I am a homeowner (or used to be) that almost had my house go to sherrif's sale.  Two weeks before the sale there was a knock on the door and two women practically bullied us into "just signing a paper that says they can take down our information and see if they could help us."  They claimed that for years they have been helping people who are facing foreclosure and getting them back on track financially while keeping them in their home, etc., etc.  We live in an area where home prices are rising.  I have 6 acres of beautifully landscaped woods, gardens and a stream running through the property.  I was speaking with my mortgage company, but was scared I would never get another loan on the house - now I know they would have given me an extension if I would have just asked.  Anyway, everything happened very fast - the day after the women took my "information" down - they called and said they wanted to help us keep our house, but we must come in today or there would be no time.  I was a little skeptical, but they insisted all they wanted me to do was sign a form giving them access to my credit report and financial information.  When I got there it was like a whirlwind of information - none of it specifically about their organization or how it worked.  but they insisted I wasn't signing on for anything yet.  I kept speaking about re-financing and the owner never corrected me.  She allowed me to think that there were private investors who would refinance my home for a year - then I would switch to another larger bank when my credit rating was repaired by them.  It sounded like a good idea.  She even gave me a "mortgage payment" - her words.  and never mentioned anything about the title to my house or the fact that it wouldn't be my house anymore - i would only be renting.  Well, about two weeks later we had our closing.  Again, she never mentioned it wasn't a refinance.  I even got the lawyers for citibank to put off the sherrif's sale b/c I told them this compnay was refinancing my home.  Instead, they transferred the title to my home to their "private investor" and mortgaged my home for over $250,000.  You probably already guessed they used their own appraiser.  I only owed $116,00 on the house in the first place(that includes the attorney fees and everything-entire payoff).  The whole time during the closing, the owner of the company never corrected me when I mentioned refinancing or asked about interset rate, etc.  And I never got copies of all the papers I signed during that first meeting, even though I asked for them.  I may be naive, but I had no idea they transferred my tittle and mortgaged my house for proabably mroe than it's worth until I got a mortgage statement in the mail w/ the private investor's name and my address on it. Please explain to me what these people are really doing with my home.    I realize now that I am really just a renter, even though my payment stubs state "mortrgage payment due".  And what about all the equity in my home that is gone now?   I also googled the owner's name after awhile and found out her realtor's license was revoked last year for not giving proper documentation to clients and basically lying to people.  I cannot remember everything.  Is it legal for her to do transactions like this without a realtor's license?  Please explain, if you know what their plan is for my home.  Will I ever get to own it again or see the equity I built in it?  Thank you