Consumer complaint received 2016-04-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I lost my husband to XXXX. Until that time, we had XXXX incomes and decided we wanted to buy a home, both of us in our XXXX 's, decided it was time and coming into the age of retirement. I worked for XXXX for 15 yrs. and my husband worked as a XXXX. In the course of my job, I got injured on the job, and had XXXX XXXX, which left me declared XXXX my Social Security and my XXXX, who represented the courts. My job was unable to accommodate me anymore, and was forced into an early retirement. My husband passed in XXXX XXXX, and we had discussed that we wanted to live and retire where I currently livig now. 
I contacted XXXX XXXX XXXX XXXX and applied for a loan. I had been visiting the area where I currently lived for 6 months on weekends looking at homes. My realtor let me know of this XXXX home that I might be interested in, and I came out and viewed it, loved it and proceeded with the financing application, in which I got from XXXX XXXX. 
The deal went through, I got my home and was thrilled. This home is in a rural area and was not aware of the costs that exsist with rural living, being I lived in a big city all my life. The expenses were high, propane, fire insurance, yard cut backs for fire prevention, firewood, certain moduels had to purchase to be able to get phone service etc. 
Being on a fixed income, these depleated my income quickly, but I found certain programs that would help me, being XXXX and a XXXX, to cut back my electric bill and water, and go to the dump to dispose of garbage instead of garbage service. 
A couple of months later, XXXX XXXX, sent me a letter stating that my loan had been sent to another Lending company, Caliber Home Loans , Inc., and that they would be my new lending company and my payments should be sent to them instead. They gave me all the information, and where to send payments. 
The first 2-4 months were fine, being it was XX/XX/XXXX and none of the other expenditures had come into affect yet. After the first year and the other expenditures came into affect, is when I found myself with little to no money at times. At this point, Caliber knew of my income status and bought my loan. 
Around about XXXX XXXX, I contacted Caliber Home Loans, and asked for a modification, to try and reduce my mortgage payments to something a bit more workable. They gave me the information I needed to apply for a modification and I proceeded to provided them with what they needed to make a determination of my request. They kept in contact with me, asking e for more documents and I would fax them to them. A few weeks passed, and they would be requesting those same documents over and over again. Sent them banks statements, letters from my retirement plan, which is a lifetime benefit that states that on the letter, social security benefits letters, which is a lifetime benefit, hardship letters, budget assessment etc. We have gone back and forth with these same requests for over a year. Finally, got a letter of denial and foreclosuer notices, commencing in XXXX XXXX to current date of XXXX XXXX, which just received another notice of postponment to XXXX XXXX. 
I have talked with attorneys and have been told that they have proceeded with my foreclosure in an unlawful way. I ca n't afford an attorney to help me with this matter, so Im trying to get some assistance to save my home..I do n't want to loose it, its all I have. If they could just lower my mortgage payment by {$300.00}, we both could be happy ... they get money and I could keep my home. Please assist me in any way you can ... need help and quickly.

Company response to consumer: Closed with explanation