http://www.loansafe.org/forum/ Bank of America is one of the largest banks in the world. They offer home loans, credit cards and personal banking. BofA now owns Countrywide Home Loans. en Wed, 19 Jun 2013 00:25:32 GMT vBulletin 60 http://www.loansafe.org/forum/images/misc/rss.png http://www.loansafe.org/forum/ http://www.loansafe.org/forum/bank-america-home-loans/85473-bank-america-jumbo-hamp-modification.html Tue, 18 Jun 2013 17:02:13 GMT This is my first post after reading this forum for the past 1 1/2 years - yes, I've been attempting to get our original Countrywide Jumbo loan modified this long - I began with the President's office @ Bank of America and got nowhere with them - we paid our mortgage on time for the past 11 years - we are underwater on our first mortgage and 100% underwater on our HELOC with them - I made it my mission that I was going to get help with our mortgage - the good news is that we finally received approval for a HAMP modification on our first - we will begin our "trial" payments next month - what I am still confused about is Bank of America going to write off a portion of our existing mortgage? - when I calculate the P & I, real estate taxes & homeowners insurance - the payment is lower than what we were paying prior - when I ask our Relationship Manager - he says that they are not extending our term but never answers how much we will owe when this is done - also, given the 2nd is 100% underwater and our Manager has told us that they will automatically look at it when we are permanently modified - what am I missing - our first is serviced by BOA and supposedly owned by BONY - the 2nd is owned and serviced by BOA - any assistance would be appreciated -thanks in advance! ]]> Bank of America Home Loans clars http://www.loansafe.org/forum/bank-america-home-loans/85473-bank-america-jumbo-hamp-modification.html http://www.loansafe.org/forum/bank-america-home-loans/85466-finally-got-attorney.html Mon, 17 Jun 2013 23:11:18 GMT I just wanted to share that we finally retained an attorney to handle things which got way out of our hands. Our permanent modification agreement was... I just wanted to share that we finally retained an attorney to handle things which got way out of our hands. Our permanent modification agreement was in place since October 1st of 2012, BofA kept asking for payments over the phone, and we made all of them on or before the first. Exactly 3 days after each payment was made, they would put our home back in foreclosure state, which caused investors to come lurking around our property. After countless letters to office of the president and 2 different case workers from their department, we got tired of waiting on finalization and being put in appeals department by no request of our own.(they put us there, after initially denying our permanent mod in January 2013, due to their error). We contacted local news investigative team, well knows for helping homeowners in cases unjust like ours.
The reaction to news Chanel making an inquiry was mind blowing.We landed into Media Relations Department and got worst case worker ever-Julio Esparza, who absolutely refused to take our June payment. Finally after about gazillion calls he agreed and reversed our foreclosure so he can take the June payment. Few days after that we have received 15 letters informing us of trustee sale on September 3d.
That's when we realized that all that BofA ever told us over the phone was a lie, and we couldn't ignore foreclosure status any longer. I told them i wished they would sell our house while they are sitting on our notarized and signed loan modification agreement and after almost a year of payments on the loan. Julio's reaction was that he had our file for only a short time and he didn't have time to review it, but i could tell he could care less, so after relaying this to my boss he decided to help us by paying a retainer fee with one of his best attorneys (miracles sometimes do happen).
We just gave all paperwork to the attorney last wednesday so it early to tell what's happening, but he said that if bofA decides to pursue in the same direction like until now, he will take case to court and have a judge enter an order for our case to be closed and finalized.
He seemed thrilled with all our paperwork, especially the part where BofA mailed us a 3 page copy insert from our deed which states that we have to do all the repairs and renovations required to keep property in good shape for the investor, as long as we are living there (this came after i told our case worker that they need to finalize paperwork so we can do repairs on the home and we didn't want to do them under threat of foreclosure).
So that's my story. ]]> Bank of America Home Loans ItsyBuggy http://www.loansafe.org/forum/bank-america-home-loans/85466-finally-got-attorney.html http://www.loansafe.org/forum/bank-america-home-loans/85465-paid-my-trial-payments-time-now-denied.html Mon, 17 Jun 2013 20:17:28 GMT Hi can anybody please give me idea what to do next, I got approved for a trial payment for Bank of America in March made all my trial payments plus... Hi can anybody please give me idea what to do next, I got approved for a trial payment for Bank of America in March made all my trial payments plus the fourth one on the 1st of every month, and I just got the fedex letter saying I was denied for the Department of Justice trial period plan because I make my payments on time. Which is a not true so aggravating. ]]> Bank of America Home Loans Marie Chavez http://www.loansafe.org/forum/bank-america-home-loans/85465-paid-my-trial-payments-time-now-denied.html http://www.loansafe.org/forum/bank-america-home-loans/85462-loan-sold-nationstar-before-last-trial-mod-payment-please-help.html Mon, 17 Jun 2013 17:34:18 GMT I received letter from BOA that my loan will be sold to Nationstar mortgage in two weeks and I have already made two trial payments and was hoping to... I received letter from BOA that my loan will be sold to Nationstar mortgage in two weeks and I have already made two trial payments and was hoping to make third payment this month to get possible permanent MOD. Now I really don't know what will happen next. Do I have to start all over again from zero or anyone else had success to continue same MOD to new servicer. Thank you so much for this great forum. ]]> Bank of America Home Loans TSVA1 http://www.loansafe.org/forum/bank-america-home-loans/85462-loan-sold-nationstar-before-last-trial-mod-payment-please-help.html http://www.loansafe.org/forum/bank-america-home-loans/85458-hamp-question.html Mon, 17 Jun 2013 00:45:03 GMT We have had a HAMP since 2010. We have been experiencing a hardship recently and the payment is not affordable at this time. I called BofA and... We have had a HAMP since 2010. We have been experiencing a hardship recently and the payment is not affordable at this time. I called BofA and explained the situation. They told me that if I could tell them when the situation might improve that they could look at a forbearance agreement. At this point we are just 16 days past due. If we enter into a forbearance agreement won't that void the HAMP and we would then go back to the original terms of our loan which is totally unaffordable for us. I asked about a HARP but our credit scores are too low from what I have been told by another lender. We really don't want to let the house foreclose but we could use about 3 months or so to get out of the financial bind we are in right now. Does anyone know if taking a forbearance would void the mod, and how long would we have to pay back the deficiency? Would the payments be double? ]]> Bank of America Home Loans dthom http://www.loansafe.org/forum/bank-america-home-loans/85458-hamp-question.html http://www.loansafe.org/forum/bank-america-home-loans/85451-bank-america-gave-bonuses-lie-foreclose-homeowners-falsify-govt-reports-hamp.html Sat, 15 Jun 2013 06:05:58 GMT Bank of America Gave Bonuses to Lie, Foreclose on Homeowners & Falsify Govt Reports on HAMP.

