s********0 发帖数: 255 | 1 没收到deed呀?deed长什么样啊,是一打纸还是一张纸?应该不会是让我们给当垃圾邮
件扔了吧?这个。。真的没有deed这房子就不算我们的?别吓我,攒钱买个房子不容易
。。。去city要deed的时候需要带什么文件吗? |
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s*3 发帖数: 352 | 2 Seller谈好价钱后交给relocation company。
然后所有文件都是"seller is a relocation company, has never occupied property
, and makes no warranties";实际上seller已经签过disclosure的。
最最关键的是seller relocation company把settlement part的“deed”改成了“
special warranty deed”。
agent的意思是没啥影响,不影响title什么的,原文如下
"A Special Warranty Deed gives less warranty of title from the seller to the
buyer than does the General Warranty Deed. However, they will make no
never mind as the Title Insurance company coverage will remain the same and
ultimat... 阅读全帖 |
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q********a 发帖数: 438 | 3 这是关于deed的更改,special warranty deed 是seller 只对其occupied time 的
warranty, 不能提供完整的chain of title, 因为relocation company 只是中间人,
对于前屋主在占据间的情况不是很清楚,当你购入这种房屋时候,就应该考虑到这种情
况,其实special warranty deed 依然是good title, 在closing 时候,owner policy
是极其重要的,也是对deed 转让grantee的重要保障条款。 |
|
l***p 发帖数: 177 | 4 If there is more than one grantor, all of the grantors must sign the deed.
If a prior deed named several grantees, all of them must sign as grantors of
a new deed.
第一句很好理解,如果不止一个卖家/授予人,那所有的grantor都要在deed上签字。
但后面那句我不明白了。买家也要签字吗? |
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l*****e 发帖数: 284 | 5 麻州80%的deed是recorded deed,另外20%的deed是registered deed. 是两个不同的搜
寻系统。 |
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s*****o 发帖数: 1459 | 6 From youtube:
An elegiac song popular in the Soviet era. It is not a lament, it is rather
a song of wisdom looking back at its youth. "Everything leaves traces on
this earth, and our bygone youth is immortal. How young we were! How
earnestly we loved and believed in ourselves". The beauty and wisdom of
Russia lies in its peoples of all nationalities. This is why I chose
photographs of ordinary Russians to accompany this lovely song. Not
everything in the Soviet time was evil. Indeed, many young ... 阅读全帖 |
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c*****n 发帖数: 380 | 7 Reconveyance is the transferring of a property title to a buyer after a
secured debt, such as a deed of trust or mortgage, has been paid in full. In
many jurisdictions, when a mortgage or property loan has been paid in full,
the lender must issue a document indicating that the loan has been paid in
full and the title has been transferred to the buyer. This document is often
called a reconveyance, reconveyance deed or deed of reconveyance. It
signifies that the property is owned in full by the pe... 阅读全帖 |
|
p****n 发帖数: 2247 | 8 妹子俺跟你详细解释一下:
康妈的房子是03年$338k买的,那个图里的2003-1003186和2003-1003187两个
Trust Deed是她买的时候的贷款。顺便说一下,两个贷款说明她当时没有付
20%头款(至于是有钱不愿意付还是付不起,俺不知道)。这两个贷款一个大,
占80%;一个小,占多少从这个图里看不出来,一般来说从5%到15%都可能。
2004年这个房子做了re-finance。说是re-fi是因为2004-0330399和
2004-0593105这两个Reconveyance表明前面两个旧贷款被付清,而同时出现的
2004-0482932的这个Trust Deed说明了这是一个新的贷款。
然后就一直到2009年,2009-0395742这个Reconveyance说明2004的那个贷款被
付清,而同时出现的2009-0283195这个Trust Deed说明又出现了一个新的贷款。
康黑分析师的解释是说reconveyance代表付清房贷,而新贷款则是以房产抵押
贷出现金拿到手里。微妙之处在于付清房贷是用新贷款来付清呢,还是用自己
手里的现金来付清。分析师的意思是说用... 阅读全帖 |
