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I. Payed. My. House. Off. And. They. Said. L. Had. To. Pay.

Customer Question
I. Payed. My. House...

I. Payed. My. House. Off. And. They. Said. L. Had. To. Pay. Them. Pricble. Plus. Interest

Lawyer's Assistant: Because real estate law varies from place to place, can you tell me what state this is in?

Lumberton. NC. I. Paid. Off. 10. Years. Early

Lawyer's Assistant: Has any paperwork been filed?

No

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I. Call. Them. To. Offer. A. Pay. Off. They. Said. No

Submitted: 4 months ago.Category: Real Estate Law
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Answered in 5 minutes by:
3/7/2018
Real Estate Lawyer: Law Educator, Esq., Lawyer replied 4 months ago
Law Educator, Esq.
Category: Real Estate Law
Satisfied Customers: 125,972
Experience: Licensed attorney practicing landlord-tenant, land use and other real estate law and litigation.
Verified

Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.

They cannot prevent you from paying the house off early. If you ask for a payoff they must give you one and the payoff includes your principle (the amount borrowed) plus your interest due in accordance with the mortgage contract.

So, if they will not give you a payoff amount, you need to contact the NC Attorney General and also the NC Commissioner of Banks at http://www.nccob.org/public/

If the AG and Commissioner of Banks cannot resolve this matter, you could sue them for refusing to allow you to pay off the loan as you requested.

Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page, as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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