6/14/2013 - In a Federal lawsuits, six former BofA alledge they were given bonues based on how many homes they could foreclose on and told to deliberatbly deny qualitifed home owners HAMP modifications, so they could foreclose.

The bank rewarded representatives who foreclosed on homes with cash bonuses and gift cards to stores like Target. Representative were disciplined or fired if they did not not place 10 or more homes in foreclosure a month.

The testimony from the former employees also alleges the bank falsified information it gave the government, saying it had given out HAMP loan modifications when it had not.

The court documents service representatives were told to lie to homeowners, telling them their paperwork and payments had not been received, when in reality they had.

"This is exactly what's been happening to homeowners for years," said Danielle Kelley, a foreclosure defense lawyer in Florida. "No matter how many times they send in their paperwork, or how often they make their payments, they simply can't get loan modifications. They wind up in foreclosure instead."

The former employees said they were told to falsify electronic records and string homeowners along in foreclosure as long as possible. A case management team manager, said he told his supervisors the practices were "ridiculous" and "immoral." He said he was fired in August 2012.

Bank of America and four other banks reached a $25 billion landmark settlement with regulators in 2012, following a scandal in late 2010 when it was revealed employees "robo signed" documents without verifying them as is required by law. But problems have persisted. Since 2012, more than 18,000 homeowners have filed complaints about Bank of America with the Consumer Financial Protection Bureau, a new agency created to help protect consumers. Recently, the attorney generals of New York and Florida accused Bank of America of violating the terms of last year's settlement.
Former Bank of America workers allege it lied to home owners | Reuters ]]> Bank of America Home Loans davephx http://www.loansafe.org/forum/bank-america-home-loans/85451-bank-america-gave-bonuses-lie-foreclose-homeowners-falsify-govt-reports-hamp.html http://www.loansafe.org/forum/bank-america-home-loans/85448-my-theory-confirmed.html Sat, 15 Jun 2013 00:46:10 GMT I had no doubt this was BofAs tactic all along, now confirmation. So sad. Yahoo! Finance - Business Finance, Stock Market, Quotes, News... I had no doubt this was BofAs tactic all along, now confirmation. So sad.

