answered on Jul 31, 2023
In Pennsylvania, a proof of funds letter is typically provided by a financial institution, such as a bank or lender, to show that a mortgage applicant has sufficient funds to cover the down payment and closing costs for a property purchase. While a friend may be willing to help by providing... View More
I placed a cash offer on a home. My realtor told me in 5 days to put escrow. I ask would I lose my escrow if I change my mind. She said as long as money hasn't exchange hands and it's before the 5 days then no I wouldn't. Now in the 3rd day we change our minds and now the buyers are... View More
answered on Jul 20, 2023
There is no way to answer your question without knowing (a) whether the buyer signed the agreement of sale; (b) if the buyer signed the agreement of sale, what the agreement said about the buyer’s obligation to pay a good faith deposit (a.k.a. escrow amount); and (c) whether the agreement of sale... View More
My father and I were advised he could have paperwork done saying that I would take over the mortgage on the house he owns, and that the ownership of the property would be transferred to me once it is paid, as he is planning to relocate. How can we go about this?
answered on Jul 20, 2023
It is possible (though unlikely) for the mortgagee and the holder of the mortgage note to sell these documents to you. Assuming the mortgage and promissory note were obtained through a commercial lender, they were probably sold into the secondary mortgage market and are serviced by (and perhaps... View More
I would like to know which laws in Pennsylvania mirror the following laws as listed in the question from the state of Georgia.
OCGA § 44-14-162.2 (a) ,
OCGA 16-8-102 (5) ,
OCGA 16-8-105 (a) & (b).
answered on May 12, 2023
I'm not licensed in either state, but I like a puzzle/challenge as much as the next guy:
OCGA § 44-14-162.2 (a) relates to Mechanic's and Materialman's Liens in Georgia, which requires a notice to be sent to a contractor or property owner before filing a lien claim for... View More
answered on May 11, 2023
Attorney Avery is correct, but before I went that route, I would start by trying to locate a "duplicate" satisfaction of mortgage from the lender or its successor. If they are still in business, call them and ask for a duplicate satisfaction. If you cannot locate the lender or determine... View More
answered on May 10, 2023
Hire a PA attorney to file a Quiet Title action. You must prove that the Note was paid in full. It can be difficult to serve old lender/noteholders, so publication notice may be necessary. When you win, you must draft a precise proposed Judgment, which you will record a certified copy... View More
I am filing complaints with the WV Board of Professional Surveyors and the Registration of Engineers. A local surveyor lied and committed perjury on his Affidavit entered as evidence in my property dispute where I was the defendant.
I have Solid proof. This surveyor had to determine what... View More
answered on Apr 27, 2023
Be aware that a mistake is not perjury.
You may or may not be able to reverse the judgment depending upon whether you had the affidavit before the judgment was rendered and whether you had access to the information showing the error.
The general rule for a motion for new trial based... View More
My mom died intestate with a mortgaged home the lender sold portfolio of mortgages and in paperwork it showed owners death certificate but didn't show any documents of the 3 heirs so now the new mortgage co. Is trustee and said they need our birth cert. And signed quit claim deeds from the 3... View More
answered on Apr 1, 2023
You should immediately seek counsel from a Trust and Estate attorney who is familiar with foreclosure actions. You should contact the heirs and open an Estate with the Sussex County Register of Wills or in the County of her residence when she passed away and have the heirs appoint an Adminstrator... View More
answered on Mar 2, 2023
If you suspect that your neighbor is doing construction work without the proper permits, there are a few options you can consider:
Contact your local building department: You can contact your local building department to report any suspicious construction activity. They can investigate... View More
appraisal. The buyer wants to do the repairs so it passes, but wants me to reimburse him at closing. Doesn't that void the "as is" contract he signed?
