Consumer complaint received 2022-01-11
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home with a VA loan as a qualifying widower of a XXXX veteran. 
I signed this home loan purchase at the documented monthly payment at a much lower rate than what it currently was. In XXXX of XXXX  I was sent a notice of change in monthly mortgage payment. To be due 1 year and 2 months after I purchased my home, I was sent a change in mortgage monthly payment amount, due by XXXX/XXXXXXXX only the month prior. They also didnt include the property tax exemptions for being XXXX into the increased note. AND I was told the payment was going to be due on the XXXX of the month. Which is around my payment date. It is due on the XXXX monthly. 

They increased my monthly mortgage payment from {$1200.00} TO {$1900.00} They approved and signed my loan at XXXX $ a month. Then told me they didnt add something into the loan at purchase agreement which caused the increase to XXXX XXXX 
That is their fault. 
They approved and signed the same papers I did. 
XXXX $ wasnt the loan note that I signed, nor did they. 
We signed for XXXX XXXX 

My incomes are- Social Security Disability DIC Widows Benefits VA Through my child who was a dependent of the deceased XXXX veteran and receives Survivors Benefits- Social Security Survivors Benefits ( They counted this as my income ) Because of my child getting survivors benefits, I get Social Security Widows- Social Security Widows Benefits My house was purchased with these FIXED incomes. With a VA Loan. 
I am XXXX myself and receive my own XXXX. The 100 % XXXX veteran ( prior to death ) whom I am the widow of is the reason I qualified for this VA Loan and the reason I get Widows benefits payments from the VA and Social Security. 
Meaning my income does not have room for a large budget change. I can not make overtime or get a higher paying Job like others could to pay this extreme increase. I also know that my income is not taxable. But I do not know exactly how that would help or not help me in this situation. 

I am a XXXX surviving widow of a deceased XXXX veteran, who was injured serving this country ( USA ). 
My tax exemptions were not included on the new increased payment amount. 
And my childs benefits were counted as part of my income from what I can tell. 

How can they increase my payment by such a large amount? To pay this note, I am having to get rid of my vehicle, and still owe money on it although it will no longer be mine. So basically a repossession. I can not pay my credit card bill, nor my student loan. 
They approved and signed my loan at XXXX $ a month. Then told me they didnt add something into the loan at purchase agreement which caused the increase to XXXX XXXX 
That is their fault. 
They approved and signed the same papers I did. 
XXXX $ wasnt the loan I signed, nor did they. 
We signed for XXXX XXXX 

I am XXXX, a widow who has a child and I have a VA Loan. 

How is this legal and why cant anyone help me with this company? 

My loan should be reduced to the monthly payment that they approved and we signed for at purchase. 

Back to XXXX $ and NOT XXXX $ I AM STRUGGLING TO MAKE ENDS MEET! 

*HomeLoanServ- mortgage company. *

Company response to consumer: Closed with explanation