In fact, my HELOC balance has dropped down again and I was considering making another payment to the mortgage, but with holiday travel and gifts I'm going to hold off and do it in the spring.)Payoff date Jan 2024Projected interest savings $203,000The things I keep coming back to are not the interest rates and how I'm saving money over 30 years instead of 5 and all that, but the fact that $10,000 was COSTING me $20,000 in interest to pay in the old way and about $1200 in interest to pay in the new way and that all my income is going toward paying down the HELOC whereas just a portion of it was going toward paying down the mortgage.

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.

It's a rare gift.  

The 1.6 acres was gifted to us and we will eventually inherit a 110 unit facility next to our lot.

My mother is being gifted a parcel of her family land near Charlotte, in Union county.  

I've seen a few of these cases, so I'm guessing attorneys are behind this practice) Do these people really have a chance to pass deed to 3rd party as a gift regardless of home being foreclosed at auction?

Gift money from family.

We would honor you transferring the package to another unit if you would like or gifting to someone.

the only thing that is acceptable is a small gift cert to starbucks .. what they do however is they can have marketing agreements were Advertising is shared ..

If I get gifted a car am I lowballing them?