Yahoo! Finance - Business Finance, Stock Market, Quotes, News ]]> Bank of America Home Loans 4mykids http://www.loansafe.org/forum/bank-america-home-loans/85448-my-theory-confirmed.html http://www.loansafe.org/forum/bank-america-home-loans/85447-b-heloc-charged-off.html Sat, 15 Jun 2013 00:13:48 GMT Not sure if this is the right area to post this, but wanted to see if I have any recourse on this particular loan. We currently have a first... Not sure if this is the right area to post this, but wanted to see if I have any recourse on this particular loan. We currently have a first mortgage with Wells Fargo, but then applied for a HELOC around January of 2006 with a local mortgage firm. Everything seemed to be fine with the loan, but then we were told that since my credit was better than my husband's at the time that the loan would have to be in my name only, which was okay. But the thing is, I was not currently working at all (have been a SAHM since 2002) so they made it a stated-income loan and used figures from my last job, which had been four years earlier and put it on the application. Also, when they sent over a person to do an appraisal on the home, I believe the appraisal was way higher than it should have been. Live in a 2 story home that is 2998 sq feet on about 3 acres, but they valued it around $820,000! We bought the home in 2003 for approximately $334,000, so I seriously doubt it went up by $500,000 in that short of time. At the time, the real estate market was booming, obviously, all over the country so thought maybe they knew something we didn't. Got approved and then when I went into sign the documents, some of the particular pages had to be notarized, but noticed that the "notary" who supposedly was writing down my information was not in the office when I signed the documents (I was in the office with the loan officer only, who was not a notary) and so the notary seal and everything else was stamped on there after I had already signed the documents and left the building! Yes, I should have spoken up at the time and said something, but was too concerned about getting the loan done and over with. At any rate, the loan was through Countrywide, who then eventually sold it off to B of A. Just wondering though, is there any way to let someone know about some of this activity and maybe help to get this loan modified and or get the principle reduced? Had been trying for about a year to get it modified through B of A until about a year ago when they transferred it over to a place called Carrington Mortgage, who I believe is still associated with B of A, but they really won't work with me as far as trying to get it reduced or changed at all. Just doesn't seem right that they put this loan through without correct information and then didn't go through the proper procedures as far as having it notarized either. Anyone have any ideas or information? Thanks. ]]> Bank of America Home Loans lisamd27 http://www.loansafe.org/forum/bank-america-home-loans/85447-b-heloc-charged-off.html http://www.loansafe.org/forum/bank-america-home-loans/85445-credit-control-llc-anyone-ever-hear-them.html Fri, 14 Jun 2013 21:48:57 GMT Hello Fellow Loansafers, I have a 2nd that was with Bank of America and has been transfered to PREO Mortgage, LLC and now Credit Control, LLC. Has... Hello Fellow Loansafers,

I have a 2nd that was with Bank of America and has been transfered to PREO Mortgage, LLC and now Credit Control, LLC. Has anyone here ever heard of and had any luck with negotiating a 2nd mortgage with Credit Control, LLC. I havn't paid on the 2nd mortgage in over 4 years now (due to a lay off and then trying to modify my 1st which took a little over 3 years) but I had began negotiations with PREO before the loan was sold.

Also my home currently has a little equity may 10k or so, does anyone know what the recourse is if the values keep rising? I've never refinanced since the home was purchased and it is owner occupied. Thanks in advance for any input or thoughts. ]]> Bank of America Home Loans tropicalnla http://www.loansafe.org/forum/bank-america-home-loans/85445-credit-control-llc-anyone-ever-hear-them.html http://www.loansafe.org/forum/bank-america-home-loans/85439-anyone-have-current-contact-info-oop-other-exec.html Fri, 14 Jun 2013 15:26:54 GMT I have been leaving messages for the "Customer Care" Rep that I have been assigned to. She never answers her phone or returns messages. I need to get ahold of someone at BofA who is on a higher level.

Anyone have a contact?

