I'm totally overwhelmed with information overload, like a dear in headlights.

What was the result from the inspector/building department?

Due to a larger number of loans and their experience, they often know of issues with certain areas, certain agents, escrow, title companies, as well as building departments, and appraisers.

We have another land junkie joining the group.BTW, based on your profile, I suspect you are the designated collections department for your lending group!!!

Can our modifiction benefit from asking for proof of ownership of the note in our answer or is the forclosure department completely seperate from the area that hanldles the work out?

Hello Joe,Maybe a building inspector of town can tell you more, if not try to contact the county department.

Most every state has a major university that has a R/E department and I like these because it's unbias and there is no profit motive, or hyperbole.In one of the discussion articles one of economics professors here is a bit contrarian and thinks this "shadow inventory" of homes banks alledge they are holding isn't that real...or as big as the hype professes to be.I also read you can buy expired tract maps on the cheap there.

I currently have a property showing me as the owner in the State Department of Assessments and Taxation website.

Before its rescue-sale to Bank of America (BOA), Countrywide was the largest mortgage lender in the United States.Countrywide became a “leader” of sorts in the lending industry, according to numerous lawsuits filed by the Department of Justice, by adopting reckless lending practices, encouraging fudged loan applications, and violating appraiser independence in order to gain market share.

The letter in summation: Dear ****,I came across your home while driving through the area.