Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IL)

I was on the forbearance plan which in XXXX of XXXX I tried to extend for another 3 months. I went through the normal process and waited a day or two to see if it went through. I went online to see if it was approved or not. I checked my account online and it said " no payment is due ''. I thought that the forbearance was extend to another 3 months. But it turned out that it had ended and I was at default with my mortgage for the whole time I was in the forbearance plan and after it ended in XXXX. I ended called in XXXX wanting to end the forbearance start making my mortgage payments and that's when I found out that I was at default. 
I never received a letter telling me that I could no longer extend the forbearance plan and that I had to start making my payment. I asked for a partial claim so that I can restate my mortgage. They never send me and packages or letter to sign like the customer service rep and said I wait two weeks and called again. The customer service rep that answer said that the account was in underwriting and that they didn't need anything from me.

A couple of days later I received a letter stating that I need to send them all documents to start the process for a loan modification. I was confused because I had asked for partial claim. I went ahead and sent all the documents they asked include some form that I XXXX online because they never said any package requesting for any documents. Then I received another letter stating that I had missing documents for the loan modification. I called to find out they were talking about and it turn that I was supposed to get the form from they the mortgage company. And again I asked for a partial claim and that I didn't want to do the loan modification. I also informed that I never received and package for them where I had fill out the form and send it back. The customer service rep said that they were going to send a package to with the right form for me to fill out and that was for a partial claim. I received the package send in everything they asked for and on XX/XX/XXXX they denied the modification because according to them I liens on my property. I called them right away and told that can't be I do not have liens on the property and they also told that I was unemployed too. Which is not true I work full time which I had to send them paystubs for the loan modification. The customer service rep kept saying that they are liens on the property either me or the cosigner have a liens. That's when I informed her the I don't have any judgments against me and neither does the cosigner who is my son and currently in the XXXX. He has been in the XXXX since he was XXXX he is XXXX yrs now. I told that he can not be the XXXX and have a judgment against. I also checked with the recorded of deeds and there is no liens on my house. Now, they said that I don't qualify for partial claim or repayment plan but they will send me a new package for a loan modification because my employment status has changed. I still understand why they blocked me from making a payment when the forbearance had ended. Or why I didn't get a letter stated that I could no longer extend the forbearance and that my mortgage was due. 
It's already XXXX and this process just keeps putting more behind in mortgage payments. All I want is for my mortgage payments to be restated and what I own to added to the end of the mortgage.