Hi everyone,
I wasn't sure which category to post this under.
A very unfortunate, upsetting, and beyond frustrating set of circumstances bring me here today. We bought our home in the spring of 2008. Our mortgage loan was a USDA loan that was originated by Taylor, Bean, and Whitaker. As many of you know, in the summer of 2009, a little over a year after bought our home, TB&W was shut down by the feds and the owner was sent to prison for many years for mortgage fraud. Our mortgage was then transferred to Bank of America, whom we were with until 2014, when it was then transferred to Carrington Mortgage Services. Unfortunately, a couple of years ago, we fell quite a few months behind on our mortgage payments due to my husband becoming very will and underwent open-heart surgery and was out of work for an extended period of time. At the time, we were told that we would not be eligible for a loan modification because we had received one the year prior and you can apparently only get then once every 2 years. Carrington basically just told us to wait until we were eligible (which was the end of 2018) and then apply for a modification, which we did. However, about a month before we were eligible, we were served with foreclosure paperwork (this was a little over a year ago). I then contacted the Carrington's attorney listed on the foreclosure documents and they advised me to go ahead and contact Carrington directly to try and work something out with them as far as mortgage assistance, which we did and we got the boll rolling on the loan modification application process. We went around in circles with them for MONTHS. We kept sending them documents both via fax and email, yet they would repeatedly claim that this document was missing or that document was missing and we spent months going back and forth with them. Finally, we had enough and we contacted our state's Attorney General's office to request help because Carrington was giving us such a run around. They referred us to a mortgage counselor, who we started working with. He actually had a real estate attorney look up our mortgage in the MERS system, who then informed us that Carrington did not even own sufficient rights to our mortgage to be able to foreclose on it due to improper transfers from TB&W to BOA in 2009 and then from BOA to Carrington in 2014. This attorney also said that it would be especially difficult for them to foreclose since the originator of the loan, TB&W, is long since gone and has not been in existence in a decade. I thought, "Okay, cool. I guess we're literally stuck with this house!"
Anyway, the housing counselor starting communicating with Carrington on our behalf after we signed the proper release form to allow him to do so. Whenever Carrington needed another document from us, he would let us know and we would then send the document to him and he would then send it to Carrington. The last time any documents were requested from us was about 3 weeks ago. They needed updated pay stubs from my husband, an updated profit and loss statement from me since I'm self-employed, and an updated signature page since apparently the one they had on file from us was several months old and they needed a new one. So, we promptly sent ALL of those documents to our housing counselor and he then submitted them to Carrington and copied me on the email.
I emailed our counselor at the end of last week to ask him if he could check in with Carrington for a status update since it had been a few weeks and we hadn't heard anything at all. Well, this morning I received a phone call from him. He had called Carrington and was told that our property had been foreclosed on and SOLD TO CARRINGTON on August 28th!!!! We NEVER received ANY sort of notice that anything like this would be happening! Carrington literally requested more documents for our modification application AFTER this sale allegedly occurred and NEVER said a single word about this to either us or our housing counselor! We have been in VERY close contact with Carrington this entire past YEAR and have been working with them very closely to try to obtain this modification, which we were told we were now eligible for! We sent them EVERY SINGLE DOCUMENT they asked for, and then some! Our counselor spoke with Carrington's attorney today, who claimed that they had mailed us documents about all of this, but we NEVER received them! I personally get the mail every single day while my husband is at work and the last thing we ever received from them was over a year ago, and that was when I contacted them and they advised me to contact Carrington to try to work something out with them in terms of a modification. How can they do this?!?!?!?!? This has been our home for nearly 12 years and now we could get kicked out at any given moment! We have put so much time, money, blood, sweat and tears into this house over the years to make it our own. I am so stressed that I can't even eat or focus on my work. I have been in tears and in constant panic and anxiety all day long since finding all this out. I know FOR A FACT that we NEVER received any documentation from Carrington's attorney about this impending sale! My goodness, I have been talking to Carrington either directly myself or through our housing counselor almost every week for MONTHS now! Why would they not even so much as mention this and WHY would they continue asking for documents for the modification process from us as though everything was smooth sailing?! I also thought they didn't even own sufficient rights to our loan to be able to do anything of this nature!
Our housing counselor did put us in touch with an attorney who handles this sort of thing and he is sending this attorney about 150 pages of documentation from our file, which he will get on Monday. I also wrote a letter to sent to the court and to Carrington's attorney stating that we NEVER received any of these notices that they claim to have mailed and that we have been working very closely with Carrington over the past many months to try to obtain a loan modification, yet they went and did this behind our backs! I requested the court that if they receive a writ request from Carrington or their attorney to NOT DO IT as we never had proper notification about any of this and we have been working with Carrington this entire time to try to obtain a loan mod!!!
Has anyone else every been through this or anything similar? We have no idea where we would go if we were totally uprooted and lost our home! We have 4 Golden Retrievers who are literally our babies and rents around here for single family homes are INSANE, almost twice that our mortgage payment was. Plus, our credit is not in the greatest shape right now after my husband's prolonged illness. The last thing we want to do is have to move in with my elderly parents. Their house is not large enough for all of us.
Can anyone offer my any advice or calming words? I feel like our entire world has been flipped totally upside down today. This came out of NOWHERE!
