Supporting, Informing & Connecting People in Foreclosure
I have been scanning over the public records regarding my home. Over 26 years there are a whole lot of them. One thing that I noticed is that every reconveyance made back to me was done by the lender, except the last 2 loans(a first and second) that were refinanced into the mess I have now with BofA. Both of these previous loans were deeded into MERS(the first in 2003 and the second in 2006)
When I refid the reconveyances were both done by the sub trustee and even though the original lenders were mentioned on the full reconveyances they were not mentioned in the public records.
Then I was searching in MERS and found that neither loan was shown "paid in full" status as is the requirement per the MERS manual. They showed "Inactive" status
After the refi I was given the note from the second, but even after requesting the note from the first my request was ignored.
Then I discovered who the Investor of my first loan was, Freddie Mac
The reconveyance didn't mention anything about Freddie Mac.
After the refi (like 4 years after the refi) BofA responds to my QWR by stating that Freddie Mac owns my loan.
Does this mean anything? Is it possible that BofA didn't pay someone? It doesn't appear that there is a smooth transfer of$$ Am I just paranoid because of the coming week?
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