Well, I hadn't thought that we were having problems with Homecomings Financial that were too terribly bad. We got behind on our payments about a year and a half ago and got a repayment plan which we finished. We then got behind earlier this year and are supposed to be getting a new payment plan. We already made one payment, and my husband called to say we had not heard back to get on new repayment plan. They said they didn't realize that and would start it in August (the 1st).
In the meantime, we talked to our realtor and signed paperwork to put house on the market in order to move back to our home state. Well, our realtor called and said she had checked with our county and the deed isn't in our name! Backing up a minute... Back during the first "foreclosure" threat, we came back from being out of town to have a note on our front door that our house had been sold and something about cash for keys. We were frantic all night (I even called the lady - a realtor I believe - at midnight who told me it was sold). The next day we talked to Homecomings and they said it was a mistake, not to worry about it. So we didn't... Now we find out our deed at the county courthouse isn't in our name and our realtor said that our property taxes were being sent to the BANK (Bank of NY/JPMorgan) for this coming year.
My husband called HC and they said that they had to put in a work order to request the information regarding that and would get back to us by the end of this week, but they are sure it is a mistake. My questions are these: Has anyone else had this happen? If I truly do not still own my house, then who have I been paying the last year and a half? I am confused and hope to get some of this answered this week from HC, but I am also going to get my husband to call GMAC and even Bank of NY if he needs to. I see on the deeds where the house was put in the banks name (even though HC said that was a mistake at the time and our house was NOT sold) but I do not see where it was ever put BACK in our name! What a nightmare... Got a For Sale sign in my front yard, but the house can't be listed as of yet... Blessings
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