I wasn't sure which category to post this under.
A very unfortunate, upsetting, and beyond frustrating set of circumstances bring me here today. We bought our home in the spring of 2008. Our mortgage loan was a USDA loan that was originated by Taylor, Bean, and Whitaker. As many of you know, in the summer of 2009, a little over a year after bought our home, TB&W was shut down by the feds and the owner was sent to prison for many years for mortgage fraud. Our mortgage was then transferred to Bank of America, whom we were with until 2014, when it was then transferred to Carrington Mortgage Services. Unfortunately, a couple of years ago, we fell quite a few months behind on our mortgage payments due to my husband becoming very will and underwent open-heart surgery and was out of work for an extended period of time. At the time, we were told that we would not be eligible for a loan modification because we had received one the year prior and you can apparently only get then once every 2 years. Carrington basically just told us to wait until we were eligible (which was the end of 2018) and then apply for a modification, which we did. However, about a month before we were eligible, we were served with foreclosure paperwork (this was a little over a year ago). I then contacted the Carrington's attorney listed on the foreclosure documents and they advised me to go ahead and contact Carrington directly to try and work something out with them as far as mortgage assistance, which we did and we got the boll rolling on the loan modification application process. We went around in circles with them for MONTHS. We kept sending them documents both via fax and email, yet they would repeatedly claim that this document was missing or that document was missing and we spent months going back and forth with them. Finally, we had enough and we contacted our state's Attorney General's office to request help because Carrington was giving us such a run around. They referred us to a mortgage counselor, who we started working with. He actually had a real estate attorney look up our mortgage in the MERS system, who then informed us that Carrington did not even own sufficient rights to our mortgage to be able to foreclose on it due to improper transfers from TB&W to BOA in 2009 and then from BOA to Carrington in 2014. This attorney also said that it would be especially difficult for them to foreclose since the originator of the loan, TB&W, is long since gone and has not been in existence in a decade. I thought, "Okay, cool. I guess we're literally stuck with this house!"
Anyway, the housing counselor starting communicating with Carrington on our behalf after we signed the proper release form to allow him to do so. Whenever Carrington needed another document from us, he would let us know and we would then send the document to him and he would then send it to Carrington. The last time any documents were requested from us was about 3 weeks ago. They needed updated pay stubs from my husband, an updated profit and loss statement from me since I'm self-employed, and an updated signature page since apparently the one they had on file from us was several months old and they needed a new one. So, we promptly sent ALL of those documents to our housing counselor and he then submitted them to Carrington and copied me on the email.
I emailed our counselor at the end of last week to ask him if he could check in with Carrington for a status update since it had been a few weeks and we hadn't heard anything at all. Well, this morning I received a phone call from him. He had called Carrington and was told that our property had been foreclosed on and SOLD TO CARRINGTON on August 28th!!!! We NEVER received ANY sort of notice that anything like this would be happening! Carrington literally requested more documents for our modification application AFTER this sale allegedly occurred and NEVER said a single word about this to either us or our housing counselor! We have been in VERY close contact with Carrington this entire past YEAR and have been working with them very closely to try to obtain this modification, which we were told we were now eligible for! We sent them EVERY SINGLE DOCUMENT they asked for, and then some! Our counselor spoke with Carrington's attorney today, who claimed that they had mailed us documents about all of this, but we NEVER received them! I personally get the mail every single day while my husband is at work and the last thing we ever received from them was over a year ago, and that was when I contacted them and they advised me to contact Carrington to try to work something out with them in terms of a modification. How can they do this?!?!?!?!? This has been our home for nearly 12 years and now we could get kicked out at any given moment! We have put so much time, money, blood, sweat and tears into this house over the years to make it our own. I am so stressed that I can't even eat or focus on my work. I have been in tears and in constant panic and anxiety all day long since finding all this out. I know FOR A FACT that we NEVER received any documentation from Carrington's attorney about this impending sale! My goodness, I have been talking to Carrington either directly myself or through our housing counselor almost every week for MONTHS now! Why would they not even so much as mention this and WHY would they continue asking for documents for the modification process from us as though everything was smooth sailing?! I also thought they didn't even own sufficient rights to our loan to be able to do anything of this nature!
Our housing counselor did put us in touch with an attorney who handles this sort of thing and he is sending this attorney about 150 pages of documentation from our file, which he will get on Monday. I also wrote a letter to sent to the court and to Carrington's attorney stating that we NEVER received any of these notices that they claim to have mailed and that we have been working very closely with Carrington over the past many months to try to obtain a loan modification, yet they went and did this behind our backs! I requested the court that if they receive a writ request from Carrington or their attorney to NOT DO IT as we never had proper notification about any of this and we have been working with Carrington this entire time to try to obtain a loan mod!!!
Has anyone else every been through this or anything similar? We have no idea where we would go if we were totally uprooted and lost our home! We have 4 Golden Retrievers who are literally our babies and rents around here for single family homes are INSANE, almost twice that our mortgage payment was. Plus, our credit is not in the greatest shape right now after my husband's prolonged illness. The last thing we want to do is have to move in with my elderly parents. Their house is not large enough for all of us.
Can anyone offer my any advice or calming words? I feel like our entire world has been flipped totally upside down today. This came out of NOWHERE!