Consumer complaint received 2023-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NM)

I have been trying to Get a loan modification from loan depot for 7 years. I have been sending in my paperwork regularly. And I'm always told that my paperwork expires and I need to send it again. I have sent in my paperwork Every 2 to 3 months for 7 Years. I have had a good job for the last 7 years. I was a XXXX XXXX and now I am a XXXX XXXXXXXX for an XXXX company. I have made {$50000.00} or more for the last 7 years. So there's no reason I should have never gotten my loan modification. I recently contacted the FHA because I did not know where to turn and my home is in FHA loan. The lady from the FHA did not seem to believe me at That it had been 7 years. She referred to it as a seven year paper loop and that it was unheard of. She did a 3 way call with loan depot and me and asked loan depot If I had ever been denied And she was told no, she Asked why is taken so long to get a loan modification. And they stated they have never been Able to get a full Packet on me. She then asked if they Had received my paperwork, they said yes. She asked about the status they said it was with the underwriter this was on XX/XX/XXXX She asked if they needed anything else and they said no. They told me to call back in 10 days to check on the status. She told me to call every 3 days. I called every 3 days. On my fourth phone call I was told that I had been denied. Loan depot stated I should receive documents in the mail and I could file an appeal. I called again on XX/XX/XXXX. And she emailed me the denial. Because I still had not received anything. On XXXXXXXX XXXX I overnight expressed my paperwork with a signature required and when I called on On XX/XX/XXXX I was told they still had not received it. My deadline is XX/XX/XXXX I still have not received anything from loan depot stating that I have been denied other than the email. And when I talk to them on XX/XX/XXXX. They stated they still had not received my paperwork so I emailed it again I had also emailed it on XX/XX/XXXX But they said I did not send it from a verified address So I resented it from my own email address. Then when I called to check on my Status I was told that I was in foreclosure and needed to contact the attorney. I said how am I am foreclosure when I'm supposed to be in the middle of the appeal process. I have contacted an attorney and express that I feel really stupid for waiting so long. But he said that they have misled me by. Never giving me a denial and saying that they could work with me all these years. I was also told by loan depot 's loss mitigation that It had been too long and I should just sell my house there was no hope for me. That this should have been resolved In the first 12 months and there was no way to fix it and no way to help me. All I want to do is keep my home and pay for it. I originally bought My home for {$78000.00} in XXXX I now owe XXXX on my home I have been in my home for 19 years and all I want is to keep it. I feel like I'm Losing it through no fault of my own I have done my part. I have sent in my Paperwork regularly I have been to court with loan Depot 7 times in which they've never been able to foreclose. Because I can always prove they're working with me. I feel that loan depot Needs to make this right because I have done my part.