Request for 'more' evidence that we don't have. Help!

[Cheezees 1,514]

Boarding passes and club memberships would be good in light of your situation. In your first post you stated that car insurance was separate. Is it in fact joint? If it is, then that's good news. Taxes are great evidence! Phone bills are very weak, it just shows that someone was on your phone plan.

Sorry, but a quick read of pages 2 and 3 of the Instructions show that you did not give them much evidence. There is no proof of joint occupancy and/or ownership of your communal residence. (No. 2) You have scant financial records showing joint ownership of and joint responsibility for liabilities - installments for the mortgage, credit cards and cars would have been perfect. You did not even submit tax returns. That's 4 missing big ticket items. You could not have given them what they were asking for because in fact you DO NOT HAVE what they are asking for (minus the taxes).

Again, gather as much as you can. Personally, I was relieved that you had joint tax returns that you can submit.

[Ban Hammer 13,589]

Is there a reason why she is not listed on the mortgage? She has all the proper documents now... Why aren't you both on the deed?

I'm sorry, I just can't understand why she's not on anything if you are both married!

ran into that myself - it's not as simple as just add their name. it may require a refinance.

one additional note - please refrain from using profanity any further in the thread. thanks.

charles

vj moderation

Edited June 28, 2013 by charles!

[Darnell 8,479]

ya, redoing the main deed is a problem, usually, as the mortgage company holds first lien.

So when redoing a deed, the mortgage company wants to be certain they are still listed as first lien holder,

and then usually they will say 'oh ! 2 deed holders? lets redo the mortgage for both names'

and that's a problem for someone just in the country with a freshly issued SSN and no credit history,

as it'll bump the rate and increase the monthly payment amount.

Getting a side deed added is less problematic and only requires 1 day at the county registrar's office. Not all states allow for it, so you (O Gentle Reader) have been warned.

[Em Z 3]

Ahh... Didn't know it would be a huge issue.

But now I'm confused... You said you didn't have car insruance together....