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  #1  
Old 02-10-2009, 08:51 AM
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Delinquent Mortgage Payments

What is the name of your state (only U.S. law)? New Jersey

My husband mortgaged a manufactured home for his mother to reside in. She is responsible for the mortgage and the lot rent, however the mortgage is now 2 months delinquent. The home is currently for sale, but what can we do in the interim if she continues not to pay the mortgage/ lot rent? Also, our family home is mortgaged under my name. Will the delinquency on his mortgage affect the mortgage currently in my name?
  #2  
Old 02-10-2009, 10:07 AM
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Quote:
Originally Posted by o56mudduck View Post
What is the name of your state (only U.S. law)? New Jersey

My husband mortgaged a manufactured home for his mother to reside in. She is responsible for the mortgage and the lot rent, however the mortgage is now 2 months delinquent. The home is currently for sale, but what can we do in the interim if she continues not to pay the mortgage/ lot rent?

**A: this question is easy. What you can do is have him pay what he contracted to pay. He signed the mortgage so he is legally liable to pay for it.

##########
Also, our family home is mortgaged under my name. Will the delinquency on his mortgage affect the mortgage currently in my name?
**A: no, it should not unless things get worse.
  #3  
Old 02-10-2009, 01:05 PM
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delinquent mortgage payments

He acquired the mortgage under the understanding that his mother would be making the payments. Now that she is not, we cannot afford to pay for both her home and ours. What are our options?
  #4  
Old 02-10-2009, 01:12 PM
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Quote:
Originally Posted by o56mudduck View Post
He acquired the mortgage under the understanding that his mother would be making the payments. Now that she is not, we cannot afford to pay for both her home and ours. What are our options?
Evict mom
Sell it
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  #5  
Old 02-10-2009, 01:34 PM
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Quote:
Originally Posted by o56mudduck View Post
What is the name of your state (only U.S. law)? New Jersey

My husband mortgaged a manufactured home for his mother to reside in. She is responsible for the mortgage and the lot rent, however the mortgage is now 2 months delinquent.
Wrong. He got the loan - HE is responsible for the mortgage.
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  #6  
Old 02-10-2009, 03:37 PM
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Delinquent mortgage payments

Thank you for stating the OBVIOUS. I've joined this forum for legal advice, please only reply if you have some.
  #7  
Old 02-10-2009, 03:57 PM
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Originally Posted by o56mudduck View Post
Thank you for stating the OBVIOUS. I've joined this forum for legal advice, please only reply if you have some.
You've received accurate legal advice.
Mom is not responsible for the mortgage.
Mom will need to be evicted.
The place will need to be sold.
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The information I gave is based on my 7 seconds of research on Google. Review the information yourself to make an informed decision.

Communication is KEY - 10 mins of talking now can save you months of headaches later!

Masterfully stating the obvious to the oblivious! (Thanks SP!)

Tell it like it is! When all else fails, make up a statistic!

Gender references shall apply equally to the other gender. I will not correct gender mistakes (unless I want to)
  #8  
Old 02-10-2009, 07:54 PM
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Quote:
Originally Posted by o56mudduck View Post
Thank you for stating the OBVIOUS. I've joined this forum for legal advice, please only reply if you have some.
**A: and what legal advice that we gave to you that you did not understand? OBVIOUSLY, you can't understand.
  #9  
Old 02-11-2009, 08:33 AM
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The courts can not enforce any so-called "understanding" between your son and his mommy. He's going to have to figure that out on his own. His only options are as stated, pay the mortgage and if necessary sell the property.
If he defaults on the mortgage his credit will be screwed, he'll lose the property, and the bank will come after him for anything that was deficient in what they got at the foreclosure over what they are owed.

There's the legal advice.
  #10  
Old 02-11-2009, 11:45 AM
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Apparently mudduck got's too much mud between the ears.
Quack quack.
  #11  
Old 02-11-2009, 08:30 PM
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I don't have the answer, but I have found myself needing the advice of what to do with my past situation. I would advise to google "homeless prevention New Jersey" or better yet, include your city and state. An agency may be able to contact your mortgage company on your behalf and get a workable resolution. My quick search came up with this:

New Jersey Department of Community Affairs - Homelessness Prevention Program (609) 441-3045.
You could try your Department of Community Affairs which could get you in contact with your local homeless prevention agency.

Homeless Prevention Program:
Main Office
40 North Avenue
Elizabeth, NJ 07208
908-352-7474
908-965-3227 (fax)

Mid-Town Elizabeth
16 Jefferson Avenue
Elizabeth, NJ 07201
908-372-1007
908-372-1018 (fax)

Best wishes.

Quote:
Originally Posted by o56mudduck View Post
What is the name of your state (only U.S. law)? New Jersey

My husband mortgaged a manufactured home for his mother to reside in. She is responsible for the mortgage and the lot rent, however the mortgage is now 2 months delinquent. The home is currently for sale, but what can we do in the interim if she continues not to pay the mortgage/ lot rent? Also, our family home is mortgaged under my name. Will the delinquency on his mortgage affect the mortgage currently in my name?
  #12  
Old 02-13-2009, 03:38 PM
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You and i both. Nothing but trolls here but great for commentary.


Quote:
Originally Posted by o56mudduck View Post
Thank you for stating the OBVIOUS. I've joined this forum for legal advice, please only reply if you have some.
  #13  
Old 02-13-2009, 03:51 PM
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Quote:
Originally Posted by DiZZ-831 View Post
You and i both. Nothing but trolls here but great for commentary.
**A: there are more than trolls here.
  #14  
Old 02-13-2009, 04:15 PM
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Quote:
Originally Posted by DiZZ-831 View Post
You and i both. Nothing but trolls here but great for commentary.
Spoken like a true troll
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  #15  
Old 02-13-2009, 04:32 PM
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Originally Posted by Wirelessany1 View Post
Spoken like a true troll
**A: wanna buy a true troll doll? Now say true troll doll five times fast.
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