You may have an NOD filed because if you're doing "trial loan mod" payments, because you're not making the FULL payment, even though you're trrryyyying to get a loan mod, the bank still looks as this as "you're missing payments", hence the NOD. I have seen this happen time & time again.
If your bank doesn't grant you a viable loan modification that makes financial sense for the long term (30yrs) within a MAX time period of 90 days, your chances of getting an actual loan mod is about 1%. Banks are NOT interested in granting loan mods that truly make sense. Put it this way, it only took the bank 2-3wks to analyze your income / assets, credit etc in order to grant you the loan in the first place & now they drag their feet.
Shoot me an email directly, I can help you, either way. I don't look back on this same Trulia posting for answers after mine.
Emily S. Knell
Realtor Since 1996
Realty ONE Group
100% short sale success ratio
& I can Prove it
I suspect it may be a mistake if it was only seen on tax records and nobody actually pulled the recorded document. Tax records are notorious for mistakes so stay calm for now.
Be careful, if you are correct and your payments are done on time even at the end of the month you should not have NOD notice of default. call your lender ask for payment history for last t 12 months, compare that information against your cancelled checks and see were is the error. if you are correct call you lender tell them to correct that information with credit bureaus, and public records. if you are on trial payment, forbearance or payment plan they will report that you are meeting your original obligations.
there are many ways to fix your problem as long you are correct on your statement.