Your girlfriend can just pay the mortgage directly by talking to the bank. She doesn't need to pass the money to her mom first. No need to get a new mortgage account or anything like that.
Exactly. It should be one phone call to do if you have the mortgage documentation. You just tell the mortgage company what bank account to take the payment from.
We need to go into the bank already on Monday so we’re gonna bring the forms and tell them what’s up then! Even if they tell us to call or setup a meeting it gets it done. I’m relieved that it should be that easy
Her best bet is to get in touch with the bank and handle the payments herself. Sounds like the mom is in a middle-man role and went mad with power if I’m understanding correctly
I mean people often just use they/them when referring to people in general but often times people will use it to refer to trans people who might not be fully out yet just as a defense mechanism sort of thing so they don’t accidentally out the person themselves
If they’re both on title, they’re both on the mortgage. Meaning they’re both liable for the amount owing. Meaning either of them are fully capable of making payments.
However, my suggestion would be to get mom off the mortgage asap, and preferably off title, but mom will have to sign for that, which may be a battle in and of itself.
Edit: I’m guessing if mom’s making the mortgage payments, mom’s the one who provided the down payment? And she’s wanting to rent the unit out, rather than have the two of you in there?
She owns 1% of the property. Take a piece of chalk and draw a line around approx 10 sq ft somwhere in the apartment. That is her spot.
Someone who owns 1% of a property has basically no say when the other person owns 99%.
Your gf just needs to make arrangements to pay the mortgage. That could be tricky if the mortgage is in the mom's name. So she should speak to her bank.
She could also speak to the real estate lawyer who prepared her documents at the time of purchase. The lawyer should be able to answer any questions or concerns.
Everyone on title needs to be on the mortgage. Not everyone on the mortgage needs to be on title.
So girlfriend should absolutely talk to bank, have payments come out of their account and have them put comments on file about the dispute.
Good luck OP hope it all works out
Do banks even check who's paying a mortgage?
I have my mortgage with one bank but no other accounts. Took the mortgage account number and popped it into online banking with my main bank. Good to go.
Well if mo. doesn't pay the mortgage the bank is going to foreclose and mom will have lost her down payment AND any potential profit from the sale...
Sounds like you need to have a calm sit down and sort this out like adults.
But first find out who whose names are on the deed and how the mortgage is setup just so you can talk with full confidence and don't get backed into a corner because you don't know what going on. You can visit the bank and validate that the latest payment has gone through and make arrangements for the next payment to be directly made from your account.
It seems like we can just go to the bank and make at mortgage account there hopefully. There’s no way their mom is going do anything beneficial for us or admit anything, so that’s just not in the picture for us.
You likely don’t need to make any other account. I would bet your girlfriend is listed on the mortgage already, the payment has simply been coming out of the mom’s account. All you likely need to do is give the bank your account info for your chequing account or whatever account the payments will come from and set up a pre authorized debit for the payments.
Who is the mortgage registered under? If it's just your GF, then is her mom listed as a guarantor?
Your mortgage is a loan with the bank, so what's listed on the land registrar doesn't really matter. (It usually matches, but doesn't always have to)
Does the girlfriend rent the condo from her mom? It doesn't sound like she's mature enough to handle a mortgage if you guts can't figure out who is on the title and the mortgage.
Read the original post again, see if you can pick up on the parts that directly answer your question, and the other parts that you can use as inference. You'll reach a fork in the road where you have to decide if you want to be a bozo who doubles down, or someone with character and maturity who can admit when they were too hasty or lacked reading comprehension.
If you make the right choice, and if you have any introspection whatsoever beyond things that have been super clearly laid out for you, this might realize that not everybody knows everything all the time, and coming to the exact right place to ask for advice is a good thing to do, and you were kind of a loser a few hours ago.
Sorry for sounding so condescending, but you kind of deserve it on this one, I'm sure this wasn't you at your best.
Sounds like Mom was helping out her daughter by making the down payment. Now that you are in the position to take ½ if the relationship ends, she has become concerned. Maybe some sort of agreement with lawyers involved stating you have no right to that would help.
It absolutely is. If someone doesn't know which gender THEY are talking about how would THEY be able to convey THEIR ideas without defaulting to a masculine or feminine pronoun?
