Saturday Night's Main Event. Neidhart had been fired and was filling contractual obligations, which including jobbing the tag titles to another team. In what should have been a minor point, the top rope broke at one point during the match. The Rockers defended the titles for a week after that, but then Neidhart was re-hired by the WWF, and Vince McMahon decided that the title change never actually happened, in one of the goofier decisions of the 90s, and one of many to affect the careers of Shawn and Bret. As an explanation, a story was sent to Pro Wrestling Illustrated about the rope break causing an "unfair working environment" for both teams, and hence the title reign was annulled. This was simply to cover up for the fact that they reported the title change as fact a week prior and needed a reason to no longer report it as such. The title change was edited out of the Main Event broadcast, and thus went down in history that the Rockers never had the belt. • From 1986-1989 Ric Flair averaged 34 minutes per-match. In that span he had 19 matches that lasted longer than 50 minutes. • The Rock's wife Dany is the Associate Vice President of Merrill Lynch. • Leatherface caused the scar on Mick Foley's left arm. • Hulk Hogan earned 1.8 million dollars with his match up against Randy Macho Man Savage at Wrestlemania 5. • Buff Bagwell, before becoming a wrestler was a model, exotic dancer and acted in a few Soft Porn flicks. • The Peoples Eyebrow was first named the "Heat Brow". The Rock called it that in college, but he changed the name do to the fact that the name didn't catch on. • D'Lo Brown began his career as the "head of security" for the Gangstas in Smokey Mountain Wrestling. He later debuted in the WWF as one of the many members of Faarooq's Nation of Domination entourage. • Former Nitro Girl Fyre (Teri Byrne) attended Arizona State University, and used to be a mortgage home broker. • Rick Rude was trained by Eddie Sharkey, who also trained the Road Warriors, Barry Darsow, and Nikita Koloff. • The British Bulldog (Davey Boy Smith) paid the WWF $100,000 to get out of his contract to leave for WCW. • The orginial Midnight Express was a six man tag team in Alabama, consisting of Dennis Condrey, Randy Rose, and Norvell Austin. • Mark Henry and Pittsburgh Steeler Kevin Henry are cousins. • Jerry Jarrett brought Rick Rude to Memphis, and gave him the nickname "Ravishing." • ECW's Dawn Marie appeared in the original Austin Powers MTV special as one of the go-go dancers and actually had a couple of speaking lines. • Gorgeous George, real name Stephanie Bellars, spent jail time as a teenager for burglaziring a home and slashing a girl's face with a broken beer bottle. • "Hacksaw" Jim Duggan got the idea of bringing a 2x4 to the ring from the movie, "Walking Tall." • Jim Hellwig (The Warrior) studied to be a chiropractor in Atlanta. • Demolition Ax (Bill Eadie) is a former school teacher. • Two days before WrestleMania 9, Hogan was injured in a jet-ski accident. That explains the shiner he had when he wrestled at WrestleMania 9. • Roddy Piper was Ric Flair's best man. • Before becoming a wrestler, Val Venis used to race motocross. • The Big Bossman was a prison guard in Georgia. • Randy Savage was trained by his father, Angelo Poffo. • Dusty Rhodes played college football at West Texas. • Verne Gagne trained Ricky "The Dragon" Steamboat. • Lex Luger played college football at Penn State. • Meng once wrestled as jobbber Larry Hurst. • Johnny Ace once dated former adult film star Seka. • Madusa is an accomplished singer. • The original idea for UPN's Smackdown! was for an all women wrestling show. • Kevin Nash was a doorman/bouncer at a Michigan night club before entering the wrestling business. • Disco Inferno was released from his WCW contract in '97 after refusing to do the job for Jacquelyn (now Jacky in the WWF). He returned to the promotion later in the year only after agreeing to wrestle her. However, Ted Turner had a 'no man against woman violence' clause on his networks. So Disco had to avoid making physical contact with her throughout the entire match. • Linda McMahon is a laywer. • Bad News Brown used the name "The Ultimate Warrior" before Jim Hellwig. • "Sweet" Stan Lane is the only wrestler ever trained by Ric Flair. • Del Wilkes sold the rights to the Patriot gimmick to Tom Brandi. • Simon Diamond was a catcher on the Virginia Commonwealth baseball team for three years but then he got hurt and that ended his baseball career. He did eventually go back to college and get his degree in English. • Bruce Hart gave Wayne Farris The Honkey Tonk Man name. • Chyna is fully licensed to compete in boxing. • The WWF considered giving Dustin Rhodes a "Gunslinger" gimmick, before coming up with Goldust. • Rikishi has a brother that wrestles as Fatu in Japan. • Jimmy Hart thought of the 3 Count gimmick. • Jimmy Hart and Jerry Lawler attended the same high school in Memphis (not at the same time). • Prior to WrestleMania IV, USA Today got a copy of the post-WrestleMania WWF Magazine which listed Randy Savage as champion before the tournament (where Savage beat Dibiase in the finals) took place. McMahon publicly referred to it as a coincidence. • The Ultimate Warrior left the WWF in 1991 because he and Vince McMahon did not come to terms on his future role...Warrior wanted to be in the title situation but the WWF saw differently...in 1992, the Warrior disappeared again because he did not want to get involved in a second-rate feud with Nailz. • In 1991, Ric Flair was fired/quit WCW. He showed up in the WWF soon thereafter holding the WCW title and claimed to be the "Real World's champion." The reason he was able to leave the company with the title is because he owned that title. WCW later bought it back from Flair for reportedly $75,000. • On May 26, 1987, Hacksaw Jim Duggan and the Iron Sheik were arrested by N.J. State police. Duggan was charged with possession of marijuana and drinking alcohol while driving. Sheik was charged with possession of marijuana and cocaine. Duggan received a conditional discharge and Sheik received one year probation. • On July 4, 1989, Davey Boy Smith, Jason the Terrible, and Chris Benoit were injured in a head-on automobile accident in Jasper, Alberta. Smith suffered a cracked vertebrae in his back and needed a hundred stitches in his head after being thrown through the windshield of the car. Jason suffers 2 fractures in his left leg. Benoit suffers an injured right knee. That before Mark Henry joined the WWE ,he was actually sponsored by Titan Sports during the 1996 Olympic's in which he compeated in the sport of weight lifting Mark Henry and Pittsburgh Steeler Kevin Henry are cousins Gorgeous George (real name Stephanie Ballars) ,spent jail time as a teenager for burglaziring a home and slashing a girl's face with a broken beer bottle. Eddie Guerrero's father Gori invented the camel clutch. Terry Funk is Jason Harvey's Godfather. Ryan Shamrock's real name is Alesha Webb and she is a top less dancer form Houston ,Texas The WWE's first pick for the Mr Perfect gimmick was Terry Tayor Former Freebird Jimmy Garvin is now an airline pilot. D'Lo Brown began his career as "the head of security" for the gangstas in the smoke mountain wrestling.He later made his debut in the WWE as a member of the nation of Domination. Nitro Girl Fyre attended Arizona State University and used to be a mortgage home broker. The Warlord (real name Terry Szopinski) was force to retire from wrestling following a car accident in 1996 ECW'S Dawn Marie appeared in the original Austin Powers MTV sepecial as one of the go-go dancers and actually had a couple of speaking lines. Chris Chetti was the first man to graduate from ECW's House of Hardcore wrestling school Taz and Chris Chetti are cousins. Paul Wight played college basketball at Wichita State Nicole Bass's married name is Fuchs. Jerry Jarrett brought Rick Rude to Memphis and give him the nickname "Ravishing" Rick Rude still held half of the NWA Tag team title when he signed with the WWE (The NWA later claimed that The Rock 'n' Roll Express won back thous titles in a match that never took place) Rick Rude was for a short time managed by his sister Raven. Rude was the only foreign talent to make the finals of G-1 Tournament in Japan. That before Mark Henry joined the WWE ,he was actually sponsored by Titan Sports during the 1996 Olympic's in which he compeated in the sport of weight lifting Mark Henry and Pittsburgh Steeler Kevin Henry are cousins Gorgeous George (real name Stephanie Ballars) ,spent jail time as a teenager for burglaziring a home and slashing a girl's face with a broken beer bottle. Eddie Guerrero's father Gori invented the camel clutch. Terry Funk is Jason Harvey's Godfather. Ryan Shamrock's real name is Alesha Webb and she is a top less dancer form Houston ,Texas The WWE's first pick for the Mr Perfect gimmick was Terry Tayor Former Freebird Jimmy Garvin is now an airline pilot. D'Lo Brown began his career as "the head of security" for the gangstas in the smoke mountain wrestling.He later made his debut in the WWE as a member of the nation of Domination. Nitro Girl Fyre attended Arizona State University and used to be a mortgage home broker. The Warlord (real name Terry Szopinski) was force to retire from wrestling following a car accident in 1996 ECW'S Dawn Marie appeared in the original Austin Powers MTV sepecial as one of the go-go dancers and actually had a couple of speaking lines. Chris Chetti was the first man to graduate from ECW's House of Hardcore wrestling school Taz and Chris Chetti are cousins. Paul Wight played college basketball at Wichita State Nicole Bass's married name is Fuchs. Jerry Jarrett brought Rick Rude to Memphis and give him the nickname "Ravishing" Rick Rude still held half of the NWA Tag team title when he signed with the WWE (The NWA later claimed that The Rock 'n' Roll Express won back thous titles in a match that never took place) Rick Rude was for a short time managed by his sister Raven. Rude was the only foreign talent to make the finals of G-1 Tournament in Japan. some facts are wrong! im sorry dude im not this geeky i always copy crap !!!! doesn't every one!

