When I defaulted on my original hud mortgage hud took over after 90 days. Problems with them went on for almost 16 months until they sold it to my new best buddies - OCWEN. Now as most of you seem to suspect my problems started.
The math became a joke, questions about it recieved vauge and undecipherable answers and when asked why I was still being charged hud insurance fees and their was no longer hud mortgage insurance they denied they were doing so. Now I was curious because my note included P.I.T.I. And no escrow increases had arisen on top of that my $35/month hud ins. Was still in the payment.
7 years later, numerous inquiries and little or no answers I was able to refi. Late fees incorrect postings, phone fights, and a principle balance that seemed to be virtually frozen in placei was at LONGGGGGG last able to saylater to all those accents I was unable to understand.
Still want to know why the payoff was a couple thousand more than my perpetually late statements always said. Will continue reading with interest.
P.S. I also purchased my own home ins. Even though it to was still being charged in my P.I.T.I. Mortgage; still want some straight talk after all these years.
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