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Fighting foreclosure: New Mexico woman thought she paid off home - YouTube
Channel: KRQE
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a new mexico woman says she worked her
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whole life to pay off her forever home
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but a surprise knock at her door changed
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everything krqe news 13 investigative
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reporter gabrielle burkhardt shows you
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how that woman's american dream became a
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years-long nightmare
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this quiet corner home
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has been a sanctuary for maria zaragoza
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for 16 years
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everything
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everything it means everything to me the
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retired home health worker bought her
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home in 2006. she bought the house from
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another spanish-speaking couple jacinta
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and chrysofo garcia signed and notarized
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a real estate contract and put 20
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thousand dollars cash into a down
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payment in a for sale by owner deal how
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many hours would you work in a normal
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work week
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one patient four another patient five
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another patient six i would work over 60
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hours a week zaragoza came to the u.s
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from mexico in the 1960s and moved to
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the las cruces area to raise her three
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sons in a safe environment she says she
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chased the american dream and worked
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hard to plant roots here to buy
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something of her own
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well yes here's where i want to die she
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says she made thousand dollar monthly
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payments to the sellers in the form of
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cashier's checks with the agreement
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she'd get the home's title when the
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final payment was made
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i have all the copies were you ever late
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no because i got a letter notarized at
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the time of the purchase that if i was
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one day late i would get charged a
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hundred dollars extra in 2011 she made
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the final payment
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i was happy and content until i found
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out that the lady couldn't give me the
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title because the bank had it and i went
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into a panic she says the seller
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admitted to taking out a mortgage on the
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home after selling it to zaragoza it
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turns out her real estate contract was
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never recorded by the county assessor
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she got really sick she felt really sick
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for years zaragoza felt her hands were
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tied with her home's title in limbo then
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a gut punch
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in 2016 zaragoza says she got a knock at
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her front door from a stranger someone
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letting her know the home she thought
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she paid off was heading into
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foreclosure it's been a great injustice
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what's happened to ms aragosa karina
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rocha is a staff attorney with new
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mexico legal aid a nonprofit that
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provides free legal assistance to
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eligible low-income new mexico residents
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rocha took on zaragoza's case in
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november i thought it was
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bizarre that the case has been going on
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for so long and it still hadn't been
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resolved she says there's been turnover
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in judges assigned to the case a series
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of motions filed in court and the
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sellers failing to show at hearings the
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goal is to try to get mr gosar to keep
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her home
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and then
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have
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the bank stopped trying to foreclose on
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the home she says the mortgage in
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default was originally held by wells
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fargo then the debt was sold to master
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participation trust or lsf9 a company
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that appears to buy foreclosed mortgages
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in bulk this couple a few months later
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after they signed the contract with
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misaragosa got out a loan on the
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property for about 78 thousand dollars
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which has now accrued interest
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and i believe now it's at 142 thousand
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dollars for years new mexico legal aid
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has been able to fend off a foreclosure
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sale but rocha says this year lsf9 has
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been more aggressive in court seeking to
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recoup costs on zaragoza's home filing a
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motion for summary judgment in the home
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to be sold just for her almost being 70
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years old and having to go through this
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anxiety and depression not knowing you
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know
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if she will be homeless within a few
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days today zaragoza's living room is
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mostly empty her kids say she's already
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started packing things up just in case
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would you have to move in with one of
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your sons
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yes they won't leave me alone
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i have really good kids
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she wants to share her story
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as a warning to other home buyers to be
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very careful because there's abusive
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people out there the garcias don't have
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a listed attorney rocha says they've
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been m.i.a and she'll push for a trial
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so her client can present evidence she
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was defrauded by the garcias legal aid
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says it plans to report the case to the
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attorney general's office for possible
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criminal charges meanwhile zaragoza
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waits patiently for the looming court
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battle to end
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my hope is god in us
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gabrielle burkhardt krqe investigates
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after our interviews a new dona ana
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district court judge was assigned to
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that case and granted an emergency
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motion to postpone that foreclosure sale
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new mexico legal leg says it will still
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push for a civil trial and then reach
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out to the ag's office to see if fraud
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charges can be filed
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