National Savings and Mortgage, have done whatever it takes to obtain a sale of a mortgage loan including implicating a seller of real estate to create, prepare a Warranty Deed to real estate property with disregard of the validity of the title [Deed] to the property.
For the Seller to prepare the instrument [Deed] is practicing law without a license.
NETCO, agent of Fidelity National Title, and National Savings and Mortgage, prepared documents that look very believable until they question their own transactions when a claim was brought to their attention. They themselves ask how did this happen.
They failed to honor all written agreements prior to loan/mortgage including purchase agreement, Good Faith Estimate. They mortgaged real estate that should have never been mortgaged. They validated a invalid loan creating a invalid lien on real estate by failing to honor prior agreements in which would have disclosed any or all defects of title.in simple; The Evidence is the Deed itself and what it conveyed. The first item any one of authority should have examined.
Not only did they fail all the written agreements they misrepresented to us that the Title Insurance Policy they gave us was our insurance. When in fact it was the lenders. Now we haven't any insurance, we have lost the right to be able to sell and or claim any loss from their mistake. Along with the mortgage that should never had been approved.
The full misrepresentation boils down to the home that is attached to the lots does not exist. Our paper work shows we only purchased two lots. The description of the conveyance can not be corrected because the home is encroaching a public highway [12] feet and has been prior to our purchase so, this would explain why all written agreements were not honored.
Fidelity National Title Insurance, wants to know why we built the home in the road.in their defense, it is a good question but, we did not build the home. So I, would like them to explain to me why they did not recognize it in their Title Search. I would like to know why we were given a Title Insurance Policy that is worth nothing, including many other questions with regards to their responsibilities of a Title Company and its duties of their examiner.including the dealings they have with the Broker, National Savings and Mortgage who would instruct someone to break the law.
I am sure there are many people who own a home and do not know exactyly every detail of their home purchase transactions until in need, many years could pass before they are aware of something happening like this.
Even having an attorney does not guarantee the correctness of the complete transaction.
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