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Is the only way to get my name off a mortgage is to have my ex either refinance or sell the place?

Thanks

a family member needs to get a mortgage for a home they are currently "buying" from a friend on contract.  I say "buying" in a very loose term, because I am not sure that they even have a written agreement, sometimes it sounds like they are just "renting".  Anyway, credit is a problem for them.. bankruptcy 7+ years ago, collection accounts they are currently paying on, etc. and probably some current finance company bills and "of course" the "new-used SUV" they got about 8 months ago.  You all know what I'm saying here, this is not a "one time credit problem".... Supposedly, they tried one mortgage company but, according to the wife, after about 3 months they got mortgage approval but PMI insurer turned them down.  They actually have a good deal on the home, appraised at approx 90,000 and they are buying it for approx $78,000, so there is some equity.  Of course, they have actually no $$$ to really put down.  The situation is that they have been living there a few years and the seller "a friend of theirs" needs the cash by October, so that he can purchase a property he is currently buying on contract from his sister, who needs the money now, etc. and on and on it goes.  Anyway, if they cannot come up with a mortgage, they are out, have to move and of course, they will be trying to hit us up for cash or, heaven forbid, a place to live!!!   I need any suggestions anyone has or any names of mortgage companies that deal with this particular situation. The wife called us and asked us to co-sign, but that's out of the question.  Appreciate any advice

I am looking to buy a house that is $185,000.  From the sale of my current home, I will make $165,000 and will use all of that as a down payment.  Obviously, I am 20k short.  I don't have the best credit (low FICO score) so I am looking for a mortgage company that will loan me what I am short with bad credit.  Anyone know of any?

Thanks

say if you like to go to the same place at the same time of year all the time it is okay but if you are supposed to be able to visit other resorts it can be really difficult to get a booking.

Best answer - talk to some people who actually have time shares with the company you are considering and see how they feel.

Is this a new problem or has it been ongoing?  If he is constantly tearing into things and is uncontrollable I would definitely call the pediatrician immediately and tell them you are at your wits end.  I too used to work in a daycare and I am so thankful that I have been able to get a job at home and get my daughter out of daycare (my older 2 are already in school).  I remember calling my pediatrician one night in tears telling them I had it with my middle child, (he was 6 at the time but he had always been this way) he was so mean and hurtful and angry.  The pediatrician called me back and we got my son in the next day.  We then put him in therapy and started him on ADHD medication.  He got dramatically better and he only stayed on the medication for 1 year.  He is 8 now and no longer on the meds.  He still has his moments but it is so much better. 

As for homeschooling I don't know how you do it and I give you a lot of credit. (You definitely have a full-time job just being a mom as well as homeschooling and working at night, you must be exhausted.)  But if you are really struggling with it think about why you are opposed to public schooling.  Is it the area you are in?  Is it a decent school district?  If you only want to homeschool so that your kids can be with you then I would definitely think long and hard about what is best for your kids and family, remember your sanity should be the #1 priority.  If mom is not happy, no one is happy.

Good luck, let us know how it turns out.

Seriously, she was supposedly a well known and well respected pet psychic.  My dog was elderly and in poor health.  I'd adopted her at 10-11 years of age, and now it was 5 yrs later.  Her owner was not entirely honest with me about her background, so I was curious about that, and her current state of health. 

I saw her flyer at a Pet Expo, so I gave her a call.  I took notes about what she said.  Some of it was accurate (if obvious/generic), and the rest was... well, I wouldn't say *wildly* off base, but it wasn't accurate and/or I didn't believe it.  I don't believe she had any kind of gift, though it was an intersting conversation and she was very professional. 

I do think some (very few) people do have abilities in this area that most of us don't have, but I also believe most 'psychics' are full of it and just do it for the money.  I've never wanted to see a 'people' psychic, and I wouldn't try a pet psychic again either.  JMO. 

he told me that the pictures weren't for him and they aren't on his MySpace page (which I did check) and that yes this boy does smoke weed but he doesn't.  He says he is too afraid of his dad.  We live in a small town where everybody knows everybody and their business so he's afraid it would get back to his dad somehow.

In some ways I believe him because, like I said, he doesn't act different, I haven't seen any of the classic signs, red eyes or visine bottles, no munchie type eating, not sleeping more than usual, etc.  But in other ways I'm still susicious.  It's sooo hard!  What if I tell him I don't believe him and he really is telling the truth?

Shoot! I have to go,,, I'll finish later.

Thanks again for your advice.

even to the point as to how they have sex and that's ALL going to be revealed on her show tonight. I'm definitely not going to watch. Those 2 make me sick, especially now that she/he is pregnant again and due in June! BW thinks she's doing the world a favor by doing this special report.

The reason it kept its female parts was to have kids. What gets me is they never heard of adoption? Why not adopt? Because they wanted to make money, that's why.

I don't know how many times they pointed out that she is now a legal male on all records, SS#, birth (how'd they accomplish that?), marriage license, medical history, etc. If she/he is a legal male, she/he shouldn't have the reproductive organs. Period.

 I feel sorry for the kids. They will be so confused because they are going to tell them as soon as they're old enough  to speak and/or understand.

This world is going to h---- in a handbasket.

She said she was just worried that she might be sick.  She said dd would cry like the whole world caved in and then the next minute she would be happy and play as if she didn't have a care in the world.  I don't really know what it is about. 

I haven't taken my own medication for a few days and I guess it has brought out my paranoia.  I have never been as bad off as my cousin but I do take antidepressants.  Yeah, we live in a small town and people like to talk. 

Spaghetti sauce cooked 3 days and nights, then enough spaghetti for a week. Chili for a week, soup for a week. She cooked like it was still the depression era, yet it was the ླྀs. She would grumble about hamburger being $.50 a pound. But then, you have to realize, she was in her 60s when DH was in his teens. He was "an accident".

 He was really happy when I made him steak. I still feed him anything he wants, and he likes my spaghetti sauce and chili better than his mom's. Of course, that could be because I don't give it to him every night of the week. Just when he gets a craving for it.