HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Illinois

In -, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away - -. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from - found indicating my interest in the property. The only deed filed with the - County Illinois Recorder was in - with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on -, - on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to -/-/- when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and - over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me -/-/-.