Chase Home Finance

Review: I had a mortgage with J.P. Morgan Chase Bank. I had a mortgage with them since 2009 and I sold the property on November 12, 2014. My taxes and insurance were escrowed into my monthly mortgage payment. As of November 12, 2014, I still had an escrow balance of $1,028.00. When I called on Friday, November 7, 2014 and requested a payoff quote for November 12, 2014, I was told that amount would be $62,539.41, which is what was sent to them from the sale of my house. I have proof! I received a check from Chase in the amount of $1,028.00 on December 6, 2014. I cashed it and deposited it into my bank account on December 8, 2014. On December 11, 2014, I checked my account balance at my bank and it showed that the check in the amount of $1,028.00 was returned. I went to the bank and asked them what had happened. The bank told me that Chase had put a stop payment on the check. They even gave me written proof that Chase had done this. I called Chase while sitting in the bank managers office and was told that they were unsure as to why this had happened but it must've been their error and that they would expedite me a refund check. In the meantime, I was overdrawn at my bank but I do not get paid again until December 19, 2014. The first person I talked to her name was [redacted] she was very friendly and very nice. I did ask to speak to her supervisor. I spoke with her supervisor who was extremely rude. I offered to drive to the nearest Chase Bank which is in [redacted] or [redacted] to receive my refund check more quickly. I was told that that was not possible. The supervisor told me that there was nothing more that I could do. I then asked to speak to her supervisor, she told me that he couldn't help me. I told her, that is not what I asked. She said, "he cannot help you". I once again said, I want to speak to your supervisor. She said, "he doesn't have a phone". She told me that she "may" be able to get approval to direct deposit it into my account since it was their mistake. Normally they don't do that but since it wasn't my fault, they may do that. She asked for my account number and I refused to give it to her until she knew if that was possible. I was also told that the overdraft fees that I would be accruing in the meantime, that Chase would reimburse me if I sent them a copy of my bank statement and highlighted all of the fees. I gave her my telephone number and she told me someone would call me with an answer. I did not hear from anyone at all the rest of the day. I called back on Friday, December 12, 2014 and talked with a male and he said it was annotated on my account that they would call me when my paper check would be mailed to me. I called back that afternoon and talked with [redacted] and she said that there is a note on my account to call me when my paper check had been mailed. I called on Monday, December 15, 2014 and talked with [redacted]. He said it was approved and I would be receiving a check in the mail. He stated there was a work order entered on 12/11/14 and it was expedited and should go out in two business days, which would Monday. On December 16, 2014, I called and I got [redacted] first. She stated that she would need to transfer me to a senior account representative to better asssist me. She transferred me to [redacted] told me that my check had been overnighted and mailed out on Saturday. She asked, you have not recieved that yet? I said, no. [redacted] said she would need to transfer to to someone in escalations. I then spoke with [redacted] who first put me on hold and told me that she would need a minute to read my account. [redacted] told me that I would not be receiving a check due to my payoff amount being shorted. When I questioned that, she told me that I requested a payoff quote on 11/7/14 and I paid off my loan on 11/12/14, and from taxes and insurance from that time, that is what I owed. I continually questioned and I was given the same answer. I finally hung up the phone and called my lawyer for help. This was the first step that I am taking to get help on this issue.Desired Settlement: I am requesting a phone call of apology for putting a stop payment on my first check and receiving the $1028.00 that is owed to me.

Review: I previously held a mortgage with [redacted]. This mortgage was paid in full at the time of a refinance, and my mortgage is now with ** Bank. After this occurred, [redacted] sold all of their existing mortages to Chase. Since, I have received NUMERO** calls and letters from Chase regarding payments owed to them, ALL which end in a call and confirmation I owe them NOTHING, that there system is messed up and they are doing this to several people, and that I should "do nothing". Each time they promise I will hear nothing further. I received yet another call from Chase today indicating I have a current account with them (interestingly, the caller said she is with a third party survey company and she could not even provide my alleged account #).Desired Settlement: I want a letter that says I do not have an account with Chase, I never HAD this mortgage with Chase, I do not owe Chase a penny and, most importantly, a PROMISE that the harrassing calls and letters stating otherwise that are wasting HOURS of my time responding to will cease immediately.

