Mortgage Recording Information Form: Fill & Download for Free

A form UCC-1 informs the public that a creditor has a secured interest in the personal property of a debtor.Let’s say you buy a house with a mortgage and you want to sell the house. The bank who gave you the mortgage would prefer that you repay the mortgage when you sell the house instead of absconding with the money. Similarly, the new buyer would rather the mortgage be extinguished as part of the sale transaction. For this to work, the buyer needs to be a aware of the mortgage. In the United States, that awareness is by checking the county land records for the property. In those records is a filing statement indicating that there is a mortgage on the property.Personal property is similar.In most states, personal property records created in debtor’s names at the Secretary of State. These records inform the public that a creditor holds a secure interest in the personal property of a debtor. This way future creditors (or buyers) know or could find out that a lien exists on certain personal property.

I often refer to my historical research — my second historical novel Bittersweet Brooklyn: A Novel (9781503904606): Thelma Adams: Books is set in New York from 1905 to 1935 — as falling down a rabbit hole. If you’re interested in people, and the societal forces that shape them, and popular culture, you can just start one place, with one fact, and follow it down and around and over into unexpected territory (Like this column I wrote recently: Inside the Secret History of an American Literary Classic.) A rabbit hole, which Alice of Wonderland fame discovered could be both fascinating, confounding and a source of self-revelation.I often start with secondary sources and novels of the period to get a bit of a sweep and context. This current book is about the little sister of “Little Yiddel” Lorber, keeper of the Williamsburg Boys Club in Brooklyn and a low-level fixer for the Jewish Mob. The bible for that history is Murder, Inc. although I found that book confounding in its refusal to organize in a linear manner. I also read Billy Bathgate E. L. Doctorow, a novelist I admire. In that case, it was the story of a teen’s entry into the world of mobster Dutch Schultz and, while it was contemporaneous to my story, it was male-driven.My aim was to flip the script and create a crime family saga that concentrated on the domestic dysfunction and the immigrant realities, the entwining of poverty and crime. Since this fiction was, like the majority of my writing, female-driven, a lot of the research I did was nitty-gritty, trying to discover the movements of individuals who didn’t make headlines. I started with Genealogy, Family Trees & Family History Records and, because this was based on individuals in my own family, I created a family tree. I found this part of the research obsessive in the way that FB can be. I would just go into the zone and make connection upon connection, radiating out from my paternal grandmother, Thelma Lorber, the wicked little sister, who was at the heart of my story.What that useful platform does is offer access to primary sources like Census Records. They sound dull but they are fascinating: where was a family living in a certain year, who shared their roof, who married who, did they rent or own, were husbands living under the same roofs as their wives? Draft records reveal what a man looked like — height, weight, eye color — and employment.Identifying birth, marriage and death records lead to key numbers that allow you to request those documents from the state government for a nominal fee. A death certificate can reveal, in detail, the cause of death — and I probably had my most harrowing and disturbing discovery reading the scrawl that explained my grandfather’s death in a mental hospital in his 30s from “acute exhaustion” and mental disease. That was a big cry day because something that I’d intuited, something rumored, mentioned, whispered existed in a bureaucratic document.(In another post, I hope to take a single document and show how much can be gleaned from, say, a death certificate, a draft record or an admittance to an orphanage.)Since I’m also a film critic, Thelma Adams Movie Reviews & Previews, I looked at the contemporary movies and their stars. I watched movies. I read biographies. The 1920s and 1930s were an amazing time for the young art form as it shifted from silents to talkies — and the picture palaces that were built in Brooklyn added a sense of glamor to the working classes and were affordable. The rise of Rudolph Valentino, Joan Crawford and Pola Negri — all of whom had contorted personal histories— informed the decisions of dreamers of the period. The stars’ actions on screen (and off in the movie mags) influenced the sexuality of young women, who often had to face the consequences of a new liberality when the bill came due with unwanted pregnancies. Still, I wanted to create the sense of awe inspired by going to the movies.I burrowed into New York Criminal Records, which I found the most difficult mining for information. I looked at deeds and mortgage records — and found information about the ownership of the family house on Montauk Avenue in East New York that confirmed my intuition about the family dynamics. I read transcripts of federal trials in the 1940s, which lay outside my timeline but revealed how cold and stony Little Yiddel Lorber could be under interrogation — and got an insight into the serious criminal he would become.And, last, but never least, I read newspapers. My searches for Abraham Lorber and his various aliases yielded the tent poles of the novel, a series of crimes from assault to larceny, and even an assassination attempt, around which I structured my narrative. Always, the articles were small and, typically, juicy.Newspapers, for me, are the ultimate rabbit hole. And, now, through institutions like the The New York Public Library, they are so accessible. I love reading the headlines to put the human story into larger political context; and I love the crime blotters and society pages. Newspapers bring together high and low, art and culture, politics and war — and, yeah, confirm that, as the tagline for the vintage cop show Naked City (TV series) - Wikipedia went: “there are eight million stories in the naked city.”My family members — good and bad — contributed to those stories, documented or not.Historical research underpinned my novel — and then I took many leaps of faith to create fiction. Now that the book is done, I’ll discover more information. Some will confirm my story, some contradict. But research helped me excavate the past of a circle of people who lived life with intensity — and flamed out — and write the bottom-up history that endlessly fascinates me.