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x***o 发帖数: 127 | 9 准确说法是,一个星期内两次付款,全cash拥有新房。
一直奇怪为什么没见到2013的贷款银行的名字。现在明白了:临时从seller哪儿周转了
一个星期,然后无债务拥有新房。
学习瓜哥,摆事实,讲逻辑。时间过程过程如下:
1. seller 把房子转给了buyer
Doc No: 2013-0439476 Record Date: 7/15/2013
Document Type: DEED
Grantor(s): CHANTHABOUASY SATHA CHANTHABOUASY SUMMER
Grantee(s): KANG LEI
2. buyer 欠 seller钱,给seller上了个trust deed,同时用(应该是老房子出租的:
buyer要搬出老房子,进入新房子)租金收入直接交给seller作为担保。
Doc No: 2013-0439477 Record Date: 7/15/2013
Document Type: TRUST DEED
Grantor(s): KANG LEI
Grantee(s): CHANTHAB... 阅读全帖 |
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z********6 发帖数: 852 | 10 古兰经有164处关于对异教徒发动圣战(jihad)的描述
The Koran's 164 Jihad Verses
K 2:178-179
Set 1, Count 1+2 [2.178] O you who believe! retaliation is prescribed for
you in the matter of the slain, the free for the free, and the slave for
the slave, and the female for the female, but if any remission is made to
any one by his (aggrieved) brother, then prosecution (for the bloodwit)
should be made according to usage, and payment should be made to him in a
good manner; this is an alleviation from your Lord and a mer... 阅读全帖 |
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G*M 发帖数: 6042 | 11 Bible Course - Christian Doctrine
Lesson 2
The Misery of Man
Lord's Day II-IV
Lord's Day II-IV are the first part of the Heidelberg Catechism. Questions 3
-11 are dealt with here. In this part, the misery of man comes up for
discussion.
Lord's Day II
Q. 3.Whence knowest thou thy misery?
Answ. Out of the Law of God. (a).
(a) Rom.3:20
What is misery?
What actually is misery? It means that we are in a wretched or extremely
unhappy situation. There are many examples: war, hunger, quarreling,
unemplo... 阅读全帖 |
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R*o 发帖数: 3781 | 12 Calvinism consists of theological doctrines which use words found in the Bib
le. However, Calvinism consistently redefines those words, takes them out of
context, applies the doctrines inappropriately, exaggerates the meaning of
the words to the extreme, or in some other way distorts the Word of God to m
atch the theology written by John Calvin in his book, Institutes of the Chri
stian Religion. The following is a typical definition of Total Depravity, th
e First Point of Calvinism, written by o... 阅读全帖 |
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s***u 发帖数: 1911 | 13 by Dave Hunt
When Is Depravity Not Total?
To support their doctrine of Total Depravity, Calvinists must reconcile it w
ith the obvious fact that the most ungodly people are capable of some morall
y good thoughts and deeds. Nor can that fact be explained away by always att
ributing the ungodly's good deeds to selfish motives.
Some unsaved soldiers have selflessly thrown themselves upon hand grenades t
o save their buddies' lives - an act of heroic compassion from which many Ch
ristians would shri... 阅读全帖 |
|
s***u 发帖数: 1911 | 14 by Dave Hunt
When Is Depravity Not Total?
To support their doctrine of Total Depravity, Calvinists must reconcile it w
ith the obvious fact that the most ungodly people are capable of some morall
y good thoughts and deeds. Nor can that fact be explained away by always att
ributing the ungodly's good deeds to selfish motives.
