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Changes in loan terms during or after closing. Normally, a buyer in CA inherits the sellers tax basis and a supplemental tax bill that the buyer pays in the first year adjusts the sellers basis to the buyers basis. When a buyer takes an impound account for taxes, the originating lender should adjust for the actual basis, not retain the sellers basis ( which is often lower ). What Bethpage did, and escrow permitted here, was for us to inherit the sellers SELLERs XXXX basis, which was only {$1000.00} per year ( {$88.00} per month ). This borders on negligence because they all knew our impound account would get slammed with an adjustment at a day in the future. So we closed in XXXX of XXXX, for a 7 year fixed loan, with a monthly mortgage price of ~ {$5400.00}. A year and half goe