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Underwriters Want My Info For Ex-bride To Be New Loan.

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In 1999, I was in the position to buy a house in Texas. The girl I was going to marry asked to be on the mortgage. I said ok, if that's what you want. So in 2006, she decides she wants to live somewhere else and she gave me total ownership of the property. I was supposed to remove her name from the mortgage loan. I didn't. She remained on the mortgage until I paid off the house. We still dated on and off through the years. Around 2016, I had to accept a loan modification due to a job loss. I hadn't seen her for a few years at this point, and she remained on the note, much to her dismay. The modification was a piece of shit. $30,000.00 over FORTY YEARS at 7.625%. (I have since been educated in the way mortgages work. Mistakes were made, money wasted. Now I know better, so it won't happen again.) I was able to get out of that horrible mortgage in February 2024, by selling another property I owned free and clear. So the house is paid for and she is not on the deed. She did remain on the loan until it was satisfied. However, I own the house alone.

I don't know if the information I've provided above was needed for my question, but there it is.

I sold my other property on February 29th, 2024. As I stated, I, alone, owned the other property and the proceeds from that sale provided me with enough to pay off the mortgage on the house her and I once shared. . Now, my ex is attempting to get a loan on a house and I have no involvement. I don't even know where it is. So, I get an email from her loan originator, stating:

"The underwriter is needing the following to finish up Joy's loan. Please provide copy of asset statement evidencing paper trail of funds used to payoff the account. Can you send me a copy of your bank statement showing the funds used to pay off the account? I will send you a secure link next that you can upload it to. We will need all pages, even if it's blank."

WTF? I have nothing to do with her new loan, why are they requesting an "asset statement evidencing paper trail of funds used to payoff the account" and "a copy of your bank statement showing the funds used to pay off the account?" Can they really demand this from me? I think all they need to know is the loan has been paid off and that's a matter of public record. Why am I being questioned for her new loan? It's none of their business how I paid off the mortgage. Or is it? Am I missing something here? Please advise me on how to proceed.

submitted by /u/CheckEngine6977
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