Would you need your ex to sign something for you to get a house??? Need opinions
Ok...so they have a divorce decree signed...the BM receives direct deposit to her account every week. She is trying to buy a house and has "told" bf he needs to come over and sign some document about what he pays in CS for addition proof of income...and the whole "it's for your daughter" bullshit line. THing is, he probably won't sign it.
BUT I call BS on it...she's up to something. We don't trust her, she's a pretty swine type of person that ALWAYS gets over on people, her exh (my bf), his parents, sales people, insurance companies, welfare fraud, you name it.
PLUS she has been SO uncooperative, screwed around with him, pas's the kid, lies, manipulates--why on earth would he sign anything to make it easier on HER to get a house on her own. SHE foreclosed on the house SHE agreed to take over, AND the portion of debt she had which screwed up HIS life for years before his credit is restored...but she wants him to help her out??? For his "kids" sake? Ain't happening!!! Don't care if she has to rent the rest of her life.
Thing is...it's bs she needs it. When I bought my home I used only MY income for the loan. They told me if I had the decree and some bank statements that show the deposit amounts weekly they could just use that-they never asked me to ask my exh to sign anything. AND since he sometimes pays me cash and sometimes check it wasn't shown as consisten on the bank I decided to just base it on my income. So the "she needs it otherwise it's denied" is bullcrap-has anyone had to ask an ex to sign anything?
We're surprised she hasn't learned to forge his signature by know anyway. PLUS she wasn't asking him to meet at a notary either...just sounds fishy. Luckily my bf assured me before I went off on "don't you dare sign anything w/out careful review" that he wasn't planning on it even if it was something legit 
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I don't blame you for being
I don't blame you for being skeptical. Child support as proof of additional income is optional for loans, credit card applications etc. I had to supply documentation on that recently and all they wanted was either the actual court order or a monthly statement showing the child support amount received and the frequency. Your bf shouldn't need to sign anything!
I've never heard of needing
I've never heard of needing an ex to sign something like that. Does she not have check stubs or some kind of record to show receipt of payment? If she doesn't, that's her fault. Your bf isn't responsible for verifying HER income or providing proof that it is what she says it is. That falls on her shoulders & hers alone.
Never sign anything
Never sign anything especially after the divorce is over - she is now her own person and tell her to start relying on someone else to help her - your DH is off limits - I would not even go over there and look at the paper - the banks know how to get all of that information. She is up to something!!!! :? :? :?
Thanks for the quick
Thanks for the quick responses!! See, absolutely...I couldn't gather why she couldn't just show her bank statements that show a deposit every Friday of the same amount. She HAS to be up to something.
ANd yes it's not his job to provide anythign for her. She royally has screwed up his life-for a kid that likely isn't his -and he's supposed to care how the bm buys a house. PFFFTTT
The only thing BF should be signing these days is the go ahead for a court approved dna test.
I agree that this sounds like
I agree that this sounds like complete horse shit.
I would be very wary of her attempting to get your DH to co-sign her mortgage. The CO and statements from the CSE office should do for her to claim CS as income for qualification purposes.
This for sure does not pass the smell test.
Best regards,
That is VERY helpful!!
That is VERY helpful!! Ok....yes she was probably mentioning it as "stated income"...but if it's been reformed then no go...see they asked me the same thign-three months bank statement and Divorce order...this didn't smell right to me either.
I'll definately share you guy's opinions with him---not from what site but just "on the world wide web"
See....I guess the part that got me was they already HAVE a signed decree AND proof of direct deposit. THIS "signature alone" wouldn't prevent her from getting a house. PLUS....let her take his $ out of the equation like I did when I got my house. SHE screwed up not only her credit but my bf's by defaulting on what she agreed to in court....tough shit.
Her bank records should be
Her bank records should be all the proof she needs...
I had the same deal as you...I could have included CS with three months bank statements as proof or just used my income.
She should not NEED his signature for anything.
