Depending on what state you are in you should be able to refinance the house yourself. I would consult the new mortgage company you plan on going to and advise them that your grandmother is on the deed sometimes it doesnt even matter and you should be able to go through with everything.....Good luck!
Since you are both on the loan you are both on the title. You can refinance without them on the loan but would need them to sign the title over or transfer at close.
of course since you are using their income. of course since you are using their income.
In many states, there is a discounted refinance rates for the premium. Ask the title insurance agent who is doing the new Mortgage Policy if you qualify for a discount. There are no discounts that I know of, on an Owner's Policy, since when a new Owner's Policy issued, it means the property and chain of title, has transferred hands.
You would be convicted since you were not there to defend yourself.
Not really. Since the Guard is part time, it is up to your full time employer or yourself to maintain health and dental insurance.
Depends, if a tree falls on your car and you pay for damages yourself then no. If another party is involved in the accident then yes. The reason being is even if you don't report your damages on your insurance the other party may report to theirs. The data from the accident is then reported into the CLUE insurance database and will cause your rates to raise since the database 'sees' that you were involved in an accident. Bottom line, it's best to report to your insurance yourself and let them pay out since you're going to feel the pinch anyway.
Health insurance allows you to go to the doctor and to the dentist without having to pay a lot of money for your visits. Finding the right health insurance can be easy, especially since you can use the Internet to shop and compare different brands and insurance rates. Be sure to keep yourself on a tight budget when it comes to buying any type of health insurance for yourself or a family member.
Getting a refinance auto loan can be hard or easy for some people, because it depends on your credit status. If your credit score has improved since your last car purchase, you have great chance of getting approved for a refinance auto loan.
Since you are the business owner, you are considered an independant contractor, and therefore not eligable for workmen's compensation...ie you can not sue yourself.
You need insurance to protect yourself from a lawsuit by private people. Since you are not dealing with vendors they nobody will probably ask you to see a copy of your policy but without insurance you are not covered. The answer would basically be the same to "do I need Homeowners insurance if i don't have a mortgage".
You need to contact your current mortgage lender to apply for this type of refinance. Since it is only a modification of a current loan, they will need to be the ones you go through.
If you were claimed by your grandmother on her income taxes that would classify you as a dependent.