Old lender needs my signature on application and HUD after loan has been closed. Do I provide them a signature that is back dated 2/19/09?

I received an email from my old lender after the loan has been sold to another lender in April that it is required for me to sign the loan application and HUD. I closed in March with having those two items signed. The old lender has stated that I signed a compliance agreement but that was signed at closing as well. I have viewed the document the old lender sent and it is different from my redisclosure paper I received prior to closing. Do I have any obligation to this old lender? Also, the documents are back dated to 2/19/09 prior to my closing date. Do I have a case of realestate fraud?

Asked on June 27, 2009 under Real Estate Law, Maryland

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

Oh boy.  This occurs often and most state's banking and mortgage brokering and lending laws consider this fraud and an unfair and deceptive trade practice.  What you should consider is the following:

Contact your state's banking dept and file an inquiry or complaint.  Here is the link: http://www.dllr.state.md.us/finance/


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