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Q: I was laid off from my job and am collecting unemployment. I'd like to refinance my mortgage to lower my payments. However, all the lenders I've contacted say I can't because unemployment doesn't count as monthly earnings. This means I'm missing out on saving money when it really matters. Is there any way around this?
A: There likely is, but it's not by refinancing. Instead, what you should immediately do is contact your current mortgage lender and ask what they can do to accommodate your current situation. Most large lenders have borrower counseling services, says John Lawrence, who manages that department for Wells Fargo Home Mortgage.
For example, Wells Fargo allows borrowers who are financially strapped because of a major setback such as job loss, illness or divorce, to defer or reduce payments for 90 to 120 days "depending on their financial situation and how much of a burden (their mortgage payment) is going to be to them," Lawrence explains.
During this time, missed or short payments are not reported to a credit bureau "because we're working proactively for a solution." Once the borrower is back on the job, it may be possible to restructure the loan to put the missed amounts on the end of it. It may also be possible to readjust the interest rate downward without refinancing. This depends on the individual situation, Lawrence says. "For example, in the new job they may be making less. They can still make their payment, but they need a little bit of a break for that."
If after 120 days the homeowner is still unemployed, Lawrence says he'll continue to work with them — perhaps even aiding them should they need to sell so they can relocate. The bottom line is that no lender welcomes the work and expense of foreclosures. Thus it's easier on everyone "to help them keep their home and maintain their payments," he says.
Q: A real-estate agent in my area buys up fixers, remodels them and sells them. He has a financial partner. They never live in these houses. I believe this agent is benefiting from his inside track on the market. Is this illegal or unethical? He works for a large firm and also sells other houses.
A: What you're talking about is a long-standing practice within real-estate circles. It may or may not breach laws and ethics codes, depending on how the agent handles it. The state's Department of Licensing licenses real-estate agents and oversees their legal obligations.
This agent's conduct is legal as long as he discloses to the seller that he's a real-estate sales person, says Marie Sullivan, DOL spokesperson.
As for the agent having an inside track on neighborhood deals, "that kind of comes with the profession," Sullivan adds. "Clearly the real-estate sales person is going to know before the general public, but there's nothing illegal about that."
Additionally, the Washington Association of Realtors has an ethics code. Janet Ruddick, the association's member-services director, also says disclosure is the key. If "all parties understand that the realtor is purchasing it himself" then there's no ethics violation.
Q: I'm installing separate water meters on my Seattle duplex. If I don't raise the rent, but instead charge my tenant a surcharge for water/sewer usage above a set amount, do I have to abide by that 60-day notice rule? My tenants are month to month.
A: The rule you're talking about is Seattle's Rental Agreement Regulation Ordinance. It requires landlords of rental properties within Seattle city limits to give tenants 60 days' notice whenever "total housing costs" increase 10 percent or more within a year. Thus attorney Christopher Benis says your answer "is clearly yes" because billing your tenant for extra water has the potential to up costs significantly if the tenant doesn't conserve (or even if the tenant is somewhat prudent, but you've already raised the rent in the past year so the total increase now may meet the 10 percent threshold). Benis, who helped write the ordinance, is with Harrison Benis & Spence.
Benis advises you to be very precise in giving this notice. It should spell out what base amount of water is included in rent, and how, when and to whom the rest will be paid.
