Consumer complaint received 2018-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

i am writing to seek much needed help with getting a reasonable mortgage payment amount on my mortgage. 
i started to fall behind last year after the TOTAL ESCROW payment jumped sky high from XXXX monthly to XXXX monthly. i called and complained about it and was told that it was temporary and that it would go back to XXXX by XXXX XXXX of XXXX. 
the hurricane came in in XXXX ( XXXX ) and i got some damages which i reached out to the insurance company to take care of and they declined and threatened to cancel my policy if i did not get my whole entire home redone, tiles, roof, painting, bathrooms kitchen electrical airconditioning etc. which i have until XXXX of XXXX to provide color pictures to them after completion if not i will be cancelled. Since that time i have been trying to do repairs to my home slowly. which put a tremendous strain on me as I am a Realtor and do not make a lot of money as it is so slow in the industry. 
I was placed in foreclosure by M & T bank in XXXX XXXX, XXXX but thank XXXX the Hurricane came on the XXXX so I was blessed to have them toss the foreclosure aside if i did a new modification with them. It was a pain and almost near to impossible reaching M & T Bank then finally a rep told me to call the XXXX XXXX XXXX XXXX XXXX as they are the ones who is handling the loan it was transferred over to them. 
i have attached the agreement they sent me that i was forced to sign so i do not go into foreclosure. 
i called and spoke with XXXX XXXX who said he was going to check to see what he could do to help me with my financial strains and he sure did not. he came back with a payment schedule for 5 months of almost XXXX monthly i was floored. 
the first and only payment was XXXX which i struggled to pay but was able to do so but the 3200 monthly i cant even try to do that. 
i need my home for me and my XXXX boys and grandchild. I purchased this house in XXXX XXXX and managed through thick and thin to raise my children now a grandchild here im still in my home now almost 18 years and i intend to die here so please CFPB I know you all can help me to get the much needed help and fairness that im due. i do not want to lose my home i have worked so hard for. i am working hard as a realtor to place people into their home do you know how hard it is for me when i think about me and loosing my home and being homeless. Living under the Bridge or in a homeless shelter is not one of the options i need i am a hard working realtor and will continue to struggle to keep my home. i have since for almost 18 years. 
please i need my mortgage payments to be back to where it was before XXXX all the other colleages of mine who got modifications got low regular payments why are they not putting my past due to the back of my loan? why are they giving me a basket to carry water by giving me XXXX a month mortgage payment when i could not handle XXXX the amount they raised it to before. i was told that i was getting a fixed rate of interest but that was a lie. as a person in the business and having a better understanding now of mortgages and so on i found that they lied to me. They do not want to work with me. they are only focusing on trying to take my house. 
please have them give me a fair modification so i can handle my payments. this is ridiculous that the bank is trying to take my home that i have struggled so hard for and the insurance company that i am paying an escrow to every month would not fix anything in the house and force me to spend money to fix stuff they should be fixing. I did not get any damages from the insurance company first federated from of XXXX XXXX as they threaten to cancel me. HELP! HELP! HELP!