answered on Feb 25, 2023
Without knowing what the agreement of sale says, it’s difficult to answer any question about it. In any event, if the buyer’s financing fell through, the agreement probably allows you to terminate the agreement. I doubt the agreement would allow the buyer to even enter onto the property without... View More
We are all allowed to use the alley-way for the purpose of walking through it. I need to attach a downspout to this area of my building in order to direct a portion of the rain water here. My question is, does the fact that we are all able to use the space for walking through also allow for this?... View More
answered on Feb 21, 2023
It’s hard to say without knowing whether there is a written easement agreement or other writing (perhaps in the deed) creating the right of way and whether it restricts the easement for its intended use. If the new downspout would further restrict the use of the easement for its intended use, I... View More
Put in an offer, found out they went with another offer. Later found out that the agent selling the house also represented the winning offer. From what I can tell, that agent is required to disclose this, and they are not permitted to review other offers on the house.
answered on Feb 13, 2023
The agent representing the seller is called the “listing” agent and the listing agent is the person who enters into a contract with the seller. Under PA law, a listing agent is permitted to represent both the seller and the buyer. The listing agent is required to disclose to the seller in the... View More
Put in an offer, found out they went with another offer. Later found out that the agent selling the house also represented the winning offer. From what I can tell, that agent is required to disclose this, and they are not permitted to review other offers on the house.
answered on Feb 13, 2023
The agent representing the seller is called the “listing” agent and the listing agent is the person who enters into a contract either the seller. Under PA law, a listing agent is permitted to represent both the seller and the buyer. The listing agent is required to disclose to the seller in the... View More
Is there any status of limitation on this judgments? This was for an unsecured business loan from one of the major banks .
answered on Feb 14, 2023
Credit reporting does not affect the time in which a creditor can collect a judgment. A creditor with a money judgment in Pennsylvania can collect against the debtor's personal property, including money in bank accounts, for up to 20 years. In addition, as my colleague noted, judgments become... View More
Is there any status of limitation on this judgments? This was for an unsecured business loan from one of the major banks .
answered on Feb 13, 2023
Judgments become liens on all Real Property the person owns in the County where the Judgment is recorded. Judgments need to be renewed every 5 years to retain the lien and its priority against the Real Property. You should contact an attorney that has experience in Real Estate and Foreclosure Law... View More
the mortgage (I have been so credit doesnt tank) my family court atty says send her an eviction letter so I can sell the hosue, but everything I see is for tenants. Is there a special letter I should send?
answered on Feb 10, 2023
You need to ask your family court attorney for a better explanation.
Ordinarily, if two people are both named on the deed for a house, each person has the equal right to occupy the house, and neither owner can evict the other.
In a divorce, the family court can award either spouse... View More
He has real estate as well as our house in his name only, and my mom wants her name put on the property as well. How can they go about switching ownership legally from just him to both of them, so that her name can also be on the deed?
answered on Jan 30, 2023
Easy to transfer title ownership.
Your father can sign a deed from himself to both his wife and him, and probably as joint tenants, with right of survivorship so that when one dies, the other owns the entire property automatically. He then records the deed. There will be a fee for that by... View More
He has real estate as well as our house in his name only, and my mom wants her name put on the property as well. How can they go about switching ownership legally from just him to both of them, so that her name can also be on the deed?
answered on Jan 30, 2023
Transferring property from a husband to husband and wife jointly (tenant by entireties in Pennsylvania) is easy so long as there is not an outstanding Mortgage loan. Just need a new Deed from your father (Grantor) to your father and mother as husband and wife (Grantees). Since the transfer is... View More
My oldest brother is having serious health problems that could possibly be fatal. He has incurred some medical debt due to having no health insurance. If he signs over his 5/8 share of the property to the rest of us, can we avoid paying his medical bills with the estate if he should pass away?
answered on Jan 11, 2023
PA has a "fraudulent transfer" statute, to defeat the give-away of assets by a debtor or soon-to-be debtor intending to make himself "judgment proof". The reach-back period to recapture transfers of property for insufficient consideration is four years.
You don't... View More
Technically, I could walk from this mortgage as I am legally free from paying it but I plan to finish it. Can another creditor I'm having trouble with and was not included in the original chapter 7 bankruptcy place a lien against me on this home I have no legal obligation to pay? If yes, what... View More
answered on Jan 5, 2023
Justice Clarence Thomas, in the Dewsnup opinion, wrote for the majority that in a Chapter 7 case, a validly perfected mortgage lien against property cannot be "stripped down", i.e., is not affected by the bankruptcy filing (the opinion strangely held that section 106 of the bankruptcy... View More
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.