I am so angry and even though happy in my location now, it is not in our name due to this theft and maybe this lease purchase will be in our name as soon as we crawl out from this mountain of massive credit hanging they did to us. EVERHOME MORTGAGE..EVERHOME BANK....Yes they were the last robbers to bring the house down on our heads causing us to walk away. From 2001 until 2010 We never missed a payment.
We may have been late a few times but after 2008 the games began. Ginny Mae from the VA was in our mess. I called the VA last week to find out what was owed and they saw the foreclosure but since they had not been notified of anything...they were interested in the part that they had no info regarding the auction or what it sold for.
I hunted and I found it.
Union Planters is who we signed with. They sold it to Regions. They sold it to Everhome Mortgage and they sold it to God knows who, a private investorwhen we modified the loan to a lower interest rate of fixed at 5 oercent but that was the beginning of their little foreclosure process. We were on a fixed rate. VA loan. It was a VA loan.
Jack and I were so happy to have a place big enough to raise the kids. We were thrilled. Of course about three years into the home, the septic tank and field drain lines all had to be replaced. We had a flood in 2010. Prior to that though we had finished mostly off the basement and turned a 3 bedroom into a 5 bedroom and added a bath so my Dad with Alzheimers could live with us and my son moved in.
The home should have never passed inspection because it cost us 8000.00 to replace all the field drain lines. This was before extra people moved in. We also were part we thought of a HOA which would not allow us to use the pool...never would let us pay the HOA dues since they considered us not part of the subdivion because three builders had a hand in building Mulberry Ridge but my warranty deed said we were. In fact we were the first three homeowners there. We were also the longest to stay.jump
below the squiggly to see and hear the rest of the story.
i remember I was so upset by the time we walked away I didn't care if the whole place fell apart. I had been hospitalized. My husband's first born had committed suicide. our daughter ( now grown) had nearly died giving birth and these Greedy bastards were on my butt day and night over missing a payment.
We did not understand what was happening . They had doubled our payments due to as they said, " The escrow was not right"...We owed late payments from years before...Lies.....We never knew when the SOB's sold the note until the deal was done and then it took months to get us the info. We sent payments to the people on our payment book. We even took out a second mortgage in 05 to fix the field drain lines and they moved overseas. No forwarding address. We had one huge 118,000 mess on our hands . We decided to walk and still glad we walked but I am mad as Hell that , that home sold for 25,000 at auction. I am mad as Hell that we paid all those years for a home that was literally stolen. I got upset when I found out the house had been vandalized for copper after we moved along with other abandoned homes in the neighborhood but I swept and cleaned and so did WhatGodMade ( my friend on here ..I got her to join the Kossack family). We worked our tails off.
I missed December payment in 2010 with all the crap going on personally but the theives said it was OK, since I was such a good customer. (Puke). At the end of December after Nathan Deal and that whole sweep of repugs went in I started getting so many phone calls daily demanding higher payments from Everhome. I was getting letters within weeks of default and i was not that late. I explaiend we had sickness and a death in the family.
didn't matter. On Dec 31st....My husband and I went out to eat New Years Eve and yes stone cold sober decided to walk.
I had read from Dept of Consumer Affairs about this bunch and since have sent their names and addresses to the DOJ and anyone I could think of. I found a home sight unseen in Florida by Jan 3rd and became a resident of Florida by the 1st of Feb 2011.
We walked away. I decided to look up the property to see if it was still in foreclosure and of course I found out foreclosure started even before we left. Yes. In Ga they do not have to let you know until after they start foreclosure procedures. Good thing we walked. They wanted lots and lots of money and in September I had just given them over 2000.00 and for what I don't know. They said, late fees, and modification costs and a bunch of crap I realize now and in December.
What made me feel so violated is like financial rape. It is past memorial day and my husband bought a home for his family on the VA home loan program. I looked at our will and it all has to be changed because the home does not exist anymore to give our kids...and I got mad. They auctioned that house off for 25,000. They made remodels and someone sold it for 90,000. We had done so much of the improvements. I joined a Ga classaction back when it happened but never heard back.
I feel like someone stuck a gun in our side and just robbed us. Flat out robbed us.
The reason we couldn't swim in the pool is that the front street had black families and latino familes along with us. That was the real reason we were not considered part of the community. They were not handicap accessible either so even though I called the Fair Housing Authority and ADA back then, we still were on the front street and not considered part of the community. I fought hard. It was Ga. It wasn't going to change. This is another reason I hate Georgia. I hate everything about Carroll County Ga. Let it be known that I would not swim in that crappy pool if everyone couldn't swim so that was gonna change if I could help it. But it was Ga.
I will say that we were blessed with a lovely home down in Florida and much to our surprise has a handicap accesible pool. I told ya we got it sight unseen. We were that determined to walk away from the dream turned nightmare. It still makes me mad because from the times we bought that home till we left, it was always something and it is not that way in this home. We love the schools and the people of the area and it is much more liberal than the reddest red of Ga. I still want Everhome and the Bankers in jail and appreciate your listening to my rant.
Here are the complaints on those Banksters and they preyed on Veterans and the disabled and elderly. READ THEM... THEY ARE SICK... EVERHOME should be occupied !
http://www.consumeraffairs.com/...
Here is the house and info...
http://www.realtor.com/...
Here is the Auction sell of 25,000
http://www.zillow.com/...
Well, this is how it feels when the Mitt Romneys and the thieves can steal the dreams away from not only the elderly and poor but veterans and active service people and the disabled. I read and read about EVERHOME before I walked. I knew they were bankrolled by the rich. Now we may not even get a vote counted. This madness needs to stop.
I love my new location but no one likes their dreams stolen and no one likes their hard work taken away and no one likes to see the place that children were raised sold to the highest bidder and that being such a low price. Wall Street...I had plans to leave that home to my kids and grandkids... Wall Street I played by the rules. Bankers need to be behind bars not bankrolling the likes of Rick Scott and Mitt Romney.
Dream on.....We never really own anything anyway.
Everhome is in Florida and in Ga. I wonder how much stock the likes of Scott has in that place...or the Koch brothers.
I do love my home here. I only wish we could get it in our name so we were exempt on most of the taxes. I still rather be here. Poor Jack..He could never make it up and down that stairway now.