housing bubble? i've signed a contract for a new home in phoenix arizona back in january. now with the mortgage rate climbing and the housing market cooling (quite rapid here in phoenix), i'm worried the value will drop and i'll end up losing money. (the house i looked at was going for less than 20 grand three years ago and when i signed the contract, the price was at almost 30 grand) Should I try to back out on the contract and lose the deposit, which is a whopping 5 grand, or should i just go ahead and close on this house even if i don't feel right? and is it too late to negotiate the price of the house since i've already signed a contract? it's a new home that's being built, so i don't know if a negotiation is an option at all.. but any experts out there, please help.. any advise will be greatly appreciated.. oh my gosh, i meant to say 200K and 300K.. yeah.. i guess you really can't buy even a piece of land with that money.. ^^ anyways, i meant that if i were to buy a house exactly like the one that is being built, then it would have cost me around 200k instead of 300k three years ago.. that's what i was trying to say.. ^^

should i consider foreclosure on a rental property? This is my situation. My wife and I were kinda forced into buying a home in Arizona. We had planned on moving out there, but things changed and the builder would not let us back out. We explained this to the broker, but they still qualified us and the builder got his money. Fortunately, we were able to get renter into the home, us still having to foot about $800 bucks out of pocket to complete the monthly mortgage. We were able to buy a house in Ca this year. I had to use my 401k from my last employer, and now we have to ante up the penalties and taxes due on that. So, now we are looking at complimenting the rental property's mortgage ($1000 a month, because the lease is up in July and the renter's want to pay $200 bucks less), $500 bucks to the IRS (payment plan for the penalties on the 401k), $100 bucks to the State (payment plan for taxes owed also), our Mortgage of $3,500.00 on our current home. my question is, should i dump my rental property and lose it to foreclosure?

Considering relocating to Phx, AZ from Los angeles CA...? Next year I am seriously thinking about relocating back to Phx, AZ from Los angeles, CA. I currently make $19.00/hour at my job in LA as a temp/contractor for a mortgage company. How much would I have to make per hour in Arizona for me to maintain my current life style if I move back there?

Florida Home Purchase - Mandatory to Have Husband and Wife on Deed? Hello. My wife and I are going to purchase a house in Flordia. My credit is rock solid - her's is improving. I want to buy the house under my name only and hold the mortgage in my name only (deed and mortgage). The reasons are two fold: (1) We want to improve her credit and (2) when we buy investment property in Florida we would like to put one home entirely in her name. I want to make sure that when we buy an investment home in her name that the total balance of our primary residence will not show up on her credit report. She wants to qualify for an investment home purchase with her income and credit. The new home builder we are buying from is saying florida law dictates that a husband and wife must be on the contract, the mortgage application and the note. Is this true? Seems strange to me - this is NOT the case for California, Arizona and Georgia (we have investment property in each state). Thank you.

