THE FORECLOSURE PAPERS FILED IN; (2008), COURT WAS THE 1ST TIME I SAW ANYTHING ON EITHER PROPERTIES. ON THE PAPERS FILED, THERE WAS A NOTARY SEAL NOTARY SIGNITURE, AND 3 WITNESS SIGNITURE(S). BUT NO WAS AT THE CLOSING BUT MYSELF, THE MORGAGE BROKER, AND A FRIEND WHOM I BROUGHT WITH ME. THESE PEOPLE WAS NOT AT THE CLOSING, TO WITNESS MY SIGNITURE.

I HAD BOTH MORGAGE(S); (BASED ON THE INTIAL LOAN PACKAGE, THEY GIVE YOU PRIOR TO CLOSING), LOOK OVER BY CLA (COMPREHENSIVE LOAN AUDITING); THIS COMPANY IS A FORENSIC MORGEAGE AUIDTORS. THEY FOUND 27 VIOLATIONS, WHICH INCLUDED (7) TILA VIOLATIONS.

IN OCT. 2011, CHASE CALLED ME AND OFFERED ME 20K, TO WALK AWAY. AFTER IGNORING THEM, A MONTH LATER THEY SENT ME A FORGIVNESS LOAN PKG. I RECEVED THE FED EX, 3-DAYS AGO, WITH A HURRY UP AND SIGN SIGN BEFORE THANKSGIVING 2011, OR THE OFFER WILL BE WITH DRAWN.

THE OORIGNAL MORGAGE WAS SUPPOSED TO BE 260K, BUT UNKNOWN TO ME AT (AT THE TIME OF CLOSING), THERE WAS 2ND MORTGAGE ADDED, BRINGING THE MORGAGE TO $332K. NOT RECEIVING MY CLOSING PAPERS, I WAS CURIOUS AS WHAT THE COUNTY HAD ON FILE FOR MY PROPERTY. THAT’S WHEN I FOUND OUT THE TRUE AMT. THE MORTGAGE WAS FOR.

THE FED EX HURRY UP AND SIGN, PAPERS HAS A DEADLINE. THEY ARE OFFERING TO REDUCE THE MORGAGE FROM 259K TO 97K, A WRITE OFF OF 161k. I WAS TOLD THIS FINAL OFFER WAS NON-NEGOTIBLE. THEY WILL BE REPORTING THE $161K(DIVIDED BY 3), TO THE IRS I VIA 1099″S.

I ASKED THEM COULD I COUNTER OFFER, BECA– USE THE COUNTY APPRAISED THE PROPERTY 83K OR 87K. WHY CAN’T YOU YOU WORK THIS OUT TO THE APPRAISED VALUE. I WAS TOLD BY CHASE THEY HAVE THEIR OWN APPRAISER, AND THEY SAID THE PROPERTY IS WORTH 97K

I AM REALLY STUCK, I AM WRITING THIS EMAIL OR A FRIDAY NIGHT;(11/19/11 AT 2:00AM, CAN’T GET TO MY ATTORNEY OVER THE WEEKEND; (IF AVAILABE BY MONDAY OR TUESDAY. CHASE IS NOT ACCEPTING POSTMARK DATES. I WAS TOLD THEY MUST HAVE THE PAPERWORK BY FRIDAY 11/25/11 OR THE DEAL IS OFF THE TABLE.

THE 2ND HOME OF WHICH I LIVE IN, WAS PURCHASED FROM THE MORGAGE BROKER; ( IT WAS HIS HOME). THIS PROPERTY HAS BEEN BROUGHT AND SOLD 4X’S. FIRST MAGMUS, THEN HOMECOMINGS, THE LEMAN BOS, AND NOW DEUTCH BANK; (WITH AURORA LOAN SERVER). I NEVER RECEIVED THE SOLD TO NOTICES AS REQIURED WITH IN 10 DAYS BY LAW.. THIS IS MY PRIMARY HOME.

BOTH PROPERTIES WENT INTO FORCOSURE, AND THANK GOD, THEY BOTH LOST THEIR CASES. I HAVE NOT HEARD FROM DOUCH BANK SINCE 2009,WHEN THEY LOST THEIR CASE. HMMM, THEY ARE VERY QUIET.??? NO OFFERS NOTING, NAH-DAH- ZERO.

THE FORECLOSURE WAS REVERSED, BECA– USE DOUCH BANK DID NOT NOTIFY ME OR MY ATTORNEY. BUT THERE NAME IS STILL ON THE PROPERTY AS OWNERS. I KNOW I CAN HAVE THERE NAME REMOVED, BY TAKING THE COURT ORDER TO TO THE PROPER DEPT. BUT SHOULD I LAY QUIET AND WAIT, BEFORE I POUNCE. OR CAN THIS HURT ME, AND MAKE IT EASIER FOR THEM TO WIN IF THIS FORECLOSURE COMES UP AGAIN??

MY ATTORNEY DID ADVISE ME BACK IN FEB 2011, TO WAIT FOR THE LENDERS TO REFILE, UNTILTHEN THERE IS NOTHING TO FILE FOR OR AGAINST. SO I WAIT, AND WAIT, AND WAIT.

THIS OFFER FROM CHASE SOUNDS GOOD. BECA– USE I HAVE TENANTS IN THE CHASE PROPERTY. I REALLY WANT THEM TO BE COVERED.

PLEASE ADVISE, NEED GOOD ADVISE. WHAT SHOULD I DO.???????????????

HAS THIS HAPPENED TO ANYONE ELSE?

THANKS SO VERY MUCH FOR THIS WEBSITE. GOD BLESS YOU.

PS. GOOD NEWS TO EVERYONE.

MBIA INSURANCE CORPORATION IS SUING RESIDENTIAL FUNDING COMPANY, LLC, FOR APPROVING LOANS WITHOUT INCOME VERIFCATIONS. THIS CASE IS IN PENDING IN THE SUPREME COURT OF THE STATE OF NEW YORK

This isn’t a point of worry if the servicer/trustee has unbroken chain of title or if they will reconvey the original deed. I would NOT however modify using a subordination agreement as the original amount isn’t “closed out”, but left hanging on title. If you don’t know what you’re doing, hire a lawyer, because the banks could screw a homeowner pretty bad if the chain of title was broken, there’d essentially be two holders of deeds once the original lender tracked down the paper work. This smells bad.

wheresthenote.com. You can get a form to fill out to send your lender asking for the qualified RESPA request. I think they have 30 days to respond. Keep in mind it is only a copy. They never recorded the Originals and they destroyed them, and that is fraud.

Rob my last comment somehow ended up on top.

Rob, It is a very complicated mess. I was even told that by an attorney. The thing is trust is the key word. It is difficult to trust any of these attorneys. I am just not going to walk away and let them steal our property even if I do get my house. What kind of an American would I be? We all know this is the biggest land grab in U.S. History by the foreigners. I am not going down without a fight. Did you ever ever see the Chris Whalen video interview with Bloomberg News called Foreclosuregate is a Cancer? He said that it is the commercial property to, they never perfected the collateral lien on the commercial property either. I thought maybe since I found all of this fraud and I know they don’t have the proper docs and they altered docs after the sigining and it is bad, they might just want to settle out of court.. The judge is not going for any of their crap in his courtroom. I have seen it first hand. That is why they changed servicers I believe after they filed for fraudclosure. Changing servicers does not change the facts, they committed massive fraud in my name and my husbands name and there is no covering it up. You are right though, what they did with the house is really criminal I beileve. Maybe we will have to file an appeal. Thanks for your input!

I Vent, What a mess! My God! Think I would hire a professional…………one you can trust……..but, that is what I did anyway.

I am sorry I am probably making you feel dizzy. The com prop was also in MERS, though they hid it, but I found it. The erased it i believe from the recorder of deeds but I have 4 copies.

Rob, An attorney already told me they can’t cross collateralize.. . It shows up as a $340,000.00 lien on my house and the com prop. titles The assignment was released but it was in my name and I never signed it. There is a ton of fraud here.The loan originator is a failed bank and they recorded the release of mortgage to us one year after the mortgage was recorded from the bank we refied with. There is no secure lien. That cross was fraudulent. After the foreclosure lis pens was recorded the refi bank “sold” the loan off to another servicer who said this loan is now in a Remic trust. They can’t do that either. A non-performing loan can’t be put in a Remic. The “new” lender sent me a bogus assignment they attached themselves to the old assignment. An attorney told me they are lying, the new pretender lender is the same bank. Neither loan was securitized. I have the deed in trust for the com prop and the pretender lender told me they want my deed. Do you feel you have vertigo yet?

Or how about MERS just transferring loans from here to Uranus without needing any docs…………..is why they were a created entity. EMPTY ENTITY…….STRAWMEN!