Consumer complaint received 2016-09-27
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX - Since the last complaint XXXX I filed against XXXX XXXX XXXX XXXX I have sent an appeal to Nationstar the servicing Company for XXXX XXXX Mortgage. I have had one call because my brother died - XXXX XXXX XXXX who was on the mortgage and I am to here back from her in 2 days. Her name was XXXX XXXX at Customer Relations, Nationstar. telephone number XXXX. That was 2 weeks ago. 
To : Federal Trade Commisssion, FTC asking for assistance to see if my Loan was the subject of Predatory Lending and why XXXX XXXX XXXX XXXX will not approve a modification Denial reasons : Property not Owner Occupied : 1. I was unable to remain in the home due to XXXX family members passed away tragically in the home XXXX. 
2. HAMP - assistance - the home can be rental property. 
3. I foresee imminent default due to going over my budget would have a deficit of over {$1500.00} a month making the home unaffordable and possible foreclosure in the future. 
4. When my brother passed the loss of income was {$4100.00} a month. I also had medical expenses from my father of {$15000.00} and before my mother past away I had {$3000.00} along with burial expenses. 
Summary : Hardship I am current on my mortgage, however I believe that I have an imminent default ( my loan is not yet in default but there is a high probability that it will soon be in default ). My mortgage payment is {$2200.00}. On XXXX XXXX, XXXX my brother ( co-borrower ) died. XXXX. Upon his death I lost {$4100.00} a month and he was the co-borrower on the loan. In XXXX my father also passed and I had to cover medical and burial expenses in the amount of {$15000.00}. At that time I became a XXXX to my mother and contributed {$3000.00} a month for XXXX, and she eventually passed. I had to pay XXXX for her burial expenses. My brother, father and my mother died tragically in my home and I had to relocate from my home due to XXXX family members passed away in the home tragically and residing there was too stressful. The police at one point said it look like a crime scene. I have inherited my grandchildren. 
In XXXX XXXX I received an e- letter from the lender Nationstar which stated that my payment will increase from {$2200.00} to {$4600.00} a month starting XXXX XXXX. I immediately took steps to improve the financial situation. I contacted the lender and applied for a modification. I was denied due to the home is not owner occupied and I am current on the mortgage payments. My financial hardship is due to the fact that I am unable to afford the increase in payment. Also my children are in the military and they will be XXXX very soon and I will have to move again to help with taking care of their children. They are single parents. I also am taking care of my XXXX grandchildren which make my monthly expenses increased. Currently my grand-daughter is pregnant and I will have a new addition to the family which will cause expenses to increase in the near future. My grandson has XXXX. 
I have enclosed supporting documents to support my statements. 


















































Desired resolution

Company response to consumer: Closed with explanation