Some unsaved soldiers have selflessly thrown themselves upon hand grenades t
o save their buddies' lives - an act of heroic compassion from which many Ch
ristians would shri... 阅读全帖 |
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h*********g 发帖数: 4866 | 15 昨天有人往我的车上贴条,说我占了她的车位。
这个小condo是刚买的,deed上写的清清楚楚这个车位是我的,
所以俺就理直气壮的把deed拿了去找人家,
结果人家也拿出一份deed,
上面也确实写了那个车位的编号,
俺就傻在那儿了,
今天赶紧去有关部门查查了,直接晕倒,
原来从一开始,也就是将近二十几年前,
第一次的deed里,两家都写了这个车位的编号,
我觉得好冤枉呐,
都二三十年的事情了,怎么就没有发现??
到我们这儿就出了,真真冤死了!
现在对方直接牛气哄哄的要让自己的律师解决,
俺们俩小穷学生,是不是也得应个景儿找个律师了?:P |
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s********n 发帖数: 26222 | 16 【 以下文字转载自 Military 讨论区 】
发信人: smokinggun (硝烟), 信区: Military
标 题: Is Obama Jewish?
发信站: BBS 未名空间站 (Mon Sep 26 08:39:13 2011, 美东)
http://www.subvertednation.net/is-obama-jewish/
Is Obama Jewish?
Posted by Subverted Nation on 09Apr09 in Capitol Hill
Lots of people ask me this question. Is Obama really a jew? Especially since
I have no qualms with labelling Obama as such, and why should I? We are
talking about a man that dons a skull cap and campaigns for president of the
United States, by visiting... 阅读全帖 |
|
s********n 发帖数: 26222 | 17 http://www.subvertednation.net/is-obama-jewish/
Is Obama Jewish?
Posted by Subverted Nation on 09Apr09 in Capitol Hill
Lots of people ask me this question. Is Obama really a jew? Especially since
I have no qualms with labelling Obama as such, and why should I? We are
talking about a man that dons a skull cap and campaigns for president of the
United States, by visiting the wailing wall and Yad Vashem, the sacred jew
holocaust shrine. This is a man who went from an absolute NOBODY Senator, to
Pre... 阅读全帖 |
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c*********n 发帖数: 1282 | 18 tax deed是拍卖后,付了款很快就得到了。但是tax deed在一年内可以被county撤消。
这个路的买家显然懂这个法律。他们15年买的,过了2年,早已过了法律上可以被撤
消的期限。然后再通知当地居民,闹出新闻来。按照现在加州的地产法,他们的所有权
是没有问题的。
deed. |
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P*********0 发帖数: 4321 | 19 The Bible on the Poor
or, Why God is a liberal
The Bible contains more than 300 verses on the poor, social justice, and God
's deep concern for both. This page contains a wide sample of them, and some
reflections. It's aimed at anyone who takes the Bible seriously.
As you read these passages, you will very likely feel a good deal of
resistance (possibly at first manifesting itself as indifference). American
churches have departed strongly from Biblical values in these areas, and
even created a r... 阅读全帖 |
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d*b 发帖数: 4184 | 20 tax sale一般是有政府进行, hoa不知道从哪里得到的授权, 可能官司是要判定其无权
拍卖.
一般每个月的某天,在county court外的院里进行这类拍卖.
Purchasers of property at tax sale do not automatically "own" the property,
and property owners do not immediately get evicted from the property.
Purchasers must by law allow the property owner one year after the date of
sale to redeem the property. In addition to the property owner, anyone who
has a legal interest in the property, such as a mortgage company or anyone
who holds a lien on the property may also red... 阅读全帖 |
|
W***n 发帖数: 11530 | 21 By Julia Dahl CBS News September 4, 2015, 3:02 PM
Arrested for allegedly stealing $5 of food, mentally ill Virginia man dies
in jail
PORTSMOUTH, Va. -- At a little after midnight on April 22, Jamycheal
Mitchell was arrested for allegedly stealing $5.05 worth of junk food - a
Snickers, a Zebra cake and a 2-liter bottle of Mountain Dew, to be exact -
from a 7-11 store in Eastern Virginia.
