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mopinko

(70,020 posts)

5. i'm not. 6 months after closing on a mortgage

Mon Aug 12, 2013, 04:02 PM

Aug 2013

i got a letter saying that we had failed to sign our note at the closing and would we please sign the enclosed and return it.
i'm just letting it sit to see if they cry when they have to call and beg.

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Your mortgage documents are fake! [View all] silvershadow Aug 2013 OP

Several of us posted a LOT about this since 2008.. dixiegrrrrl Aug 2013 #1

Why aren't the Title Insurance companies all over this? Spitfire of ATJ Aug 2013 #2

By accepting it, they get paid. It's for our own good, you know. n/t jtuck004 Aug 2013 #9

You should see their files. Land records going back to 19th century Indian treaties on some land. Spitfire of ATJ Aug 2013 #10

When we got access to our in Oklahoma, it had a clause that jtuck004 Aug 2013 #16

What gets me are descriptions where the borders are defined as "..from the big rock on the hill..." Spitfire of ATJ Aug 2013 #20

Georgia's like that. Northern Florida. The Carolinas. DirkGently Aug 2013 #59

Sounds like the directions they give in New England.... Spitfire of ATJ Aug 2013 #61

They aren't involved in foreclosures. jeff47 Aug 2013 #24

Title Insurance companies keep duplicate records on file with the Recorders Office.... Spitfire of ATJ Aug 2013 #26

Which is why title insurance companies are used when homes are purchased jeff47 Aug 2013 #46

Actually, they tried to claim the house wasn't actually OWNED by ANYONE as long as it was bundled... Spitfire of ATJ Aug 2013 #47

That would be the reason to not foreclose. jeff47 Aug 2013 #48

That didn't matter to the other instrument they were peddling.... Spitfire of ATJ Aug 2013 #49

Spitfire of ATJ, as I understand, the Title companies have a work around on securitization fail. ms.smiler Aug 2013 #25

This is why they should be all over this.... Spitfire of ATJ Aug 2013 #27

The Title industry along with the banksters set up the MERS system. ms.smiler Aug 2013 #28

MERS should be declared illegal. Spitfire of ATJ Aug 2013 #29

Spitfire of ATJ, rather than illegal would you be satisfied with unlawful? ms.smiler Aug 2013 #30

I can see the lawyers claiming government has no role over commerce. Spitfire of ATJ Aug 2013 #31

The big banks have made a mockery of private property rights. And they are getting away with it. reformist2 Aug 2013 #3

Bingo... Triana Aug 2013 #8

"Move along. Nothing to see here. Smirk." - Banksters, Inc. (R) Berlum Aug 2013 #4

i'm not. 6 months after closing on a mortgage mopinko Aug 2013 #5

Did you throw a mortgage burning party? Spitfire of ATJ Aug 2013 #11

apparently i should. mopinko Aug 2013 #17

And at the end of the day, what will come of this? Javaman Aug 2013 #6

The president of LPS/DOCx copped a plea half a year ago and went to prison for decades Kolesar Aug 2013 #22

That's one in a row. Javaman Aug 2013 #23

"no one will go to jail" Kolesar Aug 2013 #33

And like I said, "that's one in a row"... Javaman Aug 2013 #34

don't you find it interesting that the ONLY person to go to jail for this is a woman? niyad Aug 2013 #38

This message was self-deleted by its author Javaman Aug 2013 #41

Old news. Deny and Shred Aug 2013 #7

This is why I filed a Quiet Title on my property. ms.smiler Aug 2013 #12

something ummm interesting azurnoir Aug 2013 #14

Azurnoir, is your mortgage a MERS mortgage? ms.smiler Aug 2013 #18

Neither Fannie Mae or Freddie Mac has my mortgage azurnoir Aug 2013 #19

I have never been able to understand the mortgage market pennylane100 Aug 2013 #15

Pennylane100, oh, the mortgage market is more complex and convoluted now than any other time in ms.smiler Aug 2013 #21

OK, I'm Confused... ChiciB1 Aug 2013 #42

Okay, I Did The Search, Sooooooooo ChiciB1 Aug 2013 #43

ChiciB1, your stress level should be low. Either you are one of the few that has ms.smiler Aug 2013 #44

Had A Medical Emergency.... So Just Now ChiciB1 Aug 2013 #52

ChiciB1, I hope all is well with you and I find it very thoughtful of you to reply. ms.smiler Aug 2013 #53

I Do Understand About The Knowledge & Power... ChiciB1 Aug 2013 #57

Randi. davidwparker Aug 2013 #13

I have no words. Enthusiast Aug 2013 #32

We refinanced in 2003 and just recently did it again.. mountain grammy Aug 2013 #35

I'm wishing we had done the same. AllyCat Aug 2013 #36

Our mortgage was with Wells Fargo. mountain grammy Aug 2013 #39

not surprised at all. trying hard to think of a single large institution in this country that is niyad Aug 2013 #37

Years ago I was in and out of a lot of bank loading docks. rrneck Aug 2013 #40

Anyone gone to jail yet; any pending resolution? santamargarita Aug 2013 #45

This author is really confused. DirkGently Aug 2013 #50

DirkGently, you appear to be unfamiliar with Fannie Mae’s Servicing Guide. ms.smiler Aug 2013 #54

Fannie & Freddie are "investors." Doesn't mean no one owns the mortgage DirkGently Aug 2013 #55

DirkGently, I agree someone owns the mortgage and we’re discussing Fannie owned loans. ms.smiler Aug 2013 #56

Servicers can foreclose in most states. DirkGently Aug 2013 #58

DirkGently, I’m aware that in some states one party can foreclose on behalf of another party. ms.smiler Aug 2013 #60

Nope. Ask a local lawyer, but "deeds & conveyances" DirkGently Aug 2013 #62

DirkGently, the Recorder of Deeds in Montgomery County, PA sued MERS to compel ms.smiler Aug 2013 #63

kick Coyotl Aug 2013 #51