Can an ex spouse put a lien on my house?
Can an ex spouse put a lien on my house?
Can my spouse put a lien on the house during a divorce? Yes. In a divorce settlement, to protect property interests, a spouse may place a lien on community property to ensure their financial interests in the property are protected.
Can you check your marital status online?
Verifying your marital status You will need your South African ID number in order to use this facility. You can also sms the letter M followed by your ID number (example: M to 32551 A reply sms will be sent back to your cellphone to confirm your marital status and the date of your marriage.
Can I get a loan without my husband knowing?
In many instances, you can establish credit accounts without the knowledge of your spouse. In other situations, however, you must obtain your spouse’s consent before you apply for new credit even if your spouse’s name doesn’t appear on the loan.
When can a lender ask about marital status?
A creditor such as a lender or broker cannot discriminate on the basis of sex or marital status. With respect to most mortgage transactions, a lender or broker may ask for your sex, but only to support compliance with anti-discrimination laws
Can you lie about your marital status?
While your marital status shouldn’t affect the company – but as a part of the hiring process you are under “oath” not to lie about yourself. PS – Remember the declaration you give at the end of the Resume’ – that you declare that everything stated is truthful.
Can I add my girlfriend to my mortgage?
Fortunately, one person can take the title as sole owner and later add the other partner’s name to the deed. Officially adding the other partner’s name to the deed might allow your mortgage lender to call in the loan, and in some areas, you may have to pay transfer taxes and fees to add a name to the deed
Can you ask marital status on a loan application?
When You Apply For Credit, A Creditor May Not… Discourage you from applying because of your sex, marital status, age, race, national origin, or because you receive public assistance income. A creditor may ask you to voluntarily disclose this information (except for religion) if you’re applying for a real estate loan
What is the 30 day ECOA rule?
A creditor must notify an applicant of action taken on the applicant’s request for credit, whether favorable or adverse, within 30 days after receiving a completed application.
Is your marital status on your credit report?
Marriage has no effect at all on your credit reports or the credit scores based upon them because the national credit bureaus (Experian, TransUnion and Equifax) do not include marital status in their records. Your borrowing and payment history—and your spouse’s—remain the same before and after your wedding day
What happens if you lie on a mortgage application?
There’s no such thing as a harmless lie when you’re applying for a home loan. But lie on your mortgage application and you’ll risk losing your home if you can’t pay your loan. And, mortgage fraud is a federal crime in the U.S. that can get you up to 30 years in prison and up to $1 million in fines
Do mortgage lenders contact your employer?
When someone is applying for a mortgage the lender will ask them for their employer’s contact details. The lender will then phone or email the employer and ask to verify the applicant’s claimed salary and other financial details including bonuses.
Do mortgage underwriters contact your employer?
A reputable lender will never directly let your employer know about the loan you have applied for. When applying for a loan, the lender will need to have confirmation of your employment, however this will be done very discretely. To confirm your employment status, you may have to provide a recent copy of your payslip
Do lenders check owner occupancy?
Lenders usually stipulate that homeowners have 30 days after closing to occupy a primary residence. To verify the person moving in is actually the owner, the lender may call the house and ask to speak to the homeowner. The lender may also drive past the house looking for a rental sign in the yard.
How soon can I rent out my home after buying owner occupied?
How soon can you rent a house after buying it? As a general rule, lenders assume all owner-occupied transactions come with the intention the homeowner will live in the home for a minimum of 12 months
Why would a bank do an occupancy check?
Lenders will take a variety of things into account when determining whether you intend to live in a house and take occupancy type into consideration because people are much less likely to default on the mortgage of a house they are living in
How do I prove my mortgage is primary residence?
How do I prove my Short-Term Rental is my “Primary Residence”?
- Motor vehicle registration;
- Driver’s license;
- Voter registration;
- Tax documents showing the Residential Unit as the Permanent Resident’s residence for the purposes of a home owner’s tax exemption;
- A utility bill.
