2 prongs to my questions:
1. I am in the process of purchasing a home. In August, I paid off an old debt ($4000+) by sending my mother money so she could send the lawyers a certified check. I was trying to keep the debt collections lawyers away
from my account information. The above is paper trailed.
My mortgage broker is now telling me that to get my mortgage, I have to have my mother sign a bogus gift
letter saying that she gifted me the money for the debt repayment in August, even though I have shown my broker the paper trail from my bank to hers through both of our bank statements, the certified check receipt, etc. My mother is refusing on ethical reasons (and I don't blame her). The gift letter template they sent says that the money is for the down payment on my property- which I have earned and saved on my own.
Is this standard?
2. Because my mortgage broker was not returning calls or emails and wasn't there when I went to his office- my friend (no legal connection) went in to see him on her own, hoping to get him to contact me. She did not mis-represent herself- she is neither my girlfriend, wife, or real estate agent. She told him she was my friend and was wondering how my mortgage was processing cause I hadn't heard anything. She did not tell them she had my permission.
The broker told her. He didn't show her any documents, but he did discuss my old judgement/debt issue and what paperwork I needed to submit to further my mortgage (this is previous to the above issue), all information that at that point, he had not told me.
Is this legal? It seems like a violation of some sort of privacy information- but maybe it's not... Thoughts?
1. I am in the process of purchasing a home. In August, I paid off an old debt ($4000+) by sending my mother money so she could send the lawyers a certified check. I was trying to keep the debt collections lawyers away
from my account information. The above is paper trailed.
My mortgage broker is now telling me that to get my mortgage, I have to have my mother sign a bogus gift
letter saying that she gifted me the money for the debt repayment in August, even though I have shown my broker the paper trail from my bank to hers through both of our bank statements, the certified check receipt, etc. My mother is refusing on ethical reasons (and I don't blame her). The gift letter template they sent says that the money is for the down payment on my property- which I have earned and saved on my own.
Is this standard?
2. Because my mortgage broker was not returning calls or emails and wasn't there when I went to his office- my friend (no legal connection) went in to see him on her own, hoping to get him to contact me. She did not mis-represent herself- she is neither my girlfriend, wife, or real estate agent. She told him she was my friend and was wondering how my mortgage was processing cause I hadn't heard anything. She did not tell them she had my permission.
The broker told her. He didn't show her any documents, but he did discuss my old judgement/debt issue and what paperwork I needed to submit to further my mortgage (this is previous to the above issue), all information that at that point, he had not told me.
Is this legal? It seems like a violation of some sort of privacy information- but maybe it's not... Thoughts?