Mitchell, who was two days past his 24th birthday, was severely mentally ill
, having been diagnosed years ear... 阅读全帖 |
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X*******8 发帖数: 3895 | 22 deed的另一方理论上可以不付房贷的,但银行收不到钱会拍卖的。拍卖后剩余的钱,
deed的另一方是可以Claim的。以当前讨论的陈医生为例,如果deed上有他太太的名字
,他太太是可以卖房的,但没有就不晓得如何了。 |
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发帖数: 1 | 23 我也懒得问专业人士了,这个把自己亲属都加到deed里的话,麻烦不麻烦呢,谁知道谁
给说一下
我之前说的是放贷款的title,那个可麻烦透了。
不过,deed这玩意,谁会注意啊,又不是一结婚就打算让对方早死的。平时都不知道放
哪儿去了。
我前些年买房子的时候,因为多套,所以银行要我提供前面所有的deeds还有final
statement,我翻箱倒柜找了一个小时,每张纸都读一遍,才找到,这东西大概一辈子
用不上几次。 |
|
发帖数: 1 | 24 重磅来袭!全球顶级投资银行营运中心2016校园招聘
公司行业:金融/投资
某外资金融集团为全球规模最大的银行及金融机构之一,也是全球金融领域最有价值的
品牌。集团总部位于伦敦,在欧洲、亚太地区、美洲、中东及非洲76个国家和地区拥有
9500家附属机构。
旗下环球营运中心(Global Service Center)为更好的服务环球银行与资本市场(
Global Banking & Market)业务,现向全球招募优秀应届毕业生/实习生。
工作地点:广州或佛山
岗位:高级基金专员/高级基金会计/合规品质保证营运副经理……一大波岗位来袭
岗位要求:
本科以上学历,海外留学生或211、985院校优秀应届生;
英语口语熟练,需接受全英文面试;
金融、经管类、法学类或英文专业学生优先考虑;
2年以下工作经验的金融行业从业往届生亦可考虑;
8小时工作制。因服务全球客户,需能接受轮班制,最晚下班时间为凌晨1点;
外地学生可通过电话或视频面试;
薪资和职级:
招募集团内部 Band 8 – Band 7岗位不等;视面试情况及最终录取岗位而定;
五险一金、定期体检、补充医疗保险、专业培训、出国机会、年终... 阅读全帖 |
|
发帖数: 1 | 25 重磅来袭!全球顶级投资银行营运中心2016校园招聘
公司行业:金融/投资
某外资金融集团为全球规模最大的银行及金融机构之一,也是全球金融领域最有价值的
品牌。集团总部位于伦敦,在欧洲、亚太地区、美洲、中东及非洲76个国家和地区拥有
9500家附属机构。
旗下环球营运中心(Global Service Center)为更好的服务环球银行与资本市场(
Global Banking & Market)业务,现向全球招募优秀应届毕业生/实习生。
工作地点:广州或佛山
岗位:高级基金专员/高级基金会计/合规品质保证营运副经理……一大波岗位来袭
岗位要求:
本科以上学历,海外留学生或211、985院校优秀应届生;
英语口语熟练,需接受全英文面试;
金融、经管类、法学类或英文专业学生优先考虑;
2年以下工作经验的金融行业从业往届生亦可考虑;
8小时工作制。因服务全球客户,需能接受轮班制,最晚下班时间为凌晨1点;
外地学生可通过电话或视频面试;
薪资和职级:
招募集团内部 Band 8 – Band 7岗位不等;视面试情况及最终录取岗位而定;
五险一金、定期体检、补充医疗保险、专业培训、出国机会、年终... 阅读全帖 |
|
k**i 发帖数: 10191 | 26 mitbb上牛人多,请大家帮忙给点建议,谢谢大家了。
先介绍一下情况,我们家今年初刚买的房子,yard很小,房子两边有两条很窄的只容一
辆车的driveway,房子前后是草坪。邻居A在我家右边,有个很大的yard,邻居B在我家
左边,yard 也很小,他家没草坪,都是driveway和车库。我们三家的yard彼此相连。
因为几十年前城市修路,邻居A家草坪前端处于马路左拐角的地方,所以柏油路把他们
家的草坪拐角处占了一个小斜边,于是邻居A家跟我们原房主在历史上就yard界限一直
纠纷不断,邻居A总想把被政府侵占的那一小块草地斜过来从我们家这边的草坪的前端
占回来,然后让我们家的草坪的前端再斜斜的占另一边邻居家B的石子driveway的前端
