It never stops surprising me how very few home owners consider the importance of a house sign . We all know the importance of first impressions, yet very few of us go to the trouble of purchasing a decent house sign. I you think about it when a visitor arrives probably the first thing they will encounter would be your house sign or not as the case may be.
If you look around your local vicinity you would be amazed at the different varieties of so called signs. I live in quite an up market area the houses are priced well above the national average. The gardens are well keep and the properties in general are very well maintained. So when walking down any of my local streets your under the impression that you are amongst proud home owners. That is until you start looking a little more closely; try a walk around the streets near you. I think you will be quite shocked when you see what people consider a house sign.
It is quite astounding what can be used for a house sign, I have seen old wooden signs so worn out that they are unreadable. I have seen numbers written in felt pen as well as rusted cheap numbers nailed to the door. If you are guilty of this you really should be ashamed. As a nation of home lovers we really ought to be taking more care. I’ve seen names and numbers painted directly onto concrete; surely this would actually take more effort than putting up a decent sign. Concrete is actually very difficult to paint. I noticed signs with letters or numbers missing as well as a sign made up of cardboard (not the best material). It is a wonder how The Royal Mail puts up with it, most of us shop on-line now and the delivery services must have a few choice words to say about those who think a scrawl on cardboard should pass as a house sign.
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What do you think of a Home Owner's Association that can tell you what to do inside your home?I am a home owner. I do not smoke – never have but something here doesn't seem right
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My question refers to a Home Owner's Assignation in Colorado that told condo owners they can not smoke in their own home. The home owners went to court and lost.
These people their bought their condo, signed the lease – then the association changed the smoking rules. If the new rules had been in place at least the owners could of had the option not to move there.
How much power do you believe an association should have over what you do inside your home?
A number of people complain about Big Brother and the government overstepping privacy – is this better?
(1) The joint ownership would be you and your cousin. You and your cousin would be entitled to the tax deductions on the property.
(2)You can not receive tax benefits on property you aren't buying. If you do not sign the loan then you are not buying. Most people think that they are buying a house when in fact what they are doing is getting a mortgage from a lender that holds the house. It is like buying a car, until the car is totally paid and you receive the pink slip it really is not yours. The car can be repossesed at any time for failure to pay because it belongs to the lender.
(3) If you want to buy your own house later it will appear to everyone that the house your dad and uncle had you buy is yours. You will face the secondary house problem. If you want to buy a car it will look like you are carrying property debt that would be taken into consideration in your ability to take on more debt…same for another house. If you want to use a first time buyer program forget it.
The last thing is that your dad and uncle want to buy this house for themselves and you to qualify for it, hold the mortgage in your name… Are you going to live there? Are you going to pay the morgage payment as rent? If you are paying the mortgage as rent then you probably will be paying more than the going rent rate.Is this house next to the ocean because there is a real fishy odor about so much of this deal.
If has so many ways that spell defraud and guess who would be at fault there.
Your dad and uncle are not buying a house just because they want to have a house collection. They want to make some money off the ownership of this property. They could buy another house some miles away from the vicinity of their primary residence and not pay the secondary house mortgage penalty.
Sorry to come on so strong about this because you are considering helping your family. It seems to you that you could gain love and money (tax return) from this transaction. You also have a feeling that this could turn out to be a bad situation or you wouldn't be an asker here. You have been asked to be part of a fraud. You have been asked to use your credit and reputation. You family might be upset if you say no but you may earn their respect.
Just because the lady in the office said someone else is waiting to get approved doesn't necessarily mean it's true. She might just be confused. Ask the owner, just to be sure.
You should also be aware of the possibility of scams. Are you sure the person who took your deposit is the real owner?
Thanks.
Absolutely. The foundation will have to be designed for the neccessary loads ( this may mean deeper, wider footings, additional reinforcement, larger beams and/or larger floor trusses) but the crawlspace foundation can be used for multi-story projects no problem. Its important to remember that with any foundation, the weight of the structure should bear directly on or be transferred to the footings-whether crawlspace or slab.
sooo, kind to share, thank you! ill be watching
No – you will be considered co-owners and by her already owning a primary residence means that you will no longer be first-time home buyers. The only way you can qualify is if you can get the mortgage by yourself and do not put her on the title.
What about a foundation drain? What is the approved drainage system? That is THE MOST IMPORTANT part of the crawlspace!
The home inspector can do his job with stuff in the house – he's looking at A/C, furnace, roof, et al.
You can have an escrow account holdback until they vacate the house – maybe $2,000 – and then when they turn the keys over to you, you inspect the empty house, sign off on the escow, and then they get that additional money. Easiest wayt o handle surprises when you don't get the keys at closing.
You can assume some mortgages.
However, it sounds like they want to keep the mortgage and title in their name while you make the house payments. They also get the tax benefits.
The big problem with this little scheme that I see is that you may the mortgage, but end up with no house in the end.
You are much better off assuming their loan. You take the loan and the loan and the title of the house are in your name. You also are the one to write off the mortgage from your tax return.
While the method you mention here might be legal (assuming their loan is not owner occupied) it is a bum deal for you. You are much more likely to end up screwed over then anything else.
this is so helpful! my husband and i are in the process of buying a house and i didnt know wat was the difference between a slab and crawlspace!! thank you soo much!!
If you did not have a contract and an agreement that would spell out the terms of the contract then they would have a strong case to pursue in court, talk to them and try to reach an agreement that would satisfy both parties.~ GOOD LUCK.
If your name is not on the deed then it can be sold without your permission but if you can prove you have made repairs and not been paid, then you should be able to place a lien against the property to prevent the sale until you are paid.
Can this type of foundation suppory more than two storey, , ,ground floor,1st floor + another floor , ,ie , ,2nd floor?
Your home inspection did exactly what it was supposed to – reveal defects. Some of those defects may affect the property's value, but, as you've noted. are repairable, Virtually every property sold has something wrong with it. The question is really "What is the market like where you are?" If there is a lot of interest in this house and you are in a seller's market, you may want to let the seller off the hook for some or all of the repairs if you feel it will endanger the deal. You already know the costs, so you just have to consider whether its worth it to you. On the other hand, in a buyers' market, as most markets are right now, you have greater leverage and the seller will likely fix the items you've requested. Just don't let your deal get screwed up over some small sticking point if that becomes the case. On the one hand, sellers can get a little irrational and defensive about what they think they should have to do. On the other hand, buyers receive their inspection report and sometimes insist on repairs being done that are less than mandatory. Be flexible, remain calm, and look at everything from the bottom line rather than what seems fair or reasonable.
If you are taking out a home equity loan, that means you are putting the house up for collateral. In order to do that, all the owners of the house have to sign for it.
Depending on your occupation, loan history, credit score, etc. you may qualify for personal loan. Talk to your bank