Homecomings Financial misled rIPOFF Dallas Texas

Homecoming Financial closed our loan in 2001, without an attorney present to start with and that is illegal in South Carolina. They did not pull a complete title search on my property or they would have known we have 3 lines/judgements (that are from my brother in law, from him inheriting 25% interest in my property for 2 months, after my husbands dad passed away).My husbands dad was a cosigner on our property. So Homecomings Financial is not even first lienholder on our property and they do NOT even have a title commitment on my property, which my attorney can not believe. They sent a notary to my house to sign my loan and agin I tell you it is South Carolina's law that an attorney is present at closing. They tried to foreclose on my home once and we paid them over $6000.00. But we have been misled, if they would have pulled a complete title and had an attorney present at closing then for one Homecomings would not have closed our loan and an attorney would have made sure we had a clear title. We would have never signed a 3 year adjustable rate with Homecomings if we would have known we had liens on our property. We did not learn about the liens until after the 3 years with Homecomings and we tried to refinance our loan, which was May 16, 2005. Now our rate is going up every 6 months, which means our mortgage payments goes up at least a $100 every 6 months.We started at $960 a month and are now at $1210 a month. Starting Dec 1, 2005 it will go to $1300 a month. And by the time Homecomings has gone as high as they can to almost 15% by law (quote on quote from a Homecomings employee) we will be paying $1500 a month on a house that appraised in May for $118,000.00. Tell me where the justice is? We are going to lose our home, all because we signed a loan with this company that did not pull complete title and inform us that we would not be able to sell nor refinance our home...Man, did they get us. I am fighting this every way I can and will continue to. We as consumers have been lied to and misled by Homecomings Financial...we will not stop here. I would just call them and tell them come get the keys and take it, but I have a child ready for college and I care about my credit. I can not ruin my credt, I have a college education for my child to pay for and need good credit in order to find another place to live with children...Please someone tell me what to do?

Thanks

Allison
Easley, South Carolina
U.S.A.