。邻居B在我搬来的时候跟我说,过去可能这三家达成过共识或是什么的, 我们家和邻
居B家的yard的前端都斜斜着。邻居B完全不介意这个,因为他们家铺的石子driveway,
旁边是我们家的软软的草坪,所以不管那个小边属于不属于他们,他们都照常每天用着
开车出去。而我们家跟邻居A的情况就不同了。我们家那边也有个石子铺的driveway,
但邻居A在前端界限... 阅读全帖 |
|
k**i 发帖数: 10191 | 27 谢谢楼上的回复和建议。
还有一点要补充一下,邻居A他们达成的共识并没有给我们任何法律文书,我们的deed
上是美国很老的deed,上面只写着从东北角到东南角是多少feet,从西北角到西南角是
多少feet。。。etc,这类的deed是不是在界限上本身就很模糊,很容易被邻居A钻空子
呀?我刚才看到,政府给邻居A家的标识地界的红色标识在政府公用马路的柏油里。。
。我们家前端那一小块还能要回来么?不想自家方方正正的院子变成个平行四边形。。
。关键,开车出去到driveway出口处变超级窄的。。。路边还有一排巨石挡路。。。想
想都叹气。买房的时候,以为院子是方方正正的,完全不知道yard前面的这些恩恩怨怨
。 |
|
b***b 发帖数: 13249 | 28 1. Deed (房产证)---你们那里的Deed Register office 一查便知。只要
On the record 就是你的房子了。Deed有Copy。网上有时候能打印。
2. Title Insurance. 你的closing 律师应该给你寄Copy。找他要。 |
|
j***1 发帖数: 158 | 29 the foremost question of this project, is it master deeded or individual
deeded? if individual deeds, its worth more money.
base on 130k in schedule rents, it roughly worth $780-800k.
and I believe your expenses layout is too optimistic.
Potential Gross Income Monthly Yearly
16 Townhome 10 $1,100.00 $11,000.00 $132,000.00
Laundry Rental 1 $- $-
Total Gross Income $11,000.00 $132,000.00
... 阅读全帖 |
|
发帖数: 1 | 30 重磅来袭!全球顶级投资银行营运中心2016校园招聘
公司行业:金融/投资
某外资金融集团为全球规模最大的银行及金融机构之一,也是全球金融领域最有价值的
品牌。集团总部位于伦敦,在欧洲、亚太地区、美洲、中东及非洲76个国家和地区拥有
9500家附属机构。
旗下环球营运中心(Global Service Center)为更好的服务环球银行与资本市场(
Global Banking & Market)业务,现向全球招募优秀应届毕业生/实习生。
工作地点:广州或佛山
岗位:高级基金专员/高级基金会计/合规品质保证营运副经理……一大波岗位来袭
岗位要求:
本科以上学历,海外留学生或211、985院校优秀应届生;
英语口语熟练,需接受全英文面试;
金融、经管类、法学类或英文专业学生优先考虑;
2年以下工作经验的金融行业从业往届生亦可考虑;
8小时工作制。因服务全球客户,需能接受轮班制,最晚下班时间为凌晨1点;
外地学生可通过电话或视频面试;
薪资和职级:
招募集团内部 Band 8 – Band 7岗位不等;视面试情况及最终录取岗位而定;
五险一金、定期体检、补充医疗保险、专业培训、出国机会、年终... 阅读全帖 |
|
发帖数: 1 | 31 全球顶级投资银行营运中心2016校园招聘 (广州)
某外资金融集团为全球规模最大的银行及金融机构之一。总部位于伦敦,在76个国家和
地区拥有9500家附属机构。旗下环球营运中心(Global Service Center)为更好的服
务环球银行与资本市场(Global Banking & Market)业务,现向全球招募优秀应届毕
业生/实习生。
工作地点:广州或佛山
岗位:高级基金专员/高级基金会计/合规品质保证营运副经理……一大波岗位来袭
岗位要求:
本科以上学历,海外留学生或211、985院校优秀应届生;英语口语熟练,需接受全英文
面试;金融、经管类、法学类或英文专业学生优先考虑;
2年以下工作经验的金融行业从业往届生亦可考虑;8小时工作制。因服务全球客户,需
能接受轮班制,最晚下班时间为凌晨1点;
外地学生可通过电话或视频面试.
