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Steven Navaro

Steven Navaro’s Answers

99 total


  • I am renting a condo that is in or is forclosed on i was ordered by the court to pay the condo association my rent instead of to

    the lease holder should i talk to the bank i am in the middle the previous landlords are trying to evict me what is going to happen

    Steven’s Answer

    If you were ordered by the Court to pay your rent to the HOA, then that is what I would do. Save a copy of the Court Order, and get a receipt for every payment made to the HOA. Most likely, the HOA foreclosed on the unit for nonpayment of dues, and they are the current owner. That is not always the case, but Court orders are serious business.

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  • Entered an open=ended verbal tenancy agreement with a tenant. how can i break it, or raise their rent to be more appropriate?

    entered agreement 5 years ago. was flush at the time. they were to watch over property. now need to increase rent or sell. they have also not held up their end. paying rent late, under the agreed amount, not taking care of landscaping as agreed...

    Steven’s Answer

    You are too nice. Rental agreements should always be in writing. Tell them that they have to sign a lease or move out. Give them 30 days notice to be on the safe side, and have a professional draw up the lease for you.

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  • If my landlord will not take legal action to have my ex remove his belongings off of the property, is there anything I can do?

    I have lived in my apartment for 6 years with my two children and my ex fiance(the children are from a previous marriage). We broke up and he moved out 8 months ago but has left a substantial amount of his personal belongings in the basement, gar...

    Steven’s Answer

    If he is not on the lease, write him and tell him that if his stuff is not out in 7 days, it is going to Goodwill. Sounds like he is taking advantage of your prior relationship. Good luck.

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  • Real estate offer wait time and another offer accepted in meantime, even though ours was first on waiting list.

    We put in an offer on a foreclosed house over a month ago, we accepted the counter offer on Nov. 8th. I wrote the ernest money check on Nov. 12th. We then did not hear anything until yesterday. They said they had decided to take only cash offers b...

    Steven’s Answer

    While I would probably need more facts to be totally accurate, if your counteroffer was accepted by the Seller and you earnest deposit accepted, you have a binding contract with the Seller unless you failed to meet one or more time deadlines that were in your contract. Even if that occurred, the Seller would have to notify you that the contract was being terminated, and provide the reasons why.
    Once a Seller is under contract, they may have the right to accept "backup" contracts, but your contract is primary and must be performed on. If this fits your fact situation, I would recommend engaging legal counsel to determine your rights under the contract.

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  • I live in Wayne County, MI and my home owner's assoc. forclosed on my home for for deliquent fees. What is my bank's position?

    The HOA got a summary judgement against me for delinquent dues. They subsequently forclosed on my home to collect the amount due. A third party investor outbid the HOA at the forclosure sale. The forclosure redemption period expires on 12/12/20...

    Steven’s Answer

    I cannot speak for MI, but in many states the HOA lien is junior to the 1st mortgage and senior to everything else. IF MI has a superlien statute, like CO, then the HOA may be ahead of the 1st Mortgage for a certain number of months dues, usually 6-9 months. However, if the 1st mortgage does not stipulate or pay those 6-9 months dues, they could be wiped out in a foreclosure.

    Your best bet right now, if you have redemption rights, is to pay the judgment lien on the HOA dues in full, together will all costs and attorney fees That is the only way to save your house. I would not bank on a short sale going through in the next 22 days. Unfortunately, you let this go too far.

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  • Mortgage scam help

    I need help. My father was trying to help me refinance my home in ct and contacted American trust counsel out of Florida . The company wanted $2000.00 to help and my father being a trusting man sent the money on the phone . By the time he went to...

    Steven’s Answer

    Contact the RI Attorney General's office. Someone there should be able to help you.

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  • Are there any special circumstances that allow a warranty deed to be challenged after the statute of limitations has expired?

    My mother unknowingly signed a warranty deed conveying property to my brother, while maintaining a life estate. She had no idea what she did until he passed away. We have strong evidence on paper showing that he tried to fraudulently obtain the ...

    Steven’s Answer

    I recommend that you get legal counsel to assist you with this. If your deceased brother has a probate estate, you may be able to challenge the deed there. However, since your mother has (as it stands now) a life estate, she can continue to reside in the home until her death. Your mother cannot have "unknowingly signed" the deed, particularly if her signature was notarized. However, she may have been misled into what she was actually signing.

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  • I am being asked to cosign on a mortgage by my now ex bf on a home we built together this year.

    He is telling me that he cannot close on the home without my signature, but we recently ended our relationship and I moved out of the home and he has changed the locks. I do not plan on moving back and actually plan on moving out of town and conti...

    Steven’s Answer

    If you sign on the loan, you can be personally liable for its repayment. You did not state whether you are on title to the home. If you are, and you believe that there is no equity in the home, or you simply want to get out, it might be easier to quit claim any interest you have to the home to your ex boyfriend. Particularly in light of the fact that you will be leaving the area, you do not want to have this liability following you. If your ex is refinancing the existing loan, that would be good for you if the new loan did not have your name on it.

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  • Does my friend need a real estate attorney and can she get a sale to Fannie Mae Rescinded.

    My friend letter from Suntrust said that our borrower’s package was complete. The letter is dated 10/19; however, didn’t get it until 10/30. On 11/02, she contacted relationship manager at Suntrust. He asked her to send in a list of updated doc...

    Steven’s Answer

    Unfortunately, once a property goes to sale, it is almost impossible to unwind the foreclosure, absent fraud. While it is regrettable that your friend lost an opportunity to purchase the home, perhaps she should start fresh with the new Owner. Fannie Mae is probably not the party to speak with. Contact the foreclosure attorney who conducted the sale and explain the situation to him. Lenders are usually glad to find a buyer interested in the property. It is helpful if your friend has been approved for the loan.

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  • How do i deal with getting rid of the second mortgage after a forclosure?

    Our house was foreclosed on in 2010 but we are still being persued for payment of the second mortgage. We took out the loan at the same time as the first mortgage so we would not have a jumbo loan.The house is gone and second mtg is $33,000. A co...

    Steven’s Answer

    In addition to the explanations given above, you should be aware that the 2nd mortgage holder could file a lawsuit against you for the amounts that they claim are due. If they do, and win in court, they could obtain a judgment and proceed to collect on that judgment. Your first step is to not ignore any debt collection calls, but to notify them in writing that you dispute the debt and request a full accounting, including the current owner of the debt.

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