Review: We are attempting to short sale my house at[redacted] az 85139. The lender of the original mortgage is[redacted] but Chase holds our second. Chase is being unreasonable with the settlement of the 2nd. Chase keeps changing the amount they want to settle the debt. Less than 2 weeks before closing they decide based on overtime that is NOT guaranteed to raise the amount $5,000!! Chase is unethical and does not stand by their amounts requested. They keep changing the amount and we even have a letter that has a settlement amount $5,000 less than they are requesting. I was told $15,000 was the max and that was what the short sale would close at by July 13th or 22nd.Desired Settlement: CLose the 2nd mortage at the agreed upon settlement of $15,000.

Review: I have been trying diligently to resolve an issue with CHASE for the past week, without any result. At this time I stand to lose a loan for a purchase of my new home because of discrepancies in my credit report. I feel that I have spoken to everyone imaginable in CHASE and got nowhere. I sincerely hope that you can help me.

I short sold my property (FLORIDA) back in February, 2011 and negotiating terms were that the loan would be satisfied and my short sale would be reported to the credit bureaus as settled for less. I have also faxed documentation from 2011 to CHASE confirming this information and they verified as received.

Two weeks ago I made an offer on a house and put a deposit down. Last week, July 5, 2013 my lender reached out to me and informed me that CHASE isn't reporting my short sale as settled for less, but rather as a charge off. They requested that I contact CHASE immediately and obtain something in writing to the fact that this was a short sale, and was settled for less. This letter alone would prevent me from losing my deposit and loan altogether if submitted to the lender by July 12, 2013. I would still however need to make sure that the credit bureaus reflect correct info as well.

As of this moment July 12, 2013 – 3:45 PM EST, I've spent countless hours on the phone with various departments, including the Executive Office. The deadline for the lender is today – 5PM EST. The last piece of information I received was – “we are working on it, unfortunately we will not be able to send anything out to you today. Monday, someone will call you or you can call us if you don’t hear back from anyone.” They keep telling me to call the next day and my issue is still unresolved. I get transferred around for hours and by the end of the day that is all that anyone is able to say to me.

Please help me. I have also emailed a copy of this letter to the executive office.

Thank you,Desired Settlement: 1) Letter, from CHASE, addressed to me, confirming that my mortgage was satisfied in fact as a result of a SHORT SALE, and my credit will be amended to reflect "SETTLED FOR LESS" instead of "charge off".

2) Also, a request to be sent out to all credit bureaus to reflect "SETTLED FOR LESS" to allow rapid re-score so that my credit history reflects correct information as soon as possible.

Thank you!

Review: I was suppose to have a VA loan since July 2005. I just found out that my VA loan was not complete. Everything in Chase system say I have a VA loan but I really don't. I called VA and they said that they were miss two documents went have to be uploaded into the VA portal. I talked to a manager at Chase named Ms. [redacted] She tried everything she could to help me out, but her bosses told her that she could not do anything, because it had been to long. When I talked to VA [redacted] She said all they needed to do was those two thing, which was submit the 1. Notice of Value and 2. issue the guarantee. Both of these things had to be put into the VA portal. I have been dealing with this for over a week and still no solution. This is a violation of my contact when buying my house, because I bought the house knowing I had a VA loan nd that's the only way I would have purchased it. When I bought the loan originally it was through George Town mortgage who about six months later sold their company to Chase Mortgage. This is still no excuse for why my VA loan is not complete. They everything should have been done at closing, but all the documents that I signed at closing stated I had a VA loan, which I have a copy of.Desired Settlement: I just need someone to do what VA asked them to do, because it is not my fought that the VA didn't get what they were suppose to get. If they took over for another company then they should have check to make sure everything was complete. My next step is to sue / take them to court.

Review: After several attempts to have my payments properly credited to my loan nothing has been resolved. They are improperly applying payments 100% to interest and hardly anything to principle.Desired Settlement: They need to be contacted by someone other than me to force an account review because my payments need to be properly applied. I have had this loan since 2006 , I pay a steady 100.00 per month on the loan, well above the minimum payment due, and they apply almost 100% of my payment to interest. Since 2006 my loan has only come down a couple of grand

Consumer

Response:

This is for a home equity line of credit. Not only did they freeze my account without justification they are mis applying my payments so my loan is not getting paid down at all.