Thanks! ]]> Bank of America Home Loans helpsavemyhome http://www.loansafe.org/forum/bank-america-home-loans/85439-anyone-have-current-contact-info-oop-other-exec.html http://www.loansafe.org/forum/bank-america-home-loans/85433-how-long-would-possible-stay.html Fri, 14 Jun 2013 04:34:13 GMT Hello, I am new to this forum, and I hope someone can answer my questions. This is not the typical scenario of most others out there. My... Hello,

I am new to this forum, and I hope someone can answer my questions.

This is not the typical scenario of most others out there. My husband and I have had our FHA mortgage with Bank of America since 2008, and as a lot of people, we are upside down in it.

We are in plans to move overseas early 2014. As we are upside down, there is really no use to put the house on the market, or short sale it. We are only 1 month behind in our payment (this month June's payment wont be paid till first week of July). We just want to stop paying the mortgage payments, and save the money for our move.

We know the typical California foreclosure process, but I have heard of people staying in their houses for at least a year sometimes 2, without making any payments at all.

We were wondering if there is anyone on this forum that has a Bank of America FHA loan going through foreclosure, as we are wondering how long we could stay in our house without making payments before the bank forecloses. I am hoping we can still stay here till we leave in March next year.

I hope some answers come my way.

Thank you ]]> Bank of America Home Loans curiousinca http://www.loansafe.org/forum/bank-america-home-loans/85433-how-long-would-possible-stay.html http://www.loansafe.org/forum/bank-america-home-loans/85430-underwater-hamp-denied.html Fri, 14 Jun 2013 00:45:51 GMT I have been reading many stories on here and have not seen many that match my family's situation, so I thought that I'd see if anybody here can add some insight/feedback/suggestions. Sorry if this is a long read.

We purchased our California home in 2007 for $650k and our home is now worth only about $450k. We still have the original loans which carry a total balance of about $580k.

My wife lost her job early last year, and we lived off of my salary and have supplemented expenses with our savings account for the past year. By January, our savings account was drawn down to the point that I realized we would be tapped out within six months. We were unable to qualify for a refinance because of our debt-to-income ratio, so we made the tough decision to stop paying. Our last mortgage payment was in January 2013.

In April, we applied for a HAMP modification, but were not approved. I have looked at the various calculations and applied the various inputs and our gross income is simply too high. What is not considered is that we have other bills in addition to our mortgage which is what has overextended us. Bank of America recently came back with an in-house modification plan that would actually RAISE our monthly mortgage payment (it would be principle and interest), which I already know is not going to be sustainable. I have been advised by my rep that if I don't take their offer, they may deny any future attempts at modification.

I'd like to be able to keep my home, but I'm prepared for the possibility of having to walk away. So what are my questions?

1.) Do I have any other options that would allow me to try and keep my home? BofA has just sent me a notice-of-default on my second mortgage so I am concerned that they could foreclose any day now.

2.) If I am out of options, how long do I likely have before they try to take my home? The letters they send make it seem imminent, yet I also hear stories of it taking months and months. I'm not sure what to believe.

I'm already resigned to the fact that my credit is already trashed and I will probably be stuck renting for 7 years. ]]> Bank of America Home Loans ConcordDad http://www.loansafe.org/forum/bank-america-home-loans/85430-underwater-hamp-denied.html http://www.loansafe.org/forum/bank-america-home-loans/85419-court-denied-plaintiffs-motion-cancel-foreclosure-sale.html Thu, 13 Jun 2013 15:08:04 GMT I'll start with a brief synopsis of our story.
We decided to walk in December 2011. We owed 201,000 on our first and HELOC, and the value of our house had plummeted to around 90,000. We moved out and began renting a house. We were trying to do a deed in lieu with BOA. It was very slow-moving. We would call about once a week and see where we were with the process, sending paperwork in when needed.

