😮she didn’t have the credit or income for the mortgage (loan), to go in her name. That’s why she needed a co-signer. This is sad but you can’t trust anyone with your money or property.
From I arrived in this country since the late 1980s I was told about good credit and that is what i go by this is my 3rd house buy and sell Do Not rely on anyone but yourself
I bought my house by myself. If my husband was alive, he could have it because he was a good man. NOW it's all for my 2 daughters to share. They're honest and love each other.
Because she don't know the difference between cosign for the mortgage and applying them to the deed. No knowledge about real-estate. She just want to buy a house.
That sista need to Rush down to to Legal Aid, Downtown Brooklyn. Call 311 and make a complaint, they will hook her up with free Legal Advice. Tell her to go down Brooklyn and put a lien on the title.They will help you get back the house. A lot of men going around taking away people house.
Dear lady take this person advice and fight for your house,don't give up,go down on your knees and pray , god will make away when it starts to be no way
Dear friends sometimes the way may seems dark and dreary, but has to go on when you work hard to achieve things in life it is a blessing so let us live our lives to the fullest, for their is a way when it starts to be no way
I got married to a Jamaican and he tried that with me when he came and saw my house he ask me to put him on my mortgage and I told him no he also ask me about my pension as well he came into the country in 2015 and I had to divorce him in 2016 and then forward the divorce decree to the immigration so he is now illegal in this country
My kids father come New York saw how much I was getting in taxes and conspired to take my kids away to get all the benefits so yes you got to be careful
A warm bath, watching RU-vid, cooking any foods that I like, crochet anything, a little drawing, and my favorite tv shows are all that I needed. No bwoy can convince me to take him in my house. Not even if he has the cross on his back, and Jesus walks behind him. My properties, my two girls.
It seems she went to work , not present during the closings and became she did not want to pay the full fee to the closing attorney and she shift the documents on her. Attorney fees are part of the closing cost. Saying she didn’t do nothing was not the correct attitude hence when it was time to take off his name the attorney said No. find another attorney.
@@jackierobinson456exactly!! All of this is because she didn't want to pay the additional $300. I think the man paid the $300 along with the $700 that she gave him and the lawyer advised him, that's why he drew her out when he was to sign the paper stating he owns 1%. From $300 to thousands... Smh... Mi kinda nuh feel sorry fi her because of her attitude with the first lawyer and now she blaming the lawyer.
The amount a money this lady pay the Boyfriend, mortage and lawyers she would have bought 3 houses. Your strong lady, mi would a tek dem money deh and move on. This is America from dem name deh pon di deed/title dem entitle to something.
Trust mi that wicked woman she is going to lose more than that. If you don’t get something honest it’s not going to stay with you for long. Stay strong lady you’re going to live to hear about her
Her credit was messed up both times that is why she had to put other people names on ‘her’ house. You were an easy target, you gave your house to people twice. Once you were burned you shouldn’t put any one’s name on any asset, car, house anything. If you cannot buy a house by yourself or with your spouse, don’t buy it by asking anyone to co-sign, or put their name on your property that is why she/they were eager to help, you were an EASY target.
Her credit wasn't messed up. It is very hard to get a mortgage when you are self employed; even if her score is 850 it is still hard especially if she wasn't paying her taxes which I believe was the case here but, what she should have done when the boyfriend acts up was to get a w-2 job she had only needed 4 paystubs along with her 2 previous years tax return then put the mortgage in her own name but, some people doesn't want to pay taxes. She didn't learn the first time. With her boyfriend it would be easy for her to get things transferred but, with her friend it's going to be very hard because the friend already sold the place to the investor so, they can bailiff her.
I totally agree trust no one whatsoever. I've lived it and learned from it no matter how much closed they are to you. Never purchase property with any family members if you can't do it on your own leave it alone..speaking from experience
Sorry you're encountering such a difficult time with your house. I would've never bought a house with anyone I am not married to. When I bought my house, the guy I was dating wanted to be apart of it and I told him hell no, because I didn't want to fight him in court for my house if the relationship didn't work. 2 months after I bought the house we broke up. That was the best thing I ever did, because he was so jealous of me. I wish you all the best. Karma is real and it will get them both.
