The place issuing the HE loan should have been able to find the info on line that the property was clear. You might want to request after checkiing with the county to see if a release was ever granted. Also check your credit reports to see if any loans show as not being closed. Asking for the deed sets off alarm bells for me. The Title Insurance which hopefully you paid to have when you purchased the property can be updated for a fee at most title companies. Too expensive unless to do a full one unless you are planning to sell but can save money if and when you go to sell the property.

My husband and I have been married for 24 yrs, with a split up of 9 months, 2 years back, then reconciliation in 4/09. One of the conditions was that I had to filke bankruptcy, as he decided he wasnt going to pay for any bills only in my name. I will go for that for charges during our separation, but now realize, there was actually much debt that was HIS TOO, that he got off scott free with. It ruined my credit, (and I basically went under his umbrella financially, as I look back, I am just now seeing the light!) In 8/09 we found a home, and becuase of my bankruptcy, we had to keep me off of the Title all together, and I had to sign off on this for the loan to go through. The Buyer's Title Vesting appears as follows: "Mr. Fischer...A Married Man as his sole and Seperate Property....I was verbaly told by him and the escrow company that I could be added after we closed. I only need to be on the DEED portion. It will help my credit, it will prevent liens on the property, and it will keep him from trying to sell the house without my persmission. (as during every argument, he threatens to sell the house, becuase he knows I love it, and those words hurt. I have put thousands and thousands of $ of my own into this house, and at least 2000 hours of design time (I'm an Interiuor Designer)into improvements which has raised value probably $75,000 or so, but the market is at it's lowest, so I do not not know if it has done anything for house value yet, but it certainly will when the markets starts going back up. I was even told to document my hours that are above & beyond normal wifely duties. What are the other advantages for me to be put on the deed? He has become secretive about finances, distrustful, difficult, and now sneaky man, not holding up to his word. The money put down for the house, was a 25,000 gift from his Father against his inheritance, (but I have my signature on it)and then another $30,000 was "OUR Community Property" Money as married partners, state of CA, 18 months haqve passed and I am still not on deed. Every time I bring things up, he ignores them, he has told me to get paperwork ready, then he still wont run down to the notary pblic, and it's just a few bucks, I am so pissed, and now do not trust him at all. With the economy and our marraige so shaky, I need to take action to protect me and my children. I want to stay cool, but many problems have occurred due to this promise never kept, even the police have been out from the arguments and verbal abuse about money when I ask to see our assets., I am also having difficulty getting him to change and update our 12 year old will to reflect all of the changes..to make current. There are other financial things I am not happy with either, but I think ya'll can see the crappy picture here. He has been doing odd things as well...voice recording me, taking pictures illegally at the pharmacy counter of my prescribed medications, and many other bizarre things. What in the hell do I do? I am thinking of calling his Father, but not wanting to go to that extreme. Plkease help me, all suggestions as quickly as possible, as him and I are supposed to have a meeting about all of this tonight. If we cannot keep our conversation in a mature and productive manner, then I will need to set up a meeting with a professional 3rd party I guess, and I want a financial portfolio plan to start working on in a positive and educated manner. I am 48, and at the age that all of these things are important to me. I am not sitting comfortably. I want to be. I want the fear gone. I want to stay in my lovely home.

Keep a notebook/journal with pockets and write down: when (date and time) and who you call, who you spoke to (employee name + ID #, and what the call was about. Put your requests for records in writing and keep a copy for yourself. This will let places like your bank, title agency and realtor know that your serious about making sure they follow through, instead of ignoring you. Here is a link that details what you are asking about. www.ftc.gov/bcp/conline/pubs/credit/idtheftmini.htm#personal I'd be sure and get that police report filed right away. If you live in a state that allows it, freeze your credit report so it won't make a difference who has your SS, DOB (It won't do them any good without a password from you). "A credit freeze bars any lender from accessing a credit file without the consumer's permission. Because no legitimate lender would issue credit without first performing a credit check, the freeze is a powerful tool for keeping identity thieves at bay. Here is an article I just read this morning that might make you want to think about sending a copy of the police report to your mortgage company and the county recorder (certified mail). Good luck and hang in there. Did you change the locks on your house? A Title Search is the New Credit Report January 8, 2007 ATLANTA, Jan. 8 /PRNewswire/ -- Consumer advocates have always recommended that credit reports be reviewed, to discover possible identity theft or fraud. Identity thieves and fraudsters are now turning to a more lucrative target; property records and titles. For this reason, running a property title search is becoming more popular, to prevent financial loss. Not only are property records easier to break into, incorrect results are also harder to change back. Unlike credit reports, there is no guaranteed "dispute" process, as there is with credit bureaus. According to David Pelligrinelli, of TitleSearch.com, the increase in fraudulent and incorrect property title records is dramatic. "Especially in the past 18 months, we have seen a troubling rise in the number of errant records on the property titles we look at," he says. "We are seeing large numbers of unreleased mortgages, which were long since paid off," he adds. This is expected, given the volume of mortgage refinancing in recent years. When the prior mortgage is left on the property title, there is now a double mortgage. If caught early, it is fairly easy to obtain the appropriate release from the original lender, for recording on the title. With lenders merging, selling out, or closing, it becomes harder to track down the release as time passes. More serious than title errors are fraudulent recordings. "Most people are not aware that if anyone presents a lien, mortgage, or transfer deed for your home the county clerk, it will be recorded on your property title," Pelligrinelli says. "The clerk does not verify that the signatures are legitimate; their role is record keeping only. While there are some requirements, such as using the correct form, and notarization, these are easily bypassed. "It is easier to steal your house by using a fake deed, than it is to steal your credit card number. At TitleSearch.com, we hear of fake deeds regularly. Attorneys and consumer advocates are now recommending that property owners run a title search to verify that their property is titled correctly, with no liens." In 2006, there were numerous accounts of properties being unknowingly transferred away from the owners. In one case, a man presented a fake transfer deed for a $76 million New York hotel. His only mistake was using an outdated form, otherwise, the transfer may have gone through. Also, most counties do not send any notice to the property owner when a transfer or lien is recorded against their title. Pelligrinelli agrees that running your title search with a reputable company is recommended. "Doing this every year might be overkill. However, running a title search once initially, and then every two years is suggested. Other key times are a few months after a refinancing, or prior to putting a property on the market. Divorces and deaths in the family are often good reasons to check property titles, as well." Contact: David Pelligrinelli, 706-216-1785, TitleSearch.com.

The right teacher can make all the difference in the world of how a child views school/education for the rest of their time in schools. I'm glad Grant got a good one. The kids just get cuter with every posting of their pictures. Shirley