Consumer complaint received 2018-06-22
Company: Gitsit Solutions, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After the financial crisis, both of us loss our positions and was shortened if yearly income of at least 35000 from of both of our incomes. This was in XXXX. I had XXXX XXXX XXXX in XX/XX/XXXX. My husband loss tens of thousands in his retirement funds ; we had to withdraw slowly as no one could find better paying jobs or sell our property since we knew we could not afford the loan. We had our properties up for sale through a local real estate agent in XX/XX/XXXX. Banks were not lending, and we couldnt sell unless we gave it away. We sent XXXX to XXXX out of 401K and they still sent foreclosure papers to us. We were in the middle of filling out paperwork to get a modification loan or sell property, etc., but the cover sheet of the XXXX XXXX paperwork had that the property included two adjacent lots that the loan did not. XXXX XXXX did not show up or follow up in XXXX with our attorney response to the error, nor did our loan originator quicken loans show up or answe to the XXXX mediation meeting. XXXX XXXX still works for XXXX and we had discussed that we were not going through with the loan if the extra lots were going to be included in the loan. So the closing attorney made sure property description was correct and scratched out with an x and circled the lots XXXX and XXXX and had us initial that line. At the mediation meeting. XXXX attorneys showed where one line was missed st the very top of one page out if? How many in a binder that the papers folded over the top. XXXX would not give XXXX XXXX if SC Help any information as to how much XXXX would accept to cover the loan. The SCHELP money was XXXX to help South Carolinians save their homes. Which XXXX from XXXX at 2 percent and some 401k money would have saved our home. But XXXX at the mediation meeting in XXXX said they would unclaim the lots, give us XXXX and take our house. No was our answer. They did the bankruptcy thing after asking them and filling out modification apps with them also with no response. XXXX ended up with our loan and took a modification app from us and sent back that they would go down about 30.00 on the monthly payment. Which was XXXX. XXXX then supposedly turned over to Kondaur your, never heard if and really never heard if XXXX XXXX XXXX. We through requests from a XXXX XXXX with Kondaur sent in modification apps a couple of times with no response and then SC Help til us they could still hel us and due to our flooding the money was now XXXX to come off of what we would owe the mortgage company. Kondaur would not respond for us to get help. In XX/XX/XXXX, Kondaur, XXXX XXXX sent a realtor to our house that it had to be inspected before knowing about helping us with our house. The guy came, we rushed with the next modification app, the attorneys for them said they would unclaim the lots but wanted the house. Wanted to change our FHA non deficiency loan to a personal deficiency loan. Said the total we owed was about XXXX The lots that XXXX and XXXX could have told the truth that the lots were never included in the house loan would have ended in XX/XX/XXXX. But eight years later with XXXX never paid the property in the house much less the lots. XXXX did pay insurance and taxes. We have all tax receipts and end of year mortgage statements. They show us always paying the two lots. We have gone through anxiety of being told we were losing our home and We could have been able to pay with SC Help. If not., a home by our mortgage company within our budget at a low interest rate that president Obama said Americans were suppose to get.

Company response to consumer: Closed with explanation