This is a perfect example of why having GOOD credit is important. Unfortunately for her, she’s going to lose the house because the lady is also the owner (her name is on the deed). This is not new. If you can’t afford it by yourself, leave it alone.
I’m confused. The house was never in her name? If it was How he get a loan without her knowledge? How the lawyer fees was not included in the closing contracts?
The entire thing sounds suspicious. Bcuz there is no way if her name was on it that he can go get a loan since they would need her signature. Title insurance even if he has 1% , both have to sign.
I am so sorry for that lady,Because that same thing reach my sister,and she deceased now,and one of my family claims the house now,Because dead man tells no tails 🤔🤔🤔🤔
This is a very sad story, The Lord will see Pamela through. Karma will reach the family member that put her through this terrible experience. Damian thanks for sharing this experience to your audience blessings
Don't think this lady is lying ppl are something else and when you are here and you can't do stuff for yourself it's no where easy. Talking from experience sad😂😂😂
You are soo right America mi come and find out our own Jamaican you don’t know who to trust I married a man didn’t even have papers borrowing money off my house I had to get him out I canceled every papers and divorce him so I feel your pain
Confuse, did this man put any money in the house or only his name as a co-signer? How his he selling back the house to her, if she's the owner. People wait until you can outright purchase a home, don't put anybody on your deed not even your adult children. Women, this is the 21st century you need to be smart. 🙁
Thank the Lord I have 1 of my children whom I can trust with my finances and he holds the mortgage n deed to my new house. Now that m on the deed. But it’s alright! He’s working on getting his own property as well. Also, have 1 brother whom I can just as well. So I’m sorry about this woman’s situation.
It seems the attorney shift up the paper work, she was not physically present during the closing process . She said she signed papers before and left allowing and leaving the man to continue the closing as the primary owner. Also remember she refused to pay the asking fee to the closing attorney. He must have paid the fully fee , noticed she think some fraud when on with the man and the attorney after the transaction.
@@jackierobinson456 Sad and unfortunate for her. If people study the readings of the bible most time they will get a little wisdom. The bible says put no trust in anyone. I live in the U.S. most of my life and two things I have learned, don't co-signed for anyone and you don't purchase a home in someone else name. Hopefully, she learned from her mistake.
The house is in both persons name..So although she didn't put a $$ in the house ..it's technically hers according to law..So she can borrow, sell or evict the lady from it
The Bible clearly states not to trust no man, instead, put all your trust in him… on the other hand, in life, you will need to trust somebody especially if you are elderly.
We Jamaican lack knowledge.Has long as we seem dunce or ignorant to whatever we trying to accomplish.They will always take advantage of use Knowledge is key
Lady Pamela you're a woman of God, God needs you. To give his testimony. I wouldn't like to loose a friend like you.very hard working woman like you deserve better. ❤😢
You can't get 1099 under the table, you cannot get an house without the proper documentation. She was a caregiver, not enough to buy a house. I live that life
Never put a person on the deed unless it’s your husband and wife. I remember when my daughter was closing in her house the lawyer strongly told her not to place Any boyfriend on the deed.
So the problem is because she is titled as self employed the banks are not willing to take the risk of giving her a loan/mortgage so essentially she had to get a co-signer. A lot of Jamaicans work on 1099 especially if they do care work. At this point all the money she has paid into lawyer fees and mortgage she could have saved and be able to purchase without a co-signer. The biggest mistake she made was not having them sign an agreement prior to closing on the house.
Its d norm to assist someone with ur credit i did but i could never do this to anyone. She did a quit claim deed and took my name off 2 years later. Whatever u do come right back later to haunt u.karma is a kicker
Age have nothing to do with buying a house, money is what talk ,not age, u cant discriminate. If u are 99yrs old. U can buy any time once u have money.
That happened to a friend. Her mother was on for 2 percent and she died. All her siblings signed off except for 1 brother who want payment. The thing is the mother had told them that she have no claim to her daughter house it was just for her to get the house. He didn't care.
