Product: Mortgage

I obtained an FHA mortgage via XXXX XXXX XXXX  in XXXX. The property was inspected but the inspector was unqualified. The FHA appraiser relied on the unqualified inspection. We closed and discovered in days the property was dangerous. I repoeted it to XXXX and XXXX  but got no help. We had to evacuate for safety. I notified Nationstar when it began servicing. Instead of helping me, Nationstar foreclosed. Under FHA regulations outlined in HUD. HANDBOOK 4000.1, no acceleration of my loan was allowed if FHA regulations were not met. These terms were incorporated into my mortgage note and contract. 

I have notified Nationstar of the error back to XX/XX/XXXX and notified the previous holders, XXXX XXXX XXXX  and XXXX  XXXX XXXX and Nationstar repeatedly that the property was not habitable at purchase and was falsely approved by the originator, XXXX, which settled with the Department of Justice in XXXX for false FHA approvals. I never was able to live in the house since it was dangerous at purchase. I actively sought a deed in lieu and a short sale which Nationstar ignored and actively blocked. 

Nationstar has reported to FHA false reasons for my default, depriving the DOJ of proper information and me the custom loss mitigation that matched my circumstance as required by HUD regulations. FHA regulations required a full investigation of my property complaints and instead, Nationstar falsely reported " no contact '' to HUD to deny me and FHA legal servicing. 
Nationstar knowingly was falsifying self-reports to FHA to skirt loss mitigation and to avoid investigating my complaints. It is why the DOJ didnt know about my issue when it settled with my originator back in XXXX. 

Instead of reporting fraud in the origination, Nationstar reported it foreclosed on me due to no contact from me, so it did not trigger an issue with FHAs Single Family Default Monitoring System to detect bad servicing and fraud in origination. Had Nationstar reported contact with me, it would be required to show its loss mitigation efforts for me. Had Nationstar reported a default due to a fraudulent FHA appraisal by the originator, it would have to show its investigation. Instead it did nothing and reported no contact, something a borrower can not see under normal circumstances. I have shown Nationstar these documents and was ignored. 

Nationstar ignored the contracted regulations, denied me loss mitigation before the second payment was due and failed to investigate my complaints of dangerous property conditions at purchase, fraud by the originator. 

Between XXXX and XX/XX/XXXX I had approximately 30 contacts with Nationstar, including a written dispute of the debt by an attorney due to the inhabitability of the property at purchase. My originator, XXXX XXXX settled with the DOJ for {$48.00} XXXX for approving properties for FHA loans that did not qualify, my loan fit the criteria and timeline. 

Nationstar has knowingly broken federal law and has taken the property illegally with false testimony in Maine Superior Court. Nationstar testified in my foreclosure that the only contact it recognized in its servicing of my mortgage is " payment. '' The witness also testified that an internal Nationstar document was FHA giving Nationstar permission to foreclose. 

Nationstar was awarded my property in foreclosure last year. 

Now Rushmore Servicing is demanding payment on this property and non stop robo calling me. I have contacted Rushmore with this information told it to stop calling and to communicate in writing via email only. 

Nationstar has been notified of its servicing errors on my mortgage repeatedly, by me, by attorneys and it continues to break the contracted FHA protections and federal law. 

I consider Nationstar 's behavior in servicing my FHA mortgage a crime against me and the federal government at this time and expect Nationstar to self-report to FHA and make this right for me. 

The servicing of my FHA loan needs to be fully investigated. I have the necessary documents. 

Nationstar lied in self-reports to FHA on the Single Family Default Monitoring System to escape following regulations and retain its Tier 1 status with FHA to report no risk to investors. 

There is no way for a borrower to view reasons for default reported on the SFDMS and the borrower is the only one who can identify false reports. Out of four reports I saw, three were false Nationstar has lied to FHA, the court and took my house illegally. Now after 10 years of legal battles that made me sick, it has my house and is still harassing me for payment. It is unconscionable.