Consumer complaint received 2022-12-12
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2020 we applied for a mortgage forbearance with Amerihome due to financial hardships caused by Covid-19. We were approved and paused our mortgage payments for 6 months, then got approved for up to a year. After forbearance was over, we applied for a loan modification. The modification came back and the mortgage was too high, so at that time our situation had not gotten much better and we denied the offer and reapplied. The company continued to ask for copies of the same documents over and over and each time they would " close '' the case, claiming they did not have the documents they needed. We have submitted everything they've asked for each end every time, yet they continued to claim they did not have the documents. We have applied numerous times, and each time it's something different. At one point they had put in the information that my spouse had passed away, which was inaccurate. This has become an absolute nightmare and this mortgage company is either grossly incompetent or purposely stringing us along so they can take our home. We were approved on XX/XX/XXXX for a loan modification and were told we could start our mortgage payments on XX/XX/XXXX for {$2200.00}. We received the paperwork on XX/XX/XXXX, and on XX/XX/XXXX we sent all the documentation they requested via XXXX. On XX/XX/XXXX the lawyer received notice that the mortgage company claimed that the paperwork they received was a photocopy, which was not true, then they claimed they didn't get it at all. XXXX shows that they signed for it on XX/XX/XXXX. As of XX/XX/XXXX, the permanent documentation was still in review. On XX/XX/XXXX they declined to state the documents were copied again. The " copies '' they are referring to were copied on their end and we sent back exactly what they sent us. We attached new documents on XX/XX/XXXX which were delivered on XX/XX/XXXX. We called the mortgage company on XX/XX/XXXX to make our payment, as per the lawyer 's office, and were told that they closed our file 2 weeks prior on XX/XX/XXXX. So once again, they closed our file without telling us. So at that time, they would not let us make a payment. They denied our application based on the claims that they did not receive the paperwork in time, however, we have documented receipts that they received it on time. The packet was then resent on XX/XX/XXXX. On XX/XX/XXXX they requested more documentation, which was sent back the same day. XX/XX/XXXX the modification was deemed complete. XX/XX/XXXX it was still pending review and as of XX/XX/XXXX they came back with an approved trial modification at the rate of {$3400.00} which is now over {$1000.00} more than the previous offer which we can not afford. We feel this is an unreasonable amount. At this point, I believe that this mortgage company is predatorily attempting to get us to give up our house because it will make them more money. We are a family of XXXX and bought this house as our forever home. We have been fighting for over 2 years and just want to keep our home and make our payments.

Company response to consumer: Closed with explanation