薪资和职级:
招募集团内部 Band 8 – Band 7岗位;年薪60,000-200,000元;五险一金、专业培训
、出国机会、年终奖金;
发展空间:
投资银行领域,专业培训;大量晋升机会和内部申请;外资薪酬福利.
申请的同学请将英语简历发至Ema... 阅读全帖 |
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b**********s 发帖数: 98 | 32 最近看上了个bank-owned house,正在讨价还价,有几个疑问想问一下版上的大侠:
1)为什么银行说‘title to be alta 98 conveyance by Special Warranty Deed'?
我只听说过warranty deed, 但从没听说过speical warranty deed. 两者有区别吗?
2)银行说‘sellerwill not pay liquidated damages'。这是指的什么呢?
3)买这种房子还有什么需要注意的?从银行的声明看银行不负责任何与房子有关的损
失,真是太不平等了。
谢谢。 |
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a********e 发帖数: 5779 | 33 正在买地盖房子,seller 提供的title是bargain and sale deed。seller 买的title
insurance 倒是说没有public record show 第三方能claim 这个地。地的owner死了,
estate sale. 他的wife是卖家,名字不在title上.
Seller disclosure wrote:
1. Seller authority: Seller can only confirm that she has authority to
sale whatever interest in the property is owned by the estate.
2. Bargain and sale deed, The property will be transferred by Bargain and
Sale Deed.
我在washington state。请问在这种情况下,我们要买title insurance 吗?(cash
offer)。我的agent说seller 买的preliminary title ins |
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m**D 发帖数: 134 | 34 因为ld是H4,loan上只是我的名字。但是原来的contract上有我们两人的名字。
现在loan officer说contract必须和loan上一致,所以需要去掉ld的名字。
agent问了escrow,回答如下:
If the wife is to be removed from the contract she will not be on the Deed
of the property. If they do remove the wife from the contract the buyer’s
will need to provide a Quit Claim Deed from the wife to the husband at the
time of singing.
We cannot prepare the Quit Claim Deed and we suggest that the buyer goes to
an attorney to have that prepared. The attorney then can answer all of |
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r*****n 发帖数: 964 | 35 刚刚签了一个short sale,agent发给我那房子的title report。看见有两个deed of
trust,分别是两个银行的借钱记录。但是seller说那个房子现在只欠一个银行的。有
一笔已经还清了。我的疑问是,如果已经还清了,这个deed of trust还会出现在title
里吗?
格式如下:
Deed of Trust to secure an indebtedness of the amount stated below and any
other amounts payable under the terms thereof,
Amount :
Trustor/Borrower :
Trustee :
Beneficiary/Lender :
Dated :
Recorded :
Returned to : |
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S*****y 发帖数: 34 | 36 是个foreclosure的condo, 09年summer在他门上贴的summons, 这月贴的要在sheriff
office下个月auction.
听说bid下来也not necessarily negate other debts on the property.
需要自己去研究Title History, Tax Lien, Public Record and Bankruptcy Info
在county的deeds office网上看了一下,在parcel view里面看,09年的税付了.
其他关于这个condo的文件网上有三个,deeds, mortgage and POW. 具体的需要去
county office看.
在deeds office网上这个人名字下面还有不少其他房子的记录,他的名字我觉得不是很
常见.