I fought for my house.It was scheduled to be auctioned in a foreclosure sale May 20, 2016.It wasn't really MY house, actually. It was the house that legally belonged to my soon to be ex-husband.My future ex-husband had decided to walk away from all of our mutual bills, including our mortgage. Unable to afford this mortgage on my income alone at the time as well as all the other bills, I decided to stop paying on the mortgage.So here's how it went down:My ex-husband decided to go silent for 6 months. He had no interest in discussing adult matters, such as the divison of property.One night, as I sorted through yet another box of his belongings, I decided I had enough of his silent treatment. The box I looked through contained pictures of his college trip to Jamaica with his friends and I thought it would really be shitty if I just started tossing these things out. I messaged him letting him know.Surprisingly, he decided to put on his adult pants for a minute and come discuss the future of the property.The house had equity in it. His mom, who was onced a licensed realtor, suggested he begin the process of a short sale.The house had equity…this meant if we both got our heads out of the shitter and worked together to sell the house, we could split that equity, catch up on our own bills and maybe have enough of a down payment on our own places.My lawyer said this would be the smartest thing to do.His lawyer, however, stated that she did not specialize in property law and, with the help of my future ex-husband’s parents, recommended that he get a restraining order against me.This was the state of affairs at the end of March 2016.We decided to save the house.I looked into foreclosure laws and legal assistance and anything to delay the auction. I found that New Hampshire does not give a fuck about bank foreclosure, probably because most people in this state tend to be wealthy in comparison to other states. The rate at which houses are lost to foreclosure here is not a regular problem.In New Hampshire, there is no judicial process.If you are behind on your mortgage and your lender has set the time frame for bank repossession and posted the auction in a local paper for 3 consecutive weeks, they can hold a sale outside your home on date stated in paper and then move to evict you.Every lawyer I spoke with had recommended bankruptcy. That would not work because he had been fired from his job recently and would not be able to show that he could make bankruptcy payments.I didn't know what to do, so I recommended filing a motion to Enjoin the Foreclosure. I didn't know what Enjoin meant, but I figured it might delay the auction. I would later find that it meant we were suing the mortgage company.He halfheartedly filled out the form at the courthouse. The form lacked in specificity.I began researching the hell out of case law and opinions in the State of New Hampshire. I also researched any previous problems and complaints with the mortgage company. I studied all the paperwork he signed and tried to find a loophole.I was coming up with nothing.Actually, I was finding that people who were Pro Se loved to file motions to Enjoin foreclosures, basically arguing that their loan was transferred to another mortgage company during the time of ownership and because of the transfer, they did not owe anyone money for their home. Huh? They wanted their home for free? Because they stopped paying on it? And now it was someone else's fault? Because the bank transferred the loan? Well, that was the dumbest thing I ever heard. And the more I read, the more I learned that judges thought so too..I directed him to begin communicating with the mortgage company and to find out how much we owed to catch up on the mortgage.He had money in his 401k which could possibly cover the amount past due. He was terminated, so it was possible to cash out on this money with tax consequences, of course.He reluctantly contacted the mortgage company. His prior experience with their customer service was awful. They would tell him something and then not follow through. But he called them to gather more information, specifically how much to pay off the amount in default.And they promised to send him the information.The funny thing about mortgage companies is that they show no signs of urgency when they are about to reclaim your property…especially if there is equity.They never sent him the information they promised.As it got closer to May 20th, we were informed that there was a QDRO hold on his 401k.…It's good to know about the imposition of a Qualified Domestic Relations Order, or QDRO (cue-DRO), an exception to the 10% penalty on distributions from a qualified plan (but not an IRA).In case of a divorce, it's good to know about Qualified Domestic Relations Orders.A QDRO is often put into place as part of a divorce settlement, especially when one spouse has a considerably larger retirement plan balance than the other. The court determines what amount (usually a percentage, although it could be a specific dollar amount) of a retirement plan's balance is to be presented to the non-owning spouse. Once that amount is determined and finalized by the court, a QDRO is drafted and provided to the non-owning spouse, which allows him or her to direct the retirement plan custodian to distribute the funds in the amount specified.QDRO Rules Use of 401(k) in DivorceThis meant that his money was stuck until the we agreed to who got what. And our next scheduled court date was cutting this close.So we canceled