Consumer complaint received 2018-04-08
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Whole process buying my house was horrible, I was treat really bad and the numbers were confuse from the beginning to the end, plus a lot of blank addendum pages, ( no signed for me ), never either I got a decent closing Packet documents.

One year passed.

I made some improvement to the house. 
plus the house per appraisal had a higher value at closing time. Sold {$210000.00} and the appraisal was {$220000.00}. The balance now XXXX  XXXX. 
plus I have a lot of byer right now they are offering me {$300000.00} for the house as it is. The only thing that I want The PMI off. I am a single mother in need to reduce the monthly payment I called the mortgage with question about the PMI company, I was told Caliber Home Loan, I said Why? is that correct? that the seller and the PMI company be the same. Contract under my name and Caliber Home Loan.
then I was told that I had a XXXX XXXX Mortgage, I said no, My house was a bank owned house, I bough to Caliber Home Loan. ( there is long sad history about my process buying a house, that I want to share with you because I want others learn from my experience but I will send a letter later to you ) about the seller they say I have Freddy Mae mortgage and I do not know anything about Freddy mortgages and no documents showing that information.

I request documents/information about the PMI being removed from my mortgage and they sent it to me looking good and fair. 
But then immediately to that I receive a Shortage letter asking me for {$3300.00} for the taxes last year. I called them and they told me was the insurance and the taxes, the Home insurance no possible I paid in advance a whole year payment {$800.00} at closing time plus I have been doing payments every month for a whole year no possible ( I have the documents from the Insurance company with same amount for XX/XX/XXXX until XX/XX/XXXX ), finally is related to the taxes from last year XX/XX/XXXX. 
Taxes for the house Year XX/XX/XXXX {$100000.00} XX/XX/XXXX I am not sure about how much was it. ( I did receive a notice from the XXXX county when a proposed amount for XX/XX/XXXX between {$3000.00} and {$3200.00}, nobody understand why the taxes went up more than 50 % for the house, I do not have even a middle school close for my son, all are far away form the house. 
I paid in advance {$700.00} for 7 months at closing time and I paid 8 months from XX/XX/XXXX to XX/XX/XXXX.  I can not be short for that amount. I did request an Escrow account disclosure per month from the first day. I did request a mortgage documents. I waiting for them right now. 
CALIBER HOME LOANS. account number XXXX. Loan XXXX Sellers : Caliber Home Loans XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I had had a lot of incidents from I moved " XXXX XXXX XXXX XXXX XXXX Fl. XXXX at XX/XX/XXXX but no prove to say that somebody was getting in like I suspect. 
Again I want to share my horrible experience with others nobody deserve that when buying less a house. 
please let me know if you need something else. thanks in advance and have a wonderful day.

Company response to consumer: Closed with explanation