Consumer complaint received 2023-09-08
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My husband and I bought a home from XXXX XXXX XXXX in XXXX of 2023. We had worked hard with the help of their salesperson to make sure we could put the house on my parents land, including both myself and the salesperson calling the county to make sure there were no issues or restrictions to put the house on the land. The salesperson constantly assured us that everything was perfectly fine moving forward and as part of the sale paperwork, we signed a document saying the salesperson had not helped us with land issues or deed issues, even though we have plenty of text messages showing otherwise, we didnt think it was a problem. The day after the house was delivered we were told by my parents neighbors that there was a single restriction from the oldest land deed stating no mobile homes shall be permitted on the land and that even though it is not stated on my parents property deed that it carries down and is still a valid restriction. After informing XXXX XXXX of the situation they continued to urge us to finish drilling and setting up utilities and that everything was fine because the neighbors cant actually do anything because its not a mobile home, its a manufactured home. Despite XXXX XXXX urges to continue from both the manager and the salesperson, we put a hold on eveything and decided to talk to a lawyer to see what we could do as we had heard that they neighbors were possibly willing to go to court to have the house removed since it was in violation of the property deed. After talking to a lawyer, it was discovered that yes the restriction is still valid even though the argument would be on the definition of mobile home and whether or not our house would be counted as XXXX by definition or not and if therefore could stay, but since the deed and wording is undefined and unclear that it was a grey area with no clear win. Instead, it was suggested we talk to the bank who financed our loan, CountryPlace Mortgage, and XXXX XXXX about cancelling the loan or having them resell the house to get it out of our hands. XXXX XXXX had all but washed their hands of us and refused to help us and give us any information, continuing to tell us that we should continue working towards moving in and that the neighbors were just trying to scare us, despite sharing the deed information with them as well as what the lawyer had said. We attempted to talk to the vice president of XXXX XXXX XXXX XXXX but he would only say he cant do anything and to continue talking with General Manager XXXX from the XXXX XXXX location we had bought from. Country Place Mortgage has also been unhelpful when providing resources and information during this process, refusing forebearance and not offering information on short sale or even resources for how we can get help for the hole my family is now in. My husband and I are not only paying mortgage on a house that has no utilities and can not be lived in but apartment rent as well and it seems that no one is willing to help us.

Company response to consumer: Closed with explanation