In case you have a constricted joint ownership of spouses or the undivided co-ownership of spouses has been cancelled, it is possible that only one spouse applies for a mortgage loan. However, this fact has to be documented by an "Agreement concerning constricting the joint ownership of spouses" or by an "Agreement concerning a cancellation of the undivided co-ownership of spouses".

Delta Dental receives the information about covered family members from your employer or other group sponsor. Please review and follow the procedures at your company to add, delete, or change information about covered family members, particularly those that pertain to the time limit on making changes. See similar questions...

Usually it is more advantageous for the spouse with the lower net income to claim the medical expenses because the claim is reduced by 3% of one’s net income. Because of this 3% reduction, the higher the net income, the lower the net claim for medical expenses will be. See similar questions...

Yes, but this unfortunately has several problems associated with it. There is no guarantee that the surviving spouse will have time to set up a trust after the first spouse dies or will actually get around to setting up a trust, regardless of the amount of time available. This method also loses any Applicable Exclusion Amount tax advantage, because, like an outright gift, joint tenancy lumps all the assets in one spouse's estate. See similar questions...

Yes. We highly recommend that you apply for a pre-approval. A pre-approval will evaluate your financial situation and determine what purchase price and loan amount you qualify for based on the information that you have provided in your application. A pre-approval gives you better flexibility and leverage while you conduct your home search. Your loan officer will contact your realtor and will provide a “lender letter” on your behalf. See similar questions...

soon as you decide that you are interested in buying a new home. First, many Realtors will ask that you at least get pre-qualified before they show you a home. Second, if you are pre-approved before you make an offer on a home, your offer is considered to be much stronger to the seller than those that are not. See similar questions...

Getting a mortgage loan is a big step, so you'll need to understand exactly what is involved. Make a list of any questions you have about the loan. This can help you be better prepared when you speak with our loan specialist. See similar questions...

Eligible borrowers need to contact one of the program’s participating lenders to assist with the application and qualifying process. See similar questions...

After you have applied for a loan, the information you have supplied will be verified and a credit report on you will be completed. An appraisal will be performed on the home you are purchasing to determine its market value. When all the information is collected, it will be reviewed for loan approval. See similar questions...

Mortgage, loans and lines of credit can be applied for either on-line or at any of our convenient locations. To apply now simply click here and complete the application. An HMECU representative will contact you the next business day. See similar questions...

There is no provision on an Alaska marriage license to specify your married name on your marriage certificate. If you want to change your name after marriage, request a certified copy of your marriage certificate from the Bureau of Vital Statistics. The certificate can be used as proof of your name change and is accepted by the DMV, Social Security Administration, banking institutions, insurance, retirement plans, and other organizations. See similar questions...

To apply for financial aid (grants, loans, employment) Undergraduate students should contact the Financial Aid Office at (626) 395-6280 or e-mail them at finaid@caltech.edu and Graduate students should contact the Graduate Office at (626) 395-6346 or e-mail them at gradof@its.caltech.edu to obtain detailed information about our assistance programs and application forms. [Back to Top] See similar questions...

There are many types of loans. At Colonial Mortgage, we will recommend a loan that best suits your needs. This may be a fixed rate, adjustable rate, construction loan, balloon loan, a buy-down loan, and many others. See similar questions...

There are two types of buy-down loans. One is permanent and the other is temporary. The permanent buy-down is the most common. The interest rate for your loan will be bought down by the use of points at closing. As an example, if the market rate today is 9% with no points, you could pay 2 points at closing and receive an interest rate of 8.5% for the entire term of your mortgage. See similar questions...

Absolutely! But you should first settle your existing home loan before purchasing reverse mortgage. Fill out our quotes form in order to receive best offers tailored to suit your specific requirements. See similar questions...

Yes. If you have credit problems, be prepared to discuss them honestly. At Equisouth Mortgage, we know there can be legitimate reasons for credit problems. See similar questions...

You may apply by any one of the following methods. You may apply by calling us, drop in, or apply on-line. See similar questions...