Fittest loser

Articles filed under Lank, Edith

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  • What to ask when looking for a broker Oct 12, 2013 12:00 AM
    Q. We are thinking about selling our cottage and meeting with a real estate agent soon. What questions should we ask? Should we interview more than one?

  • On homes and real estate: Full-price offer accepted, then voided Oct 5, 2013 12:00 AM
    Q. Recently we put a purchase offer in on a house that was listed for $289,000. We offered the full price. The seller signed the purchase offer the same day. Three days later the sellerís lawyer voided our purchase offer. How often does this happen and is this sort of dealing legal?

  • In many cases, an appraisal before listing is unnecessary Sep 21, 2013 12:00 AM
    Q. Our development has townhouses and patio homes. Some have added porches. My question: Is it wise to have a bank appraisal before putting oneís home on the market?

  • Streamline for underwater mortgage Sep 14, 2013 12:00 AM
    Q. We are feeling trapped by our underwater mortgage. Itís at 6.5 percent, and we canít refinance for a lower rate because we owe a little more than the house is worth. We have good jobs, good credit and some cash for closing costs. Is there any way we can take advantage of the low rates before they start going up?

  • Old vacant lot is not worth agentís time Sep 7, 2013 12:00 AM
    Q. In 1972, my parents bought a vacant lot in Florida for $1,000. They hoped to build and retire there. Theyíve both passed away, and they did not have wills. The property is not worth that much, and I never legally had it put in my name.

  • What is a Lady Bird Deed? Aug 30, 2013 12:00 AM
    Q. Iím an official resident of Florida now. My neighbor is also a widow and her attorney recently set her up with something called a ďLady Bird DeedĒ to ease the transfer of her house upon her death. Can you please explain its use/validity?

  • With jointly owned property, does majority rule? Aug 17, 2013 12:00 AM
    Q. Two of my cousins and I own a house. I want to sell and so does one of my cousins. The other one wants to keep it. So what happens? Does majority rule?

  • Accepting an offer by phone doesnít actually count Aug 10, 2013 12:00 AM
    Q: My wife and I made an offer on a home. Our real estate agent texted my wife about a phone call from the ownerís real estate agent saying the owner accepted our offer, and they would send the paperwork the following day. Two days passed with no paperwork.

  • Holding a mortgage can be safe under certain conditions Aug 3, 2013 12:00 AM
    Q. I have owned a two-family rental home for over 30 years. It has been paid for long ago and has been a nice source of income. I have decided to sell this property. I have not listed it yet. I have someone who is interested in buying the property. This person wants me to hold the paper on it.

  • Mortgage interest isnít pre-paid Jul 26, 2013 12:00 AM
    Q.We had a 30-year loan for the mortgage of our house and we paid off the mortgage in full 16 years early. We thought we would receive not only the escrow money back but we would receive the remaining interest money back. This would have been the interest we would have paid for the 16 years remaining of the loan because we had been paying interest each month as part of our payments. But we received only the escrow money. We are wondering why.

  • Fee paid to real estate brokers varies by region Jul 20, 2013 12:00 AM
    Q. I would like to know what the commission rate is for sellers?

  • On homes and real estate: Buyer and seller should hire a lawyer Jul 13, 2013 12:00 AM
    Q. My tenant has been renting from me for 18 years. He has received some money and wants to buy the house. It will be a cash deal. What have we got to do now to formalize this sale? I know probably a lawyer will be needed. There will be no inspection because he knows the house. Where do we start?

  • What to do when the mortgage is paid off Jul 6, 2013 12:00 AM
    Q. Years ago my uncle lent me the money to buy our house, and we have finally paid off the mortgage. You mention how important it is to have a satisfaction certificate filed in the public records to clear the debt. How do we get that?

  • Why the lawyer for a cash purchase? Jun 28, 2013 12:00 AM
    Q. I havenít bought a house before, but I want to buy one now. I would be paying cash for the house. Everyone seems to mention having an attorney handle the purchase. Is this always necessary, even if the property is owned by a bank?

  • Is a Ďfor saleí sign in the yard necessary? Jun 22, 2013 12:00 AM
    Q. I donít want a "for sale" sign on my front lawn. Is it a requirement? What if I donít use a broker?

  • Older couple with debt should talk to housing counselor Jun 15, 2013 12:00 AM
    Q. We moved out of our home because we could not afford to pay our two home equity loans and the upkeep of the house. We moved to a one-bedroom apartment. The bank has been informed. We have mailed to the bank copies of our taxes, which we did not pay.

  • Seller should change price, not agents Jun 1, 2013 12:00 AM
    Q. I have been using the same agent for over a year to help sell my house, and the contract is up for renewal at the end of this month. I think that he has been doing every thing possible, including a couple of price reductions. We get lots of traffic but no offers. My question is, will changing agents really make a difference?

  • On homes and real estate: Whatís going on? May 25, 2013 12:00 AM
    Q. We have found a home we like in what appears to be a great neighborhood, but of the 42 homes on that street, seven are for sale. All those for sale signs have us worried there's a mass exodus going on. What questions can we ask, and to whom, that might give us more info into a potential problem?

  • Heirs worry about 96-year-old with mortgage May 18, 2013 12:00 AM
    Q. When my 96-year-old dad dies, will we heirs have to pay on his mortgage until the property sells? What happens if we donít make payments?

  • Father canít take back a $15,000 gift May 11, 2013 12:00 AM
    Q. Twelve years ago, my dad, then 80, purchased a condo in Florida for himself and his live-in girlfriend. He paid $30,000 for it. The deed states that in the event of the death of one of them the other inherits the condo.

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