Review: I was notified by Chase that I had an escrow shortage of $88.83 and even if I paid that shortage my mortgage payment would increase by $5.56 monthly (from $933.90 to $939.46 monthly). I explained that I did not want my mortgage payment to increase so I agreed to pay the $88.83 plus the proprosed increase of $5.56 X 12 months, which was an additional $66.72. I sent Chase a check to be deposited in my escrow account of $155.55 ($88.83 + $66.72 = $155.55). I also instructed Chase to deposit these funds into my escrow account so my monthly mortgage payment would remain $933.90. However, Chase only deposited $88.83 into my escrow acccount and applied the $66.72 to the principle. I have called several time in an attempt to correct this error without satisfaction. I keep being told that Chase cannot put the additional funds in my escrow account to keep my mortgage payment the same. However, in years past this has been a common practice.Desired Settlement: Allow me to pay deposit funds into my escrow account that would keep my mortgage payment at $933.90.

Review: In January 2013, we settled a debt for what was owed. Chase agreed to release the lien and waive any deficencies. Chase has not recorded a reconveyance and has since started collection action against us.Desired Settlement: Completion of this matter. For us to receive a reconveyance deed and for it to be recorded. Collection action withdrawn.

Review: I pain JPMorgan Chase Bank to perform a home appraisal for refinancing my home. When I received the home appraisal, there were numerous errors. I requested these errors to be fixed, and after several months could not get resolution.Desired Settlement: I am requesting that JPMorgan Chase Bank refund my fees for the appraisal and credit report.

Review: Chase (JPMorgan Chase) [redacted],TX branch Loan officer [redacted].*.[redacted] confirmed us a Home Loan prices and fees (on Feb 25th) after doing a Price Match we were getting from other lenders (had provided GFE's from other lenders). He confirmed all price exceptions in email and told us GFE wont reflect them as they take time to reflect but all of them are approved (Chase to cover Owner's Title and $2000 credit towards closing). For 20 days from that he kept confirming us the same verbally but does not give any written statement on the same. On March 14th (7 days before closing of 26th) we are informed that he is not going to approve anything. He made sure we don't get time to go to any other lender to meet our closing date and hence communicated wrong information till last minute. He did not agree to meet what he confirmed us on email or had been stating for 20 days. We had to forcefully go with Chase in order to avoid any losses and meet our closing date but with loss of putting all money from our end for the things Chase had promised to cover. We can provide all email and phone logs we had with Chase proving this. We shared all our personal documents and details and allowed Chase to check out credit history and information based on email confirmation from [redacted]. We would had not gone with Chase if they would had not given us wrong information.Desired Settlement: Provide us refund of amount based on contract we had initially with [redacted] and he had confirmed us in the email for the same.

1) Owners Title fees that Chase had to cover ($3580.10)

2) $2000 Credit towards closing

I will be happy to share all emails that we had with Chase for the same and the confirmation email I received from [redacted] for the same.

Review: I have been a Chase customer for over twenty years. I have never been late with my mortgage payment. On March 4, 2014 I paid off my loan at[redacted] this is the first time I was in this branch. Usually I pay by mail. I Asked if my property taxes that were due in April if they were paid. I was told they were paid. In February I called chase and asked for a payoff amount. At that time I also asked if the taxes were paid. I was told they were paid. On May 14, 2014 I received a statement from the county stating they were not paid and I was being charged a late fee.

Also on March4 I was told I would receive a release of lien statement. I HAVE NOT RECEIVED THIS STATEMENT THAT I PAID FOR. tHE COUNTY OF [redacted] SAID cHASE REQUESTED THAT IT WAS MAILED TO THEM.

wHEN I CONTACTED CHASE REGARDING THE TAXES I ASKED THEM TO PAY THE LATE FEE. I WAS TOLD BY THE MANAGER THAT THEY DONT PAY THIRD PARTY PAYMENTS. I TOLD THE MANAGER TO SEND ME THE PAYMENT. HE REFUSED.I UNDERSTAND ONCE YOU PAY A LOAN OFF THE MORTGAGE COMPANY IS NOT RESPONSIBLE. THAT IS WHY I ASKED I WANTED TO MAKE SURE THEY DIDNT PAY THEM.

as chase knows credit report ratings are very important. Since two of Chase's employees made a mistake my credit may be damaged.Desired Settlement: I WANT REIMBURSED FOR THE LATE FEE. $74.00

I want reimbursed for my time and my credit may be damaged over this; $ 200.00

I want a letter stating the lien was released.

