Hi all! I have been researching the internet like a nut...I came across this group & thought, while I'm not dealing with a foreclosure situation, I am dealing with quite a mess. I thought MAYBE I could seek out some advice from people who are more knowledgeable than myself. For starters, I'm just a wife & mom, I thought I was buying a house, figured all involved (seeing this is what they do for a living & are regulated by federal laws) were doing what is protocol for a home purchase. It January 1996, I signed a "lease to own" agreement that was drawn up by the homeowners lawyer. Well, they never did. I still have a copy. I paid all of my monthly payments as agreed. I decided I was interested in purchasing the home. So, I contacted a broker...he suggested I do a "refinance" on the property...that way I wouldn't have to come up with money down, etc. So, in August of 2003, the homeowners added me to their deed. I lived in Baltimore MD at that time, this was a second home...the closing agent (who's office was located in Owings Mills, MD) came to my home to sign. It was May 4th, 2004. It was just her & I at this closing. I (like many others, don't understand half of the documents) therefore, just signed where I was told. The loan funded, the now previous homeowners had been given a check for the amount of equity in the home that had originally been agreed upon...YAY, I finally own it. Well........I want to sell the home now. So I called a real estate agent to list the property. She said, "Tiff, I cant sell your house". WHY...because there are 2 other peoples names on your deed. WHAT??? Those 2 people being the previous home owners. They were supposed to sign a Quit Claim upon disbursement of funds. Ok I thought, I'll just call him & his wife & tell them the situation & ask them to sign off the deed. Noooo, he wants more money to sign off the deed...in a tune of $30K... he has NO grounds. This is unbelievable. So, after crying, I decided to call my bank & tell them what was going on. The funny thing is...they were fine with the situation. So, I asked them to send me a copy of ALL my closing docs. I called my county & requested the docs they had. Once I received a copy of my closing packet from the bank, I noticed a BIG problem. Yes, every paper had my name on it...the HUD, settlement, yada, yada, but the deed of trust had been altered from what I signed & was given copies the day of closing. Their names had been typed in above mine on the front page & on the last page...my name was clear & signed on a dotted line...their names looked as if they had been copied & pasted? You know how a faxed signature looks grainy & had strange dark spots around the letters of the signature itself? That's how this looked. The line they signed on was straight not dotted. THE BIGGER issue for me was that when I signed that document, I was the ONLY name on the doc. (I think I would have noticed their name being attached to my deed of trust) The closer & I were the ONLY ones at this closing which again took place in my home in Baltimore MD, she notarized it there & all. The other 2 names were NOT in my home...they lived in Charlotte,NC. So, I signed it, the notary signed & stamped it...that paper read, I, (notary's name) a Notary Public, do hereby certify that (my name), (then just above my name was crammed & typed in their names), personally appeared before me this day & acknowledged the due execution of the foregoing instrument on this day May 4th, 2004... I couldn't believe what I was seeing. Not only had this been added after it left my home, but it was a complete lie. These people were NOT at my home. Plus, the bottom of every page of the Deed of Trust, I had to initial. All copies still had my initial EXCEPT the very last page I just described above. So, I then call my county's register of deeds....they tell me that all 3 names are in fact on the deed & because the Deed of Trust did not change, then neither would have the deed. OK, so, I call the closing company. They tell me that my file is so old..it would take a couple of weeks to order out of storage & that (this woman...I'll call her Sue) would be calling me back as soon as she received the closing package in hand. OK, so while I'm waiting on that...I decide to look at the Closing Instructions for Closing. There under "PROPERTY REQUIREMENTS/ UNDERWRITING/ CLOSING REQUIREMENTS" I see, plain as day.... DEED TO BE EXECUTED GIVING (MY NAME ONLY) FULL INTEREST IN PROPERTY, TO BE RECORDED WITH MORTGAGE. So now it looks like I need to call the Title Insurance company. I call them, they were sold to another company. I track down that company & phone number...call them, I know I made over 30 phone calls. All which would say my policy was located in another office. I don't have a copy of my Title Insurance Policy. I NEVER received a copy. I finally spoke with a woman today that (I guess felt sorry for me) She finally called me back @ 7pm this evening to tell me the reason no one could locate my policy is because my name was NOT on the policy. ONLY the 2 precious home owners. She said she spoke with her superior who forwarded her a copy of the policy but that he had called a short time after the e-mail to tell her that the policy had been written wrong & to tell the home owner she would do her best to track it down & get back to me. Well, she actually told me this. She said this gentleman told her it would need to be "doctored" before they could send it to me, but again, to keep me in the dark until that could happen. She told me she wanted me to keep her name out of it, but that she was forwarding me the e-mail where they had been corresponding. I get the e-mail & I COULD NOT BELIEVE WHAT I WAS SEEING. This woman kind enough to attach a copy of the original policy (which she told me to tell anyone interested, that I had located it in the closing packet that I already had) but as I'm reading this e-mail...(small world) the woman "Sue" I had spoken to at the closing company asking for copies of the closing packet (that she would have to order out of storage) I see HER name..."Sue" had e-mailed this gentleman yesterday telling him that it was URGENT that he call her. That she had a client that wanted a copy of the original closing package & there were some issues that needed "fixing". Remember, this was the same man....(this woman at the title insurances co.) her superior that she had sent the request to...who told her to put me off until it could be doctored.
NO one I have talked to can believe this is possible. That it's the craziest mess they have ever heard of. Honestly, the worst part of it all...there is NO WAY I can possibly afford an attorney. PLEASE HELP ME...PLEASE!!?? I don't know what to do. I've called the FTC, OCC, Attorney Generals office, none of which are any help. Has anyone ever heard of anything like this before? Do I have a recourse, a case, a leg to stand on?? I'm stuck in a home, that I have FULL financial responsibility for but can't sell. Every mortgage payment I make is just putting money in the other peoples pockets, because again, on the Deed of Trust & Deed...they have one half vested interest in. I'm going to lose my mind. Now that I've wrote a novel, thanks so much for listening...any suggestions are so very, very appreciated!