coragryph the lawyer said no one is above the law coragryph explain how Quarter Ton of Marijuana Equals Free? coragryph explain how when you said no one is above the law yet your claim has some problems.Please explain why those laws can be broken without worry of punishment,fines,jail time. Just when you thought our government couldn’t sink any lower in the dereliction of their duty to protect this nation and uphold our laws, you get an e-mail from a reader with a link to this… If you’re caught with two pounds of pot that you plan to sell, plan on going to jail for up to seven years. With 500 pounds, you can kiss your completely freedom goodbye. But head down to Southern Arizona, near the border, do the exact same thing, and in many cases you get off scott-free. No prosecution, no penalty, no prison…in fact - not even a slap on the hand. County prosecutors say it’s enormously frustrating and for the drug cartels, enormously profitable. But this sweet deal only applies if you’re illegal and smuggling 500-pounds or less. And therein lies one of our country’s dirty little secrets: Mexican drug runners getting a free pass back to Mexico if they’re caught with less than a quarter-ton of pot. Cochise County attorney Ed Rheinheimer spells it out. “If a seizure is made of an amount less than 500 pounds, the case doesn’t get prosecuted.” You read that right. Drug runners doing business without punishment. But don’t blame the county attorneys. Remember: These are federal cases and should be federally prosecuted. But guess what? They don’t get prosecuted by the feds and now, they don’t get prosecuted by guys like Ed Rheinheimer, either. “Since 2003 we stopped prosecuting federal referrals because of a lack of resources.” [snip] And while these “weight limits” are unfamiliar to most Americans - drug cartels know them well and plan accordingly. Sergeant Terry Parish warehouses the seizures. We walked through store rooms holding marijuana from floor to ceiling. Lisa Fletcher: “How many of these guys do you think are aware of this sort of unspoken rule that if you’ve got less than 500 pounds, you’re probably not going to get prosecuted?” “I think probably more of them are aware of it than individual officers are. Their intelligence is very good, it’s what they do for a living.” And they do it every night…all along Arizona’s border. War on drugs? Don’t make me laugh. This a full frontal assault on the American citizen and our society. Think I’m wrong? Well, consider this, it seems George Orwell’s famous quote, “All animals are equal, but some animals are more equal than others” has never been more accurate than it is in America today. Is it any wonder Americans are outraged over the current illegal immigration situation? While our government winks and nods at Mexico, we’ve watched as illegal immigrants are afforded more and more rights in our society than American citizens - American citizens who happen to get stuck with the bill to pay for all of this generosity and are hauled off to prison if we dare to think of breaking any of the laws that illegal aliens receive a free pass for breaking. Our rewards for being Americans and legal American citizens are higher taxes, higher crime rates, lower wages, higher insurance premiums and on and on while illegal aliens are rewarded for their crimes against our borders and our society with: Free health care - U.S. taxpayers pay the medical bills for illegal aliens yet the cost of most American’s monthly health insurance premium for even a small family has now exceeded their monthly mortgage payment and if we fail to pay for our insurance and need medical care, our home will have to be sold to cover the costs. The right to be above the law - Illegal aliens can hide in ’sanctuary cities’ that say, “we care more about the rights of criminal aliens than the rights of our own citizens” yet American criminals are not afforded a place to hide, in fact, they are hunted down. In-state tuition - Senators Hillary Clinton, Dick Durbin, and other members of our Congress are proud sponsors of the illegal dream yet American children have to pay more for their college tuition than their illegal counterparts as some states have already implemented in-state tuition for illegal aliens in direct violation of our federal law. Day laborer centers - American taxpayers fund illegal day laborer centers yet there are no ‘gathering places’ being built for unemployed American workers. No ID necessary - “The stigma and humiliation of constantly proving lawful status is unacceptable”, says the ACLU yet Americans are expected to show 2 forms of verifiable ID to obtain a driver’s license. Fair share of Katrina disaster aid - Hillary Clinton - defender of the illegal alien, made sure that illegal aliens got their ‘fair share’ of the Katrina disaster aid paid for courtesy the American taxpayer. Using our courts to see that crime pays - 2 illegal immigrants won an Arizona ranch in court. Do you think an American trespasser could get that lucky in court? Turning our sense of right and wrong on its head - The Minuteman Project and other anti-illegal immigration groups are targeted as bands of racists and even called ‘vigilantes’ by our President and ‘bigots’ by a member of the U.S. Senate. Americans who are trying to help the border patrol, because of our government’s total disregard for the citizens of this nation, are rewarded by being vilified by the very officials failing to live up to the office they occupy. In this topsy-turvy world, criminals are now accepted as the victim and law-abiding citizens are handed the bill and openly accused of racism if they disagree. Or arrested if they dare to protest. Our Border Patrol agents languish in prisons while known drug smugglers are given immunity. And now, American citizens can expect to face prison time for small amounts of marijuana while illegal aliens can possess a quarter of a ton - and bring it across an international border - with absolutely no ramifications? Orwell was right, “Some animals (and people) ARE more equal than others”. coragryph, tell me why are these people above the law when you clearly said nobody was or is above the law. How do you explain this?Looks like they are above the law, even though you said this does not happen, you know cause you are a lawyer. How do you explain these guys being above the law?