Fast-forward to a couple months ago...BOA said it shouldn't be much longer and it looked like the deed in lieu would work out. There had been some weird title issues (lien from before we purchased the home that was never noticed before I guess), but things had been sorted out and we were moving ahead. A few days after this phone call, we got a letter saying Greentree was now servicing our loan. My husband called BOA who said we would have to start the process all over again with Greentree! We called Greentree and left numerous messages. About 2 weeks later, I was looking on our county's property site and noticed the foreclosure sale was scheduled! We figured, at this point, a deed in lieu wouldn't happen. We then received a letter saying plaintiff's attorney filed motion to cancel sale. Then yesterday we received another letter saying the court denied that motion. At this point, we are almost thankful for that, just because we want to be finished with the whole mess. Just wondering, however, Why would the court deny that motion? ]]> Bank of America Home Loans floridamommy http://www.loansafe.org/forum/bank-america-home-loans/85419-court-denied-plaintiffs-motion-cancel-foreclosure-sale.html http://www.loansafe.org/forum/bank-america-home-loans/85412-bank-america-corp-could-put-its-countrywide-financial-unit-into-bankruptcy.html Wed, 12 Jun 2013 18:13:49 GMT Lol, B/A getting a taste of their own insane tactics. BofA could still put Countrywide into bankruptcy, executive says | Reuters... Lol, B/A getting a taste of their own insane tactics. BofA could still put Countrywide into bankruptcy, executive says | Reuters ]]> Bank of America Home Loans mvpolo http://www.loansafe.org/forum/bank-america-home-loans/85412-bank-america-corp-could-put-its-countrywide-financial-unit-into-bankruptcy.html http://www.loansafe.org/forum/bank-america-home-loans/85408-connecticut-former-country-wide-boa-now-seterus-mortgage.html Wed, 12 Jun 2013 16:14:16 GMT Hi - looking to get a bit more comfortable with this whole foreclosure process in Connecticut. Our original mortgage was with Raveis, but before the... Hi - looking to get a bit more comfortable with this whole foreclosure process in Connecticut. Our original mortgage was with Raveis, but before the actual closing date, the mortgage had been sold - I'm going to have to pull my paperwork to see if I can figure out who that mortgage was with - but it eventually landed with Country Wide, then went to BoA. The last mortgage payment we made was Feb 2013. We have received the Notice of default, originally from BoA and then received notice that Seterus would be our servicer as of May 1st. We have received paperwork from them, as they have realized that we haven't paid.

I have enrolled with YouWalkAway for support through this. Our original intent was to walk away from the condo. Purchase in 2006 for $290K - brand new units are struggling to sell for $220k now. A unit across from us was sold after a foreclosure for $162k. The balance on our mtge is $254k. BoA let us refinance in 2010 (I believe) to a lower interest rate and extended the term back out 30 years. Our plan had been to sell after 6 or 7 years of living here, but now that it is underwater - I'm not sure that we want to deal with a short sale.

We haven't had a catastrophic financial hardship - so I'm not thinking that beginning a request for modification is a good idea unless we want to stall the foreclosure process. I've considered doing this so that we could build a savings account prior to paying rent someplace. The big problem looming in front of us will be some of my son's student loans. They are of epic proportions and the payments will probably be more than mortgage payments! So, thinking about trying to buy a house in 4 or 5 years means getting that savings account built up now. We'd like to pay down some of our other debt as well, but will also need cash to get into a new place.

Ugh - not sure which path to follow - just continue ignoring anything from the banks until we hear that the foreclosure is just around the corner - then move - or try to stall the process to put us in a better financial position. We are also concerned with whether we will incur any costs because of the foreclosure (tax penalities?) and can Seterus come after us for any funds? I understand that it will most likely be a strict foreclosure because there is no equity in the condo, which means there will be no sale - so if there is no sale - they can't put a judgement against us for any balance? Or can they? If they do, then we will look into doing a bankruptcy which will free us of other debt (not student loans though) but even that would put us in a better financial situation.

Any thoughts, comments or concerns that anyone has of foreclosure in CT would be appreciated!! ]]> Bank of America Home Loans CTphew http://www.loansafe.org/forum/bank-america-home-loans/85408-connecticut-former-country-wide-boa-now-seterus-mortgage.html http://www.loansafe.org/forum/bank-america-home-loans/85406-sale-date-set-i-have-invester-phone-use-boa.html Wed, 12 Jun 2013 12:30:46 GMT I have a sheriff sale date of July 31, I also have someone interested in buying my house to rent back to me. I have been advised by a realtor to... I have a sheriff sale date of July 31, I also have someone interested in buying my house to rent back to me.

I have been advised by a realtor to contact BoA and have person make offer prior to sale date. Said it could take week or two for BoA reply.

Which phone number for BoA should this person use to contact regarding my house and an offer.

