| 07/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Homeowner is late on mortgage payments. I XXXX XXXX XXXX was ordered for discovery of mortgage history. The history show strong possibility of broken chain of titlle and no just standing by two previous institutions. The current mortgage was purchased by Aspen G LLC and currently is in foreclosure proceedings. Aspen G LLC is acting on foreclosure proceeding with a cloudy no just standing to foreclose. The homeowner does not feel comfortable to accept a offered loan modification with predatory terms of the modification. This is a toxic modification and against the DOJ Department of Justice guidelines. The homeowner is submitting the following XXXX XXXX XXXX and supporting documents. SUMMARY This summary highlights selected information from this free writing prospectus and does not con-tain all of the information that you need to consider in making your investment decision. You should read this entire free writing prospectus and the accompanying prospectus carefully to understand all of the terms of the offering of the certificates. Relevant Parties : Sponsor and Seller XXXX XXXX XXXX, XXXX XXXX, a national banking association and an affiliate of the de-positor. The primary executive office of the sponsor and seller is XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and its telephone number is ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX ac-quired the mortgage loans from the mortgage loan seller and will sell them to the depositor on the clos-ing date. See The Sponsor and Seller and Assignment of the Mortgage Loans in this free writing prospectus. Depositor XXXX XXXX XXXX XXXX, a corporation organized under the laws of Delaware. The principal executive office of the depositor is located at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and its telephone number is ( XXXX ) XXXX. The depositor is a direct wholly owned subsidiary of XXXX XXXX ( USA ) XXXX. and an affiliate of the sponsor and seller. See The Depositor in the accompanying prospectus. Issuing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a common law trust created pursuant to a pooling and servicing agreement governed by New York law, dated as of XX/XX/XXXX, by and among the de-positor, the master servicer, the securities administrator, the custodian, the servicer, the mortgage loan seller and the trustee. See The Pooling and Servicing AgreementThe Issuing Entity in this free writing prospectus. Trustee XXXX XXXX XXXX XXXX XXXX, a national banking association. The corporate trust of-fice of the trustee is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, and its telephone number is ( XXXX ) XXXX. See The Trustee in this free writing prospectus. Securities Administrator XXXX XXXX XXXX, XXXX, a national banking association. The securities administrator maintains an office located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX, and its telephone number is ( XXXX ) XXXX. Its office for certificate transfer services is located at XXXX XXXX and XXXX XXXX, XXXX, Minnesota XXXX. As paying agent, the securities administrator will be responsible for making monthly distributions and preparing the related monthly distribution statements provided to certificateholders. The securities administrator will also be responsible for the preparation of certain tax information for investors and the preparation and filing of certain tax returns for the trust and cer-tain periodic reports relating to the trust and the certificates that are required to be filed with the Securi-ties and Exchange Commission. See The Securities Administrator in this free writing prospectus. Master Servicer XXXX XXXX XXXX, XXXX. In its capacity as master servicer, XXXX XXXX XXXX, XXXX. will be respon-sible for monitoring the performance of the servicer and for reconciling the servicer loan-level report which serves as the basis for the monthly distribution statement prepared by the securities administra-tor. See The Master Servicer in this free writing prospectus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a Delaware corporation, and a wholly-owned operating subsidiary of XXXX XXXX XXXX XXXX XXXX. Its principal place of business is located at XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX and its telephone number is ( XXXX ) XXXX. The servicer will : ( 1 ) provide customary servicing functions with respect to the mortgage loans ; ( 2 ) provide certain loan-level reports to the master servicer ; and ( 3 ) make certain principal and interest advances with respect to the mortgage loans and certain servicing advances with respect to the related mortgage properties. See The Servicer in this free writing prospectus. Custodian XXXX XXXX XXXX, XXXX. In its capacity as custodian, XXXX XXXX XXXX, XXXX. will maintain and secure the mortgage document files underlying the mortgage loans on behalf of the trust. See Assign-ment of the Mortgage Loans in this free writing prospectus. Originator XXXX XXXX, a division of XXXX XXXX XXXX XXXX XXXX, together with other third party origina-tors. XXXX XXXX principal executive office is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX and its telephone number is ( XXXX ) XXXX. XXXX XXXX originated substantially all of the mortgage loans. Less than 1.00 % ( by statistical cut-off date balance ) of the mortgage loans were originated by other third party originators unaffiliated with XXXX XXXX. See Underwriting Guidelines in this free writing prospectus for a description of the underwriting guidelines applied by the originator in underwriting the mortgage loans. Mortgage Loan Seller XXXX XXXX XXXX XXXX, a Delaware corporation and a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX, with principal executive offices at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, telephone number ( XXXX ) XXXX. XXXX XXXX XXXX XXXX acquired the mortgage loans from the originator and, in turn, sold them to the sponsor. The mortgage loan seller will make certain representations and warranties with respect to the mortgage loans under the pooling and servicing agreement for the benefit of the depositor and trust. See Underwriting GuidelinesThe Mortgage Loan Seller in this free writing prospectus. Derivative Counterparty [ [ ] ]. Rating Agencies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, a division of The XXXX XXXX , XXXX, will issue ratings with respect to the certificates. Relevant Dates : Statistical Cut- off Date XX/XX/XXXX. Unless otherwise indicated in this free writing prospectus, any statistical infor-mation with respect to the mortgage loans contained in this free writing prospectus, including the statis-tical information in XXXX XXXX, is based on the scheduled principal balances of those mortgage loans selected to be included in the mortgage pool acquired by the trust ( the sample mortgage pool ) as of XX/XX/XXXX.
