JACKSONVILLE, Fla. -- Florida is number two when it comes to mortgage foreclosures, mortgage fraud probably ranks as high.
Rosemary Toliver completed a mortgage modification in 2010 and was convinced she had crossed every 'T' and dotted every 'I.' But a hole in her roof revealed that there's a hole in her loan modification plan.
"I don't have any insurance on the house," said Toliver.
The loan modification is with Walkhampton Capital Corporation, a Canadian investment company. And her documents show that she was paying for 'forced place hazard insurance.'
"I've been paying in my mortgage this insurance coverage," Toliver said.
Every month Toliver's paid $53 for insurance to cover damage to the building, but not her personal items.
"It is crazy, it is really crazy and I'm getting nowhere," said Toliver.