Скачать или смотреть Dad's Looking to Refinance His House and Found a Lien - Reddit - Personal Finance

A Reddit user’s father wanted to refinance his house, but it turns out there was another lien on his house. Upon further digging, they find out that his mother has not been making payments on the furnace that they purchased (and had it installed). Now he’s trying to figure out how long they have been “deceived”.

My response: I am not sure what he means by being “deceived”, and I am not a therapist but there could be a reason why she hasn’t made payments on them. Unless she just has a history of not paying people in the past just for the fun of it….

The easiest way to find out what he is looking for is to call the company and ask them. It was stated, it was due to her late payments, but sometimes companies put a lien on it to collect the payments. Like solar panels etc. it’s common (even if you are not late). But more importantly, I think the issue here is, why was she late to begin with? Again, if she’s late just for the fun of it, there is no excuse there. But if she is having some financial difficulties…. I would sit down and go over the numbers. Often it is about income issues. Refinancing helps with reducing monthly outgoing, but you (as a family) need to figure out ways to increase your income. I would focus on using cash to invest or adding another source of income by getting a job or another.

As far as refinance is concerned, depends on how much the lien is for or who has the lien on it, either you can pay it off with the refinance OR ask the lienholder to temporarily remove the lien for the refinance, and they may do that for you as well. Good luck! If you find this information useful, please like and subscribe!








































































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