Consumer complaint received 2020-02-10
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is being filed due to the mortgage companys merry-go-round home loan modification process and its failure to recognize receipt of all requested information and documentation. Throughout the modification process the mortgage company never assigned anyone to the modification of the loan and each person with the mortgage company had no record of prior communications and submissions. Despite numerous submissions of the requested information, the mortgage company closed the modification process based upon an alleged failure to receive requested information. This is not true. Also, when the modification process was closed the mortgage company said it was going to send out a new modification application but this has not been received. 

During the modification process the mortgage company said it was not going to move forward with any formal proceedings. However, this was not true either as it filed for foreclosure. The mortgage company said it was not going to move forward with the foreclosure litigation until the modification was finished. This was told to the Court. After that is when the mortgage company closed the modification and said it was going to send out a new application. The mortgage company never conducted the modification process fairly, its representatives could never see in the system what was done and it closed the modification for a false reason. Also, the promised new modification application has not been received. 

From what we were told by the mortgage company, we qualify for a modification based upon our financials. We submitted all the requested documentation on several occasions but it keeps saying we didnt. This isnt true. The concern is that we were led into this position by our mortgage company and we could lose our house. 

The initial modification application needs to be finalized or the promised new modification application needs to be sent to us. We desperately want to keep our home and can afford to do so. We need help. 

The following is the history of the modification process : In XX/XX/2019, we submitted paperwork for loan modification. In late XXXX we received a letter stating additional paperwork was needed. Sent tax papers and hardship letter and form state the number of household and vehicles. Meantime, the mortgage company filed foreclosure paperwork with the courts on XXXX XXXX. On XX/XX/XXXX, called for an update. Representative said we need profit/loss statement and forms stating number of household and vehicles. Explained that I already sent that form in, which she looked through the paperwork and verified. She was sending an email to loss mitigation dept to inform them. XX/XX/XXXX, we were served for foreclosure in the courts. Server advise to respond within the twenty days to not default with the courts. XX/XX/XXXX, faxed over profit/loss statement to mortgage company. XX/XX/XXXX, Called for an update. Was told once again that the household form was still needed. Recapped previous conversation with the prior representative, this representative also verified said paperwork and would email loss mitigation dept. XX/XX/XXXX, called for an update again was told form was missing and they verified in fact it was there again. They would email loss mitigation to notify them. XX/XX/XXXX, we filed paperwork with the courts for additional time as we believed we are working with the company to resolve our issue. XX/XX/XXXX, called again for an update. Was told the modification request has been closed on XX/XX/XXXX because they had not received all the paperwork requested. Then referenced the house/vehicle paperwork that numerous representatives had verified that had in the system.

Company response to consumer: Closed with explanation