Mortgage Notification Requirements

Summary

In California, lenders are generally required to notify borrowers about significant changes to their mortgage, including assignments of the Deed of Trust. If you were not notified, check your mortgage agreement for notification requirements and contact both Bank of America and FirstKey Mortgage LLC for clarification. If proper procedures were not followed, you can file a complaint with the California Department of Business Oversight. Filing a complaint can help resolve the issue, hold lenders accountable, and create an official record of your complaint.

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I was not notified that my mortgage grantee Fristey Mortgage, LLC

Hello ****! Thank you for reaching out. Could you please clarify what kind of notification you were expecting from Fristey Mortgage, LLC? Are you referring to a change in terms, foreclosure notice, or something else? This will help me provide more accurate information.

I am checking my recording record and its says Document Types ASSIGNMENT OF DEED OF TRUST Grantors GRIGORIAN KAREN KHACHATOURIAN IRINA BANK OF AMERICA Grantees FIRSTKEY MORTGAGE LLC

Hello ****, thank you for providing the details. It appears you're referring to an "Assignment of Deed of Trust." This document typically transfers the ownership of your mortgage from one party to another.
Could you please clarify if you were not notified about this assignment or if you have other concerns regarding this document?

why are we not aware of it? we did not receive any notification?

Hello ****,
It sounds like you were not notified about the assignment of your Deed of Trust. In California, lenders are generally required to notify borrowers about significant changes related to their mortgage. Could you please confirm if you received any communication at all from either Bank of America or FirstKey Mortgage LLC regarding this assignment?
If not, you may want to:
- Check the terms of your original mortgage agreement for notification requirements.
- Contact both Bank of America and FirstKey Mortgage LLC for clarification.
- File a complaint with the California Department of Business Oversight if you believe proper procedures were not followed.
Would you like more information on how to file a complaint?

not at all

Hello ****,
I'm sorry to hear about your situation. In California, lenders are typically required to inform borrowers about significant changes to their mortgage, including assignments of the Deed of Trust.

Next Steps:
- **Check Mortgage Agreement:** Verify notification requirements.
- **Contact Lenders:** Reach out to both Bank of America and FirstKey Mortgage LLC for clarification.
- **File a Complaint:** If procedures were not followed, consider filing a complaint with the California Department of Business Oversight.
Would you like more information on filing a complaint?

yes please, also I want to request the discharge paperwork

Hello ****,
Thank you for confirming. Here are the steps to file a complaint and request discharge paperwork:

Filing a Complaint:
- **Check Mortgage Agreement:** Verify if notification requirements were mentioned.
- **Contact Lenders:** Reach out to both Bank of America and FirstKey Mortgage LLC for clarification.
- **File a Complaint:**
- **California Department of Business Oversight**
- Phone: (*) *-*
- Website: [dbo.ca.gov](https://dbo.ca.gov)

Requesting Discharge Paperwork:
- **Contact FirstKey Mortgage LLC:** Request the discharge paperwork directly from them.
- **Verify Identity:** Be prepared to provide identification and mortgage details.
Would you like contact details for FirstKey Mortgage LLC?

yes

Hello ****,
Here are the contact details for FirstKey Mortgage LLC to request your discharge paperwork:

FirstKey Mortgage LLC

Phone: (*) *-*
Website: [firstkeymortgage.com](https://www.firstkeymortgage.com)
If you have any further questions, feel free to ask!

I am paying mortgage through SPS and today I found out that my grantee was since *

Hello ****,
It seems there might be some confusion regarding the assignment of your mortgage. Here are the steps you can take:

am I qualify for complain? what it will do for me?

Hello ****,
To determine if you're eligible to file a complaint regarding the lack of notification about the assignment of your Deed of Trust, please consider the following:

Eligibility to File a Complaint:
- **Notification Requirements:** Check your original mortgage agreement for notification requirements.
- **Communication:** If neither Bank of America nor FirstKey Mortgage LLC notified you, you might have grounds to file a complaint.

Filing a Complaint:
- **Benefits:**
- **Resolution:** It may resolve the issue and ensure proper procedures are followed.
- **Accountability:** It holds lenders accountable for their actions.
- **Record:** Creates an official record of your complaint.
Would you like additional guidance on this process?

Mortgage Notification Requirements

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