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Ernest Said:

How to request a copy of mortgage contract?

We Answered:

You may have to ask your parents to make the request. Unless you have their permission in writing to represent them. If you do; ask for a copy of the mortgage and the note. If this house had a closing then the closing company (title company) will have a copy of the docs.

Joan Said:

Is Home Capital Group Inc. HCG.TO a (Foreclosure Mortgage) stocks a wise "short" candidate?

We Answered:

As per TA on Yahoo Fin, HCG.TO seems in very higher range, its price is close to upper bolingerband, way above 10 days MA & 20 days EMA, RSI above 90, i,e, it is overbought, Slow Stoch %K is near to crossing %D under, can term as bearish.. & it is also above 90, overbought. All these thing suggest this price level may not be sustained..

Leah Said:

how do i find my account at guardian mortgage company, inc. for my home loan?

We Answered:

Call them with you social security number. They will be able to find your loan that way.
Good Luck,
Re Agent,
Remax

Gene Said:

my home is worth less then i owe now any suggestions on what i can do to bring the mortgage payment down?

We Answered:

When I purchased my home...it was 135,000.00. It is now worth 650,000.00. Do you think I should pay the bank the difference in the loan amount compared to the latest purchase price ? You purchased in a bad time...you took a chance...I don't want to pay for your bad choice....ie....bailout...ie...my tax dollars.

Alma Said:

If a home has not been repossesed after 4 year safe to assume that the mortgage lien is not valid?

We Answered:

No, that is NOT a safe assumption. It would be unusual for a lender to not foreclose upon a property, but time lapsed does not invalidate a lien.

In most cases, liens are valid until removed by the person or firm who obtained the lien in the first place.

Your County Register of Deeds (or similar agency) will have records relating to the filing of any liens against the property. If they are not legally removed, consider them valid, and start checking to see how they can be removed.

Becky Said:

How do I choose a mortgage company?

We Answered:

I would go through your local bank or credit union. You are familiar with them and can actually sit down and talk to them. Of course the broker was nice-she is probably going to charge you a ridiculous origination fee! I work for a title company and close loans for mortgage brokers and for banks-I would say that the people who go through a bank/CU get a better deal 90% of the time. The only way that I would advise you to go to a broker is if you have credit issues-they might be able to get you financed when a bank can not. Hope that helps.

Jared Said:

had a job related question?

We Answered:

I THINK this is the company that approached us a few years ago to refinance our home. We didn't use them bcz it was not a financial gain for us ot do so at the time.

Check them out on the web - they have a site, but also call the Better Business Bureau for more details.