If you don't have this, because of some kind of homemade or gentlemen's agreement, then you will likely need a court to enforce what you say are extra principal and they say are service fees. 

.---🧾 The Quitclaim DeedIn April 2024, I paid the same attorney and title firm that handled the original closing to draft and record a Quitclaim Deed.The document removed Co-Borrower from the title and granted sole ownership to me.The deed was properly signed, notarized, and recorded at the Raleigh County Clerk’s office.It does not reference any mortgage, deed of trust, or lien—and I’ve confirmed none is recorded.I’ve maintained the home, made payments, paid taxes, and treated it as mine since then.---🚩 What’s Happening Now (July 2025)I listed the home for sale this month with a licensed real estate agent.Within days, my Realtor got a phone call from The Seller and her attorney—a man based in Wyoming County, not Raleigh.

The home made sense, the location, size, and prices.

Across from my primary home.

It may be an OD from homemade meth and they don't want people in there until it's cleaned up. 

They are a local Louisville, KY homemade kitchen that makes Bourban balls and they are great Christmas gifts.

Some thing a home made freebie web site will be the ticket.  

To spend a few bucks randomly is similar to trying to sell homemade soap going against P & G by buying 2 time slots at 3 AM on the local free access channel.   

As we know home made deeds ( Deeds not prepped by an attorney or title company) many times will not be insured on the exit depends on the title company and state.

It was like all he did was eat chili and "paint" day n night.....