Backdating – it’s illegal isn’t it?

Compare Refinance Mortgage Quotes Submitted by smith. Hi, my husband and I just bought our first home, a foreclosure. The documents were recorded into Public record in the County in the correct order, but my question is Which date is the legal date of the document, the signed date, or the recorded date which was actually 3 months later? Log in or register to post comments Anonymous Joined: June 8, Second, I live in Texas; so my statements reflect my understanding of Texas law. For a deed to be valid, several things are required.

A Most Generous Deed

The mortgagee takes title to the property subject to existing claims or liens affecting the property, but the mortgage is not merged with the lender’s title to the property. Acceptance of a lieu deed terminates the liability of the borrower and all other persons liable for the mortgage debt unless there is an agreement to the contrary made contemporaneously with the lieu deed transaction.

The terms and conditions under which a borrower will grant and a lender will accept a deed in lieu of foreclosure are highly negotiable and will depend on the relative bargaining positions of the respective parties. Because Illinois, Wisconsin, and Indiana case law on this topic is sparse, an examination of federal case law and case law from other states is helpful.

A Deed of Trust, also known as a Declaration of Trust, is a legal agreement that can be used to specify how a property is held between joint owners.

Copy Originally Published By: We might live in an age of hookup apps and swiping for partners, but a new study shows for relationship success, couples should wait until date eight to do the deed. SWNS Results showed the average person polled would wait until date eight in an ideal world before taking things to the bedroom. The study by Groupon found men feel sex is appropriate at any point from date five onward, but women would rather wait until date nine, on average.

Men were nine times more likely to be OK with sleeping together on the first date 9 percent vs. And while 39 percent will still pucker up if a date has gone well, even more 45 percent say a first-date kiss for them will rarely or never happen. The younger a person is, the more likely they are to smooch at the end of a first date, according to results. But even getting to that stage is far from easy due to the obvious pitfalls of dating: Nearly a third of those polled have had a horrendously awkward time due to the other person eating off their plate, drinking from their glass or telling them what to order.

That might be why one in seven has even escaped a date by pretending to go to the bathroom and never returning. If you do manage to make it past the first date, three days is the average wait before setting up date two, with millennials slightly eager to progress things, averaging under 48 hours. Nearly half of those polled have dated more than one person at a time, and a fifth have dated three or more people at the same time.

Three days out together, three heart-to-heart conversations and two times ordering food in during a typical month should also be what happy couples aim for.

notarization predates deed

Home foreclosure usually is caused by a lien holder on the home’s title enforcing its right to foreclose to collect what it’s owed. Lenders frequently foreclose homes when borrowers default on their loans. Local government taxing bodies also foreclose the liens they’ve attached to the titles of properties in their jurisdictions when owners don’t pay their taxes. Once a home is sold at a foreclosure sale auction, the previous owner’s property rights are ended and the new owner takes title through a deed transfer.

Foreclosure and Deeds How long after foreclosure it takes a home’s deed to transfer to the new owners depends on why and how the foreclosure occurred. In some states, a foreclosed home’s deed may not transfer for a year or more.

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And, to all you Dads out there — be sure you pay close attention and heed these wise words. About Michael Michael Mitchell is an almost thirty-something dad who blogs daily tips and life lessons for dads of daughters at lifetoheryears. He spends his days practicing the arts of fatherhood and husbandry, while attempting to be a man of God and a professional raiser of philanthropic funds.

Treat her mother with respect, honor, and a big heaping spoonful of public displays of affection. Be genuinely interested in the things that interest her. She needs her dad to be involved in her life at every stage. It might as well be you. Rise to the occasion.

Post dating a deed

Despite best efforts, those managing real estate transactions sometimes face the dilemma of what to do about an error in a deed discovered only after completion. Uncompleted blanks or inaccurate cross referencing are not unheard of. Must the solicitor seek consent of all the parties to make and initial a manual correction — with the attendant inconvenience and risk that one party may seek a collateral advantage as the price of its consent?

Or can the solicitor just correct the document, mentioning it to their opposite number merely as a matter of courtesy?

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This is reflected in the Linklaters article Execution of Documents: Five Common Questions Answered , which offers the following advice for in-house lawyers: In the US, however, there seems to be have been much more consideration of the issue at least according to my Google search results. Despite recent controversies surrounding the backdating of executive stock options , the general attitude in the US is that backdating is not wrong or right , per se.

Rather, it is the use of the backdated documents by the parties or their counsel that may violate the law. In the law of contracts, it is elementary that ordinarily a contract speaks from the day of its date, regardless of when it was executed and delivered. It is of common occurrence in connection with deeds, leases and other contracts that, while they are not in effect at all and have no legal existence until delivered, yet, in respect to the date of delivery, they, in point of commencement, relate back or commence in the future.

Post Dating a Deed

Guest Post from The Shy Guy: Dating events can fill many people with feelings of trepidation: Look for any one of these types of people to get into a conversation fast:

Name change on religious conversion. It is common for those converting to a new religion to change their name on conversion. Many wish for a new start on converting, and therefore choose to take a new name that represents their adopted religious beliefs.

