YorkieTalk.com Forums - Yorkshire Terrier Community
Page 11 of 14 « First 78910 11 121314
Show 30 post(s) from this thread on one page

YorkieTalk.com Forums - Yorkshire Terrier Community (https://www.yorkietalk.com/forums/index.php)
-   Off Topic Discussions (https://www.yorkietalk.com/forums/off-topic-discussions/)
-   -   im getting ready to lose me home..... (https://www.yorkietalk.com/forums/off-topic-discussions/62959-im-getting-ready-lose-me-home.html)

suz 12-28-2006 01:03 PM
Quote:
Originally Posted by ytsirk27
Thank You so much! Ill send you something. I dont want handouts.....:)
I never meant it to be a handout. I just thought it'd be nice to help you out. Did you ever see the movie "Play It Forward"? (I think that's the right name) I hope you meet your goal soon!!! Good Luck.
Suz

candybaby 12-28-2006 01:03 PM
Quote:
Originally Posted by hunniebunnie
isn't $466 plus the $400 you qualify with the government enough to pay the 2 months of back mortgage ($420 per month x 2 months)you owe to the owners who sold to you? since you own the deed, taxes should go to the county directly and insurance should go to the insurance company directly under your own name right? so hurry up and pay the creditor's at the door first, you can always work something else with the insurance company and the county. worst that can happen, is that the insurance company drops your coverage for now right? at least you'll still be able to keep living where you are until the daycare money comes in, then you can take care of the property taxes and insurance along with the next month's mortgage!
I believe she needs $466 MORE and she already added the $400 in.

hunniebunnie 12-28-2006 01:23 PM
Quote:
Originally Posted by candybaby
I believe she needs $466 MORE and she already added the $400 in.
so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?

Breny 12-28-2006 01:26 PM
Quote:
Originally Posted by hunniebunnie
so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?

That makes sense!! They should be happy to take that !!!! But if she has been late before they may not be so nice about it..maybe thats why? Or they could just be mean?

red98vett 12-28-2006 01:32 PM
Quote:
Originally Posted by hunniebunnie
so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?
All I know is when I'm in the same boat (well I'm close already lol) is ....I WANT YOU AS MY FINANCIAL ADVISOR !!! :D Go girl - you must be in Real estate and sound like you really know your stuff.

Lexi Rae 12-28-2006 01:40 PM
hunniebunnie,, yourrrrrrrr good....... i will look you up to if i need help...
hopefully i never will

candybaby 12-28-2006 01:41 PM
Quote:
Originally Posted by hunniebunnie
so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?
In post 127, 128 states she only needs $466 more... Also, I know my taxes and insurance are impounded in my mortgage payment everything has to be paid at ONCE.. 642 x 2 ( because she's 2 months behind)= 1284-400(income tax money)=$884 still needed and if she needs $466 more then she made $418

irreverentglow 12-28-2006 01:46 PM
I just bought some stuff off your website. Hope this helps! :D

hunniebunnie 12-28-2006 01:50 PM
Quote:
Originally Posted by red98vett
All I know is when I'm in the same boat (well I'm close already lol) is ....I WANT YOU AS MY FINANCIAL ADVISOR !!! :D Go girl - you must be in Real estate and sound like you really know your stuff.
oh you're too kind. believe me, hubby and i have our own financial crisis of our own we're trying to dig out of now. our goal is to be in the clear by mid next year! we actually just sold our condo and went back to renting recently n order to reduce our expenses. hopefully in a few years, we'll be ready to buy the home of our dreams!

we researched the ins and outs of real estate and loans almost as much as my research on yorkies before our first pup! ;) once you've signed and initialed a stack of papers as thick as the thickest volume of the encyclopedia britannica (for those who still remember the paper version of the encyclopedia!) you're not likely to forget!!!

stephluvsangel6 12-28-2006 01:58 PM
so whats the count now? do we know how much more she needs?

hunniebunnie 12-28-2006 02:04 PM
Quote:
Originally Posted by candybaby
In post 127, 128 states she only needs $466 more... Also, I know my taxes and insurance are impounded in my mortgage payment everything has to be paid at ONCE.. 642 x 2 ( because she's 2 months behind)= 1284-400(income tax money)=$884 still needed and if she needs $466 more then she made $418
having property taxes and insurance impounded with mortgage payments are optional to be selected when loan papers are signed at close of escrow. the only insurance that i know of that is not optional and must be rolled in with the mortgage payments is pmi, which would apply only if you put less than 20% down and has only 1 loan.

the financial institution holds the money in the owner's name and pay the taxes and the insurance all in the owner's name. the financial institution is recognized by the county and the insurance company as a legitimate third party with a lien on the home. can a private and individual lender be legally held in the same regard as a financial institution in this case? i've no idea. i've never heard of a home mortgage be held as a personal loan from an individual and don't know if it works the same as if the home loan is from a bank. don't know if this is a common case for real estate sold outside of california. just hoping for a best case senario for kristy and hopefully she's can keep her creditor at bay long enough to get caught up. then keep up with the payments going forward.

red98vett 12-28-2006 02:04 PM
Did this get mentioned already ?? Kristy - Didn't you say you just bought wedding bands for each other for Christmas gifts ??? why not pawn them ??? you'll get something and can get them out later when you have money .....

Didn't you know this was coming ??? I'm not knocking you but I would have been put every cent into my home rather than Christmas but that's just me - and I'm still trying to think of things you can do for money ...have you spoken to them again ?