Cut-off Date XX/XX/XXXX. On the closing date, the trust will acquire a pool of mortgage loans, including all principal outstanding as of, and interest due thereon after, the close of business on the cut-off date. The collateral characteristics of the final mortgage loan pool acquired by the trust on the closing date may vary from the collateral characteristics of the sample mortgage pool in several respects : ( 1 ) the mortgage loan balances acquired by the trust will, except in the case of interest-only mortgage loans, be reduced by the XX/XX/XXXX scheduled principal payment ; ( 2 ) certain mortgage loans contained in the sample mortgage pool may not be included in the final mortgage loan pool due to losses on, or prepayments in full of, such mortgage loans, or as a result of not meeting the eligibility requirements for the final mortgage loan pool ; and ( 3 ) certain replacement mortgage loans may be included in the final mortgage loan pool in substitution of the deleted mortgage loans referred to in clause ( 2 ) above. The sponsor believes that the collateral characteristics of the sample mortgage pool are representative of the final mortgage loan pool to be acquired by the trust and that any variance between the statistical distribution of characteristics of the sample mortgage pool as of the statistical cut-off date as presented in this free writing prospectus and the final mortgage loan pool as of the closing date should not be material. Closing Date On or about XX/XX/XXXX.
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| 12/14/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Dear My name is XXXX XXXX.
I am writing to you because I am looking for help. I have been told that my house is being foreclosed on by a collection company in the middle of a pandemic. I am a hard working American XXXX XXXX XXXX impacted by COVID. I have worked in XXXX all of my life, I have built many American dreams with my hands and now someone is taking my house. What hurts the most, is not just the fact that I am impacted by COVID, but this came completely out of the blue.
The company that is foreclosing on my home, I have never heard of. I have never signed anything to them,.
It is not my first mortgage. My first mortgage is with XXXX XXXX. I called them to put me in deferral and they helped.
The company that is foreclosing on me is Aspen Property Group LLC. The mortgage they are foreclosing on is from XXXX XXXX. They initiated foreclosure in XXXX. in XXXX they voluntarily dismissed the foreclosure because at that time there was no VALUE in the house. They CHARGED OFF the mortgage. This was the same time that when we tried to do a modification because we were impacted by the great recession. I was in construction then as well. We have paid for the first mortgage since then, for 9 years we have had no problems.
We never heard anything from XXXX XXXX since the chargeoff and the voluntary dismissal. We never received any calls on this. We get emails telling us that the mortgage was sold to another company, We get letters saying that this financial company in bold letters say we only have 1 option. Pay in full. They do not offer modification or payment plan.
I ask you to help me. I can not understand : 1. why did this mortgage get charged off and now a 4th company is foreclosing on my house without giving me the ability to make a payment plan 2. I never got served the foreclosure 3. is there no statute of limitations. The mortgage was charged off in XXXX.
4. Illegally charging late fees. Original principal is XXXX. Interest at 11 % XXXX. late fees XXXX. They have charged me for late fees since XXXX. Many legal fees.
5. how much money did this company pay for my mortgage 6. This collection agency is acting like a mortgage ( foreclose ) but they do not offer any payment plan, and foreclose in the middle of the pandemic. They are assuming the rights of a lien that was charged off 9 years ago 7. my first mortgage does not know and was not included 8. they are bypassing all foreclosure moratoriums.
9. I have not been notified of the sale date. I got a flyer from a company asking me to pay it.
10. me and my husband never got served.
PLease look at XXXX county public. All happened on 1 day. XX/XX/XXXX.