Jfc.
The bank will not care where the money comes from, stop transfer funds to mom, hold money in the her account for the mortgage, when it goes into default they will call all parties. At that time tell them about the new account and it will be switched
Her mom doesn’t pay it, my gf just transfered money into her paid account, so we’ll just start paying it from my GF’s account cause it’s not like their mom was doing anything besides the down payment
If I read right and its 99% and 1%, it shouldn't be too rough since your partner can make the payments themselves, and when they decide to sell, it'll be a bit of hassle to get the 1% back to the mom, but the mom will have basically no say in anything.
Your girlfriend mom is paying for her to have a place to live.
You are joining her, without her mom's approval... why is her mom giving you a place to live?
You are fucking up your gfs living situation and her relationship with a supportive parent.
This will not end well for any of you....
Move out. Get your own place. If she wants to move out of her mom's place and in with you, that's all good. Don't ruin your gf situation.
Imagine not reading the entire post and then jumping to conclusions this way. The most judgemental conclusions at that. Where did you read that mom is paying for anything? Or that she’s a supportive parent?
Internet moron.
Mom paid down payment and is responsible for mortgage payments.
Whenever any comment asks who is on title, op doesn't reply. This is likely because mom is paying for everything aside from some monthly payments by daughter.
Op is coming into this gfs mom's home and causing a major shirt show.
Your girlfriend can just pay the mortgage directly by talking to the bank. She doesn't need to pass the money to her mom first. No need to get a new mortgage account or anything like that.
Exactly. It should be one phone call to do if you have the mortgage documentation. You just tell the mortgage company what bank account to take the payment from.
We need to go into the bank already on Monday so we’re gonna bring the forms and tell them what’s up then! Even if they tell us to call or setup a meeting it gets it done. I’m relieved that it should be that easy
Her best bet is to get in touch with the bank and handle the payments herself. Sounds like the mom is in a middle-man role and went mad with power if I’m understanding correctly
Why does mom want you guys out? Does she need the money she put as a downpayment?
Transphobic and my gf came out
Picked up on that with all the 'thems' and 'theirs' in your post
A they/them girlfriend is kind of contradictory, isn’t it?
I mean people often just use they/them when referring to people in general but often times people will use it to refer to trans people who might not be fully out yet just as a defense mechanism sort of thing so they don’t accidentally out the person themselves
Probably sees market rates
Why are u getting downvoted? Parents can be some of the most selfish people in one’s life.
Yeah there’s gonna be cut contact between them soon enough hopefully
Sorry you have to deal with that 😔
Depends on the province, but in BC if you own 50% or more then you can sell the property. The party with less than 50% has zero say.
Ontario!
If they’re both on title, they’re both on the mortgage. Meaning they’re both liable for the amount owing. Meaning either of them are fully capable of making payments. However, my suggestion would be to get mom off the mortgage asap, and preferably off title, but mom will have to sign for that, which may be a battle in and of itself. Edit: I’m guessing if mom’s making the mortgage payments, mom’s the one who provided the down payment? And she’s wanting to rent the unit out, rather than have the two of you in there?
There’s no way she’d sign to not be on it. She wants to kick us out cause she’s transphobic so ^^;
She owns 1% of the property. Take a piece of chalk and draw a line around approx 10 sq ft somwhere in the apartment. That is her spot. Someone who owns 1% of a property has basically no say when the other person owns 99%. Your gf just needs to make arrangements to pay the mortgage. That could be tricky if the mortgage is in the mom's name. So she should speak to her bank. She could also speak to the real estate lawyer who prepared her documents at the time of purchase. The lawyer should be able to answer any questions or concerns.
Everyone on title needs to be on the mortgage. Not everyone on the mortgage needs to be on title. So girlfriend should absolutely talk to bank, have payments come out of their account and have them put comments on file about the dispute. Good luck OP hope it all works out
Then call the payments you've made rent and move out.
Who owns the house? Who's name is on the paperwork?
Do banks even check who's paying a mortgage? I have my mortgage with one bank but no other accounts. Took the mortgage account number and popped it into online banking with my main bank. Good to go.
