Equity Now inc. review: Mortgage brokers 1

In 2004 my now ex - husband had built a new home in Bethel N. Y for our family. His credit was maxed, as we were trying to sell our previous home, and that mortgage was in his name only, which prevented him from borrowing any more money.

I put a mortgage in my name November 2004, from Equity Now inc. that my husband had organized for $301,000. Part of that mortgage had to pay off a company that provided high interest money to build the home. Equity Now inc. transferred the mortgage to Fremont.

In November 2005 my husband organized a refinance with Sommerset Mortgage Bankers for $399,000, the mortgage was transferred to Chase Home Finance

In 2008 I called Chase inquiring about a modification, and was told that I had to stop making payments in order to qualify, and that an appointed manager would send a package to get the modification started.

I received the package in August 2008 and started the process, unfortunately there was always something missing, or incomplete that would cause the process to start over. In 2009 I received a foreclosure summons, and during a mandatory conference I produced a letter from U. S Bank National stating that they were the foreclosure bank. The Judge ordered a motion or a Stay for 1year, until the law firm could provide proof of who held the mortgage. I didn't get notified from the law firm or the courts in reference to the court ordered Stay.

In 2013 I received a letter from Chase stating they sold my mortgage to Select Portfolio Services, even though I was still providing all necessary documents trying to obtain a modification, within the letter there was accounting information in reference to a surplus escrow in the amount of $325,000. I called Chase to ask if the surplus could go against the mortgage, I was told that I would have to be current on payments first, and SPS would have answers to any questions.

In February 2018 I received a letter from SPS stating that my home was being sold at the courthouse in March, with know regards to all modification paperwork I was submitting to SPS. I was in shock, and was not aware of the foreclosure that had taken place in 2016.

While trying to find out what had taken place at the county register office I found a document dated 2010, and backdated to 2007 that Equity Now inc. sold my mortgage to the foreclosure law firm for $1.00, naming U. S Bank National as the note holder since 2007. With further investigation I found out that the document was Robo signed. I’m not sure how Equity Now inc. became involved in the mortgage, but I do know that my home was stolen, I can’t find legal help willing to get involved, nor do I have the money to pay for a lawyer. Seeking Justice and advice.

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