Question
How do you find out who the lender is for my home in VA. I am renting & my landlord is going thru foreclosure?
HELP! I am renting a home in Virginia Beach. I received a notice in the mail that the home I am renting is in foreclosure and will be sold on November 20th, 2009. I called my landlord/property manager and they are telling me that the house is not going into foreclosure. How do I find out for sure? I have put my November rent money in escrow for the time being... I don't want to be in breach of my lease by not paying so I need to find out ASAP whether the house mortgage has been paid or not. How do I find out who the lender is???
3 weeks ago - 4 answers
Best Answer
Chosen by Asker
You can look on your county property appraiser's website for that information. It usually will list the lender. However, it is illegal to rent a homethat is in foreclosure without notifying the tenant. You have rights under tenant-landlord law and under the freedom of information act---call or go down to the property appraiser's office and I am pretty darn sure they will cough up the info for you. This exact thing happened to me....a Remax property manager in FL rented me a home that was already in foreclosure without telling me. I actually got served papers about a month after I moved in---the server thought I was the owner. I contacted the lender and got to live there rent-free until the foreclosure went to court--about 8 months. The owners were in big trouble: not only were they in default on their payments, they were also Canadian nationals claiming homestead on the FL property...how 'bout that? Slimey dogs! I also got every penny back from the management company, Remax, plus they had to pay for all my moving expenses.....coming and going. I saved all that rent money and purchased my first house with it. ****The other two answerers are wrong---you can get the lender's contact information--I do it all the time when checking owner info and researching property liens for my husband's general contracting business. The lender is not obligated to discuss the loan particulars with you but they will tell you what the status is.
Source(s)
Wife of a FL general contractor.
by MMM
3 weeks ago
Asker's Rating: 
Other Answers
The lender will not tell you anything about someone else's loan - whether or not you are a tenant.
by jlf- 3 weeks ago
You owe rent for November. Even if you found the bank they can not legally disclose any information other then the letter you already received.
by Janet P- 3 weeks ago
Who notified you? You can't find out the lender - that's private information, but after foreclosure when it becomes a bank owned home it will reflect on the tax assessors site. You wouldn't want people to find out your private credit information, would you? What difference does it make to you whether the mortgage has been paid? Probably foreclosure proceedings have been initiated, but this can take months. Pay your rent - you signed a lease, and even if foreclosed, the current owner can come after you for unpaid rent. Start looking around for somewhere else to live, though!
by CAtransplant- 3 weeks ago