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Like right now, the mortgage industry is changing rapidly

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fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Tue Aug 26, 2008 7:47 pm  

And on top of everything, in your register vents,, you name it. Anyway good luck.
goodnatured



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450 Magic Points

 
Posted on Mon Sep 01, 2008 1:49 pm  

Yep, but I find that when I do stuff like this the house ends up being cleaner in the end.
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fireyone



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123 Magic Points

 
Posted on Tue Sep 02, 2008 1:26 am  

I was reading this post and it is almost like credit repair. Everytime you think you have everything cleared another pops up and you got to go through it again.
goodnatured



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450 Magic Points

 
Posted on Tue Sep 02, 2008 3:02 am  

That is why it is best to stay on top of your credit and all the laws as they change that have to do with credit. Like right now, the mortgage industry is changing rapidly.
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fireyone



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123 Magic Points

 
Posted on Tue Sep 02, 2008 10:11 pm  

I see that with the mortgage industry...it seems very instable. I am glad we got our Home equity when we did. We didn't go with a mortgage becasue the rates were higher and the fees were higher too.
goodnatured



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450 Magic Points

 
Posted on Wed Sep 03, 2008 3:08 am  

You are probably better off that way, we don't have a home equity either, however mortgage companies will sell accounts to others and you end up dealing with a company that you do not know. Ours sold all their mortgages to a bigger company, they have had our acccount for about 2 years now and seem pretty descent. At least so far.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



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123 Magic Points

 
Posted on Thu Sep 04, 2008 1:24 am  

I had this happen when I had my loan through a mortgage company. I ended up almost losing my home over it when we first got it. Wuth in a few months of purchaisng it they sold to another company but did not list us as making any payments. One day there was a knock at the door and we were being served papers to get out. I had all my cancelled checks (that is when they sent them back to you) and showed the people and he said he couldn't help me I had to contact the company...what a mess.
goodnatured



Joined: 03 Nov 2007
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450 Magic Points

 
Posted on Thu Sep 04, 2008 1:26 am  

Are you serious, I bet you were really worried about that huh, I would have been pissed about that, especially since you were making the payments. Did they even try to call you?
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



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123 Magic Points

 
Posted on Thu Sep 04, 2008 1:47 am  

No they never tried to call or it would have never gotten that far. And yes I was very pissed and worried. $415 times 5 months...where was I recoming up with it. Anyway I had to send them all teh copies of my checks, they wanted the originals and I told them I didn't fall off any turnip wagon. They figured out that the past mortgage company had recieved all the payments and not forwarded them on. Seems they were selling the company as they processed my loan.
goodnatured



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450 Magic Points

 
Posted on Thu Sep 04, 2008 3:11 am  

thank you for the information, I am sure someone will find it useful, I did.
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Goodnatured,
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for all the ways I make $$ online
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fireyone



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123 Magic Points

 
Posted on Thu Sep 04, 2008 11:15 am  

Hopefully no one has to go through it. It isn't the most pleasant things to deal with.
goodnatured



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450 Magic Points

 
Posted on Thu Sep 04, 2008 11:35 pm  

I bet it was scary, but having the proof that you paid it was good, how many payments was they saying that you owed.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



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Posts: 4246



123 Magic Points

 
Posted on Fri Sep 05, 2008 12:00 am  

Five months worth. That is why I couldn't figure out why they never called. I mean never one payment made and five months late to boot. I transferred evrything to a regular bank and it isn't even a mortgage anymore. Everything including what we owed on the home was combined into the home equity.
goodnatured



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450 Magic Points

 
Posted on Fri Sep 05, 2008 1:37 am  

That is the best way to do it, we have our mortgage and our taxes and insurances all in one.
_________________
Goodnatured,
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erb1953



Joined: 31 Dec 2007
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-100 Magic Points

 
Posted on Sun Sep 07, 2008 1:17 pm  

I would not do it any other way goodnatured, then everything is taken care of in one payment. The only thing is that you have to visit it every now and then to see if there are any increases or not.

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