Review: Chase continues to harass. I have repeatedly asked them to stop calling me, sending mail and UPS packages trying to get me to re-fi with them. I even returned to sender the last UPS package. But, I got mail and phone calls(in the last week) and notice of another UPS package to be delivered. Their customer service is horrible, when I did try to re-fi, they denied me by comparing my home to a smaller one in the neighborhood. They are a horrible business who has no regard for the customer or what the customer wants. I have asked Chase at least a dozen times to stop sending me stuff and calling me, but they continue to ignore. I guess maybe it is time to bring a lawsuit against them for harassment.Desired Settlement: I want them to leave me alone. I don't want or need their mail, phone calls or UPS packages. I will not re-finance with them ever. If the harassment doesn't stop, I will close my accounts. I am seriously thinking about filing a lawsuit against them.

Review: I have provided Chase bank with all of the information required to complete my loan modification. Chase has been delaying reviewing my request for modification for over one year. I have provided Chase with all of the document required to complete my modification. with all the evidence required to grant my loan modification. Every time I submit paperwork they state that is still under review. The Customer Assistance specialist that is assisting with my case is [redacted]. Ms [redacted] stated that everything has been received and was under review by the underwriters, this was January 2015. I applied for the loan modification in June 2014 it is now June 2015. They still have not completed my request for modification. I am very frustrated and feel that they have been delaying this to obtain more interest from my loan. Can you please provide assistance in resolving this issue. I have try to comply with Chase and they have not completed my request for modification.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Please contact Chase on my behalf and obtain an explanation as to why they have not completed my loan modification in over a year. Please resolve this modification request Chase Bank to complete my loan modification immediately.

Review: I opened a loan application to refi on March 31, 2015. I was told I qualify and should be ok to move forward with the loan application with a 60 days or less closing time period.

On April 1, 2015 I provided the Mortgage Application Package, 2013-14 W2s, recent paystub, 2 401k statements, and letter of Explanation regarding a short sale from 2010.

On April 15, 2015, the $460 home appraisal was completed and on April 21, 2015 the report was received by Chase. The report came back favorably and assessed my home higher than expected.

On May 11, 2015, I was asked to provide a HUD document regarding the short sale. On May 15, 2015, I provided the HUD letter from the title company and was told that they were going to check with underwriting if that will suffice the requirements or if they can get it waived. I followed up weekly with Chase regarding the status.

On May 28, 2015, I was told that the HUD letter did not suffice and I needed the full document. On the same day (May, 28, 2015), I provided the full HUD document. Again, I followed up weekly with Chase regarding the status with no progress.

On June 16, 2015, the loan processor contacted me and the following day (June 17, 2015) sent me requests to provide more documents (4 items). 3 out of the 4 request I am able to provide documentation. However, 1 of them was requesting a written explanation and supporting documents of real estate owned of 3 addresses that is not under my name and are not my property. I contacted the loan processor and explained to him that those addresses are not currently under my name, nor are they active under my name, nor I am the current owner and that I am unable to provide supporting document because of those reasons I just provided. He told me that the application can not go any further and theres nothing else he can do.Desired Settlement: I would like to see my loan application be completed as referenced in the good faith estimate that Chase provided me.

I have waited over 60 days of the expected closing date and provided documents within my control to Chase. I explained to them that they are asking for something I am unable to provide, that its out of my control, and is not currently active under my name.

This has made me miss the opportunity to refi my home with a lower interest rate, removing mortgage insurance, and overall lowering my monthly payments. Due to the long wait, interest rates has increased and I got stuck with paying for a $460 home appraisal that didn't benefit me and this whole loan application process.

Review: We filed Chapter 13 bankruptcy in 2010. The bankruptcy was paid off before October of 2015. We have all the receipts for all the payments that were made. Chase is now saying that we are behind on our payments. This has been going on since the bankruptcy was completed. We have contacted them to find out what payment was missed and they will name off a payment. When we tell them that payment was made and they signed for it, they tell us it was applied to a payment from another month, in another year . For example,we are told that our February 16, 2012 payment was applied to December of 2011. Then we are told in a letter that our February 16 2012 payment for $571 was combined with $38.44 from the suspense account to make a payment of $609.44 and it was applied as our January 2011 payment. The January 2011 payment was only for $570.88. We told them that we had already paid that and asked where that payment went and they did the same run around. We have proof of payment and that they signed for all payments.Desired Settlement: We would like our account refunded and brought up to date . We would also like all late charges taken off. And lastly we would like an explanation of why the payments we made were not credited correctly.

