Consumer complaint received 2018-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

In XXXX I applied for a mortgage loan with XXXX XXXX. My husband at the time and I were approved. Once we found a house, it was stated that he could not be included on the loan and that I had to take on the loan on my own but now with a 2nd mortgage. We agreed. We separated not too long after moving in XX/XX/XXXX. We had a roommate who I then decided to add to the mortgage so that I could afford to pay for the loan being that I was facing a divorce and reduced income. In XXXX, I refinanced the loan to include my roommate and that got rid of the 2nd mortgage. 

In XXXX, I filed for bankruptcy and moved out of the home. My roommate remained at the house with my room for rent. Late XX/XX/XXXX, the roommate decided to move out since he just started a family and did not want to maintain or stay at the house. Being that I filed for bankruptcy, he most likely thought the house would foreclose and that would be the end of it. In XXXX, I also was remarried and moved on with my life. We received no communication from the bank which was XXXX  XXXX XXXX at that time regarding any foreclosure proceedings, etc. 

In XXXX, I again unfortunately was facing yet another divorce. At that time, I decided to see if the house was still available for me to move back into and possibly start the loan modification process. I reached out to XXXX XXXX XXXX to begin the loan modification. 

From XXXX - XXXX, absolutely no communication was sent to me regarding pre-forclosure, forclosure proceedings or loan modification options. 

From XXXX when I moved back into the house until XXXX, I have applied for numerous loan modifications from XXXX  XXXX XXXX and now Carrington Mortgage. In the beginning stages, the process was long and laborious. I followed up weekly and submitted all necessary documents that they required. I have tons of documents/faxes that have been transmitted to XXXX XXXX XXXX and Carrington. I hired a company who dealt with loan modification to ultimately get me an answer/decision. 

During the process, the issue of the homes title was in question and was somehow causing a delay. The former roommate who's name was on the loan did not want anything to do with the loan modification so I was instructed to obtain a quit claim deed. Simple enough if the county in which the title was recorded actually had him listed on the title. I could not move forward at that point with obtaining the quit claim deed. The county insisted that his name was not on the title however the bank was disputing this. I have email confirmations from the title company that my name is the only name listed on the title. XXXX XXXX XXXX and Carrington did not know how to proceed with this causing a delay in processing the loan modification with just me listed as the " borrower ''. 

XXXX - There were several back and forth communications between myself and the banks. Finally, a resolution. A decision was made and I was approved for a loan modification WITHOUT the roommate/co-borrower who was originally on the loan despite the bank NOT receiving a quit claim deed. Good news? Well for the approval yes, but the terms, no. The amount of the mortgage had only been reduced by {$30.00} or so dollars. How is this helpful to me when I had a decrease in income? Not to mention the length of time the account was in arrears was due to what? The bank not foreclosing or starting the foreclosing process when they should have. The terms were not favorable since the bank did not take action in a timely manner and I was being penalized for it. Granted, I own the responsibility in filing bankruptcy and leaving the home. That was the error on my part. 

I accepted the trial offer and made the required trial payments on time. However, after reading the final documents and speaking with a representative, it was relayed to me that I could re-apply for the loan mod process again in hopes for a reduced mortgage payment. 

XXXX - I applied. Submitted what I needed to. Then decided to shortsale the house. The process was long but I was following through with what I was instructed to do by my realtor and the bank. The bank ( Carrington Mortgage ) kept calling me about my ability to re-apply again and stating that I did not have to sell my home. So I applied again. 

XX/XX/XXXX-XX/XX/XXXX - Another application process. Submitted what I needed to. This time they required the co-borrowers information. I told the bank that the co-borrower did not want to participate and was not/has not lived, maintained or paid bills on the home since he left in XXXX. I was able to proceed without providing his financial information. I was yet approved but now the mortgage increased by about {$500.00} understandable with the years of arrears but again, the years in arrears had to do with the bank not initially taking action from XX/XX/XXXX-XX/XX/XXXX. 

Time came to sign the trial payment agreement. This time they REQUIRED the co-borrowers signature. He was reluctant to sign since he would be responsible for a loan/house he was not living in and had nothing to do with since he left the home in XXXX. I asked the bank if they would remove his name and just take into consideration my domestic partner who they " approved '' and considered income from when determining eligibility. They said they couldn't help and that all 3 names, my name, my domestic partners name and co-borrower all had to sign. This posed a problem. I would be paying a mortgage on my own and the co-borrower would have rights to the house he was not living in, had no interest in and was not paying for. It was not a good situation to put myself in yet again. IF the bank would have considered removing his name and just having myself and my domestic partner listed as borrowers, we would have done the trial payment in hopes of remaining in the home. 

I then decided to look at my short sale options. Went through that process again with a new realtor. Listed the house and found a buyer in less than XXXX weeks! The buyer offered $ XXXX. HUD would not budge. Stating the amount of time in arrears was more than the amount of time allowed for a short sale. They would not take into consideration that most of those years were due to the fact that the bank failed to take action in a timely manner! I am seeking assistance in hopes to have HUD approve the short sale and look into why the bank, XXXX XXXX XXXX and Carrington Mortgage did not start the foreclosure process in XXXX when the mortgage was originally defaulted. I feel that they have been discriminatory in my situation and have not done their due diligence in investigating this particular case. Instead of running the file through a computer system for checkpoints, someone needs to review the entire history of this file and understand that the loan was most likely a predatory loan from XXXX and that they did not act in a timely manner regarding the default of payments, etc. 

I have tons of documents and scanning and uploading them would be laborious. I am willing to provide those documents and all communications with all parties involved if needed. 

Thank you.