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Joshua Heard

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Advice

  • (296 Contributions,
  • 6 Best Answers,
  • 48 Helpful)

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Title: Real Estate Agents/Pros: New Windows?

Answer

I would not replace them.  You will not get your money back.  People don't expect double pane windows on a 60s house.  Some buyers don't even know the difference.

  (1)
Should we buy a house that has had renovations without permits?

Answer

I just bought a house with a basement area finished out without permits.  The work looked high quality, so I did not question it.  It turns out they did not insulate and underpowered the electricity so it flips the breaker every time the heat goes on down there.  It's too expensive to fix, so I just have to live with it. I will never buy a house again that had work done without permits.

  (0)
Homestead Declaration vs. Homestead Exemption in Texas

Answer

In Texas, you are automatically granted a homestead in your primary residence.  They also have a homestead form that you can declare a homestead on record by filing it with the clerk.  The credit union should recognize your homestead once filed.

  (0)
Regarding Seller's BBQ and outdoor kitchen

Answer

I agree with your interpretation.  They say it "features" the built-in, but are taking out the BBQ part.  Built-in items are normally considered part of the sale.Everything is negotiable.  I would start by asking them to reduce the price $5,000 or they must include the built-in.  More important than the listing is what the contract says.

  (2)
How to face building objection on a slope land?

Answer

What is the zoning for that area?  The city has final say on permission to build, not neighbors.  If you are conforming to the zoning and building codes, they have no right to object.  Contact a local land use attorney.

  (0)
Removing someone from a deed?

Answer

Lenders generally require that all titleholders be on the mortgage, so I don't know how you ended up with him on title, but not on the mortgage.  In any event, you cannot evict a title holder. The first thing you need to do is stop the foreclosure.  Since you are on the mortgage, you are responsible for payment.  I would borrow the money if you have to, but do whatever it takes to get the money, and bring the mortgage current.Next, you want to get your ex off the title.  If he will sign a Quitclaim Deed to remove himself voluntarily from the title, that would be easiest.  The only way to remove him from title involuntarily is with a court order. For that, you must file a lawsuit called a "partition".  Look for a real estate or business attorney who can do that for you.

  (0)
Is it normal for an underwriter to ask you close and pay in full all of our credit card accounts?

Answer

Asking for explanations of bad credit is normal, and asking you to pay off accounts makes sense, though I have never seen that.  Asking you to close them seems bizarre to me, as that really doesn't negatively affect your credit.  From what I understand, open accounts with zero balances help your credit.Are they asking to close ALL your accounts?  If so, I would be suspicious, and would probably refuse to close the accounts.  As you say, if they deny the loan, you are without any cards.

  (1)