Green Tree servicing Not Financially Keen, Keen Enough to Know Crooks! Rapid City, South Dakota

I too am a victim of overpaid interest. I pay my morgtgage on or before the due date and after over 14 years paying on a 28x70 mobile home that financed for 59,000 but still owe 51,000. Its a shame. I don't see how I will ever pay this off at this rate. The principal never seems to go up. How can a customer pay off a loan in 30 years like this. I was told serveral years ago my principal would be around $95 dollars if paid on time. That's no true because if you pay early one month and on time the next month thay take most of the payment and apply it to interest. If there is anyone who can help up pleeeeese do!!!!

First off I do thank you for your Military Service but at the same time it has NOTHING to do with your report.

My Father  went ahead and let me sign for him.
- You are aware that this is a PUBLIC web site and it appears that you have basically said that you forged your fathers signature.  Even if you had his permission this sure does not make you come off looking too good.  I also wonder how your CO would have reacted if they got wind of this report while you were Active?

As to the rest of your "RipOff".  How or the reason you got the house doesn't matter.  How many years you have or have not lived in the house doesn't matter.  Who is paying the mortgage doesn't matter.  It matters who is legally responsible for it. 

Because you are not on the Mortgage you realize you are not getting any "credit" for it.  But that also means that you have no "responsibility" for it either.  You could technically just walk-away and not pay a single dime more.  Now the effect on your father would be quite drastic, but you would come out fine.

The ONLY way you are going to be able to get this house in your name is to get approved for a loan on-your own.  You are not going to find any finance company who would be willing to just turn over responsibility of the Mortgage to someone who can't get approved for a loan.

" Out of those 10 years, I resided in the house only for three years" - have you rented it out the other 7 years, or was your family staying there? If not, this sounds like a terrible decision; next  time you move, you should rent instead of buy. I mean, the army is obviously moving you around a bit, so buying is not the way to go. 

"My Father  went ahead and let me sign for him" - I take it you mean that HE signed the loan, and it is totally in his name? This sentence is confusing.

Anyway, the lender is doing nothing wrong here; you cannot just "change the name" on a loan no matter who the lender is. 

Given that a lot of your figures do not add up (you say you have been paying interest for 10 years, but owe 48000 after 13 years, etc). I would advise against you buying a house again, and always renting. It is much simpler, and you will not risk being in a situation like this.