Consumer complaint received 2023-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

This is XXXX XXXX again. Please see complaint XXXX. I received a call from XXXX XXXX, the specialist who is supposed to be handling my loss mitigation claim, on XX/XX/XXXX. she advised me that I had been approved for forbearance. She also stated there were a couple more documents that she wanted ( even though I had already sent them to her ). I sent those items to her again. On XX/XX/XXXX she emailed me a formal letter discussing my forbearance. On the same day, I emailed her regarding the incorrect information in the letter and requested follow up. 

Specific issues with the letter : " Lender has made a loan to mortgagor ( s ) that became delinquent under HUD mortgage letter XXXX, dated XX/XX/XXXX. Loan is currently due for XX/XX/XXXX. '' I have paid my mortgage every month until XX/XX/XXXX. I applied for forbearance in XX/XX/XXXX and the specialist who was supposed to me managing my forbearance has bungled the whole thing and has drawn this out in a way that I have been living in a house that is unlivable. I am in the middle of suing the seller of this home and she mismanaged my loss mitigation claim so badly that it is now interfering with my ability to have the issues within the home thoroughly inspected for mitigation. I have very specific court dates that are not flexible. I have sent XXXX all the official court recorded documents with these dates. I have been waiting since XX/XX/XXXX for some sort of help or response. Every month, I have hoped and prayed and waited until the XXXX before paying my mortgage. Finally after receiving word on XX/XX/XXXX I began looking for an apartment complex. on XX/XX/XXXX XXXX XXXX instructed me that I had 30 days to find and sign a lease. On XX/XX/XXXX I looked at an apartment and sent in an application. on XX/XX/XXXX I put down a {$500.00} security deposit to secure the apartment. When I received the formal forbearance agreement letter and noticed that the information was wrong, I emailed her about it same day asking that it be fixed. I called her 3 different times on XX/XX/XXXX and was not able to speak with her specifically. I called XX/XX/XXXX and I was told she would call me back. XXXX XXXX did not call me back. On Tuesday XX/XX/XXXX I called again and while waiting for XXXX XXXX to become available I was disconnected. I did not receive a call back. On Wednesday XX/XX/XXXX I called again and I spoke to a representative who advised that the only person who could fix the letter was XXXX XXXX. The representative that I spoke with tried to get XXXX XXXX to speak with me personally to resolve the issue. XXXX XXXX would not take the call to resolve the issue. I am supposed to move in on XX/XX/XXXX. I will not be able to move into any apartment complex with a letter stating that I have not paid my mortgage since XX/XX/XXXX. I have paid my mortgage up to XXXX when I was told I had been approved for a special forbearance. I need the letter to accurately reflect that. additionally, this document states that I failed to make monthly payments. This is not true. I was sold a house that is not livable, the plumbing is all busted. The heating went out within the first 6 months of living there. There are active water instructions in all of the walls. There is a deed restriction stating no one should use the house for residential purposes and there is mold entirely throughout the home. This document needs to be submitted to court for my case. It is imperative that it reflects accurate information. I also do not want to lose my security deposit or be homeless. Please have this fixed as soon as possible.