The balance on my EMC Morgage loan is less than $9,700.00 (Home Value $98,000) to pay the loan off with EMC Morgage, but EMC refuse to release the title in my name. Therefore, the EMC loan is not in my name, but the house is in my name and EMC refuse to change title information over in my name without me asuming the loan and running my credit.
I am not sure if EMC is doing the right thing because of the telephone conversation I have had with EMC "Underer Writer". The house was has a warnty deed inmy name and my mother ElDora Lay passed in January and I have been trying to assuming the loan, but EMC has not been any help and there has also been lost in paper work. I am not sure if to hire an attorney because of the small blace on the loan, but EMC stated if I do not go through the assumption process the title will not be release in my name and the intrest on the loan is 12% and I can not have the loan refinace because the loan does not have my name and I am confused.
I have been paying on the loan since 1999 and EMC is aware of this because I copies of checks to prove my aligation and other issues in regards to EMC. If there is anyone who is able to give me any advise pleae feel free to contact me through the rebuttal key.
Chayo
APPLE VALLEY, California
U.S.A.
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