Years ago I did an assumption with GMAC/Dilbeck. It took one letter and was done in less than 30 days. With Chase Loan Assumptions Dept. I have been bumped and bounced around from Ohio down to Florence, SC trying to get an assumption (a name removed from the loan) into my name only, and not because of a divorce or settlement. A simple clean name removal.
I started this process in April. This was a full doc disclosure which i gladly submitted all original documentation. It is now the end of December and I finally received a denial based on "too many inquires in the last 12 months, " and several other ridiculous factors. My credit score is 809 and i make a decent living as a teacher for Los Angeles School District (even with hours cut, because of Los Angeles District fiscal stupidity, but that's for another report.)
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