Start with a Qualified Written Request to your SERVICER (not the owner – it is the servicer that has to reply to your questions or you can sue them for statutory damages). Ask your servicer (the one who collects your monthly payments) who owns your loan. Google Qualified Written Request. Don’t harass them with overly broad demands, but let them know you would like to know the true owner of your loan is.Ask for a true blue ink copy of the original mortgage with endorsements and give them a reason why you need this information (to negotiate a modification with the OWNER, not the servicer…so you need to know who the owner is). Ask what trust your mortgage is with. Have you been in default/ late for three months at any time? Check your local clerk of court records — check if there has been an assignment of mortgage. This is really important cause it means your loan has been transferred in order to start foreclosure. This is where the banks are starting to lie to you. They only want to “own” your loan in order to foreclose. If they don’t foreclose, they deny owing your loan so they don’t have to be responsible to include you in the settlement. Are you a veteran? That would help. Either way – I think a qualified written request is always a good start to know where your are at and who really owns your loan. That gives you power to negotiate. Good luck to you!

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