Do you think this would qualify for a home loan? --The house costs around $140,000. --Could give a downpayment around $60 to 75,000. --Plan on paying off all of their bills (currently on a debt management plan and late on some others.) so they would have no debts other than a school loan. --Credit scores not the greatest. I believe around 620 for both husband and wife. --Moving from Calif. to Arizona. --Wife will have same job when moving to AZ--make about $2,400 month. --Husband will not have job yet when wife moves. Plans to move once a transfer on current job goes through. Will visit on some weekends. (could be 6 months, a year?) -- They own a home in California but are accepting a mortgage buyout and their names will be taken off mortgage. Any insight on this one? Thank you! Husband makes about $3,500/month, but since he doesn't have the job yet in Arizona, is that going to be a huge problem.

Do all USA Senators have problems with telling the truth? With economic troubles dominating the race, McCain opened the new line of criticism against Romney at his first event of the day in Fort Myers, Fla., and sought to shift the campaign back to his strength, national security, and away from Romney's, the economy. First, he slapped at Romney without naming him during a question-and-answer session with Floridians, saying: "Now, one of my opponents wanted to set a date for withdrawal that would have meant disaster." Minutes later to reporters, the Arizona senator was more direct: "If we surrender and wave a white flag, like Senator Clinton wants to do, and withdraw, as Governor Romney wanted to do, then there will be chaos, genocide, and the cost of American blood and treasure would be dramatically higher." Asked about the comment in Land O' Lakes, Fla., Romney bristled. "That's dishonest, to say that I have a specific date. That's simply wrong," he said. "That is not the case. I've never said that." The former Massachusetts governor added: "I know he's trying desperately to change the topic from the economy and trying to get back to Iraq, but to say something that's not accurate is simply wrong — and he knows better." Later in Sun City, Fla., McCain stuck to his assessment and said: "The apology is owed to the young men and women serving this nation in uniform." He said he was quoting Romney as favoring a "timetable" for withdrawal and argued that he was not misquoting Romney, saying, "Clearly, the impression was that he was ready to set a date for withdrawal." But Romney quotes circulated by McCain's campaign didn't show Romney making that exact comment — nor did aides back up McCain's earlier comment that suggested that Romney "wanted to set a date for withdrawal." In an interview with ABC News in 2007, Romney said: "There's no question that the president and (Iraqi) Prime Minister al-Maliki have to have a series of timetables and milestones that they speak about. But those shouldn't be for public pronouncement. You don't want the enemy to understand how long they have to wait in the weeds until you're going to be gone." While Romney has never set a public date for withdrawal, he has said that he agrees with Gen. David Petraeus, the top U.S. commander in Iraq, that U.S. troops could move to more of an oversight role in 2008. McCain, for his part, has been a staunch supporter of the Iraq war and advocated more troops on the ground for years before Bush embraced that position last year and ramped up the number of U.S. forces in Iraq. The buildup helped curb violence in Iraq, and McCain has not been shy about claiming credit for the strategy's success. Romney aides labeled McCain's charge "stunningly false," while McCain aides portrayed his Iraq comments as part of a broader effort in the coming days to question Romney's leadership, foreign policy experience and judgment. A former venture capitalist and business consultant, Romney has spent the past week arguing that he is the Republican best able to right a troubled economy, given his 25-year record in the private sector. He's argued that McCain, who has spent much of his life in the military and in Congress, doesn't have the qualifications necessary to lead the country out of a potential recession. McCain, in turn, has sought to beat back Romney on the issue by arguing that a president needs to be ready to lead and qualified on both national security and economics, and he offers both — despite having previously acknowledged that the economy is not his strongest suit. He also sought to rebut Romney's criticisms in an unusual fashion: he dispatched high-profile surrogates to talk with the press corps traveling with the former governor. Among them: former Pennsylvania Gov. Tom Ridge and former Massachusetts Gov. Jane Swift. She