Some contracts clearly specify their effective date. If a contract does not specify its effective date, it goes into effect on the date it was signed by the person to whom the contract was offered for a signature. Either is acceptable, provided that both you and the other party intended it. To be clear, having a later effective date does not mean that the contract will not be binding until that later date.

The contract is binding when both parties have accepted the contract. Sometimes courts are asked to determine the effective dates of contracts that are completely undated. In those cases, the courts may look at surrounding circumstances to determine approximately when the contract went into effect. When there is no stated effective date, the contract becomes binding when the party who was offered the contract signs it. The contract may have an earlier or later effective date than the date of signing, but the terms of the contract only become binding when the party offered the contract signs it.

The stated effective date applies the terms retroactively or prospectively. If the contract is signed, but not dated, the contract goes into effect on the stated effective date. If there is no stated effective date, the contract goes into effect when the party offered the contract signs it.

Name change on religious conversion

American Housing Surveys , , , U. Historical objections Before the rise of subprime lending in the s, many buyers who were unable to qualify for traditional financing resorted to contracts for deed. Indeed, for most of the last century, the contract for deed was frequently used as an alternative to a mortgage or deed trust. Today, routine use of contracts for deed persists in some parts of the country. For example, in west central Minnesota, anecdotal information suggests that contracts for deed are a commonly used alternative to mortgages.

They assert that the contract for deed has no place in modern property financing, offers no real benefits over the mortgage, and leaves both parties vulnerable to risk and uncertainty.

I want you all to do a good deed today (whenever you read this post). We all need good karma and we also all need an uplift in our day. Today I went shopping in the mall and while I went shopping I stuck post it notes everywhere with different positive msgs.

Delivery is an act done to evidence an intention to be bound. The court held that where a document bearing a date is proved, it is presumed to have been made on the date appearing on it. But a party may show that it was delivered or executed on a date different from that which it bears. The court held that a deed takes effect from the time of its delivery and not from the day on which it is therein stated to have been made or executed.

Any other written instrument takes effect from the date of execution. Extrinsic evidence is, however, admissible to prove the date of delivery of a deed, or the execution of any other written instrument. It is crystal clear that irrespective of the date on the deed, the deed takes effect on the date the parties agreed to perform an act to evidence an intention to be bound, in other words mere drafting a deed of assignment is proof of the parties intention to be bound.

The presence of date on a deed is a prima facie evidence of date of delivery.

Rowland Hill

Subscribe Join Our Subscribers You’ve got another closing in the books. A month later, your buyer calls you in a panic because they’ve received a letter stating that there’s a problem with their deed. Now you have to scramble to figure out what happened and get things resolved, all while your buyers are freaking out.

Dower is a provision accorded by law, but traditionally by a husband or his family, to a wife for her support in the event that she should become was settled on the bride (being gifted into trust) by agreement at the time of the wedding, or as provided by law.. The dower grew out of the Germanic practice of bride price (Old English weotuma), which was given over to a bride’s family.

No wonder so many people are single. A few years ago, I spoke to a group of high-schoolers about the Jewish idea of love. I’ll define it, and you raise your hands if you agree. Love is that feeling you get when you meet the right person. And I thought, Oy. This is how many people approach a relationship. Consciously or unconsciously, they believe love is a sensation based on physical and emotional attraction that magically, spontaneously generates when Mr.

And just as easily, it can spontaneously degenerate when the magic “just isn’t there” anymore. You fall in love, and you can fall out of it. The key word is passivity. Erich Fromm, in his famous treatise “The Art of Loving,” noted the sad consequence of this misconception: Love is the attachment that results from deeply appreciating another’s goodness. Love is the result of appreciating another’s goodness.

notarization predates deed

Our deeds are prepared by property professionals working in the conveyancing sector with several years experience. We deal with these deeds on a daily basis and can offer you the benefit of our expertise in a compact and effective package. There are numerous variations that can be incorporated into a trust deed making each case unique. We operate a fixed fee service which means you will always be certain of the amount you will have to pay for the drafting of the agreement and will not be asked for any additional fees.

Below are just some examples of the types of provision we can draft for you: The process is a simple one.

Photo Credits can be found at the bottom of Michael’s original post. **9/15/11**This post has resonated so well with daughters and fathers, mothers and grandfathers, and has received many beautiful and heartfelt comments.

The covenant of seisin promises that the seller owns and has title to the property he is selling. In other words, this covenant promises the seller is vested with seisin, meaning ownership. The covenant of right to convey promises that the seller has power to make this conveyance, meaning there are no temporary restraints on his power to sell the property, and he has the right to grant or convey the land to another.

Lastly, the covenant against encumbrances promises there are no servitudes or mortgages on the land that have not been previously disclosed. Future Covenants There are three future covenants: The covenant for quiet enjoyment promises that the buyer will not be disturbed by another party’s claim to the title. The covenant of warranty is a promise by the seller to defend the buyer should there be any lawful claims of title asserted by third parties.

Lastly, the covenant for further assurances is a promise by the seller to perform whatever future acts are reasonably necessary to perfect the buyer’s title if it later turns out to be imperfect.

Who Has To Sign A Deed?