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01-20-2008, 08:59 AM

At this point you need to send CountryWide a QWR (Qualified Written Request) for everything, Life of Loan History, ALL documents, Copies of Original Notes and Deeds of Trust, TIL, Right to Cancel, all Riders to the Note, copy of the original application signed at closing, everything in your file with them. They must provide them, no ifs, ands, or buts.

Send 3 of these requests by Certified Return Receipt Mail. Make them run around for awhile. While you are at it fax a few too.

Get out your original documents, from the origination of this loan through to the closing. Arrange them chronologically and check for certain documents at the time of closing. TIL, Right to Cancel (2 copies), HUD-1. Review your final application in the package - how was income treated, was it inflated, do you have a copy of your original appraisal, was it inflated. From what you have said they must have treated this as a Stated or No Doc type of submission, were there irregularities in that documentation.

If things do not appear to be proper in the stack of closing documents, then you very well might want to proceed to the Document Review stage. You must fight fire with fire, you need to be proactive and on the offensive.

01-20-2008, 08:59 AM	#10 (permalink)
Mary Salzer Guest Posts: n/a	Re: My Countrywide escapade. And Hi! At this point you need to send CountryWide a QWR (Qualified Written Request) for everything, Life of Loan History, ALL documents, Copies of Original Notes and Deeds of Trust, TIL, Right to Cancel, all Riders to the Note, copy of the original application signed at closing, everything in your file with them. They must provide them, no ifs, ands, or buts. Send 3 of these requests by Certified Return Receipt Mail. Make them run around for awhile. While you are at it fax a few too. Get out your original documents, from the origination of this loan through to the closing. Arrange them chronologically and check for certain documents at the time of closing. TIL, Right to Cancel (2 copies), HUD-1. Review your final application in the package - how was income treated, was it inflated, do you have a copy of your original appraisal, was it inflated. From what you have said they must have treated this as a Stated or No Doc type of submission, were there irregularities in that documentation. If things do not appear to be proper in the stack of closing documents, then you very well might want to proceed to the Document Review stage. You must fight fire with fire, you need to be proactive and on the offensive.