We received a letter from our mortgage company stating our home (which we very much live in) has been listed as vacant. They are threatening to change the locks and foreclose. Help! : RealEstate

We will be calling them tomorrow to try to sort this out, but this seems like a sleazy way for the mortgage company to foreclose on a home with significant equity in it. Suggestions?? Is this even legal? They said they sent an inspector out and the house was vacant. Seeing as how we have a snow filled yard with shoveled walks and recent dog shit in the fenced in area it’s very obvious it’s lived in. We have always lived in the house, so I’m not sure what evidence their inspector has that it’s vacant.

here is the letter (cropped for privacy but that’s all there was)

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