[Catherine]

Uh oh. After what I read I may to add this. This loan we are in is a result of a refi a little over two years ago from the first adjustment for a loan amount of 340k. The broker at National City at the time was my new best friend talked me into taking out under 20k to pay off medical bills to bring our credit score up to get us into a great affordable FIXED loan six months later both knowing I couldn't afford the new payment for long. A notary showed up at my house to sign that didn't explain the loan. I do own the fact I blindly signed for my trust in the broker and that mistake will cost us our home. Sharing this I feel dumb and dumber on so many levels. We all know what happened six months later. I was stuck in a loan amount of 378k with a payment the taxes got left unpaid to keep the loan current. He told me the reason the new loan amount was so high was all the extra work in his end to get the new one ready to go. The fact FF did not sell off my loan amount I was getting two refi's for the price of one. When he was no where to be found I had no way of getting out of this. There was a huge prepayment penalty attached to this loan. So at that point I begged to have them to waive it (DENIED) which kept me from trying to resolve this when I saw the market crashing. The ink was dried and that promise was no where to be found. Correct me if I am wrong, but from what I just read since this is a refi does that change the rules? Can they come after me? Happy New Year, Catherine