Manipulate Initials Deed For Free

Mortgage companies and attorneys use a scrivener's affidavit to clarify minor errors unintentionally made on a legal document. Missing items such as a suffix to a name, marital status, a middle initial, or a lot number of an address may be necessary to clarify ownership.

There are several reasons why a name on the house title might not coincide with the name on the mortgage loan. Examples include: One of the buyers from a couple has bad credit or a recent bankruptcy or foreclosure, affecting his or her ability to qualify for a mortgage or causing a higher interest rate.

While each mortgage situation is different, often times it makes more sense to have both names because it allows for two income streams, which ultimately helps you qualify for your loan amount.

When evaluating borrowers for a joint mortgage, the lender cares less about who is listed first, and more about the sum of the applicants' earnings and debts. In general, the lender evaluates the application the way the applicants submit it, without regard to whose name is listed first.

If the trial court finds the grantor intended the deed to take effect at some point in the future, or if the trial court finds the grantor thought the deed would not be effective until some subsequent act was performed, then there was no delivery and the deed is void and ineffective.

What can be construed as a VOID deed? A forged deed. A deed signed by a person determined to be mentally incapacitated. A deed signed by someone who totally does not understand what they are signing. A deed in which the Grantee was typed in without the Grantor's authorization.

Contrary to the law and established custom in other states, the expression ?to have and to hold? (called the ?habendum clause? of a deed) is not necessary, nor are witnesses or seal required. The deed should be dated, but this too is not necessary to its validity.