除了这三个文件还有其他记录需要看吗?有什么需要注意的地方吗?
纯新手,是不是期待auction没卖掉,等银行收回去再卖的时候买安全一些? |
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v********d 发帖数: 618 | 37 当时有人恶毒攻击.一位网管不分青红皂白,不让我发言. 我只好任人攻击.
哪栋房子已经卖掉了.
可以查记录.
1639 HYLTON Avenue Woodbridge VA 22191
Sold PW7216450 1639 Hylton Ave $179,900 $180,000 02-Apr-2010 4 2 0 2 0 No .
25 1959 29 $1508 848
Tax Record-
DEED Deed Liber:2009 Deed Folio: 91886
Transfer Date |
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a****e 发帖数: 2 | 38 Try to buy a house at 250k with 200k loan.
The loan officer said there's 3k-4k cost to pay as below:
Deed Recording Fee Estimated $18.50
Deed of Trust (DOT) Release Estimated $27.00
Deed Tax Estimated $1,750.00
Mortgage Tax Estimated $1,100.00
Recording Fee Estimated $180.00
Total Government Taxes and Fees $3,075.50 (sum of above)
He said it's the same for all lenders. And it's different than prepaid
insurance, property tax, interest.
Is this normal or should be covered by the bank?
Thanks! |
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l*****n 发帖数: 204 | 39 bed,
Record Deed是谁的事?Broker还是title company?会不会是title company告诉
Broker说已经付清了,然后就可以去Record Deed?
是去county Record Deed 吗? |
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c**m 发帖数: 1457 | 40 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Title Insurance Information
发信站: BBS 未名空间站 (Mon Oct 24 23:03:59 2011, 美东)
What is Title Insurance?
A title insurance policy protects against losses that occur when you
discover after closing that someone else can claim a lien interest or
ownership of the property. Could that happen? Yes. Fraud, forgery or simply
errors during your ... 阅读全帖 |
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c**m 发帖数: 1457 | 41 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Mortgage Loan Closing - Process Overview
发信站: BBS 未名空间站 (Mon Oct 24 22:59:21 2011, 美东)
The Mortgage Loan Closing When Buying a Home
Once your application for a mortgage loan has been approved and you have
received a commitment letter from the lender, the final step before you can
call the house your own is the closing, or settlemen... 阅读全帖 |
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y********a 发帖数: 159 | 42 我们现在的情况是:
seller是husband,wife签了quit claim deed,但是他们的离婚官司还没有完全结束。
所以房子title上还是两个人
lender开始说有quit claim deed就好了
可是看到quit claim deed文件后,又说上面的seller写的是married man,
所以wife在closing的时候还要来签字,可是seller还有他的agent都说不会再要wife签
任何字了。
我们的律师在这个问题上还在联系人,没有回复。
所以我想请问版上的朋友们
有没有谁遇到过类似的情况,是怎么办的呢?