boarded the Romney press bus to repeat similar criticisms to reporters. ____ Associated Press Writers Glen Johnson in St. Petersburg, Fla., and Libby Quaid in Fort Myers, Fla., contributed to this report. * Email Story * IM Story * Printable View RECOMMEND THIS STORY Recommend It: Average (196 votes) 2.7 stars » Recommended Stories Full Coverage: 2008 Presidential Election Off the Wires * Obama runs away with SC primary AP, 3 minutes ago * Racial divide could hurt Obama beyond SC AP, 4 minutes ago News Stories * Obama wins in South Carolina at The Chicago Tribune (reg. req'd), Jan 27 * Obama wins South Carolina at Politico, Jan 27 Opinion & Editorials * Obama's Big Win in SC a Referendum on Clintons The Nation via Yahoo! 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Calculate Your New Mortgage Payment. www.LowerMyBills.com * Get a Free iPod Shuffle Complete just 1 offer and it is your's free. www.myeasyrewards.com Related Video AP story image Play Giuliani falls in Florida polls AP CBS4 story image Play Latest Polls Show Sen. McCain Ahead in Florida CBS4 Miami » All news video Republican presidential hopeful Sen. John McCain, R-Ariz., speaks at a campaign event at the Shell Factory and Nature Park in North Fort Myers, Fla., Saturday, Jan. 26, 2008. (AP Photo/Charles Dharapak) AP Photo: Republican presidential hopeful Sen. John McCain, R-Ariz., speaks at a campaign event at the Shell... 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Why do people constantly say Republicans are against clean air? Pelosi opposes EPA clean air decision WASHINGTON - House Speaker Nancy Pelosi told the Environmental Protection Agency on Friday that Congress would closely scrutinize its decision to reject California's request to tighten rules on greenhouse gas emissions. ADVERTISEMENT Pelosi, D-Calif., said she strongly disagreed with the agency's rationale for the decision and would support an investigation by Rep. Henry Waxman, D-Calif. He is seeking all documents related to the state's request for a waiver to implement fuel efficiency rules for vehicles that it says will work faster than the federal government's. "The actions of the EPA in denying the California request cannot help but raise serious questions about the support of the Bush administration for state efforts to safeguard the environment and the health of their residents," Pelosi wrote in a letter to EPA Administrator Stephen L. Johnson. EPA's announcement Wednesday that it would bar California and at least 16 other states from regulating tailpipe emissions from new cars and trucks was swiftly criticized by state leaders and environmental groups. Several states have said they will appeal the decision. Johnson said California's emissions limits were not needed because Congress approved energy legislation raising fuel efficiency standards nationwide to an average of 35 miles per gallon by 2020. California officials say their state's law was tougher and acted faster. White House deputy press secretary Tony Fratto defended Johnson's decision Friday: "He made that based on what he thought was best for the nation in addressing this issue, and he pointed to the really significant policy changes that are going to come through from the energy bill that we signed last week." "There's always a balance, and he (the president) does have a healthy respect for states' rights," Fratto added, "but these decisions need to be made in terms of what is best for the country." It was the first time the agency had completely denied a Clean Air Act waiver request from California after granting more than 50. The state adopted tailpipe standards in 2004 that would have required car makers to reduce greenhouse gas emissions by 30 percent in new cars and light trucks by 2016. Under the Clean Air Act, California needed a waiver to put in place the rules, and other states could then adopt them, too. Twelve other states — Connecticut, Maine, Maryland, Massachusetts, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Rhode Island, Vermont and Washington — have adopted the standards. The governors of Arizona, Colorado, Florida and Utah have said they also plan to adopt them. 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Compare up to 4 free quotes. www.pickamortgage.com * Refinance $300,000 for Only $965/Month $300,000 Mortgage for only $965/month. Save $1,000's - No obligation. www.HomeLoanHelpLine.com Speaker of the House Nancy Pelosi, D- Calif., pauses during a news conference on Capitol Hill Wednesday, Dec. 19, 2007 in Washington. Congressional Democrats are planning to take on a broader policy focus next year on the Iraq debate after failing repeatedly to pass anti-war spending legislation this year, Pelosi said (AP Photo/Evan Vucci)

