That basically means that if the title changes hands, they get paid first. They want to ensure that the new owner can pay the loan. To eliminate that worry, they make the new owner apply for and get a new mortgage.“As far as liens, encroachments, and the like go, I can send the addresses to my title company and ask them to do a quick search. If there are any, you would either have to accept them, or Zander will have to clean them up,” she explained.“What about value? We have to either reject or accept this deal today,” Mr. Voorhees said.“You don’t have time to do a full appraisal. The best I can do is what’s called a ‘desktop appraisal.’ It’s what banks use to help with loan decisions. It takes recent sales from public records and does a calculation. The only time I have a problem with that type of appraisal is if the home is unique in some significant way. I use it to help make sure we’re getting the value right when listing a home, and I then make adjustments based on location,. There were pillows scattered on the floor arranged around a large Persian rug. The walls were covered with draperies of sheer material in pastel colors and the windows were covered with thick tapestries. It really did look like something from Arabian Nights, and I was smugly pleased with the results."I wondered what Cece was doing here," Sally said. "I didn't remember her calling to say she was coming over." You know Cecilia Washington?" I asked carefully. More of Sally's undisclosed past was coming out, but this was just too coincidental that she would know the new wife of my best friend."Sure! She was my roommate in college for the year and a half I was there. Why?" she said innocently.Oh, Shit!"Oh, nothing," I mumbled. "It's just that, well, Mac and I are good friends, too. I just wondered how come it never came up before."Sally didn't answer, but had what I refer to as her 'Mona Lisa' smile on her face; totally unreadable, but promising depths of intrigue and mystery that would.
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