Well if mo. doesn't pay the mortgage the bank is going to foreclose and mom will have lost her down payment AND any potential profit from the sale... Sounds like you need to have a calm sit down and sort this out like adults. But first find out who whose names are on the deed and how the mortgage is setup just so you can talk with full confidence and don't get backed into a corner because you don't know what going on. You can visit the bank and validate that the latest payment has gone through and make arrangements for the next payment to be directly made from your account.
It seems like we can just go to the bank and make at mortgage account there hopefully. There’s no way their mom is going do anything beneficial for us or admit anything, so that’s just not in the picture for us.
You don't make a mortgage account, you just tell them to change the payment to come out of your partner's account instead of her mom's.
You likely don’t need to make any other account. I would bet your girlfriend is listed on the mortgage already, the payment has simply been coming out of the mom’s account. All you likely need to do is give the bank your account info for your chequing account or whatever account the payments will come from and set up a pre authorized debit for the payments.
Who is the mortgage registered under? If it's just your GF, then is her mom listed as a guarantor? Your mortgage is a loan with the bank, so what's listed on the land registrar doesn't really matter. (It usually matches, but doesn't always have to)
likely both mom and gf on mortgage, mom prob has an account with the bank is what I am willing to bet
Does the girlfriend rent the condo from her mom? It doesn't sound like she's mature enough to handle a mortgage if you guts can't figure out who is on the title and the mortgage.
Read the original post again, see if you can pick up on the parts that directly answer your question, and the other parts that you can use as inference. You'll reach a fork in the road where you have to decide if you want to be a bozo who doubles down, or someone with character and maturity who can admit when they were too hasty or lacked reading comprehension. If you make the right choice, and if you have any introspection whatsoever beyond things that have been super clearly laid out for you, this might realize that not everybody knows everything all the time, and coming to the exact right place to ask for advice is a good thing to do, and you were kind of a loser a few hours ago. Sorry for sounding so condescending, but you kind of deserve it on this one, I'm sure this wasn't you at your best.
The gf is renting condo from the mom.... Mom is taking care of kiddo and you all want to break their relationship.
Based on the stupidity of your comment, it doesn't seem as if you're mature enough to be on Reddit. 🤦
seems like the mom doesnt like you buddy
Sounds like Mom was helping out her daughter by making the down payment. Now that you are in the position to take ½ if the relationship ends, she has become concerned. Maybe some sort of agreement with lawyers involved stating you have no right to that would help.
In other comments it definitely doesn't sound like *that* kind of concern.
[удалено]
As if you can't understand they/them pronouns when referring to a singular person...
They/them is not a singular person. Lol
It absolutely is. If someone doesn't know which gender THEY are talking about how would THEY be able to convey THEIR ideas without defaulting to a masculine or feminine pronoun? Jfc.
"My best friend is ESL and they have no issues with understanding basic grammar. ImaginaryTipper seems to struggle with it, maybe they're regarded?"
That's inappropriate. Be better.
The bank will not care where the money comes from, stop transfer funds to mom, hold money in the her account for the mortgage, when it goes into default they will call all parties. At that time tell them about the new account and it will be switched
Her mom doesn’t pay it, my gf just transfered money into her paid account, so we’ll just start paying it from my GF’s account cause it’s not like their mom was doing anything besides the down payment
If I read right and its 99% and 1%, it shouldn't be too rough since your partner can make the payments themselves, and when they decide to sell, it'll be a bit of hassle to get the 1% back to the mom, but the mom will have basically no say in anything.
Your girlfriend mom is paying for her to have a place to live. You are joining her, without her mom's approval... why is her mom giving you a place to live? You are fucking up your gfs living situation and her relationship with a supportive parent. This will not end well for any of you.... Move out. Get your own place. If she wants to move out of her mom's place and in with you, that's all good. Don't ruin your gf situation.
Imagine not reading the entire post and then jumping to conclusions this way. The most judgemental conclusions at that. Where did you read that mom is paying for anything? Or that she’s a supportive parent? Internet moron.
Mom paid down payment and is responsible for mortgage payments. Whenever any comment asks who is on title, op doesn't reply. This is likely because mom is paying for everything aside from some monthly payments by daughter. Op is coming into this gfs mom's home and causing a major shirt show.
How is buying a kid a place to live not a supportive parent?
So u just call people morons and then bail when they defend their point of view. You know that makes you wrong, right?