They didn't list her as co-borrow

Doris E. (mother) good credit score; and Doris S. (daughter) bad credit score) We applied for a 1st time loan on our property that had no Mortgage. We applied for a $56,000.00 Mortgage. We both signed the loan papers, about 25 pages.

After sending everything that they needed to process the modification loan back in April 2009. In November 2009, they asked me again to send the same paper work. I sent the same material papers on two different occasions. Back in November 2009, They told me that I, Doris E. (mother) didn’t live there) I said yes; I know that and the Loan Officer that was assigned to us for the loan also knew that I didn’t live there and that’s why they have a different address for me.



I called them back around January 2010, they said send me a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is co-borrower. She sent letters explaining her problems and gave them again all her financial information for a 3rd time.


Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments.

I copied all the loans paper that bared OUR names and they states: “Doris E. and Doris S as Borrowers”. My Daughter name is through-out the loan papers.







Then he said, (Paul) Chase Representative, I don’t see her signature on the paper work. I said, I don’t see Chase either. I don’t have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn’t have a copier with him.



$56,000 with a 10.875 % interest rate. I see why CHASE doesn't want to help her. I need HELP or advice from someone who can help me get my daughter a lower interest rate.

I called them back around January 2010, they said send me a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009.

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how do you have the check that you had previously cashed?

You should have a copy, whether it is signed or not, of the loan agreement where it states who the borrower(s) will be listed. Often times, when signing contracts, the copy presented to you is not signed but provided only as a copy of the original for reference purposes.

they said “where do you want the statement sent.” I said send it to me at 280 Bridgewater Road

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Whose name is on the statement? If it was borrowed as co-borrowers, both names would be on the statement.

who is the house titled to? That would be shown as the buyer on the deed.

They won't acknowledge my daughter as co-borrow

Yes, i have the copy of the check. and Yes, the deed states both names
and all the loans papers states our name. CHASE MORTAGE IS RIPPING US OFF

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They again said that I was denied the modification loan because, I, the mother didn’t live in the house at xx Street. I said, the loan specialist knew that I didn't live at the house. My daughter who was sitting right beside me, signing these papers, I told them that my daughter lives here at xx., and that I live in B, they knew I lived in B, Pa., because they said “where do you want the statement sent.” I said send it to me at xxx B, PA. and that is the address that the statement comes to from the beginning. Chase Mortgage only objective was to get the loan. My daughter was a co-borrow and she should be able to get a loan modification for her hardship as well.

Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments.

I copied all the loans paper that bared OUR names and they states: “xxxxxxxas Borrowers”. My Daughter name is through-out the loan papers.

$56,000 with a 10.875 % interest rate. I see why CHASE doesn't want to help her. I need HELP or advice from someone who can help me get my daughter a lower interest rate.

Ps. My Daughter has been unemployed for a year and desperately needs this modification to this loan – 10.875%.

Any legal advice

As I understand it, the loan modification program is designed to keep people in their homes, not investment properties. The home you're trying to save is your daughter's home, but not your's. I believe what Chase is saying is that YOU, as a co-borrower, are ineligible for a loan modification because it is not your home, it's merely investment property. Both borrowers would have to be eligible, not just one of two. You cannot force Chase to ignore YOUR inelgibility for a loan modification.