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PunkyP0WER · 07-09-2008, 03:52 PM

Things are moving a lot faster with our home loan. Although we were approved there are some catches. Tomorrow is our house appraisal and the stipulation is our house has to be worth a certain amount. Although we feel that our house normally would be worth that set amount, because of the economy and crumbling housing market, housing values have dropped signifigantly. We've been cleaning like crazy today to get the house in tip top shape.

Then we have to show my husbands w-2 forms and recent pay stubs. Thats a problem! Although we have the w-2 forms we have no recent pay stubs as my husband hasn't worked since April. I'm not sure how we're going to get around that and fear we will lose the loan! i'm so scared. although were married my name isn't on the house because he was married before me and he never ammended the title. so my own pay doesn't count unless i put my name on the house and we can't do that because i had debts before marrying and they would likely attach the house because of it. i

i pray things will work out but i'm so scared. i'm praying like crazy!!!

The Great One · 07-09-2008, 05:31 PM

It's real tough now to get a home loan because of the economy. I hope it all works out for you and your hubby.

bandito · 07-09-2008, 05:43 PM

Have you ever tried filing for bankrupcy?

AB · 07-09-2008, 05:49 PM

Best of luck, hope everything works out well for you.

catlover79 · 07-09-2008, 09:28 PM

Hang in there, honey!!

OH Nuts! · 07-10-2008, 12:03 AM

Hope everything works out for you.

PunkyP0WER · 07-10-2008, 12:08 AM

thanks everyone. i'm sure with you all pulling for us things can only work out for the good. i think i've worn my rosary beads out. God bless you guys

KissMyGrits · 07-10-2008, 11:21 AM

Praying that everything goes okay.

Depending on which state you are in there is a way that you can get onto the home title without being on the home loan itself.

My husband had his house before we married. He owned it with his ex-wife. They divorced and she signed a quit claim deed. Well, when we married he went to the courthouse and filled out another quit claim deed.

If something was to have happened and God forbid my husband passed away before me, I would be protected legally and the state couldn't come in and place the house in probate.

Either way, I would strongly recommend having your husband add you to the title of your house. Again, it doesn't effect the home loan, just the title itself. Because hubby and I are both on the title of our new house, but his name is the only one on the mortgage.

Hope everything goes well!!!

Scoobiedoo30 · 07-10-2008, 11:50 AM

I am here to tell you that I think everything will be just fine

07-09-2008, 03:52 PM	#1
PunkyP0WER Member Senior Member Join Date: May 23, 2008 Location: MACY*S on 34th St. Posts: 1,908	SO FREAKIN' NERVOUS Things are moving a lot faster with our home loan. Although we were approved there are some catches. Tomorrow is our house appraisal and the stipulation is our house has to be worth a certain amount. Although we feel that our house normally would be worth that set amount, because of the economy and crumbling housing market, housing values have dropped signifigantly. We've been cleaning like crazy today to get the house in tip top shape. Then we have to show my husbands w-2 forms and recent pay stubs. Thats a problem! Although we have the w-2 forms we have no recent pay stubs as my husband hasn't worked since April. I'm not sure how we're going to get around that and fear we will lose the loan! i'm so scared. although were married my name isn't on the house because he was married before me and he never ammended the title. so my own pay doesn't count unless i put my name on the house and we can't do that because i had debts before marrying and they would likely attach the house because of it. i i pray things will work out but i'm so scared. i'm praying like crazy!!!
	__________________ Faith is believing in things when common sense tells you not to. - Fred Gailey & Doris Walker It was the movie that no one thought would be a hit It was the sleeper a studio had no idea how to sell And its success was even more miraculous because this Christmas present was opened in June! Fred & Doris Gailey FOREVER! That's the magic of *macys**

07-09-2008, 05:31 PM	#2
The Great One Member Forum Veteran Join Date: Aug 29, 2006 Posts: 6,378	It's real tough now to get a home loan because of the economy. I hope it all works out for you and your hubby.
	__________________ .

07-09-2008, 05:43 PM	#3
bandito Going Topless Forum Veteran Join Date: Sep 28, 2002 Location: The Steel City Posts: 6,320	Have you ever tried filing for bankrupcy?
	__________________ bandito

07-09-2008, 09:28 PM	#5
catlover79 God Bless Val Forum Addict Join Date: May 29, 2006 Location: Bewitched in Ohio Posts: 70,392	Hang in there, honey!!
	__________________ "Jesus loves you and He approves this message." "I'm alive. I'm feeling good. I'm trying to live every moment as much as I can." - Valerie Harper, March 2013

07-10-2008, 11:21 AM	#8
KissMyGrits HEGM! Senior Member Join Date: Jul 01, 2004 Location: Las Vegas Baby! Posts: 2,135	Praying that everything goes okay. Depending on which state you are in there is a way that you can get onto the home title without being on the home loan itself. My husband had his house before we married. He owned it with his ex-wife. They divorced and she signed a quit claim deed. Well, when we married he went to the courthouse and filled out another quit claim deed. If something was to have happened and God forbid my husband passed away before me, I would be protected legally and the state couldn't come in and place the house in probate. Either way, I would strongly recommend having your husband add you to the title of your house. Again, it doesn't effect the home loan, just the title itself. Because hubby and I are both on the title of our new house, but his name is the only one on the mortgage. Hope everything goes well!!!
	__________________ check out my blog.... some ficcies, some about me and a whole lotta fun!! http://catniprules.livejournal.com/

07-09-2008, 05:49 PM	#4
AB Member Eternal Member Forum Icon Join Date: Dec 26, 2006 Location: The South Posts: 59,428	Best of luck, hope everything works out well for you.

07-10-2008, 12:03 AM	#6
OH Nuts! Member Forum King Join Date: Feb 15, 2005 Posts: 133,383	Hope everything works out for you.

07-10-2008, 12:08 AM	#7
PunkyP0WER Member Senior Member Join Date: May 23, 2008 Location: MACY*S on 34th St. Posts: 1,908	thanks everyone. i'm sure with you all pulling for us things can only work out for the good. i think i've worn my rosary beads out. God bless you guys

07-10-2008, 11:50 AM	#9
Scoobiedoo30 Member Forum Superstar Join Date: Jun 27, 2002 Location: KENNER, LOUISIANA Posts: 27,654	I am here to tell you that I think everything will be just fine
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