One more hope that you can get some legal advice--much depends upon whether your loan kept local and sold to an investor (ins co, pension fund) as a whole (not securitised: sliced/diced into myriad Wall St. securities for investors). For securitised problems there're many websites on mortgage frauds (like nakedcapitalism, 4closurefraud and patrick.net, but there're lots others). LJD: You might read up a little on mortgage fraud; it really does exist, from original inception to and including "mediation" "efforts", altho the Feds can't seem to see any, except at the lowest levels. Mike(WA): My undestanding is that for a purchase money mortgage/TD in a non-recourse state (lender gets house back and that's all) the owner loses that protection if there's been a refinance.
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