Seterus Mortgage Complaint

Seterus Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

I am a surviving spouse of a property held in Joint Tenancy in the state of California. I am on the Trust Deed but not on the loan. I have since filed an Affidavit of death ( By Surviving Spouse ) at the - Recorders office, and title has been placed in my name solely, as allowed by California Probate Code -. Since the passing of my wife it has been difficult for me to maintain payments on the note for the last 2 and a half years on my income alone. After careful consideration, I have concluded that the best option for me at this time is to try and have the lien holder approve a short sale, instead of letting the property go to foreclosure. I am still underwater on the property approximately $80000.00 dollars, with the majority being owed to the - lien holder. I have a real estate agent and a short sale negotiator working on the file, but the Servicer of the first loan Seterus is holding up the deal saying that I am not authorized on the loan, and that I need to go to probate to get authorization from court to sign on my deceased wife 's behalf. I have consulted with an attorney and I do not have the fees requested in order to file a case. It is my understanding that the purpose of holding title in Joint Tenancy is to avoid probate. The short sale negotiator has informed me that - who is the investor on the loan has approved the short sale, but for whatever reason Seterus who is the servicer only, is denying the short sale. I currently have an accepted offer on the property and would like to proceed with the sale. Your assistance in this matter is greatly appreciated.