ON Canada - you need to get a discharge statement from the bank to show that your mortgage is fully paid, Normally the bank will charge you a fee to get this. It is your responsibility to have the discharge registered against the title of the property so the lien is deleted from your record. Then you can ask the registry office if you can get a copy of the title for your use.

A pre approval means that the bank will issue you a mortgage loan based on the information provided however before approving the mortgage the bank will verify the documents . If the documents were not verified and you already got fired then most likely you will not be able to get approved as the x employer will not verify the information of your employment.

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Me and my friend purchased a home together in california in 2005. on our title, we have equal ownership. on our mortgage, she is the primary account holder and i am the secondary (it worked better this way because her credit score was better). when it comes to paying the mortgage, i pay 80% and she pays 20%. now that i am married, my friend would like to absolve her name from any ownership of the real estate and mortgage, and transfer full ownership and responsibility to me. how do we accomplish this? will there be any fees or taxes involved? notes: 1) she does not want any money from this 'transaction' 2) my husband does not need to have his name on the title/mortgage thanks!

You can not simply remove her from the mortgage, you will have to refinance w/o her. She can sign the title over to you when your new mortgage closes.

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I have a loan contract with a person on the title (individual property grant deed) in which the contract for the loan "shall continue until the property is sold". even though i am not selling the property, i have offered a buyout amount for his 10% share and he is threatening to block any refinancing unless i meet his demand for a buyout amount. we differ on the appraisal amount of the property. my appraiser was approved by my lender and is a certified residential real estate appraiser in california and i have no idea if or what type of appraiser he used. can he do this even if he is not and will not be on the original mortgage or the refinanced mortgage? would it be better to rescind the offer and just wait to pay him when i sell at a later date? please let me know if you have any ideas on how to handle this situation.

Yes. The person on the title can block your attempt to refinance. You can wait to sell, but he will have the same veto power over any contract offer as well.

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I am in california hi, currently, i have taken out a loan to pay for the mortgage on a house that i do not have my name in the title. it's my parents'. if i were to get married and if then divorced, would my spouse be entitled to 50% of the appreciation of the house? how about what if she also pays for part of the mortgage as well? also what if she doesn't pay the mortgage?

If she pays part of the mortgage, she's entitled to her portion. If you're in a community property state and both spouses claim the home as their primary homestead, they both have a claim to the house. The best thing to do would be to sell the house and split the proceeds between you and your soon-to-be ex and your parents.

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Disturbing the loan because it's a fixed rate and i wont qualify. so what type of deed do we record and how should i do this so both will be protected? how will i do this can i just go to the title company? i live in california. i need the less expensive answer.

Your sister might be able to add you to the title (you should check with the mortgage company first to make sure), but will not be able to put the title in your name alone, because if she did, the bank would call in the loan (almost all mortgages have due-on-sale clauses that make the entire balance due upon a transfer of ownership). If the bank will allow you to be added to the title, your sister would prepare a quitclaim deed from herself to you and her together. This is a simple one page form that you can probably get at a stationary store. You would probably want to be tenants in common (meaning that you would each own your half, and could do with it as you want, in life or in death by a will), not joint tenants (meaning that if one of you died, the other would automatically get the whole house). Your sister would get the deed notarized, and then could record it with the County Recorder's office. You should also have a written agreement setting forth whatever the agreement is. Would you owe her for her down payment or for any appreciation that took place before you took over the payments? What happens if you fail to pay as agreed? Could she decide to move back in?

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I help people with clouded titles etc go through the judicial system to correct errors on title....something similar to what probate does for someone. two people put in previous answers the following, (so im just wondering what if i use the suggested name as the person below put?)))) "you can not use the word title in your business name unless you are a title company doing title work, such as going to your county and seeing if there is a lien on the property, or the taxes are paid, usually these companies sell insurance (title and mortgage insurance) and the state would still let you register the name of your business but later fine you for not being the title company that you also need to be bonded and such. ) california home & title solutions, llc is not a bad name for your business. california home title solutions is illegal to use. hope that helps." "you can not legally use the word title unless you are a licensed title company. since you have to be an attorney to do what you are doing i am surprised you don't know that the word title is protected, just like you can't assist people with legal issues without passing the ca state bar." so can i use word title at all?? i am going to be the middle man between an attorney that ive used for years, and the people who need assistance...

uh...what part of NO don't you get? More important; you do understand you have to be a LAWYER or have lawyers on site to do this kind of work?

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I have a person who is interested in my car. i have recently payed off the loan to my car, and the pink slip was supposedly mailed to me. i never received it. how can i go about getting a new one in the next 24hrs? i know the dmv can issue a new one but it takes about a month im told. i need the money to pay my mortgage. please help.

Most states have expedited title services. Ask.

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Im in california - how will this affect the title, the mortgage, and the legal aspects? thanks! thanks for your answers! if none of that was done, would that mean it probably was not recorded? is there a law that says it must be paid in full or refinanced?

The mortgage is not effected, it is still valid and they can still foreclose on the property. The deed goes to whoever it claimed over to, as well as the title.

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My rental home had fallen into foreclosure. i spoke with the bank who has decided to work with me on modifying my mortgage. random (about 4) realtors have stopped at the rental home and spoke with my tenants. they have informed my tenants that they are going to have to move, and that they were no longer required to pay me rent! i have a rental agreement, and the title of the home is still under my name, the bank has not foreclosed on my home. in california, can i sue these realtors for harassing my tenants and loss of rental income? (also the realtors have to affiliation or permission from my mortgage company) my rental home had fallen into foreclosure. i spoke with the bank who has decided to work with me on modifying my mortgage. random (about 4) realtors have stopped at the rental home and spoke with my tenants. they have informed my tenants that they are going to have to move, and that they were no longer required to pay me rent! i have a rental agreement, and the title of the home is still under my name, the bank has not foreclosed on my home. in california, can i sue these realtors for harassing my tenants and loss of rental income? (also the realtors have no affiliation or permission from my mortgage company)

Absolutely!! Nobody that you did not have a management contract with had any right talking to your tenants about anything! That was illegal. You also need to report them to CA real estate agency. They are way out of line & need to lose their license. You need to also sue the tenants for owed rent. Your foreclosure, even if it goes through, has nothing to do with their lease or their legal obligation to pay the rent. They are legally required to pay you the rent until the day you no longer own the house. Send the tenants a letter stating that nobody but you or any other authorized representative (list names if any) have anything legally to do with the property and that any person not listed above has no legal interest or say in the property. Tell them that they are to do nothing different than what is stated in the lease unless it comes from one of those people. Make it clear that they will be sued for any owed rent if they take any unauthorized person's unsolicited advice.

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My parents got the loan in their name and 6 mos after quitclaimed the home over to me and my husband. for 2 years we have been living in and paying the mortgage, property taxes, etc. we are going to do our 2007 taxes. we live in california

Interest can only be claimed by the party responsible for the loan, regardless of who actually is making the payments.