Hi I got hurt at work and after almost 12 years they settled with me and I got lump sum and got a house with it.
My spending has always been out of control so from the time I got the house in 2002 until now I've refinanced every year or just about the last two times put us in bind as the payment was alot. The last of which made through a company pulled this:
Get a mortgage to merge everything at a higher rate then in six months when your credit gets better we will refinanced you again and get a lower rate. Well they now say they can not refinance us the market changed and we are locked into rate with payment that we can not keep paying we fear that we will loss this house and have been scammed big time.
All three companys are big time scammers even after turning me down the brooker has telephoned me again saying they want to redo my mortgage.
All our savings are gone... If we can't find someone to help... We will be forced to sale our home before lossing it to the loan servicing scammers as they probably have planned from the get go. We always wanted our own home and after 20 years of living in someone elses house rented to us or an apartment we were able to buy our own from WC settlement. Living a dream for 5 years and now after being married 25 years that dream is probably over.
We have tried with a large number of companys to try and refinance only to tell us they can't help because of the prepayment penalty that First Guarantee Mortgage Delta Funding and Ocwen Loan Servicing will not waive and put in there in the loan at the last min. First Guarantee Mortgage again promised to refinance after 6 months to get lower payment and rate but never did.
The loan we have is very hard to keep up on we have lost track of payment our other bills just to pay the mortgage and wasn't having a problem before we did the refinance through guys.
Can someone help us...
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