[fehrll]

I am just amazed at what a resource this site is. I have had a thread going in the "Tell Your Story" forum for a few weeks now and it has helped me a lot to come to terms with what is going on.

I just started browsing this forum today, and I have a couple questions....

1) Be bought our home in May 2005 - Financed through Fremont Investment and Loan on both teh 1st and second. Both were sold to ASC. We refinanced in March 07 with IndyMac on the 1st and National City on the 2nd. We have copies of our paperwork. But I would like to see what they have to see if there are any differences in dates, signatures etc. Can I just call and request this? Do they legally have to furnish this to us? I want to know if anything was changed or conveniently not sent to the new banks.

2) I hear if the promissory note is missing this is bad for the bank to try to foreclose. How do I find out if THEY have THEIR copy?

3) The 3 day rescind disclosure - I am now looking to see if we have this for the original loan and the re-fi. If we are missing it on the original with Fremont can we go after them for what we paid to them? How about ASC?

Both times, we unfortunately used a broker we thought we were getting the shaft both times but as 1st time homeowners we thought that this was the way it worked.

Our accountant looked at our re-fi mortgages this last tax season and said that we got the shaft big time.


Thanks again for this amazing forum!