I know a lady in LA who is going through a similar situation. She needed a co-signer to buy the house so she let her church sister co- sign on the deed. The church sister was to sign over the house after a year. Instead of signing over the house to the lady who has been making all the payments, the church sister signed over the house to her son. Now the son and and his wife is claiming 50% of the house.
Why do these people have to give such details about the situation. I have seen this happen before. You can not put somebody name on your house. Yes, they are devious and wicked you cannot trust anyone. If you can not buy a house in your name do not buy one. You are not telling the truth you were dodging Uncle Sam. With all that lawyer fees, you could pay down on another house.
The only tome me dodge uncle Sam, when I was illegal from 1980-1986. I pay my taxes, never collect a dime from any public assistance. Tax wasn't the issue. Dishonesty, greed is the issue and yes. If you listened you heard me say, "my credit was poor after the first incindent.
@@PamelaFrancis-h1pthen you should not have bought a house. That was a premature thing to do. Person cosign the mortgage is different from putting them on the deed. On the deed is ownership. You gave them ownership.
Lady go to legal aid and put a lien on the house for all your work and maintenance on the house. Don't burn no papers. That's foolish. Also file a case of elderly abuse. God help those who help themselves. Go to legal aid and get help. Slap a lien on the house.
The court rule already. Her name is not on the deed. She was seen as a renter without a lease. She was never the owner. She trusted her friend and family and they tricked her. The investor is actually kind to give her some money to prevent some hardship.
Very interested interview mixup...I really felt it for this lady. It's always nice to hear the other side of the story, which I doubt will ever happen. But when I sat down and listen to this lady interview, she's sound very genuine. God will bring her through, if it was me I would seek legal advice ...Be strong mummy! 😢
This is very heart-rending how some people could do something like this to this woman, miss lady please don't burn up your papers keep them papers safe
It’s unfortunate situation. She just happen to associate with the wrong people. They are all corrupt and devious. Most of the black women have it rough. Sadly. I wish her the best.
She not making any sense the fact that the man had to cosign she can't cuss him because she could now get it without help 😢😅😮 even though she have a 1099 form if she showed enough money but it would cost her more in tax payment 😢😅😮 she wasn't making enough or claiming enough to be qualified for that amount of loan. 😮😢😅
Lady, your ambition is trying to own a property, but instead, you hit rock bottom... big mistake: I never used a co-signer to buy anything. Lady, you should have learnt from the previous misfortune
You were working under the table, and your tax history was poor. You could not buy a house without proof of earning. If your credit is bad, all that would happen is that your interest would be higher. You tried to get around Uncle Sam, and now iare the consequences. I have a friend right now in the same mess.
Guess you didn’t listen properly you were at the back of the class. Uncle Sam a scammer when it come to taxes they set it so u can’t own nothing if u don’t pay taxes even if u r independent contractor but carry on
@@PamelaFrancis-h1p I have my own business here is California and I get 1099 from some of my clients and I give 1099 to some of my workers who I used as contractors I never have any problems getting loans, maybe it’s according to the state law you lived in. Never do business with family friends and especially your own Jamaican.
This poor lady with these evil ppl..this is awful..trust me everything this lady says is true..there is no red flag. .Everything she speaks is very transparent..Just because she needed a co signer in the begini g ..this is VERY VERY SAD..MY GOD
1099 is just as valuable W2 as long as you working 2 or more years . If the man take his name off the mortgage being that she is paying the mortgage on time she wouldn’t need another person. These people are using their credentials to get the house for her that’s why she have no control.
She would not be qualified on her own that is why she needed two co-buyer. When she use other ppl they can own it regardless if they are not paying any bills
Co-signer do not attend closings with out the primary buyer. The Documents should state the percentages if any. So she clearly did not understand what was happening. Big mistakes to put anyone on deed.
Word to the wise, don't be penny wise and pound foolish. She refused to pay the first lawyer the extra $300 dollars and no doubt spoke the that lawyer in an unkind manner so the lawyer took the money from the man and put him as sole owner of the house. He anger at the first lawyer is still costing her today.
