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Colorado Housing and Finance Authority I was put on the house title and then told I had to be removed with threats of the loan coming due 3 months later Denver Colorado
Alicia
Thornton,Downpayment in my Name
#5Author of original report
Mon, December 02, 2013
The $1000.00 downpayment was in the form of a personal check in My Name. CHFA had no problem taking that. I also paid the movers $700.00 in a check in my name.
Alicia
Thornton,No drugs
#5Author of original report
Sun, December 01, 2013
By the way I was not on any drugs. And I doubt anyone was trying to help ME. Why don't you not respond to things you know nothing about?
Alicia
Thornton,wrong
#5Author of original report
Sun, December 01, 2013
I don't know who you are but you are wrong on a couple of counts. First off I know common law is a tricky area. It is law in colorado. But beyond that I was on the first application. We lived together, were not legally married but were applying to buy the house together.
When I became injured and was getting workman's comp as income, only then did chfa not accept me on the application. It WAS WRONG, perhaps of the title company , to have me sign all the closing papers and have me legally on the title and have it show as having me on the title at the county courthouse. I have the paper.
I could have and should have said "No" to agreeing to sign my name off of the title. Yes I am hurt and angry. NO getting married Does Not legally put me on the title. Oh sure, here's x number of thousands to pay off the loan, and then I can just be on the title. Ah maybe in 30 years.
I do know that it's possible to refinance and put me on the title. The point is, it WAS wrong to have me put on the title and then taken off. And maybe even illegal.
Tyg
Pahrump,Common law...
#5General Comment
Sat, November 30, 2013
As you said, your husband is a "common law" husband. So your shacked up but not REALLY married. Yes its understandable that you got injured and yes it understandable that you MIGHT be upset. But dont you realize that if you get married you can LEGALLY be put on the title and there would be no issue. If you have the money to put down on a house, then you have the money to get married and make this all legal. In matters of business they CAN NOT accept a "common law" marriage.
That would be unfair to all parties involved. Including you. If your "husband" decided to up and leave and your name was on the loan and title, YOU would be the responsable entity. Or if something fatal happens to him, you get left paying a debt that really is not yours. Then once its all paid, his relative can put a claim against the very same home in which you live. As they would be the NEXT OF KIN LEGALLY!!
Once your loan is paid off it is a simple matter of paying a fee and getting your name placed on the house. There is nothing shady here and it looks like they were trying to keep you from making a mistake and costing you a lot of money. But in your drug addled state plus your pain, youre looking to lash out at ANYONE you FEEL is responsable. Get over it.
The fixes are all things YOU TWO have to do. Either get married and put your name on the title or pay off the loan and put your name on the title. Youre lashing out at ppl that tried to help you. Use that brain of yours and you will see how they attempted to help you. Get over the fact that just because you had to sit there during the signing that you DESERVE to have your name on the title. You dont have your name on it because you do not qualify as a LEGAL spouse.
I would have a Lawyer with me at all times in dealing with CHFA. My story is long but briefly - I was buying a house, a short sale with my common law husband. But I got in an accident and ended up in the hospital for over a month. I was on workman's comp. but CHFA did not consider that income, and said I had to be removed from the housing application. I did not want my husband to buy the house without me on the application but he did anyhow.
Unfortunately worrying about my recovery in the hospital was more important to me at the time, and I did sign whatever papers were put in front of me in regards to the house buying. I was out of the hospital for 2 weeks and in a wheelchair when the day of the closing came. We got a phone call from the realtor, saying to bring me along I CAN be on the title. I came in a wheelchair and sat through the 2 hours of signing papers.
I was on the Title and even have a copy of the title filed with Adams county Co. to prove it. But 3 months later we get a call from CHFA saying our account has been audited, we're not "married" and I have to be removed from the title or Else "the loan could come due". At the time, still using a walker and a wheelchair, and having my husband yell at me "The loan could come due", I very foolishly signed whatever paper to take my name off the title. I SO wish I could go back to that day and say "No".
I feel bamboozled. I would never deal with CHFA or even a realtor without a lawyer by my side every step of the way. It's a sad state of affairs when CHFA has to take away a first home buy from a disabled person. This has emotionally devestated me. Also my husband called them after the fact insisting I was his wife, but they refused to budge.
My main issue is that I sat through the whole closing. I was on the title. Then months later I was told I had to be removed from the title. Something is not right there. I would have more respect for the company and process if they were honest and told me I could not be on the title in the first place. Someone did something wrong there and I do not appreciate being put through this.