When the Mortgage Man Flipped Me the Bird

My mortgage started its sordid little life as $250,000 offer from my real estate agent’s “In House” lender. I laughed and told them they were insane. Later, Provident provided me a mortgage for all of two, maybe three, months. They sold it to Bogman, Inc, about whom I had never heard anything. This month, after many weeks of finagling a loan modification and making the first payment of said loan modification, Bogman sold my loan to M&T Bank. I had been with Bogman for the better part of three years.

The major problem with this? The terms of the modification require me to make my mortgage payment on the first of the month or the modification is declared null and void. The major problem with that? Neither Bogman nor M&T have sight of my loan right now. Well, they can see that I have a loan (so I can’t just up stakes and run away), but neither of them can accept payment on it. Not cute.

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