Tag Archive: taxes

Why is home mortgage interest a tax deductible?

Answer: Because the Gummint wants people to own homes. (Actually, the Gummint wants people to own expensive homes to pay property taxes on.)

Home mortgage life insurance for a soldier that doesn’t have a clause for being kia?

Gruesome thought but a necessary one since the 0k-taxes doled out after a soldier gets killed doesn’t even touch a home mortgage cost in california or a family w/ 3 children who still need to grow up. thanks for the ans. everybody. If u have any more ideas pls. let me know. After calling x …

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Is it better to pay your home taxes & insurance yourself or let the mortgage pay it?

Right now our home taxes & insurance are spread out through each month. Would it save any money if we just pay it ourselves each year instead of spreading it through the mortgage? I know it would obviously lower our monthly payments but I mean is there any other way it would be better. I’m …

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Home mortgage, what’s better? paying down the principal, or putting money in escrow?

I’ve been paying a couple of hundred extra on the principal to get the balance down. Is there any advantage to putting money in escrow? Could I do both? I have a chance to throw extra cash at my mortgage, how should I do it? Answer: Hi, The only advantage with adding to escrow is …

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What happens to a second mortgage when a home is purchased at a foreclosure auction?

I am going to bid on a house at foreclosure and it has a 1st mortgage of 0K and a second of K. The lender on the first two mortgages is Decision One Mortgage. The lender at foreclosure is Countrywide. Does this mean that if I buy this house at foreclosure that I will own …

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Boyfriend stop paying second mortgage, and now they are trying to take home what can I do, first mortgage paid

I pay first mortgage on time and taxes on time so how can I keep my home . Answer: Mrs Power, The basic right of the second trust deed holder is to acquire the property subject only to the superior rights of the first trust deed holder. You will have to refinance your 2nd. trust …

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Who can deduct mortgage interest and property taxes for a home residence.?

I live in my sons home and I pay all the mortgage and property taxes. Can I use the deductions or must it be the owner? thank you. Answer: The legal owner of the home that has been used as collateral to secure the mortgage for the home and makes the payments would be the …

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Does a having a private mortgage through family disqualify you for the 1st time home buyer tax credit?

For the past 4 years I have been buying my home from my uncle through an escrow service. The private mortgage does not show on my credit report, but I do claim the interest as a deduction on my taxes. I have placed that home on the market and I am purchasing another home. Will …

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Are property taxes and home insurance included as part of mortgage debt?

NBC News said last night that debt should not exceed 38% of take home pay. Are property taxes and home insurance included as part of mortgage debt? Answer: When it comes to qualifying for a mortgage loan every lender WILL include the taxes, insurance and mortgage insurance (if any) in the debt to income ratio. …

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About what % of monthly gross salary should home mortgage be?

I’m trying to figure out what house i can afford. I’m single w/ no kids. Make ,000 a year. Answer: According to the general qualifications for a conventional loan, the principal, interest, taxes, property insurance, private mortgage insurance, and any applicable condominium or homeowner association fees shall not exceed 28% of your gross monthly income. …

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