Homecoming Financial closed our loan in without an attorney present to start with and that is illegal in South Carolina. They did not pull a complete title search on my property or they would have known we have 3 lines/judgements (that are from my brother in law, from him inheriting 25% interest in my property for 2 months, after my husbands dad passed away). My husbands dad was a cosigner on our property. So Homecomings Financial is not even first lienholder on our property and they do NOT even have a title commitment on my property, which my attorney can not believe. They sent a notary to my house to sign my loan and agin I tell you it is South Carolina's law that an attorney is present at closing. They tried to foreclose on my home once and we paid them over $6000.00. But we have been misled, if they would have pulled a complete title and had an attorney present at closing then for one Homecomings would not have closed our loan and an attorney would have made sure we had a clear title. We would have never signed a 3 year adjustable rate with Homecomings if we would have known we had liens on our property. We did not learn about the liens until after the 3 years with Homecomings and we tried to refinance our loan, which was May 16. Now our rate is going up every 6 months, which means our mortgage payments goes up at least a $100 every 6 months. We started at $960 a month and are now at $1210 a month. Starting Dec 1 it will go to $1300 a month. And by the time Homecomings has gone as high as they can to almost 15% by law (quote on quote from a Homecomings employee) we will be paying $1500 a month on a house that appraised in May for $118,000.00. Tell me where the justice is? We are going to lose our home, all because we signed a loan with this company that did not pull complete title and inform us that we would not be able to sell nor refinance our home... Man, did they get us. I am fighting this every way I can and will continue to. We as consumers have been lied to and misled by Homecomings Financial... We will not stop here. I would just call them and tell them come get the keys and take it, but I have a child ready for college and I care about my credit. I can not ruin my credt, I have a college education for my child to pay for and need good credit in order to find another place to live with children... Please someone tell me what to do?
Thanks
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