Obtaining a copy of mortgage loan documents?
I bought my house 3yrs ago and I never received a full set of copies of my loan documents. No I am having trouble with my mortgage and I am facing foreclosure, I want to have a loan audit performed and I am not sure how to grasp a hold of a copy of these documents. I have tried the escrow company, the mortgage company and the title company, they all claim not to enjoy a copy. The title & escrow companies only have copies of what be recorded. I would greatly appreciate any advice or serve.
Thanks
"> Your county recorder's office will surely have a copy.
I work for a title company as an escrow officer, and our policy is to at smallest keep a copy of the Note and Truth in Lending document (in calculation to the recorded documents) Sometimes we keep more.
We manifestly make sure that you are given a full set of documents when you sign. (Did you look for a long envelope that didn't fit in your wallet cabinet - usually some of the documents are printed on legal size paper, so our folders are particularly legal size) (Sometimes, if the escrow company is really advanced, they could have given you a disc with copies of everything.)
Did the escrow company actually look within their escrow file? Only being three years ago, it shouldn't hold been destroyed yet. It may bear some time to dig it out of a dungeon, so busy escrow officers may be reluctant to look, and hope that you can find the documents that you already sent. (Of course, I wouldn't do that! - my employment is to make our customers happy so that they want to use our company the subsequent time)
Some companies, including mine have "paperless" files. In that case, resembling I said at least the Promissory Note and "Truth in Lending" should enjoy been scanned within. Even a copy of the "lenders instructions to escrow" might be helpful to you in researching what you are looking for.
Did you ask the lender? This is recurrently a different entity than the mortgage broker. Who did you make your first payment to? Is it duplicate lender where you make payments to immediately? Often the "Beneficiary" is assigned when a different company "purchases" the interest of the lender. Sometimes they have a different company "service" the loan. I know it can be confusing, but someone should have the documents that you are looking for.
Good luck.
Related Questions:
How much do mortgage loan originator mostly construct?
A mortgage originator will generally make between 20-50% of commissionable income on a loan. Commissionable income is described by any payment charged by the broker (broker fee, application fee, processing allowance, etc) and yield spread. Yield spread is the percentage of the loan...
Thanks
"> Your county recorder's office will surely have a copy.
I work for a title company as an escrow officer, and our policy is to at smallest keep a copy of the Note and Truth in Lending document (in calculation to the recorded documents) Sometimes we keep more.
We manifestly make sure that you are given a full set of documents when you sign. (Did you look for a long envelope that didn't fit in your wallet cabinet - usually some of the documents are printed on legal size paper, so our folders are particularly legal size) (Sometimes, if the escrow company is really advanced, they could have given you a disc with copies of everything.)
Did the escrow company actually look within their escrow file? Only being three years ago, it shouldn't hold been destroyed yet. It may bear some time to dig it out of a dungeon, so busy escrow officers may be reluctant to look, and hope that you can find the documents that you already sent. (Of course, I wouldn't do that! - my employment is to make our customers happy so that they want to use our company the subsequent time)
Some companies, including mine have "paperless" files. In that case, resembling I said at least the Promissory Note and "Truth in Lending" should enjoy been scanned within. Even a copy of the "lenders instructions to escrow" might be helpful to you in researching what you are looking for.
Did you ask the lender? This is recurrently a different entity than the mortgage broker. Who did you make your first payment to? Is it duplicate lender where you make payments to immediately? Often the "Beneficiary" is assigned when a different company "purchases" the interest of the lender. Sometimes they have a different company "service" the loan. I know it can be confusing, but someone should have the documents that you are looking for.
Good luck.
Related Questions:
How much do mortgage loan originator mostly construct?
A mortgage originator will generally make between 20-50% of commissionable income on a loan. Commissionable income is described by any payment charged by the broker (broker fee, application fee, processing allowance, etc) and yield spread. Yield spread is the percentage of the loan...