Consumer complaint received 2022-01-15
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, My father passed away last yr. Before he died, he quit-claimed the house to me and I'm registered as the official property tax owner for the house in Texas XXXX 

I was my fathers ' XXXX 's caregiver for XXXX yrs, and during that time we paid off some of the house, over {$46000.00}. Including the down payment, leaving ; and {$110000.00} from the original {$150000.00} loan still due. Plus {$5000.00} added from the forbearance extension. 

When my father died they did not allow for an automatic assumption of the loan, even though I have been paying it off for yrs. 
Selling books, etc. online. when my father was alive. 

Instead, when he died ; they only allowed me to be a " Successor of Interest '', meaning : I pay the mortgage due. However, the house mortgage is still in his name. 
Every letter they send to my house, is addressed to my deceased father only. 

The mortgage company Rocket Mortgage offered the forbearance, after he died. ( I was already classed by them as the " Successor of Interest ''. 
So, I took the forbearance offer and there is {$5000.00} past due in forbearance, which they even extended into another 3 months for me to bury myself in deeper with the final demand of Forbearance Lump-Sum or Lose the House. 

I was under the understanding that when forbearance ended, I was going to either automatically receive a Re-payment plan, over many months, or a Deferral until the end of the mortgage. It say 's so on their website, with the forbearance rules. 

This week they told me that those options did not apply to me, & that only my ( deceased ) father was able to have the forbearance repayment plan or deferral plan. 

Instead, for me ; they said I must pay all past due XXXX the next 3 months of forbearance at once, or go through the new mortgage loan process, to assume it. 
Which I can not qualify for at this time. 

I am very intimidated by them ; & dreadfully afraid of losing my {$40000.00} investment. 

They also said, if I do not qualify for their assumption they will quick-sell the house at XXXX reduced price. 

I do have a small income and can pay the monthly mortgage, but they're asking for {$5000.00} plus the mortgage due every month. and still not automatically assuming the house into my name. 

Please help. Is there a lawyer service that will protect me? 
Can your service protect me and tell them to auto-assume the mortgage, that " Successor of Interest '' is just fraudulent. 
I pay for the house, and yet they never allow me to be the mortgage owner? 
& then they even lead me astray into using the long-term pay-back forbearance option. 

Lump-Sum means credit card cash advances, & I don't have that much cash advance on my credit cards. 
They will not let me use the homes equity either, without a complete re-finance. 

This house is not supposed to be my inheritance lost & 6 yrs of work stolen, but Rocket Mortgage is taking advantage of the situation and hurting me, & I can even feel this pain physically. 

I'm only XXXX yrs old, not supposed to die already. 

Thank you.

Company response to consumer: Closed with explanation