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Jean Said:

How can I deal with a mean person every day?

We Answered:

Check around for your community's social or legal services and talk to an attorney asap. If the house is in your name, it's your house....period.

However, since he's violent, you might be able to check with a local shelter. They can guide you on how to get out safely and of course your kids would be there, too.

But you can't play games with this. You don't mention if you still think you love him or not...but your kids need out of this environment ASAP.

There's options and help out there, but you need to get on the phone and get working on it. Don't look at your finances and assume you'll be broke - you need to divorce him and probably sell the house and move. You won't be broke. He'll be paying money to you.

No woman should live in fear but this goes double for innocent little kids.

Renee Said:

Is there something wrong with the housing market??

We Answered:

Sounds like you need a rent control law. Good luck with the politicos who are stuffing their pockets with " contributions " from the lobbyists.

Randall Said:

Do I have to pay Mortgage Insurance If........?

We Answered:

Get the tax returns corrected.

Then go speak to another mortgage lender. You may be able to find one that would manually under write the loan.

Shannon Said:

How can i handle this?

We Answered:

Mmm i feel ya there and at the moment it seems every1 gets help from the gov. sept me. no1 will bale u out of a car loan just a house loan. try a local action agency 4 help on bills. they help mainly w stuff like electric bills.

Tim Said:

what do i do if my mortgage is more than the value of my house and I'm having a hard time paying the mortgage?

We Answered:

You obviously only have these options:

Short sell the property
Keep renting it out and taking a loss hoping that the market will turn around
Let a property foreclose
Offer a lease option on the property

Freddie Said:

We filed bk..is the escrow money still ours ?

We Answered:

there is literal and practical. YOU did not volunteer the amount of the check.

at least, you paid the insurance premiums no one else did. For that reason, not knowing
other things, I would say the money is yours.

and you did not fill out bogus docs to get it. KEEP it.

Misty Said:

Do you think this guy is trying to rip me off since I'm doing owner financing through an attorney?

We Answered:

I am concerned. The seller has an existing mortgage on the home (the home equity you mentioned). Most mortgages will not allow a home to be sold without the mortgage being paid in full. It is called a "due on sale" clause. If his home equity (which is a mortgage) has such a clause he is prohibited from selling the home to you on a land contract or any other owner financing terms. Insist on a title search and consult with the title company (not his attorney) to make sure he can legally sell the home under such an arrangement. If he can and you proceed, make sure the land contract is recorded, so your interest is documented.

These situations are always a bit disconcerting, since even if you pay him faithfully, if he doesn't pay HIS mortgage, he could still default and lose the home and thus you would also loose.

Good luck.