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Rights of Spouse Not On Loan Documents

by Holly
(Washington )



My husband moved out and I have found out we are in foreclosure.

I would like to salvage the house, but Bank of America refuses to talk to me because I am not on the loan. I live in a community property state (Washington).

I have also since found out that my husband purchased the home under false statements that he was a single man at the time of purchase.

In trying to see if I could buy the home myself a document was uncovered that he forged my signature to. The document stated that the reason I shared a joint bank account with my "ex fiancee" was that the account would have to be closed to have my name removed and he needed to keep the account open while qualifying for the home loan.

Basically I need to know what my rights are, if any and can I legally force BOA to release mortgage information on the delinquent payments to me?

Holly

=====ANSWERS=====

Hello Holly,

Wow! That is a serious problem. This proves true the saying with friends like that, who needs enemies.

My goodness, this man must be evil. The fact he has forged documents, lied on a loan application and purchased a house without you being on the loan shocks me.

Frankly, I'm puzzled how you may have missed out on signing documents when the purchase was being done.

BOA does not have to reveal anything to you since you are not on the loan docs.

However, I would seek legal advice from a divorce lawyer in regards to this entire manner. I'm not in a position to give nay legal advice since I'm not a lawyer.

But I do know this, if what you are telling me has happened, there must be something more you can do. It seems to me your husband (soon to be ex) must have known somebody when applying for that mortgage.

Things seem a little shady here. It does not smell right.

However, from a mortgage point view, the lender may be looking at you as a tenant who is not paying rent or something. Better get ready, it may be a bumpy ride ahead of you.

I'm sorry, but all I can say is run for cover. You have a very hard battle in front of you.

Kind Regards,

Jeff

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