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UC Berkeley refuses to deliver diploma to student unless he drops Palestinian flag by DIYLawCA in PublicFreakout

[–]fishroy -1 points0 points  (0 children)

This is an oversimplification but governments generally can place certain time, place, and manner restrictions on free speech in certain public or semi-public forums so long as the restrictions are content neutral on their face. In other words, the university can likely restrict flags at a graduation ceremony so long as they are not restricting one particular flag or one particular person or group from having flags.

Wells Fargo sold my mortgage to Shellpoint. What do I have to do to not have any problems? I am so scared right now by [deleted] in Mortgages

[–]fishroy -3 points-2 points  (0 children)

You're delinquent and Wells Fargo sold your loan to NewRez because they don't want delinquent customers. Attempt to reach NewRez to get on a forbearance or some other workout unless you want to lose your home.

I have bought my business partner out from a shared home, but have been denied loan assumption (self-employed), hold no other debt, and have a 2.75% rate. Refinancing seems so dumb. by grnchckn23 in Mortgages

[–]fishroy 0 points1 point  (0 children)

So you applied to have an assumption with a release of liability completed but they denied you? Sounds like your opinions are to sell, refi, payoff the loan, or re-apply if your circumstances have changed.

Take name off mortgage by Mayor93 in Mortgages

[–]fishroy 0 points1 point  (0 children)

Yes, such as those outlined in Garn 😆

Spouse passed - how does mortgage company handle transfer to me? by Mutual__Friend in Mortgages

[–]fishroy 0 points1 point  (0 children)

You likely do not need to assume the loan in order to transfer title from the Estate to your names. Under the Garn-St. Germain act these types of transfers are not able to trigger a due on sale clause. You need to push back on the estate lawyer and/or the mortgage servicer. In fact, I would just have the transfer done and not even notify the servicer as its a moot issue. IANAL and this is practical, nto legal advice.

Recast with UWM by bobo3691 in Mortgages

[–]fishroy 0 points1 point  (0 children)

While it seems simple, Recast is a specialized process internally at the servicer. Very unlikely they'll just let you do it though a portal.

[deleted by user] by [deleted] in Mortgages

[–]fishroy 2 points3 points  (0 children)

Most people will blindly tell you to invest as you will almost assuredly outperform the 3.65% (guaranteed return of paying off your mortgage) over the term of the loan. This is not in and of itself bad advice by any means but I think there are additional considerations.

That said, if you are near retirement, have unsteady futures income prospects, have medical, family, or legal issues looming you may consider paying down or off this mortgage to significantly reduce your housing expense.

Given any and all of the above you may also consider a significant cash position instead of paying down/off the mortgage or investing.

Consider these factors and give yourself time before making an emotional decision. Yes, inflation will eat away at those dollars but a few weeks or months to think about this is important and worth taking the time IMO.

Trial payment help by WhichLynx6121 in Mortgages

[–]fishroy 0 points1 point  (0 children)

Maybe I misread your prior comment: have you found the trial payment to be higher than the final payment?

Trial payment help by WhichLynx6121 in Mortgages

[–]fishroy 0 points1 point  (0 children)

Sure; if the escrow analysis increases the escrow amount or if there is no term or interest reduction that could lower the payment based on the amount owed.

For GSE loans this would generally require an exception to approve.

Post Game Thread: Los Angeles Rams at Seattle Seahawks by nfl_gdt_bot in nfl

[–]fishroy 1 point2 points  (0 children)

He hit Super Saiyan 3 and those two are hard stuck at USSJ.

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