Consumer complaint received 2018-07-23
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Greetings, I sincerely hope that all is well! I would also like to apologize now for this weekend email. 

I received a late night call from a couple concerned homeowners. In XXXX XXXX XXXX. 

I am sending this email out to you to see if you are able to assist the homeowners involved with this Habitat for Humanity transfer? 
Habitat For Humanity receives millions of dollars from organizations like HUD and the City of XXXX. 
I received a call from a few devastated homeowners. The homeowners feel they are being forced to sell their homes to the lender that acquired the mortgage and become tenants in their home. 


Scenario : XXXX XXXX a homeowner that was a part of the Habitat Homes from XXXX. 
Habitat apparently sold 12 mortgage on XX/XX/XXXX. The attached assignment is the 12 home owners impacted by this acquisition. 

The issue : XXXX XXXX receives a certified letter from Habitat XX/XX/XXXX, the mortgage was being transferred to XXXX ( XXXX XXXX XXXX XXXX XXXX ). The servicing of this loan will not change the terms. 

Ms. XXXX, contacted XXXX and spoke with XXXX XXXX and was told that they are the new owners of the property. Ms. XXXX was offered to pay XXXX rent for 3 months and begin paying {$800.00} beginning XX/XX/XXXX in addition to paying her {$5000.00} to sell her property. The homeowner is confused because she is the owner of the home. XXXX XXXX walked the home and offered her a deed in lieu and also foreclosure as an alternative. 

Unfortunately, Habitat for Humanity did not mail any of the homeowners a monthly statement. The homeowner is not aware of any delinquency. The clerk of the circuit court has no records of a lis pendens or foreclosure. 

I am truly concerned for all of the homeowner 's Habitat has not handled the loan servicing correctly or the transfer of the mortgage. 
# 2 OF 12 Ms. XXXX XXXX owns one of the subject properties. 
The homeowner contacted Habitat today and was verbally told her home was transferred, the homeowner never received a certified letter ( per the mortgage the client should receive ) a notice. 
XXXX XXXX at Habitat for Humanity notified the homeowner today her loan was sold and she needs to call them regarding her mortgage. 

Habitat was in the midst of repairing her defective roof and also kitchen cabinets.The homeowner had forced place insurance because her home is not insurable. 
The homeowner owes XXXX and is current to her knowledge on her payments, none of the homeowners receives monthly statements. 

# 3 XXXX XXXX Has had some past-due payments. Habitat sold their loan to ( XXXX  ). 
The homeowner would like to have the assistance of an attorney to navigate through this process.The homeowner does not trust a non servicing company. 
# 4 XXXX XXXX Was at one time delinquent made the loan current XX/XX/XXXX. The lender sold the loan days later. This client would like to assistance of an attorney to navigate through the process. 
# 5 XXXX XXXX This homeowner is in default. We believe the payment is not reflected on the credit report. The client would like to refinance and obtain the assistance of an attorney to navigate the process. 
# 6 XXXX XXXX XXXX will need foreclosure defense assistance. She was laid off and now gainfully employed. The homeowner has the equity to refinance and the mortgage to get away from this lender as it doesnt report on the credit report. 
8.XXXX XXXX I spoke with she is totally unaware her mortgage is sold and would like assistance as well. 



The new payment for XX/XX/XXXX has some confusion the homeowners needs the help of attorneys to figure out this matter. I am working diligently with the homeowners to avoid this tragedy. 

The XXXX XXXX is owned by XXXX XXXX a real-estate broker and managed by XXXX XXXX a realtor in XXXX. They recently, re-organized to the name XXXX from XXXX XXXX. 

I am only sharing this information because of the involvement of senior citizens, single parent mothers whom are being intimidated by a non official mortgage servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation