Desiree asked:


My fiance and I were recently pre-approved for a mortgage loan, yet we have somewhat limited credit history. A co-worker told me that every time you apply for a pre-approval, it brings down your credit score … she also said that we only have 90 days to take out a loan before the pre-approval expires. Is this true? If so, I’m worried we won’t find a home within the 90 days and we won’t get a second pre-approval.

STEVIE

1twin4u asked:


My x-fiance and I have been seperated for approx 1 1/2 yrs, were together for 13 years. I have been the mother to his biological child since his birth , he is now 13 – I was also a surrogate mother ( to try and put him myself my daughter and his son in to a home ) we did get into a lease option but it went bad and we lost out on everything. HIs mother then told us she would put money down on home for us – We went looking for a home I picked out ( to this day I have the home loan agent and real estate agent – whom will acknowledge home was for us ) During our relationship we also took in a child ( his brothers wife’s sisters kid – he was 4 1/2 mnths ) when my x had us leave home – we left with nothing ( no money from home at all ) so it was my biological daughter and the baby was about 1 year. I now have legal guardinship of him – and he does think to this day that my x is his father.
Okay so here is what I have to ask ….during this time that we have been paying mortgage on home his mother of course has been claiming with the IRS that she has been living there ( collecting the taxes at the end of the year ) He has also to this day been keeping my name on the PG&E because he recieves a discount.
When we first got home we made a verbal agreement with eachother that if we split ….. he would give at least $7500.00 to me to start over again. Well of course that never happened, and he threatned me if I ever did anything to get his mother in trouble I would be in for it . So how could I go about this legally maybe with a letter first that if I dont get – I will contact IRS.
I dont mean to sound hateful but I have given soooo much time I was the bread winner – making sure mortgage paid he only had to pay utilities. I always made sure kids had the best of everything, helped out my family his family our friends. Now I have nothing I cant work because the little one I have soome issues. But I dont regret thing I love allmy children the same . I will admit yes I am hurt that after 1 year of dating he is getting married – she has been a stripper for 15 years ( fake everything ) the previous occupation just had was talking to men over the phone about their sexual fantasies…. no matter what it is kids, animals, and so forth. That just disgusts me !!!
Please let me know if anyone knows anything – he already has a friend to buy the home .
**** I DONT NEED A HOME LOAN *****
what I am trying to find out is ……Dont I have any legal right ? Shouldnt he at least keep the verbal agreement, He knows his mother will be in big trouble with IRS if I say anything. So can’t I just go to a paralegal and see if they can type up some type of letter to him first – hoping that he would be willing to settle without having to go through whole legal battle. I am sure there is something, please help. Thank you !!

STACY