My husband and I took out a mortgage through GMAC in 2005. We are both listed in the document as "borrowers" and both of our signatures are on it. We both initialed each page of the mortgage document as well. There is a second, much shorter document titled "Open-end Mortage" which appears to establish a home equity line of credit. Only my husband’s signature is on this document. The documents bear the sig. of the Notary Public, but there are no other witness signatures.
Whenever I contact the mortgage lender to find out any information about the mortgage, I am told they cannot give me any information – they can only give it to my husband. How is this possible if both of our names are on the mortgage? This is in the state of Ohio.
Just to clarify: the second document, which carries only his signature (which was done without my knowledge) was for an HELOC Piggyback loan account (although it is called an ‘open-ended mortgage’).The main document – the Mortgage itself – carries both his and my signatures.