I need a loan for building my home,but i have really bad credit? I need a loan for building my home,but i have really bad credit. My wife and i are in the process of building our home in missouri,the problem is im not sure how to find any finace companies that will even talk to me about a small home loan for building. Im only asking for about 25,000 and plan on doing all the work myself. Two years ago we were living in michigan and owned our own home,but when economy went to china,my wife lost her job as a school teacher,that left me to be the sole bred winner for paying mortgage and the rest of the bills.It went ok for awhile untill we discovered the possibility of my wife ever getting another teaching job in michigan was slim to none,nevertheless after a while we were forced to put our house on the market and move to arizona,where she could get a job,we made the payments till we could no longer and lost the house to foreclosoure.Now a friend of mine has givin us ten acres of land in missouri. We would like to build but dont know where to go.Help

joint ownership of property with brother who won't move on.? Me and my brother purchased a house .We hold the title in joint ownership with right of survivorship. I got married and was planning to move on with my wife. We have a house being built and plan on moving in soon. The current house that I live in with my wife. I pay for entirely. I finally got my brother to move out after several months of being shorted money then eventually not getting any money from my brother for his half. He left me owing me thousands of dollars. I have tried to reach him several times to get him to sign a quick claim deed. He wont get back to me. We owe 114,000 on the mortgage and 65,000 on a home equity loan. The house is worth only about 150,000 after the market dropped. I want to refi so I can lower the payment and rent the place out. What could I do to get him off the title if he wont sign the quick claim deed. What are my options for short sale or foreclosure if I cant carry the house any longer. What will happen to me if I foreclose. The house is in arizona.

Why won't my house sell (asked before but with more info this time)? Okay, I asked this question earlier but evidently didn't share enough specific information. My dilemma: my house has been on the market for 13 months. I have lowered the price dramatically during that time but still no offers. It is located about two hours north of Phoenix, Arizona, in a beautiful retirement community called Prescott. The home has been freshly painted on the outside, has absolutely stunning views of two well-known mountains, and has pool, tennis court and trailhead access. My husband's relocation company has recommended another $50K price reduction. Understand that this market is very slow, with approximately 200 other homes somewhat similiar in square footage, lot size, etc. Some are priced higher, some lower. So what can I do to sell this house? We're now paying temporary rent where we are now (in the Northeastern part of the country) as well as the mortgage on this house.

I worked for three months at a job that I hated and don't want to put it on my resume, do I have to? okay-here is the scoop. I work in the real estate/mortgage industry. I have a very steady work history, 6 years at one company and three at another. I worked for three months at a new postion and was being treated very poorly in terms of compensation and my boss's attitude towards me. We parted on kind of ugly terms and I really don't want anyone contacting him. Here is my problem- I am relocating from New York City to Arizona. Do I put this on my resume? I've since taken a new position with a good company and a good boss. Help! Thanks in advance! In reference to the ugly remark-this guy was a real piece of work-I came from a mortgage co and worked for him as a title rep (business dev't) for a title company. After I left, he tried to slander me to some of my clients (also my friends and old colleagues!) and word got back to me. Too bad it's hard to win a slander suit What a jerk! Too bad every one of my clients (whom I brought to his company) followed me to my new one. :)

interesting wrestling facts? kurt angle's wife was a former stripper i wonder how he feels about that lmao

Does anyone know of a great mortgage loan program for a teacher and/or police officer in the state of Arizona?

Home Buying in Arizona for first time buyers with less than perfect credit!? Would greatly appreciate any suggestions, ideas,tips, information, internet sites(well you get the point) on home buying for a single dad who is a first time buyer with less than perfect credit. I live in Arizona so if you are aware of mortgage programs(government or private), please share details with me. I would like to purchase a house in the summer of 2007 as I keep hearing that this is a buyers market. Appreciate and thanks for helping out!!By the way I am a full-time employee and part time student.