Consumer complaint received 2017-10-27
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This was sent via email to XXXX XXXX on XXXX/XXXX/XXXX, this followed numerous emails to their office to XXXX XXXX. During this time I was told that they were experiencing a changes within the company and a system shut down had caused a modification that was applied for in XXXX to linger to still not be decided upon in XXXX, and that is why I may not have received any responses back. I was not given the opportunity and time needed to make informative decisions regarding my home. " Hello XXXX XXXX, XXXX loan number is xxxxx and I am hoping to reach someone about my options after forbearance. Initially, I was not explained that my home would immediately go into foreclosure if I was not able to bring the loan current before the end of the month. I received a phone call from one of your representatives on XXXX XXXX stating that foreclosure or approval of a modification were my only options. According to the plan contract, I was supposed to be contacted 60 days prior to plan ending and also sent a XXXX XXXX XXXX. I did not receive a phone call or the packet. I also requested a modification packet on XXXX XXXX and have not received that either. I am wanting to do all that I can to save my home. Please cooperate with me so that I am able to benefit from any of the options available to struggling homeowners. The cooperation from State Home Mortgage has been a standing problem for a many years that I have resided in my home. Just last year I was forced to file a complaint due to the neglect of XXXX XXXX refusing to respond appropriately to the submission of my modification request application forcing me then into this XXXX XXXX Offer. This offer, if I had understood the terms more clearly, would not have been an offer I would of settled upon. According to the woman that offered it, I would not have to worry about payments until the 6 months was over. She neglected to explain that I would not pick up payments regular payments after the plan ended. Yes, I do now understand the delinquency warning suggested that it would report to credit but it was not explained that the 6 months of payments were still due during the Forbearance time period. I am requesting a knowledgeable representative contact me at xxxxx and be ready to discuss all of my options to save my home from foreclosure. I desire assistance with modification once the modification paperwork is sent to me at my address. I would also would like to know what the meaning of reinstatement, repayment, and other alternatives to foreclosure mean and consist of with your company XXXX State Home Mortgage XXXX. Thank you, On XXXX XXXX I discussed the modification trail with XXXX XXXX. She notified me that there was a lien on my property and that will hinder me from getting an approval on my modification. I did speak to her about options of bankruptcy to clear the credit card charges off my credit and would that affect my modification. But I did not suggest that I would bankrupt my home for any reason. She has always been very aware that I would like to save my home of 10 years. I then asked XXXX to send me over the liens that she had so that I may confirm the liens at the XXXX XXXX courthouse. The same day I went down to the XXXX XXXX XXXX office and they notified me that there were not any liens on my property in their system. That there may be liens on my name or social security number due to credit or medical bills but not on my property. Due to me being self employed, he informed me that companies could not garnish my wages or place a lien on my property especially without me being personally notified of that. Never received any calls about missed payments or lien info until XXXX XXXX from XXXX XXXX. After leaving the clerks office I emailed and called XXXX XXXX back informing her of these findings and asking what was the next steps for the modification at this point. I have email on XXXX XXXX that proves that. XXXX has also informed me in reference to the other times in which they have tried to help me, that their notices to me have returned to them undeliverable. This was indeed the case for reference XXXX XXXX XXXX plan. XXXX advised it has return undeliverable so she will a new plan that would start XXXX XXXX. There were many times I had not received their notices. Just as Ive recorded my last conversation with them, that they had not sent me a trail plan default as they had suggested was given to me. XXXX then went back in his office and printed off the XXXX XXXX letter that I was supposed to get and said it should have been sent. I received this noticed on XXXX/XXXX/XXXX after receiving the notice that I breeched the forbearance agreement therefore receiving my XXXX and XXXX payments back from State home. The modification terms that State Home has breech reads as followed : If you successfully complete the Trail Period Plan by making the required payments, you will receive a modification with an interest rate of 3.50 % which will be fixed for 40 years from the date the modification is effective. * If we determine that the unpaid balance of your mortgage is more than 115 % of the value of your home, you will be eligible to have up to 30 % of your principal balance deferred First payment effective XXXX XXXX for XXXX, XXXX XXXX, and XXXX XXXX. All payments were completed as agreed upon and there was still no agreement or approval of modification after this time. The conversation about Liens happened 3 months later ( still making trail payments at this time ) when I was supposed to be completed with trail period according to the agreement. Furthermore, there has been no contact or written notice of explanation given to me beyond our last email on XXXX XXXX. I was not sent an official denial notice, state home continued to accept my trail payments, and they also sent me a payment coupon book to resume regular payments of XXXX as of XXXX XXXX, XXXX. This lead me to believe that they had cancelled the modification and now I was to make regular payments. Everything has resulted in domino effect due to their negligence to handle these agreements in a timely manner. They have done nothing to help me as a home owner. The past modification that was suggested that I did not qualify for was based upon their negligence to account for paperwork that had been sent to them from the HUD counseling center. We have had nothing but problems with getting paperwork and cooperation from state home. It is so bad that a representative over heard my complaint while in the office speaking to XXXX and pulled me to the side to suggest to me how to get around him to save my home. The employee left the company but she is the reason why the first modification was approved and I was able to apply for the HARP. No one that helped me offered any of what this said employee offered me off the record. It is sad that they do not offer what is indeed in place to help homeowners afford their homes in such a trying economy. If I need to provide any emails or recording, I can provide that. I also have my contract that they also received that specifically states that it ended XXXX XXXX. I would of never told them that I didnt have a job. I have been self-employed for that last 4 years. I paid all my trail payments on time up until XXXX. I am not unemployed, I am self employed. 

Mortgage Statements Present receipt of payments for the following months in question : XXXX. XXXX payment : XXXX/XXXX/XXXX XXXX. XXXX payment : XXXX/XXXX/XXXX XXXX. XXXX payment : XXXX/XXXX/XXXX XXXX. XXXX payment : XXXX/XXXX/XXXX XXXX. XXXX payment : XXXX/XXXX/XXXX XXXX. XXXX payment : XXXX/XXXX/XXXX XXXX. XXXX payment : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation