Mortgage Documentation Concerns

Summary

In Georgia, lenders must record mortgage assignments with the county clerk. If not done, it may indicate non-compliance. Contact the county clerk to verify records and consult a real estate attorney for guidance. If the original lender is out of business, contact the successor for clarification. Report any suspicious activities to authorities.

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I’m receiving a letter from a mortgage company servicing me now but I didn’t receive any signature cover letter about the sell and the logo for PHH Mortgage is coming in Black not like there original color . When I go on websites I can’t create account
It sounds like you might be dealing with a potential mortgage scam or an issue with your lender. Here are a few steps you can take:
- Verify the legitimacy of the letter by contacting PHH Mortgage directly using their official contact information. Do not use any contact info from the letter.
- Report suspicious communication to the Federal Trade Commission (FTC).
- Consider checking your credit report for any unauthorized activity.
Is there anything specific you'd like more information on or help with regarding this situation?
Yes, there is no account number only a loan skey.
It seems like you're dealing with a potentially suspicious situation. Here are a few additional steps you might consider:
- Contact PHH Mortgage: Use the official website or phone number to inquire about the letter's authenticity.
- Loan Skey: Ask PHH if the loan skey is valid or recognized.
- Legal Advice: You may want to consult a local attorney for personalized guidance.
Would you like help finding local legal assistance?
I have a reverse mortgage but all new lenders that purchased never documented the new purchase in the county clerks office is this suspicious
Case Rating: *
It could be suspicious if the new lenders have not documented the purchase with the county clerk's office. In New York, lenders are generally required to record new mortgage assignments. This might indicate potential issues with the lender's legitimacy or compliance.
Have you tried contacting the county clerk's office to verify if any updates were made?
I have a reverse mortgage but all new lenders that purchased never documented the new purchase in the county clerks office is this suspicious In the state of Georgia
Case Rating: *
In Georgia, lenders are typically required to record mortgage assignments with the county clerk's office. If this isn't done, it could indicate non-compliance or other issues. You might want to contact the county clerk's office to confirm any updates or discrepancies. Additionally, consulting with a local attorney for personalized advice might be beneficial.
Would you like more information on how to proceed or any other assistance?
Yes, I contacted the county clerks office and they only have the original lender
Case Rating: *
It seems like you're facing a complex issue with your reverse mortgage. Here are some general steps you might consider:
- Contact the original lender for clarification.
- Consider reaching out to a real estate attorney for further guidance.
- Report any suspicious activities to the appropriate authorities.
Is there anything else you'd like to know?
The original lender went out of business and it was a merger bank OneWest
Case Rating: *
It sounds like a complicated situation with your mortgage. Since the original lender went out of business, I'd recommend:
- Contact OneWest or its successor to clarify the merger details.
- Consult with a real estate attorney for advice.
- Report any suspicious activity to authorities.
Is there anything specific you want to focus on next?