Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

In order to purchase the house/property ( -, -, T- - - Myself and my partner completed Origination of the loan the application process. I had a good credit score with a smaller salary job and she had a low credit score but was self-employed and made a much higher income. -, -, said that she could still make the purchase work to ensure that my partner was on the Warranty Deed ( title ). She said how it is done is to list our incomes together but only use my credit score. If you look at my exhibit A : the Uniform Residential Application where is states who should be placed on the title its says - and - ( myself ). I was originally approved for $180000.00 with my credit score and income. We negotiated a purchase price of $210000.00 with seller. With closing costs it came to $210000.00. The application came back approved from Countrywide but that stated that we would have 2 separate lenders, but it somehow was all mixed up together.


also stated that the property was located in - which it is not. 6 months later she called me and stated that - had to be removed from all the paperwork because the bank said she could not be on the deed if she was not on the loan because she would not be able to be held financially responsible for the property. - - somehow got the deed released but she did n't remove - from the Deed of Trust. - did n't have - on any of the paperwork at first. Look at the 2 Deeds of Trust, they are the only papers that are notarized and hand writing by - -. Between - and Countrywide all of the paperwork for both loans got mixed up so we never really knew who was the originator. Both deeds of trust have the loan number on Exhibit A1 as -. Apparently in - Bank of America bought this loan from Countrywide. In - we got behind in our mortgage payments and Bank of America assigned the Deed of Trust to -. The original lender was supposed to be -. This assignment was robo-signed by - - ( who was found to be one of the most well known rob-signers who is affiliated with multiple law suits ) from Bank of America ( loan - ). After that, -/-/- - appointed it to Reconstruct ( loan - ), recorded in : clerk 's file -. -, in book -, - -. On -/-/- Reconstruct released the lien on one of the Deeds of Trust. Page 7 in the Deed of Trust, which is recorded in - -, exhibit A1 states ( the description of the property - the loan number is -, the same as the loan number on the first deed. Recontrust was only appointed to one loan ( - ) Deed of Trust on -/-/- we where told that because of the robo-signing we would have the loan released for -. The only deed of Trust Recontrust was appointed to as substitute trustee for was the Deed of Trust for the loan amount of $180000.00. So it has been released because Recontrust was never appointed to the second deed of trust. How can two different lenders have the same loan number and exhibit A1 for 2 different deeds. We were told by Bank of America that because of the robo-signing we would have the first loan released by Recontrust. Shellpoint mortgage ( who has the mortgage now ) said that they ca n't help us with the origination of the loan issue but how can they service the loan that has already been released? See attached for further explanation.