Posted on: 16th Feb, 2006 03:49 am
:shock: hello. I am in marana arizona. I have a loan on my land/mobile home with a private person. she paid my mortgage off in full and I worked for her. I made 3 payments then she took my mortgage off my paychecks each month for about 8 months. well heres the problem. she filed paperwork to foreclose on my hom saying I owed the entire 8 months. I got a lawyer and stopped it. however this woman is still the owner of my land/home. I have been having the worst time just trying to find a mortgage to pay her off and have my peace of mind, and normalcy around here. my wife and I both have good income, she at american airlines, I am disabled- our monthly income is about 3500.00 verifable. my credit score is 578 hers is 560. we have no foreclosures, repossessions, judgements. she pays child support and our insurance out of her paycheck and works a second and third part time job to make extra money. we have lived here since 2003. I bought the land in 1999 and we moved a 1996 mobile home onto it in 2003, we built a 8k fence around the entire 4.12 acre property and I built an additional shop for 22k next door. I had an appraisal done in december that came in at 145k for the entire home/land/shop/everything. my loan is only 105k well within a doable loan. the mobile is anchored onto a concrete pad the entire size of the mobile home, and footers were dug and brick/block skirting was installed around the home- the home cannot be moved without destroying it. we live here with our 13 year old son and because I was the first person to move out here and develope my parcel I put in the road/utility easement- well I went to the county and got the road named after my family- so the three of us live on "WAITE ROAD" it is actually legally named after us/my family. now we are facing this woman who will not tell anyone on my behalf that I made my payments on time, and/or worked them off for her. because I can`t prove that one stoopid thing I am facing not being able to get a loan and losing my families home. someone please tell me that there is something I can do to save my house/land. this is all we have right now and with me being disabled it is REALLY all we have. there has got to be a way to get a loan and save this house. again my loan is for 105k and the appraisal was 145k. my interest rate is 7% and my monthly payments are 635 without taxes and insurance added in, I pay those all seperatley by the year. we can prove everything on paper, our incomes, where we live, our families are all from here over 60 years each, we are not bad people, we just need some help right now.
michael waite
(520) 682-3344 home
thank you very much for listening. :!:
michael waite
(520) 682-3344 home
thank you very much for listening. :!:
:shock: good morning all, :shock: thought I would write and see if there might be ANY good news today ? thank you all again for any help/advice you can give ! :o
Good morning,
Welcome to MortgageFit Forums.
We are after your request and you will be personally contacted soon. Don't worry; you won't be left alone by us.
Be assured of our support and have a great weekend. :) Get back here whenever you wish. It's a pleasure to have you here.
God bless you.
For MortgageFit,
Samantha
Welcome to MortgageFit Forums.
We are after your request and you will be personally contacted soon. Don't worry; you won't be left alone by us.
Be assured of our support and have a great weekend. :) Get back here whenever you wish. It's a pleasure to have you here.
God bless you.
For MortgageFit,
Samantha
Good morning Michael,
Today you look fresh to me and more relaxed. Thats good to see. Dont worry just believe in GOD.
He will take care.
Today you look fresh to me and more relaxed. Thats good to see. Dont worry just believe in GOD.
He will take care.
self delete
ckalvesmaki,
It's great to have another mortgage professional on the boards. However you cannot be soliciting business. This is forum is for posting your experience or advice. Please make sure that you read the terms and conditions of this forum. You can sign up and have your name listed as a broker, however direct solicitation is prohibited.
It's great to have another mortgage professional on the boards. However you cannot be soliciting business. This is forum is for posting your experience or advice. Please make sure that you read the terms and conditions of this forum. You can sign up and have your name listed as a broker, however direct solicitation is prohibited.
Hi,
I agree with Cliff, one should not be soliciting business. Actually we do follow some policies and rules in our forum. Our forum is open to all who wish to offer their advice and share their experiences with others. Anyone is open to present a loan offer, but it can be through private messages or direct emails.
Regards,
Jessica.
I agree with Cliff, one should not be soliciting business. Actually we do follow some policies and rules in our forum. Our forum is open to all who wish to offer their advice and share their experiences with others. Anyone is open to present a loan offer, but it can be through private messages or direct emails.
Regards,
Jessica.
deleted........PM Sam if you have a question
well cliff just emailed me and he again came up with another NO !!!!! I am not sure why this is so hard- there has to be a lender out there who does mobile homes. 25 miles in any direction of my house are mobile homes.- HELP !!!!! I am just about ready to throw it in !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Hi,
Welcome again,
We are following up with your query. We have a network of lenders as already told to you.
If someone failed to meet your requirement then some other member of our community will take up your case.
In any case I am again forwarding your urgency to our loan department to arrange for you at the earliest.
We shall try our best. Have faith on us.
God bless you.
For MortgageFit,
Samantha
Welcome again,
We are following up with your query. We have a network of lenders as already told to you.
If someone failed to meet your requirement then some other member of our community will take up your case.
In any case I am again forwarding your urgency to our loan department to arrange for you at the earliest.
We shall try our best. Have faith on us.
God bless you.
For MortgageFit,
Samantha
Is this a double wide or single wide?
sorry guys the frustration is getting thick around here. I apologize. it is a 1996 double wide on a concrete foundation with block skirting and 4.12 acres of land with a 40`x50` steel building/shop built next to it also on a concrete foundation, with a 5 foot tall chain link fence installed around the entire property line and 3 big gates. thanks
Hi,
Your anxiety is quite natural. That detail of yours will help.
As you know that the terms and programs offered by different lenders are different. Some may find your request suitable while others may not.
We are in the process of your loan request and putting it forward to the different lenders in our network.
I request you to give us some time. You can get back here anytime you want.
God bless you.
For MortgageFit,
Samantha
Your anxiety is quite natural. That detail of yours will help.
As you know that the terms and programs offered by different lenders are different. Some may find your request suitable while others may not.
We are in the process of your loan request and putting it forward to the different lenders in our network.
I request you to give us some time. You can get back here anytime you want.
God bless you.
For MortgageFit,
Samantha
hello, thought I would check in and hope for the best ? thanks.
Hi Michael,
I think MortgageFit is sincerely trying what best they can do for you. I am following this community closely and have seen them working hard in serving people.
Most of the times, they have succeeded to satisfy consumers with their sincere efforts and believe me, they don't give up easily.
Let's hope you get your requirement fulfilled with them.
Regards,
Blue
I think MortgageFit is sincerely trying what best they can do for you. I am following this community closely and have seen them working hard in serving people.
Most of the times, they have succeeded to satisfy consumers with their sincere efforts and believe me, they don't give up easily.
Let's hope you get your requirement fulfilled with them.
Regards,
Blue
well blue thanks- I also have faith in them as I have watched for awhile before I was comfortable enough to air my laundry- but it was time to get on the ball and if I did`nt have faith I would not have tried !!!!!