EMC Mortage bought my mortgage from Option One in July and added forced place insurance along with escrow, forcing me to pay twice the amount of the orginal mortgage. I requested that the escrow be droped and I reguested that the mortage be refinanced. I was told that EMC was a investment bank and did not finance a mortage once they held a mortage. From the period of July to April I was trying to refinance with Nations Mortgage in CA and other mortage brockers.
During this period I was held back by my credit report and several disputed claims on my credit.in Oct. Of I was ripped of by American Housing Authority, whom reguested that I send them good faith money as they put it come between me and EMC to refinance the mortage in a forebearence program. After a period of 30 days they wanted additional funds and broke with their orginal terms.
I recieved a letter in Oct. And was tolded that I would need $9,210.90 to reinstatethe mortage which was more than what American Housing Authority, orginally stated was needed to reinstate in mortgage. I could never reach anyone from Baum and was put on holded through a automated phone system for over and hour each time I needed to talk to some one. My personal attorney Peter Skivington send letters in vain for they put up a smoke screen arround what they truly intended from the start to put the mortage in defualt.
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