Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure California

In - my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in -/-/- we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In -/-/- a second was taken out which was a joint loan and therefore changed title on property. After finalizing the refinance in -/-/- a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only - as the sole owner and I as non existing. On -/-/- -, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,,


In -/-/- I was placed on - due to health issues seeing I am not - years old at the time of - 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming - grand children was absolutely daunting. After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. The deed to the home is now in my name going through paper work we found copies of the -/-/- loan where on - different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. The loan is current and in good standings however - of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my - issues