I had a more serious problem with conti mortgage in New York. They bought my mortgage from foremost mortgage about a month after my closing. Unfortunately I ran into a little dry spell with cash and fell behind and late on my payments. They immediately file for foreclosure.
After pleading my guts out they finally gave me a forbearance to cure the default. While I was making payments on the mortgage they then foreclose on the house anyway, using the original date of the default which prevented me from getting enough time to fight it. They sent back my last mortgage check to me and told me it was not enough. When I questioned them about the forbearance and the the promise to refinance my mortgage they told me that they did not promise to refinance but that they would consider refinance. And just like that I lost my home to conti mortgage.
Reggie
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