our divorce. His lawyer tried to change his mind. She really wanted to divorce me because I was such a pain in her ass… My lawyer shook his head and kind of laughed a little to himself. He was a cool guy.Meanwhile, our case was remanded to federal court which meant that it could take a bit before it was heard…pushing us closer to the deadline.A lawyer from the mortgage company reached out to my husband(no longer future ex). He demanded to know how much money he had. My husband told him 8k. He said that would not be enough to cover the costs. My husband demanded to know what those costs were. The lawyer promised to send him the information.We never received any information.Instead, we received a response from the attorney for the mortgage company in federal court stating all the reasons that they were not obligated to remove the house from foreclosure. These reasons included; lack of communication between my husband and the mortgage company for a plan(stating that if he had reached out, he would have known who had he talked to and when), lack of money my husband would be able to acquire even if there were a reinstatement plan(he stated that he had 8k and so the call from the attorney was just to find out more ways to fuck us and not to come to some type of agreement), and lastly, that the company did not have to help by providing a reinstatement plan as was stated in the loan agreement.That pissed me off… And my response was so damn good that it changed the judges mind…and the mortgage company’s reluctance to follow through and work with us… as well as the attorney's douchebaggery.The mortgage attorney even requested to have the lawyer who was now respresenting my husband contact him…um… that was no lawyer. That was me. A very pissed off me who had nothing but time on her hands to make him look like a fool for underestimating the power of a pissed off Sara.Oh and my response prompted an opinion to be published in New Hampshire law.. In his objection to the motion to dismiss, however, he provides additional factual background about his efforts to resolve the mortgage default with Pacific Union. He also states that the divorce proceeding has ended with a reconciliation between Angell and … and that he would like to pay the amount required to reinstate the mortgage but has not been able to do so because Pacific Union has not provided him with the required payment amount.Pacific Union has represented to the court that the foreclosure sale was cancelled “in order to allow exploration of loss mitigation efforts.” Pacific Union also represents that the foreclosure sale has not been rescheduled.DiscussionIn the complaint, Angell seeks to enjoin the foreclosure sale of his home. The foreclosure sale has been cancelled and has not been rescheduled. Therefore, at present, there is no foreclosure sale to enjoin. Pacific Union moves to dismiss the action on the ground that Angell has no right to reinstate or modify the mortgage and that Angell has not stated any other cause of action. In his objection to the motion, Angell agrees that he has not fulfilled the reinstatement requirement in the mortgage but argues that is because of Pacific Union’s failure to provide the reinstatement amount. He also agrees that he has no right to modify the mortgage but argues that he is entitled to relief based on a new theory of promissory estoppel. Given Angell’s pro se status and the change in circumstances and theories since the complaint was filed, it is appropriate to give him an opportunity to amend the complaint to allege facts to support a new cause of action. See Fed. R. Civ.P. 15(a). In addition, it appears that Pacific Union may be working with Angell to resolve the matter, which would be a better way to end the case. Therefore, the motion to dismiss is granted, but Angell will be given leave to file an amended complaint to allege a new claim or new claims. Pacific Union may respond as appropriate under the Local Rules and the Federal Rules of Civil Procedure.Civil No. 16-cv-167-JD Opinion No. 2016 DNH 104Updated Outcome:They had promised to provide us with an amount to bring the loan current and then ignored every attempt to reach out to them, either by putting us through to Voicemail (left a message and it was not returned), hanging up on us, or telling us that it was in the mail. They did not want to help.Each time we talked to someone from the mortgage company, we recorded the date, time, and the name of the person. We also took notes on the results of the call.In my objection, I wrote of all the runaround that they were giving us and the failure to do one simple thing, provide us with the amount to pay in order to reinstate.They started to work with after we filed the objection citing promissory estoppel, even before the judge had ruled that we could reopen a case against them for failure to follow through.They cancelled the foreclosure proceedings and referred us to loss mitigation who provided us with the paperwork for a loan modification.We didn't have to pay the whole past due amount. We only needed to make $400/month payments for 6 months. If we continued to make these payments on time, then we could ask them to review it and, upon review, they would determine if they would allow us to reinstate the loan.They did allow us to reinstate.We didn't have to pay for their attorney, as they had threatened us with earlier in the process.Our interest rate went up a bit… but there is still equity in our house.And we have never been late on a payment since…