K
kidd12
Guest
What is the name of your state? Mich
The background: Closed on a Heloc in 2002-husband on the agreement only; I signed for dower.
Agreement had a built in arbitration agreement; mortgage did not
We were provided unsigned copies at closing.
7/2004 I went to courthouse to get copies of all of our papers on our home. To my absolute horror, someone either from title co or lender added the words: signing to bar her dower rights. this wording was added to my signature line and notary's acknowledgement, AFTER the closing. I know the notary didn't add this, because we closed at our home and he was just the messenger.
I WOULD HAVE NEVER SIGNED TO BAR MY DOWER RIGHTS!
The questions:
1. am i subject to the arb rider since i did not sign the agreement?
2. is there any law that states a notarized document cannot be altered? I know the closing pack said typos could be fixed, but this was legal wording (which the lender never asked my permission for).
3. Did I really bar my inheritance rights if my husband was to die? I am not on the deed.
4. I faxed a letter to lender in July and they have not responded.
5. I need this forum as the MI attornies i have called don't know what i'm talking about.
The background: Closed on a Heloc in 2002-husband on the agreement only; I signed for dower.
Agreement had a built in arbitration agreement; mortgage did not
We were provided unsigned copies at closing.
7/2004 I went to courthouse to get copies of all of our papers on our home. To my absolute horror, someone either from title co or lender added the words: signing to bar her dower rights. this wording was added to my signature line and notary's acknowledgement, AFTER the closing. I know the notary didn't add this, because we closed at our home and he was just the messenger.
I WOULD HAVE NEVER SIGNED TO BAR MY DOWER RIGHTS!
The questions:
1. am i subject to the arb rider since i did not sign the agreement?
2. is there any law that states a notarized document cannot be altered? I know the closing pack said typos could be fixed, but this was legal wording (which the lender never asked my permission for).
3. Did I really bar my inheritance rights if my husband was to die? I am not on the deed.
4. I faxed a letter to lender in July and they have not responded.
5. I need this forum as the MI attornies i have called don't know what i'm talking about.