XXXX XXXX XXXX XXXX
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| 10/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Good morning! My father and I was took out a mortgage loan together as borrower and co-borrower and used our home as collateral. Last year my father passed away due to covid complications. I as co-borrower called mortgage servicer to inform them on the passing of my father and to see what I can do to take over mortgage since I lived on the property. The person I spoke to informed me that the loan had just been transferred to their facility and they did not have all documents on file yet. It was then that this individual provided me with the lenders number so that I could talk to lender on what was needed on my behalf. I contacted this lender individual and asked if he could send me copies of documents they had on file such as deed/title & promissory note. He informed me he would work with me to find a solution so that I could modify loan and take over mortgage. I sent all information he needed such as my fathers death certificate, I filled out paper work he had emailed me & sent out my income information, etc. Then out of no where he indicated My sister & step moms lawyer contacted him indicating they were owners and they would be paying off mortgage loan and basically dropped me. He informed me I was co-signer and for me to get a lawyer. He informed me he would keep me in the loop on what they ( sister/step mom ) were planing on doing. I informed him I was partial owner on mortgage loan making me co-borrower not co-signer. I called him once again and he never answered. I sent email and did not get a reply to that email. I then contacted mortgage servicer to see what I can do since I had already made several payments on mortgage loan. They informed me to call lender and work it out with them. I was recently evicted from the property my father and I owned by my step XXXX & XXXX and was informed I had no legal rights. I have called so many places in which I could get some help I even hired an attorney but he basically misrepresented me and I lost out on a significant amount of money in which I could have used toward the loan my father and I obtained jointly. If theres anything you can do to help me figure out my rights or how to go about this I would greatly appreciate the help.Thank you & XXXX bless!
Respectfully XXXX XXXX XXXX
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| 04/18/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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The homeowner has been trying to get a loan modification since XXXX / XXXX / XXXX . Recently I was served a Notice of Default on XXXX XXXX , XXXX . The servicer XXXX XXXX served the XXXX Notice. A trustee of Sale is : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , Nevada, XXXX . I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial. On XXXX / XXXX / XXXX A notice of Default was file d. There is no date of sale set at this time. Recently on XXXX XXXX , XXXX I discovered that the previous lenders, XXXX , XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a XXXX XXXX XXXX on this property and reserves all rights under discovery and possible violations exist in the following : 1. Broken chain of title.
2 . No just standing 3 . Gross fragmentation of the note to XXXX XXXX . The home owners XXXX audit produced in XXXX XXXX , XXXX : could also show strong evidence of known robo signer participation in XXXX documents and more. The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : Aspen G LLC , XXXX , XXXX XXXX XXXX , XXXX XXXX and of course XXXX XXXX XXXX . This CFPB complaint includes : 1 . LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.
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| 08/24/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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On XXXX XXXX I received a notice of mortgagee 's sale of real estate from Aspen Properties Group , LLC via the law firm XXXX XXXX XXXX. The mortgagee 's notice of foreclosure sale is for my property at XXXX XXXX XXXX XXXX, XXXX MA XXXX. The loan was a home equity line of credit that was cancelled by the original bank in XXXX. The HELOC had a maximum draw of {$170000.00} and I never withdraw that amount nevertheless Aspen Properties Group is foreclosing on my property for the entire amount of {$170000.00}. I have reached out to Aspen to prove the correct amount that was withdrawn from the HELOC but to no avail. Aspen has schedule XXXX XXXX as the sales date. This is also a time-barred account per XXXX XXXXXXXX XXXX. Per their payment statement the loan is 4101 days delinquent.
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| 09/08/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Aspen Properties LLC has file foreclosure proceedings ( sales date XX/XX/XXXX ) on my home located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX using incorrect financial information. In XXXX I took out a home equity line of credit with XXXX XXXX XXXX. The credit line was for roughly {$190000.00} XXXX XXXX closed down the credit line in/or around XXXX. Aspen Properties has acquired the loan and incorrectly claim that I owe {$190000.00}. I have repeatedly asked Aspen to sent me documentation of all the withdrawal AMOUNTS from the HELOC as well as the DATES of those withdrawal but to no avail. The amount Aspen allege that I owe is incorrect and I hereby respectfully request a correct accounting of all transactions including amount withdrawn and dates from that HELOC.
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| 09/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/2022 Aspen Properties Group LLC notified me that they will modify my mortgage. Aspen however conducted a foreclosure sale of my home on XX/XX/2022. I was under the belief that Dual Tracking was illegal. I worked diligently with Aspen to get a loan modification and supplied all the required information that Aspen requested but was blindsided when my home was sold. I am still in possession of my home but was notified that there is a new owner of my home.
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| 10/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Servicemember |
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Aspen Properties Group LLC offered me a loan modification on XX/XX/2022. Aspen failed to send me the loan modification documents via certified mail as is required by law. Aspen then went on to conduct a foreclosure sale of my home on XX/XX/2022. Aspen is required to send the loan modification documents via certified mail and allow me 30 days to review the proposal. I never received the loan modification documentation from Aspen.
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| 04/11/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Servicemember |
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Aspen Properties Group has filed preliminary paperwork to foreclose on my home. Aspen claim they purchased a debt that I had incurred. I have asked them to validate the debt but to no avail. Aspen has gone as far as to do a corporate assignment of mortgage on my property.
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| 04/07/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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They are trying to take my property with illegal threats
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| 01/07/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Phone |
Older American |
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| 10/13/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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| 03/29/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Referral |
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