Bank of America Mortgage Complaint

Bank of America Mortgage department,

FHA mortgage Settlement process and costs California

Until approximately 2 years ago I believed that in - of -. I had purchased a manufactured home on a lot that would qualify for FHA financing. I was forced to stop making in payments in - - because of a job loss. After several years of trying to figure out why B o A refused to assist me with my very deeply underwater mortgage, I filed suit against Major Mortgage with B of A as successor in interest for appraisal fraud when I discovered that my house had been moved from where it had previously been lived in ( in violation of - underwriting guidelines ) and that the appraisal was fraudulent. Several investigational activities were conducted and it was later discovered that the original title report was performed only on the lot and did not include the house. This issue was not part of my original suit. Additionally, I discovered that the State of Nevada performed an investigation in - and determined that Trust # - with - -, and - and - - - as beneficiaries did not own the house. They in fact never owned the house as claimed at the time of the alleged "


complete the process of converting the property together with the home as real property. I was never notified of this investigation. On - -, - the State of Nevada Department - issued an Erasure Affidavit stating that " ... - was not the owner '' as the house had been repossessed. '' It seams that a - - - - was still the owner of record with - - as lien holder. This remained the case until - of - when title to the double wide was finally transferred to me. This appears to be a clear violation of - rule stating that the " ... sale of a property must be from the owner of record and that the transaction must not involve any sale or assignment of the sales contract. '' Bank of America- Foreclosure Services filed a Notice of Default on - - - against a mortgage contract that does not exist due to the fraud committed by the seller and as per - - regarding the voiding of conveyances made to defraud prior or subsequent purchasers of real estate. The filing of the NOD as well as the fact that they are ignoring my Notice of Rescission ( based on the lack of legal conveyance of the title to the house at time of " sale '' - you ca n't legally sell a house you do n't own ) dated - -, - is a clear indication that B of A and - have no regard for the law and hope to profit against the frauds committed against me. Mediation was conducted in -, - - - -, -. The local attorney contracted by - - ( foreclosure mill ) the day before showed up without a copy of the appraisal and without the authority to negotiate anything, but with an utter disregard for the facts regarding this case.