AboutDennis Herman Expertise I can answer questions on Real Estate such as question on writing an Offer to Purchase. What can go wrong after an offer is written? What is Buyer Agency and what will it do for me? What is a foreclosure? What is the difference between a foreclosure, a bank owned property and a short sale? What is the best way to locate a property? What steps can be taken to avoid foreclosure? How do Real Estate Agents get paid? How can I quickly build equity in a home? How do I view homes? What types of homes will have the best prices? How do I choose an agent? What types of financing are available?
Experience Residential and commercial real estate. New home purchases. Buyer Agency. First time home buyers. Foreclosures, bank owned properties, estate sales and short sales.
Organizations Greater Milwaukee Realtors Association
Wisconsin Realtors Association
National Association of Realtors
Publications http://activerain.com/bloghome
Education/Credentials State of Wisconsin Licensed Real Estate Sales Agent
Accredited Buyer Agency Training
Relocation Training
Certified Senior Citizen Representative
Wisconsin Real Estate Continuing Education
Question The mortgage on my home was contracted in my husbands name only one month before we married fifteen years ago. I live in Florida. He submitted a written request that I be allowed to assume the mortgage six years ago before we split up, but the paperwork was never received. He signed a quit claim deed on the day our divorce was finalized. I paid the mortgage faithfully until a few months ago when I lost my job. I have a new job now and am back on my feet, but the mortgage company will no longer accept payments. I'm facing foreclosure. The mortgage company has sent offers to my address for a loan modification, but to my ex husband only. I don't know where he is. They talk to me because he authorized it years back, but they refuse to allow me to make transactions. Do I have any rights here or am I stuck with a foreclosure?
Answer I am dealing with a number of lenders on a daily basis. I find they like to do business their way or no way at all. I feel they have lost touch with the concept of being a service industry.
If you feel you are being treated unfairly, collect all the evidence you can, papers, dates, phone calls, contact names and numbers and file a complaint with your local state bank commissioner. In Wisconsin this will show up with ease on a Google Search using the key words WISCONSIN BANK COMMISSIONER. The contact information is found on the web page for Wisconsin Department of Financial Institutions under the section Division of Banking. You should have no trouble finding the contact information in your own state.
I can't understand why a bank would treat you in such a way.