Thank You in Advance ]]> Bank of America Home Loans mtmarabianz http://www.loansafe.org/forum/bank-america-home-loans/85406-sale-date-set-i-have-invester-phone-use-boa.html http://www.loansafe.org/forum/bank-america-home-loans/85403-refi-2nd-boa-mortgage.html Tue, 11 Jun 2013 22:57:25 GMT Am in the process of signing the paperwork for an FHA Streamline refinance on my first mortgage ($103k). BOA holds the 2nd mortgage ($23k) at 9.09%... Am in the process of signing the paperwork for an FHA Streamline refinance on my first mortgage ($103k). BOA holds the 2nd mortgage ($23k) at 9.09% (!) interest. I'm getting the refi for the 1st at 4.6% which will save me a couple hundred a month. My question is this: What can be done about the 2nd with the ridiculous interest rate?

I've called BOA and they say there is nothing they can do to help me. Defaulting isn't an option for me because I'm in Washington state and I believe it is not a non-recourse state relating to 2nds. I'm not *too* far under water, maybe $10k +/-.

Is there anything that can be done? ]]> Bank of America Home Loans chicaberry http://www.loansafe.org/forum/bank-america-home-loans/85403-refi-2nd-boa-mortgage.html http://www.loansafe.org/forum/bank-america-home-loans/85386-can-do-regular-sale-if-value-home-going-up-while-stuck-loan-mod-stuck-short-sale-deed-lieu.html Tue, 11 Jun 2013 05:04:36 GMT So, been loan modification hell with BofA and value of home is going up and possible above value of what we owe them. Can we do a regular sale? ... So, been loan modification hell with BofA and value of home is going up and possible above value of what we owe them.

Can we do a regular sale?

Or we stuck with only short sale or deed in lieu because notice of default is filed?

If regular sale, will their fees add up to be not worth it? Enough time to do regular sale? Any other traps? ]]> Bank of America Home Loans north_ca http://www.loansafe.org/forum/bank-america-home-loans/85386-can-do-regular-sale-if-value-home-going-up-while-stuck-loan-mod-stuck-short-sale-deed-lieu.html http://www.loansafe.org/forum/bank-america-home-loans/85375-perm-mod-not-updated-into-bofa-system-loan-transferred-green-tree-soon.html Mon, 10 Jun 2013 02:06:41 GMT Here's My situation: My loan is set to be transferred over to Green Tree Servicing from Bank of America on June 16, 2013. My Permanent loan modification Docs were completed on Jan 1,2013. As of today, BofA has yet to Update into their system and bring my loan current with the new terms. They have escalated the loan a couple times already. After I contacted the office of the CEO and president on May 22, they assigned my account to a new CRM and that is when I got notification that my loan has been transferred. I have been in contact with my CRM and she assures me the modification will be applied once the transfer of services are made. Should I be skeptical? Because I am, based on the stories on this forum and my own gut feeling. Is there anything I can do at this point? Should I send over a complaint again to the CEO? Or to the CFTB?

Thank You ]]> Bank of America Home Loans transformfromwithin http://www.loansafe.org/forum/bank-america-home-loans/85375-perm-mod-not-updated-into-bofa-system-loan-transferred-green-tree-soon.html http://www.loansafe.org/forum/bank-america-home-loans/85374-robosigning-how-would-you-formulate-letter-boa.html Sun, 09 Jun 2013 22:43:04 GMT Long story short, stopped paying in 4/2010, original lender First Franklin, sub-prime, then Merrill Lynch, then LaSalle bank and some mortgage backed... Long story short, stopped paying in 4/2010, original lender First Franklin, sub-prime, then Merrill Lynch, then LaSalle bank and some mortgage backed securities. Somehow ended up with BAC servicing the loan. Nothing has ever been documented on the county auditor website until February of this year when an ADT was filed. It was signed by a Trisha Jackson who signed as the Assistant Vice President to First Franklin Financial Corporation but this company hasn't existed for years. She has also listed herself on other ADT's as numerous other titles for other lenders, as secretaries even as the Vice President for Bank of America yet the only place I can find her when I googled her is on a list of robo-signers. This document was also notarized in California and someone told me (I live in Wa) that makes it invalid as well as it has to be done in the state that home is in?? If these are true I wanted to send a letter to BOA letting them know that I am onto them as well as notifying the AG's office. I am not trying to say I am in the right for not paying my mortgage but if these criminal banks are continuing to break laws after they have already been caught doing so it just pisses me off. ]]> Bank of America Home Loans pajrnjam http://www.loansafe.org/forum/bank-america-home-loans/85374-robosigning-how-would-you-formulate-letter-boa.html