Consumer complaint received 2018-06-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX Property address is XXXX XXXX XXXX, XXXX, CA XXXX My loan # XXXX XXXX XXXX My mortgage servicer is Rushmore loan management services , LLC Point of contact at Rushmore is XXXX XXXX XXXX ( XXXX ) XXXX last year I lost my job and got legally separated with my wife that's another income that I lost but now I have a good job and I work XXXX too, so I applied with KEEP YOUR HOME CALIFORNIA ( its a government help program ) and I got approved with them to reduce my principal and that was on Tuesday, XX/XX/XXXX with one condition that I have to apply for a loan modification ( APPROVAL LETTER IS ATTACHED ) with my mortgage servicer witch is RUSHMORE LOAN MANAGEMENT SERVICES , LLC so I downloaded the the application online and I found out that loan modification will not be accepted if i have a sale date within 37 days ( Put IN MIND I'M IN FORECLOSURE ) so I called my Mortgage Servicer on XX/XX/XXXX at XXXXXXXX XXXX ( XXXX ) XXXX ( I Attached My Phone Bill For Record ) and spoke with XXXX XXXX who handle my loan in the lost mitigation Department and I asked him clearly, Do I Have A Sale Date? and his response was NO NO, send me the application to work on the modification for my loan ( the conversation is recorded because he asked for my permission to record any call to him. 

I submitted the application with all the documents required according to their application on XX/XX/XXXX at XXXXXXXX XXXX ( I attached the Fax Communication Log ) then called on XX/XX/XXXX at XXXXXXXX XXXX XXXXo follow up and I was told that they need proof of rental payment which the have it in the bank statement because its a direct deposit and I told him that, and he said he will submitted himself. 
Then I called him on Tuesday XX/XX/XXXX around XXXX XXXX again to follow up with him due to the KEEP YOUR HOME CALIFORNIA letter expiration date on XX/XX/XXXX then his response was " sorry XXXX XXXX your modification was submitted within the 37 day of sheriff sale date, I asked him for help and he declined it, I asked him to speak with higher department they may make a dissension he also declined it then I had to call a lawyer today Wednesday, XX/XX/XXXX and he told me It's illegal to declined your loan modification it's not even submitted to the underwriter also my lawyer said that he can stop the sale and MAYBE get my mortgage servicer to work with me on my loan modification but no guaranteed and also my lawyer not sure that if they would work with me it will be done before my KEEP YOUR HOME CALIFORNIA EXPIRATION DATE WHICH XX/XX/XXXX, beside my lawyer asked for a lot of money which I don't have Then I had no choice but to call you for help and I would like to get modification done before XX/XX/XXXX because I CAN'T AFFORD TO LOSE THIS BIG HELP From KYHC. 

This is what I call home for me and my kids, and I'll do anything within my power to keep my home I worked so hard to get it and I put a lot of money in it, I can't lose it. 

Your prompt attention to this matter is very argent I would be very much appreciated for your help and if you have any more questions please don't hesitate to call my cell any time ( XXXX ) XXXX

Company response to consumer: Closed with explanation