这种情况下,我们是不是退出算了啊。 |
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k**i 发帖数: 10191 | 43 mitbb上牛人多,请大家帮忙给点建议,谢谢大家了。
先介绍一下情况,我们家今年初刚买的房子,yard很小,房子两边有两条很窄的只容一
辆车的driveway,房子前后是草坪。邻居A在我家右边,有个很大的yard,邻居B在我家
左边,yard 也很小,他家没草坪,都是driveway和车库。我们三家的yard彼此相连。
因为几十年前城市修路,邻居A家草坪前端处于马路左拐角的地方,所以柏油路把他们
家的草坪拐角处占了一个小斜边,于是邻居A家跟我们原房主在历史上就yard界限一直
纠纷不断,邻居A总想把被政府侵占的那一小块草地斜过来从我们家这边的草坪的前端
占回来,然后让我们家的草坪的前端再斜斜的占另一边邻居家B的石子driveway的前端
。邻居B在我搬来的时候跟我说,过去可能这三家达成过共识或是什么的, 我们家和邻
居B家的yard的前端都斜斜着。邻居B完全不介意这个,因为他们家铺的石子driveway,
旁边是我们家的软软的草坪,所以不管那个小边属于不属于他们,他们都照常每天用着
开车出去。而我们家跟邻居A的情况就不同了。我们家那边也有个石子铺的driveway,
但邻居A在前端界限... 阅读全帖 |
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k**i 发帖数: 10191 | 44 谢谢大家上面的回复。
还有一点要补充一下,邻居A他们达成的共识并没有给我们任何法律文书,我们的deed
上是美国很老的deed,上面只写着从东北角到东南角是多少feet,从西北角到西南角是
多少feet。。。etc,这类的deed是不是在界限上本身就很模糊,很容易被邻居A钻空子
呀?我刚才看到,政府给邻居A家的标识地界的红色标识在政府公用马路的柏油里。。
。我们家前端那一小块还能要回来么?不想自家方方正正的院子变成个平行四边形。。
。关键,开车出去到driveway出口处变超级窄的。。。路边还有一排巨石挡路。。。想
想都叹气。买房的时候,以为院子是方方正正的,完全不知道yard前面的这些恩恩怨怨 |
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w******t 发帖数: 16937 | 45 The DEED.......
我想我刚拿到的这个应该是上面doudoubaby 说的deed,不过想确认一下:Statutory
Warranty Deed,上面写The Grantor XXXXXXXX ........
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
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p******y 发帖数: 3523 | 46 离婚的话,两个人的名字都在deed上应该是平方房产的,谈妥了手续结束了deed都会改
的,如果按协议他再无产权了的话,他不走,LZ可以报警的。如果人家还有产权,没理
由不能住的。而产权不是看谁是borrower,是看谁的名字在Deed上。 |
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i******e 发帖数: 1720 | 47 应该找你的escrow/title office吧。Grand Deed是seller签字,buyer不用签,所以不
在你签字的文件里。
我是在决定什么时候close时,escrow officer送一张form要填title怎么写,grand
deed 及以后的文件的邮寄地址。我签字时也没看到那张grand deed. 但我有title该怎
么写的instruction,如果跟我的指示不一样,就是escrow office的错,应该他们负责
改正。 |
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w****a 发帖数: 6326 | 48 ☆─────────────────────────────────────☆
yoyo001 (Happy~yoyo) 于 (Wed Aug 1 00:15:08 2012, 美东) 提到:
6月份刚给旧房做了refinance,现在拿到一个新房的offer,要申请新的loan。两个不同
的lender,新贷款会不会有问题?
马上要定下来,急盼版上的牛人指点!谢谢!
update:谢谢大家大回复! 我联系了几个LOAN AGNET, 有两个不能做,有两个可以. 想找
个律师
问下新房贷款的问题及买了新房后能不能近期就般过去,但好象都不睬我.难道是这个问
题对他们来说太简单了吗?
另外,那个1003 是什么呀? 是deed of trust 吗? 我看了看有一条是这样的:
6. Occupancy. Borrower shall occupy, establish, and use the Property as
Borrower’s principal residence within 60 days after the execution of this
Sec... 阅读全帖 |
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p******y 发帖数: 3523 | 49 如果只是friend,LZ应该无法在对方不在场的时候签那些docs的,title 公司和lender
很难接受类似的POA的,除非LZ在deed上。
比较简单的方法是让国内的朋友Power of a real attorney. 而已title公司和lender
对该类POA的要求很严,应该是那种无条件授权的POA。
一下3类比较容易被接受:
. Spouse not on the deed;
. Other individual on the deed;
. Borrower attorney. |
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p******y 发帖数: 3523 | 50 这就不知道了。如果在deed上的人都不在场,只有power of attorney给一个真的
attorney才最容易被lender以及title insurance公司接受。
如果有在deed上的任何一个人在场,其他在deed上的人可以power of attorney给这个
出场的人来全权代表大家签字。
多少钱就得问律师了。 |
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