MY THOUGHTS...From Kelly L. Hansen 
Americas Servicing Company is the worst servicing subsidiary and Wells Fargo is the Worst Parent Company on the face of the earth. I've read over some of the entries below and even the attorney's advice is horrifying. People before you even pay an attorney, pay for an ABSTRACT/OPINION OF TITLE on your property. Write a letter of DEMAND to your servicer insisting they PROVE THEY HOLD THE ORIGINAL NOTE to your mortgage.
Do you realize 70% of today's homeowners WALK AWAY from their home without even asking the lender to PROVE they have the right to foreclose? AND MOST FORECLOSURES ARE ILLEGAL? Homeowners, please stand up for your rights! Yes it is stressful! It will make you sick, and tired, and frustrated. But lenders are stealing homes right and left. It's criminal. And the initial footwork you can do on your own, for free. Save your money for when you might really need it. And in my experience, more often than not, you won't need it. Prayerfully. YOU MUST PRAY.
If your loan has been securitized (90% have) your lender has sold their security interest in your home. They have exchanged their right to collect a payment from you for a right to combine their interest in your mortgage instrument (mortgage backed asset) with their interest in others people's mortgage instruments. They pool them all together into a Master pooling and servicing agreement. All the pooled mortgage instruments are destroyed when they are securitized. This is a Security and Exchange Commission process.
Once securitized, white paper is issued in $25,000 bonds called "mortgage backed assets" and sold to investors. Lenders require investors hold the bonds a minimum of 2-5 years, and often have a number of other restrictions, prior to cashing them in. The principal and interest on these bonds, with the return on their investments, MORE THAN PAY FOR YOUR MORTGAGE.
So, if you feel a pang of guilt "but shouldn't I pay for my mortgage?" Just ask yourself, if you would have breached the security agreement attached to your Note, sold off or burned up parts of your property, would your Lender have cared one TINY BIT, or hesitated one TINY MINUTE before DEMANDING PAYMENT IN FULL?
.. PEOPLE IT'S THE SAME THING!!! THEY DESTROYED THEIR SECURITY INSTRUMENT TO YOUR PROPERTY SPECIFICALLY SO THEY COULD LEGALLY TRANSFORM IT INTO A WHITE PAPER SECURITY MORTGAGE BACKED ASSET AND MAKE A GREAT DEAL MORE MONEY BECAUSE THEY ARE COMBINING THOUSANDS OF MORTGAGES, THUS MILLIONS OR BILLIONS OF DOLLARS - INVESTED WHEW!
SO, THIS PATTY CAKE CRAP THEY ARE DRAGGING THE HOMEOWNERS THROUGH IS JUST UNFORGIVABLE WHEN ONE REALIZES THE MONEY THESE LENDERS ARE ACTUALLY MAKING -- IT'S TRULY TRILLIONS OF DOLLARS COMING IN, HAND OVER FIST.
AND ON TOP OF EVERYTHING ELSE, WHEN THEY HAVE ABSOLUTELY NO RIGHT TO FORECLOSE, THEY CHOSE TO TORMENT HOMEOWNERS ANYWAY. SECURITIZATION REMOVES ANY AND ALL RIGHTS TO FORECLOSE UPON YOUR PROPERTY.
This is super personal, and very close to my heart. Can you tell? Visit my blog when you have a minute. I won't pretend it is nearly as interesting as Moe's but I've had some wonderful homeowners share their stories there.
GOD BLESS YOU, YOU ARE ALL IN MY PRAYERS, ASC IS THE PITS.
HOWEVER, ON A BRIGHTER NOTE:
The following people have offered LIFE-SAVING, LAST-MINUTE assistance to many hurting homeowners!!! Good Luck and You are In My Prayers!!
Cara K. Heiden, CEO Co-President,
National Consumer Lending and Institutional Lending,
email:cara.k.heiden@wellsfargo.comcara.k.heiden@wellsfargo.comcara.k.heiden@wellsfargo.com
Michael J. Heid, Co-President, Capital Markets, Finance, and Administration,
email:michael.j.heid@wellsfargo.commichael.j.heid@wellsfargo.commichael.j.heid@wellsfargo.com
Jerald Banwart SVP, Servicing Operations,
email:jerald.banwart@wellsfargo.comjerald.banwart@wellsfargo.comjerald.banwart@wellsfargo.com
Mary Coffin, Vice President
email:mary.coffin@wellsfargo.commary.coffin@wellsfargo.com mary.coffin@wellsfargo.com
Sharon Cecil, Asst to Both
email:sharon.cecil@wellsfargo.comsharon.cecil@wellsfargo.com sharon.cecil@wellsfargo.com
Matt Heil, Supervisor, Team LeadMatt.heil@wellsfargo.com
Todd M. Boothroyd, in-house Counsel, Real Estate Division
email:Todd.M.Boothroyd@wellsfargo.comTodd.M.Boothroyd@wellsfargo.comTodd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE Executive Communications
MAC X2302-02J 800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
515-324-2872
515-324-2389
515-324-2360
Go to my website when you have time:
Is Wells Fargo Ignoring Your Pleas for Help? Try this.
I am a voice I make sure these criminals hear every day, in every possible way on behalf of everyone who asks for it. PUSHING HARD, DAILY, ALL DAY, BECOMING THE SQUEAKY WHEEL IS THE SOUND TO WHICH THESE PEOPLE RESPOND.
Remember LOTS of people need help. PUSH, PUSH, PUSH.
Share your stories -- everyone needs to hear what has happened to you!
God Bless You!!
