Taxagent, which consumer protection law would suit my situation? This is basically why I am on this forum, I was hoping to engage with someone who may know of consumer protection laws
There are a variety of federal and state consumer protection laws that might apply to a mortgage loan situation. And each one has a different scope of what is covered. I'd have to review the details of the transaction and then walk you through each of those laws for you to see what might be impacted by the transaction if you wanted to know about every possible consumer law here. I hope you can appreciate that would take some considerable time and is not well suited to a forum like this.
But I'll give you one example so you can see how these laws tend to work. The Truth-in-Lending Act (TILA) requires lenders to make specified disclosures to borrowers in certain loan transactions. Further, TILA grants to borrowers in a "consumer credit transaction" a 3 day right to rescind a loan in which the borrower will put up a security interest in a property that he uses as a his primary dwelling (basically a mortgage loan on your principal residence). A "consumer credit transaction" is defined as "one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes."
So, to the extent that the LLC is the borrower and/or the one putting up the property as security for the loan, the TILA right of recission would not apply because a LLC is not a natural person. You must be a borrower on the loan as an individual, be the one putting up the home in which you live as security for the loan, AND the loan funds must be primarly for personal, family, or household purposes for you to get the benefit of the TILA right of recission.
As you can see, these laws are detailed and the exact definitions matter to determine what is covered and what isn't.
I am asking if the title company has admitted an error and they do a correction deed which would deed into my name, does that pretty much nullify the current DOT bc the LLC never should have been the grantor?
That's a different question. The LLC cannot grant a deed of trust in a property it does not own. So, does the LLC own an interest in the property? If not, then the deed of trust it granted isn't any good and they'd need to fix that to get a good deed of trust in place.