A woman thought she had one over on me this week. She didn't qualify on her own so I suggested she find a suitable cosigner to help her purchase a home. She suggested her ex-husband as a viable and willing candidate to go on the mortgage with her. She had all of his information including his social security number, bank accounts and income figures, so I processed the application and ordered the appraisal for the subject property. Since neither she nor her ex-husband live locally, I sent all of the papers by way of Federal Express to her home address. As part of the normal requirements, I requested copies of financial information on both parties as well as drivers licenses for each borrower. The entire package came back via the mail but her ex's drivers license was missing. I requested it again and still she didn't send it back. After much ado, I found that he never agreed to cosign the loan, and she was using his identification to help her get the mortgage. WRONG! http://www.ssa.gov/employer/ssnv.htmIt is amazing to see just how far people will go to try and fool you.
Andy Williams
President
Abacus Regional Mortgage
484 695 5972
andrew.williams@abacusmort.com
NMLS # 118317
Thanks for this, I've been looking for ways to get a mortgage in MD and this has really helped.
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