The thing is last year...she
The thing is last year...she also asked him to sign something for the state to supposedly RECEIVE food stamps...which didn't make sense-because between her job income and his CS I don't see how she would qualify for it to begin with. I swear she is always tryign to milk SOMEBODY!
She probably needs the proof
She probably needs the proof of CS money to prove she has enough income to support the mortage!
He doesn't need to sign CRAP.
He doesn't need to sign CRAP. Don't let him do it. All she needs to do is provide the court order and the bank statement. She probably is trying to use his name on the loan! I don't trust our BM as far as I can throw her, my husband isn't allowed to sign ANYTHING for her.
He doesn't need to sign CRAP.
He doesn't need to sign CRAP. Don't let him do it. All she needs to do is provide the court order and the bank statement. She probably is trying to use his name on the loan! I don't trust our BM as far as I can throw her, my husband isn't allowed to sign ANYTHING for her.
So typical of banks. First
So typical of banks. First they give away money then they tighten it up so no one can qualify...you'd think they'd just go middle of the road all the time.
Don't blame the banks...blame
Don't blame the banks...blame the people that bought houses that they couldn't afford and knew they couldn't. The banks have taken such a hit that they have to be more careful now.
I work in banking and can tell you that right now there is so much money now, bankers are lending again, they are just making sure it is to the right individuals and companies. They want to make sure you are not going to default.
Exactly.
Exactly.
Jsmom-banks made it appealing
Jsmom-banks made it appealing by introducing no interest balloon mortgages and approving anyone and everyone...it's not only the peoples fault. Many are very naive about how it all works.
For most people they might have figured hey-i'll go w/a 5 yr no interest since I plan to sell anyways -and then the bubble burst and people were stuck.
I blame mainly the money grubbing banks and top guys that KNEW they were screwing up and the risks and KNEW the it woudl burts and people would lose homes left and right. GREED the root of all evil. Anyway, a tangent...really the blames goes to everyone, the banks, the people, the politicians that pressured banks. ALL shared in this fiasco.
I was able to get into my latest house RIGHT before the bank collapse and tightening happened. I still insisted on a 30yr fixed but not everyone thinks the same.
This is true... HOWEVER, I
This is true... HOWEVER, I think the Greed was on the part of the bank AND the homeowners. They wanted to buy more than they could afford, keep up with the Joneses persay... and got themselves in to stated income loans where they were able to "say" that they made "x amount" of money in order to qualify. Knowing that it was no where near accurate. Banks were stupid enough to pass out money based on a loan application stating that a borrower working at Burger King makes $5000 per month. But we (mortgage companies) were not required to provide proof, and in some cases actually being sued for questioning the accuracy of what the borrowers were "stating" their income was. It was a catch 22 for mortgage companies... and a kid in a candy store for the buyers. Ugly ugly ugly on all parts. There are the select few that didn't take advantage of the situation and bought only what they can afford. I commend you for that. It's easy to get caught up in the trend, so to speak.
Ohhhhh yes. Some banks were
Ohhhhh yes. Some banks were wetting themselves trying to get people to take out second mortgages to pay for vacations, boats, college, etc. "Take that vacation you and your family deserve. Let us help you!"
Hi... 13 years in the
Hi... 13 years in the mortgage industry here. The only time he would HAVE to sign anything is if they are still legally married, and she is getting an FHA loan. He would have to sign a "quit claim deed". To prove child support she would have to provide a copy of their custody and support paperwork, and proof she receives it (bank statements or canceled checks). There is no way they are asking for a written statement from him. The days of "taking peoples word for it" in the mortgage industry are long gone, and everything has to be proven legally now.
Hope that helps.
BM wanted same thing years
BM wanted same thing years ago - told to take a hike figure it out on your own. I would not sign anything.
NO SIGN NO SIGN NO SIGN I
NO SIGN NO SIGN NO SIGN
I don't think he should even have gone over there to discuss it. Not his problem.
In my opinion his signature (for what it seems like is being asked) is not that meaningful. Some couples where both are idiots (not just BM like in your case) the ex could sign a bunch of stuff he knows are lies.
The court order plus proof of it being paid are way more meaningful.