Review: My husband and I are having an issue with Chase Home Financing or JP Morgan Chase as their former name. We have been customers of them since late 2007. The loan number is [redacted] under my husband's name [redacted] We are trying to refinance through another mortgage company and have recently discovered that Chase has not been paying our property taxes since 2008. We had it set up through our monthly payment the property taxes to be taken out along with insurance. I called them and found out that they have been paying on the wrong parcel number. They have been paying on my father in laws property since 2008. My husband's father lives down the road from us and his name is [redacted]. The parcel that they have been paying on is [redacted] Our parcel number is [redacted]. I found the deed of trust with Chase name on it and the date we refinanced with them and it has my husband's correct name along with the [redacted] parcel number and correct address. How did they mix this up when the deed of trust has correct info. I also found out that they have not been sending correct amount for past two yrs. Our taxes are 652 a yr. and they have been paying over 100 dollars one yr. and over 200 dollars the next. Even though they have been getting a refund back it is not showing on our escrow account and we have not received any refund from them for this. We are close to having our property sold by the courts. We have not received anything from anyone that we were that far behind. When we first discovered this a few months ago Chase sent us a letter saying it was taken care of and that our taxes have been paid. Well that is not true. The tax assessor even said Chase has not contacted them about this when they told us they have. We have our closing papers with them showing that 53 dollars a month is going to our property taxes but it has not. We owe over 6000 dollars back taxes that have penalty fees attached.Desired Settlement: I just want Chase to pay the entire amount owed for all the back taxes and penalty fees. I do not want to lose our house due to their neglect. We have been paying our monthly mortgage that has our property taxes figured in so they should pay the penalties as well. And I want this to happen in a timely manner since our home is in jeopardy and not have them to take their time until it is too late.

Review: I had to make an insurance claim on my home that naturally lead to increased rates. I switched to a different insurance company that assured me the transition between changing insurance was painless and they would take care of it.

For whatever reason both insurance companies the new and old still billed my mortgage company Chase who in return paid both premiums resulting in a severely negative escrow account. Well as you know Chase wants their money back and increased my mortgage payments to an unaffordable level. I eventually got the insurance mess taken care of and repaid my escrow but still had to jump through the "Hoops of Chase" I paid more than double my regular mortgage payments almost every month this year and also paid back the negative escrow. These numbers don't add up they owe me a considerable amount of money I have overpaid, they did send me a refund check and then told me not to cash it send it back because it was for the wrong amount. I sent it back and now that they owe me money I might as well just disappear because they have the money and the power at this point. I cant walk into a local branch and speak with anyone, I cant reply by email so I have a paper trail of my problem. Everything is done over the phone with a person that you can never get in contact with.Desired Settlement: I want to speak to someone in management and have their direct phone and email contact information.

I want to know exactly when and where my funds have been allocated to.

I want a refund of any amount overpaid.

I want a refund of any late payment charges when I was told by Chase to stop making payments until this was sorted out.

I want any negative information from this matter removed from my credit report.

I want to know where the Courts can mail the subpoena to because that is where we are headed.

Review: I currently have a mortgage with Chase and due to financial hardship I have requested a Deed In Lieu of foreclosure, a service offered by Chase. The property is vacant, and after multiple attempts to sell it, plus ongoing medical issues, I am no longer able to make the payments. I submitted my original request in November 2011, and over the past 7 months Chase has closed my case two times, admittedly by mistake, and are claiming to close it a third time. I was told by a Chase employee in February of 2013 that my request was approximately 2 weeks away from being finalized and not to relist it with my realtor (it had been on the market and trying to go through the short sale process). Also in February, Chase seized the property and I am no longer able to enter the home. I was told by Chase in March that my case was with the investor and would be resolved any day now. I was told this until early April. Four months have gone by, where I could have attempted to sell the property but was not able to as a result of Chase's instruction not to relist it after February. As of today, there is still no resolution, and I am constantly being asked to resubmit documents I have sent numerous times, and my case is now with it's 3rd negotiator. Because Chase has dragged this process out so long, the home is now in foreclosure, but as of today no date has been set. [redacted]Desired Settlement: I need this resolved immediately. I am not trying to push for an approval, I simply need an answer - is it approved or not? If the home is foreclosed without a resolution of the Deed In Lieu request, then I believe it is completely Chase's responsibility. They seized the property in February and kept the home from selling, gave misleading information throughout the entire process, admittedly closed my case twice by mistake, and now I am with my 3rd negotiator who has requested even more paperwork to continue. Chase should not offer a Deed In Lieu of foreclosure as an option to customers if they can never follow through with a resolution.

