I made the fatal mistake of refinancing my home with Ameriquest Mortgage several years ago. I had never owned/refinanced a house on my own before. I now realize I should have my own real estate attorney work with me. It would have saved me thousands. The appraiser that Ameriquest sent was one of their own and I see now that they inflated the appraisal to get their fees and take me on a tough ride. I am not illierate by any means but I am not an extremely knowledgeable person about business laws etc. At this point Citi Residential is servicing the load but will not work with me in any way. I was forced to have an escrow account which I had never had. They have charged me this years and next years taxes up front. After researching what I had paid and they had paid the taxes were over paid for almost 1300 bucks. I had the county issue the mortage company a check to refund my account. Of course I have not received any information that they recieved it. Citi Residential will not tell me who owns my loan. They have told me that I need to sell my house short, get a room mate or declare bankruptcy. They will not even talk to me about working something out. I asked them to lower my interest rate for a year so that I could get my 2003 vehicle paid off and then I would have an easier time of making payments. Oh by the way they do not want partial payments, evidently they do not count!. Every time I call I get a different entry level worker who is just doing what they have been told to say to people. I have asked to talk with someone at a supervisory level that could help me. As it stands right now, they will foreclose on my house if my loan is not cured by Dec. 27. Unfortunately, $4+ gas, emergency surgery and a series of other unfortunate events has led me to this mess I am in today.
From reading other peoples messages I see I will be homeless for the new year. I am just a hard working teacher who got this big old house in a divorce. Now I owe more than it is worth due to the great economic disaster we are facing world wide.
I wish there was someone who could help me that did not want $1795-2500 to talk to the mortgage company for me.
I am praying for miracle.
High Point, North Carolina