Americas Servicing Company is the worst servicing subsidiary and Wells Fargo is the Worst Parent Company on the face of the earth. I've read over some of the entries below and even the attorney's advice is horrifying. People before you even pay an attorney, pay for an ABSTRACT/OPINION OF TITLE on your property. Write a letter of DEMAND to your servicer insisting they PROVE THEY HOLD THE ORIGINAL NOTE to your mortgage.
Do you realize 70% of today's homeowners WALK AWAY from their home without even asking the lender to PROVE they have the right to foreclose? AND MOST FORECLOSURES ARE ILLEGAL? Homeowners, please stand up for your rights! Yes it is stressful! It will make you sick, and tired, and frustrated. But lenders are stealing homes right and left. It's criminal. And the initial footwork you can do on your own, for free. Save your money for when you might really need it. And in my experience, more often than not, you won't need it. Prayerfully. YOU MUST PRAY.
If your loan has been securitized (90% have) your lender has sold their security interest in your home. They have exchanged their right to collect a payment from you for a right to combine their interest in your mortgage instrument (mortgage backed asset) with their interest in others people's mortgage instruments. They pool them all together into a Master pooling and servicing agreement. All the pooled mortgage instruments are destroyed when they are securitized. This is a Security and Exchange Commission process.
Once securitized, white paper is issued in $25,000 bonds called "mortgage backed assets" and sold to investors. Lenders require investors hold the bonds a minimum of 2-5 years, and often have a number of other restrictions, prior to cashing them in. The principal and interest on these bonds, with the return on their investments, MORE THAN PAY FOR YOUR MORTGAGE.
So, if you feel a pang of guilt "but shouldn't I pay for my mortgage?" Just ask yourself, if you would have breached the security agreement attached to your Note, sold off or burned up parts of your property, would your Lender have cared one TINY BIT, or hesitated one TINY MINUTE before DEMANDING PAYMENT IN FULL?
.. PEOPLE IT'S THE SAME THING!!! THEY DESTROYED THEIR SECURITY INSTRUMENT TO YOUR PROPERTY SPECIFICALLY SO THEY COULD LEGALLY TRANSFORM IT INTO A WHITE PAPER SECURITY MORTGAGE BACKED ASSET AND MAKE A GREAT DEAL MORE MONEY BECAUSE THEY ARE COMBINING THOUSANDS OF MORTGAGES, THUS MILLIONS OR BILLIONS OF DOLLARS - INVESTED WHEW!
SO, THIS PATTY CAKE CRAP THEY ARE DRAGGING THE HOMEOWNERS THROUGH IS JUST UNFORGIVABLE WHEN ONE REALIZES THE MONEY THESE LENDERS ARE ACTUALLY MAKING -- IT'S TRULY TRILLIONS OF DOLLARS COMING IN, HAND OVER FIST.
AND ON TOP OF EVERYTHING ELSE, WHEN THEY HAVE ABSOLUTELY NO RIGHT TO FORECLOSE, THEY CHOSE TO TORMENT HOMEOWNERS ANYWAY. SECURITIZATION REMOVES ANY AND ALL RIGHTS TO FORECLOSE UPON YOUR PROPERTY.
This is super personal, and very close to my heart. Can you tell? Visit my blog when you have a minute. I won't pretend it is nearly as interesting as Moe's but I've had some wonderful homeowners share their stories there.
GOD BLESS YOU, YOU ARE ALL IN MY PRAYERS, ASC IS THE PITS.
HOWEVER, ON A BRIGHTER NOTE:
The following people have offered LIFE-SAVING, LAST-MINUTE assistance to many hurting homeowners!!! Good Luck and You are In My Prayers!!
Cara K. Heiden, CEO Co-President,
National Consumer Lending and Institutional Lending,
email:cara.k.heiden@wellsfargo.comcara.k.heiden@wellsfargo.comcara.k.heiden@wellsfargo.com
Michael J. Heid, Co-President, Capital Markets, Finance, and Administration,
email:michael.j.heid@wellsfargo.commichael.j.heid@wellsfargo.commichael.j.heid@wellsfargo.com
Jerald Banwart SVP, Servicing Operations,
email:jerald.banwart@wellsfargo.comjerald.banwart@wellsfargo.comjerald.banwart@wellsfargo.com
Mary Coffin, Vice President
email:mary.coffin@wellsfargo.commary.coffin@wellsfargo.com mary.coffin@wellsfargo.com
Sharon Cecil, Asst to Both
email:sharon.cecil@wellsfargo.comsharon.cecil@wellsfargo.com sharon.cecil@wellsfargo.com
Matt Heil, Supervisor, Team LeadMatt.heil@wellsfargo.com
Todd M. Boothroyd, in-house Counsel, Real Estate Division
email:Todd.M.Boothroyd@wellsfargo.comTodd.M.Boothroyd@wellsfargo.comTodd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE Executive Communications
MAC X2302-02J 800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
515-324-2872
515-324-2389
515-324-2360
Go to my website when you have time:
Is Wells Fargo Ignoring Your Pleas for Help? Try this.
I am a voice I make sure these criminals hear every day, in every possible way on behalf of everyone who asks for it. PUSHING HARD, DAILY, ALL DAY, BECOMING THE SQUEAKY WHEEL IS THE SOUND TO WHICH THESE PEOPLE RESPOND.
Remember LOTS of people need help. PUSH, PUSH, PUSH.
Share your stories -- everyone needs to hear what has happened to you!
God Bless You!!
- Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone - 913-273-1448 Fax
ctsmyhon@yahoo.com
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