How can I find who holds the note or lean to our house

I would suggest you to contact Select Portfolio and they would be able to let you know as to whom they've sold the mortgage. If the lender does not help you, then you'll have to contact an attorney in order to deal with them.

We have tried over twenty times,over the phone in writing and by e-mail and each time they give us a company that supposed to be holding the mortgage, and low and behold no one has ever heard of us.We did try to find an attorney but each wanted twenty to twenty five thousand as a retainer because it could be in the court system over five years.So we went pro-SA. The judge in the case only let us sue for violations on the fare dept and collection act. We lost the case but won our appeal,so we have to start all over. But hind sight being 20/20 we are going with at least seven new charges. Checking select's web site our loan no longer shows up at first and we are told we will be told at a later date whats going on. All we need is an attorney that can guide us on a few things

i find it difficult to believe that you can't get legal advice for this matter that wouldn't cost far less than $20K.

have you taken the time to stroll into the land records to find out for yourselves the transfers that might have taken place from one lender to another? is select portfolio simply the servicer, or were they the original lender?

and i don't understand that if you won an appeal of your lawsuit...why would you need to begin again?

0I have a question and maybe you can assist. I have a cosigner on a mortgage who is my exhusband who I remain friends. He is also considered to be the "coborrower" on the mortgage. Our lender is stating that we both "intend to occupy" the home and he will also be on the home owner's insurance. In both cases he will be considered as primary resident of the home. Here is my question. Why is it that he has to be consisered primary resident if he is the cosigner? I thought I made it clear when we applied for the initial loan application. Seems things were more informal then terms kicked in as all of the paperwork started. My ex inherited a home where he currently resides, has home insurance as his primary residence and our 2nd home where we lived as a married couple which he plans to rent until he sells. So he currently owns 2 homes. I wanted to purchase my own home and he was just going to help me with cosgining etc. Now it has turned out to be a much bigger deal. Is there anything we can do to clarify? Are all Lender's the same way with the cosigner terms? Any advice or suggestions would be helpful. Also, do you know if I can put my name only on the title since in reality I am paying for the home 100 percent, and I will be paying half of the house price as down payment going in

hi stephanie!

welcome to forums!

it is not mandatory for the cosigner to be a primary resident of the property. if you want to remove your cosigner from the property deed, then you can refinance the mortgage in your name. then you can even change the insurance in your name.

feel free to ask if you've further queries.

sussane

Stephanie, you must have found a fool to do business with. A person who is merely a cosigner need not occupy the premises, especially when you've already described the situation to your lender. Stick to your guns and let them know this ridiculous mistake they've made and that they cannot require your cosigner to move in with you. Perhaps the loan officer foolishly thought that intimating that your ex was going to live there would strengthen the file and garner an easier and quick approval. Some loan officers aren't too swift, you know.