Review: I have written to Chase Home Finance numerous times regarding a serious matter with our account # [redacted] and have yet to receive any satisfactory resolution.Here is my story:Going on approximately three years ago we initiated a request for a loan modification on the first mortgage of our home. The home is in my fathers name, [redacted]n, Sr. and I have complete authorization to discuss the account so that is why I am writing. Initially I attempted to proceed with obtaining the modification on my own since I was told that is was possible to do. Since I was not getting any cooperation and basically getting the run around about the request I had given up. I was told to send this and send that and do this and do that. I fully complied to all of the requests but never got any where. So in my disappointment with the lack of results that I was receiving I obtained a real estate attorney for assistance in obtaining the modification. It has still been several months and it seems as though even with the assistance of my attorney we are still just getting a run around. We were being asked for the same documents over and over again but once they get submitted still nothing gets done about the request. We have paid off the second note of over $50,000.00 and have even attempted to keep paying the temporary payments but then was told that they can no longer be accepted because the loan was under review for a modification. Well, I thought that was why they were temporary paymentsIt seems that even though we paid the second note completely off and we are cooperating fully with the requests for documents (over and over again) it doesn't count for anything. All we are asking for is a loan modification to reduce the monthly payments to make them more manageable and attainable. We are asking for the payments to be between $800 - $1000 per month. Since the second note has been completely paid off we don't feel that this is a impossible request.There is more but not enough space ...Desired Settlement: All we want is for JP Morgan Chase/Chase Home Finance to rescind the erroneous foreclosure and honor the long ago requested loan modification.They always offer to help consumers but yet won't and they always send loan modification request forms with eligibility codes but does not honor the requests.

Review: I purchased a foreclosed property from Chase. I am owed $447.53 in taxes for the time they owned the property in 2013 prior to my purchase of it.

JP Morgan Chase Bank

2/17/14

Tax Department

Subject: Property Tax Refund

Location: [redacted] WI 54849

To Whom it may Concern;

On September 2nd, 2013 I purchased a foreclosed property from Chase at the above address. At the time of closing, Chase and I agreed that the taxes Chase owed me (for closing) for were based on the previous year 2012 tax bill of $1405.28. That amount divided 12 times 8 (the months chase owned the property) equals $940.69 was the amount that chase paid me. I was fine with that amount until my tax bill for 2013 came the total bill for 2013 was $2082.33. FYI taxes in Wisconsin are paid for 2013 on January, 31st 2014 and June 30th 2014. I have paid the amount due on January 31th 2014 of $1041.17.

I have no idea why the tax amount changed, and trust me, it is of no benefit to me to have them increase.

What I am asking for is a refund of the difference between the amount that was paid ($940.69) and the amount owed based on the new tax value of $2082.33 divided by 12 multiplied by 8 months equals $1388.22 minus the previous amount paid of $940.69 equals a total amount owed to me of $447.53.

Let me be clear, if my taxes had gone up $100, I would not care about this amount. But obviously the taxes went up by 50% which is why I am requesting the refund.

The refund amount can be sent to [redacted] CO 80443-1143.

I have included the tax record for 2012 and 2013-please note that on the 2013 bill it had indicated that I have paid the amount due in January, 2014. Lastly, I have included that bill that was given to me on in December of 2013 informing me that my taxes went up in 2013.

Please call me at ###-###-#### with any questions you may have and please call to indicate how you have chosen to proceed.

Thanks for your time and help,

[redacted] ###-###-#### [redacted] CO 80443Desired Settlement: I want a refund of $447.53 for the property taxes they owe me for the time they owned the property.