BOA Scammmed Me into Default, Who Will Refinance Me with $60,000 Equity

[Melvin Flory]

I became permanently, totally disabled from 26 years of Federal service in January of 2007. Remained current for approximately 1.5 years, middle of 2008. Bank of America/Countrywide told me I had to be 3 months behind in order to qualify for any assistance. I reluctantly did as Countrywide asked and fell behind. Almost immediately CW sent me a letter of intent to accelerate.

- I paid the arrears and made numerous monthly payments, none of which CW/Bank of America would apply to my mortgage therefore keeping me in default.

- After about 8 months of this I stopped paying since the funds were not helping my mortgage situation. That was August of 2009.

- BOA wrote counter checks to themselves against my checking account even though they told me I couldn't make individual payments. They took at least 8 payments, one per month.

- BOA has not fabricated a "payment history" that is clearly not accurate.

I have been dealing with this now for 8 years and need to get this off of my back.

Are there any lenders out there who will refinance my mortgage even though I am in default?

BOA's last payoff was in January 2015 and was $108,000. The value of my home is $170,000 giving me approximately $60,000 in equity.

Can anyone help me find a lender who will provide me with a refinance?

I am on permanent Federal Disability Retirement and can easily afford the monthly payments.

Thanks everyone.