Does my spouse have to be on FHA loan?

Can my spouse be on the mortgage but not on the title? The FHA guidelines are clear that if a spouse is on the mortgage, then they must be on the title. Therefore, if you prefer to have just one name on the title, then you will need to have just one on the mortgage as well.

Can I get a loan without my spouse knowing?

You can apply for a loan in your own name after you’ve married without involving your spouse at all. There is no legal requirement for married couples to apply for financial products together. The spouse with the better score should apply for financing on her own in order to secure the best interest rate.

Can a bank cash out a savings bond?

This has to do with the fact savings bonds are registered securities. The U.S. Department of Treasury explains that, when creditors present savings bonds they have gained via a valid garnishment order, the bank, which is not authorized to cash savings bonds for creditors, is supposed to send paper savings bonds to the Division…

Can a power of attorney be used to redeem savings bonds?

I also am an heir to her estate and was told that my power of attorney becomes void upon her death. I am not the executor of her will in another state and the attorney advised me to liquidate her assets to avoid probate. I took the savings bonds to my bank to redeem them, but they told me to mail them to the U.S. Treasury.

Do you have to pay taxes on savings bonds?

Keep in mind that your aunt will owe income tax on the interest earnings, so some of the proceeds will be needed to pay those taxes.

Is there a way to defer interest on savings bonds?

You could effectively reinvest that money, redeeming the bonds then using the proceeds to purchase Series HH bonds. You could then continue deferring the interest on the principal. Unfortunately, the U.S. Treasury no longer issues Series HH bonds so this option is no longer available.