Shadow 12-28-2006 02:05 PM
Below she says she has 10 days to become current after they are served.
The worse thing you can do is avoid someone,just face them and be honest. That shows more integretity. Good luck,keep us posted.

Quote:
Originally Posted by ytsirk27
yes once we are served we have like 10 days to get it current. theres no making slow payments in it at all. :( the most the churces pay is 100.00 around here abd there is only 1 church that does it.:( they have been patient though. they could have enforced this about 14 days ago but didnt but now its down to the wire.. I have somebody i could probably go ask but i havent seen or been doewn to talk to them for amost 4 months. There like parents to me but i feel so ashamed becasue i already owe them money. Its really messed up on my part but i didnt go see them BECASUE i owe them money and felt useless and now i dont want to go down there and ask them for 1500.00. See what I mean.

JCarlson2004 12-28-2006 02:07 PM
Quote:
Originally Posted by red98vett
Did this get mentioned already ?? Didn\'t you say you just bought wedding bands for each other for Christmas gifts ??? why not pawn them - you\'ll get something and can get them out later when you have money .....Didn\'t you know this was coming ???
I agree with V. Wedding bands are very special but your home, where you and your family reside, is more important. I know it must be hard to part with something that special but maybe it would help you in this crucial time. I hope you make your deadline at 5 p.m. Best of luck.

bettyeanne 12-28-2006 02:10 PM
Can someone tell me how to make a donation on the website without ordering right now? I don\'t have time to look and decide ... just want to send money before the deadline.


All times are GMT -8. The time now is 09:01 AM.
Page 11 of 14 « First 78910 11 121314
Show 30 post(s) from this thread on one page

Powered by vBulletin® Version 3.8.9
Copyright ©2000 - 2026, vBulletin Solutions, Inc.
Copyright ©2003 - 2018 YorkieTalk.com
Privacy Policy - Terms of Use


1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448 449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491 492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 515 516 517 518 519 520 521 522 523 524 525 526 527 528 529 530 531 532 533 534 535 536 537 538 539 540 541 542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558 559 560 561 562 563 564 565 566 567 568 569 570 571 572 573 574 575 576 577 578 579 580 581 582 583 584 585 586 587 588 589 590 591 592 593 594 595 596 597 598 599 600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 619 620 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635 636 637 638 639 640 641 642 643 644 645 646 647 648 649 650 651 652 653 654 655 656 657 658 659 660 661 662 663 664 665 666 667 668 669 670 671 672 673 674 675 676 677 678 679 680 681 682 683 684 685 686 687 688 689 690 691 692 693 694 695 696 697 698 699 700 701 702 703 704 705 706 707 708 709 710 711 712 713 714 715 716 717 718 719 720 721 722 723 724 725 726 727 728 729 730 731 732 733 734 735 736 737 738 739 740 741 742 743 744 745 746 747 748 749 750 751 752 753 754 755 756 757 758 759 760 761 762 763 764 765 766 767 768 769 770 771 772 773 774 775 776 777 778 779 780 781 782 783 784 785 786 787 788 789 790 791 792 793 794 795 796 797 798 799 800 801 802 803 804 805 806 807 808 809 810 811 812 813 814 815 816 817 818 819 820 821 822 823 824 825 826 827 828 829 830 831 832 833 834 835 836 837 838 839 840 841 842 843 844 845 846 847 848 849 850 851 852 853 854 855 856 857 858 859 860 861 862 863 864 865 866 867 868 869 870 871 872 873 874 875 876 877 878 879 880 881 882 883 884 885 886 887 888 889 890 891 892 893 894 895 896 897 898 899 900 901 902 903 904 905 906 907 908 909 910 911 912 913 914 915 916 917 918 919 920 921 922 923 924 925 926 927 928 929 930 931 932 933 934 935 936 937 938 939 940 941 942 943 944 945 946 947 948 949 950 951 952 953 954 955 956 957 958 959 960 961 962 963 964 965 966 967 968 969 970 971 972 973 974 975 976 977 978 979 980 981 982 983 984 985 986 987 988 989 990 991 992 993 994 995 996 997 998 999 1000 1001 1002 1003 1004 1005 1006 1007 1008 1009 1010 1011 1012 1013 1014 1015 1016 1017 1018 1019 1020 1021 1022 1023 1024 1025 1026 1027 1028 1029 1030 1031 1032 1033 1034 1035 1036 1037 1038 1039 1040 1041 1042 1043 1044 1045 1046 1047 1048 1049 1050 1051 1052 1053 1054 1055 1056 1057 1058 1059 1060 1061 1062 1063 1064 1065 1066 1067 1068 1069 1070 1071 1072 1073 1074 1075 1076 1077 1078 1079 1080 1081 1082 1083 1084 1085 1086 1087 1088 1089 1090 1091 1092 1093 1094 1095 1096 1097 1098 1099 1100 1101 1102 1103 1104 1105 1106 1107 1108 1109 1110 1111 1112 1113 1114 1115 1116 1117 1118 1119 1120 1121 1122 1123 1124 1125 1126 1127 1128 1129 1130 1131 1132 1133 1134 1135 1136 1137 1138 1139 1140 1141 1142 1143 1144 1145 1146 1147 1148 1149 1150 1151 1152 1153 1154 1155 1156 1157 1158 1159 1160 1161 1162 1163 1164 1165 1166 1167 1168