Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home 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: Selene Holdings LLC (TX)

Prior to Covid, I became delinquent due to unemployment and loss of income as well as my lender, Selene, double charging me on my escrow account ( HOI ) which I continued to contact them and the insurance company and the issue was never resolved. 
The lien was scheduled for foreclosure around XX/XX/23 after Covid and after deferments due to Covid. However once again I faced unemployment after a Covid related illness in my family where I was forced to be a caregiver. I asked Selene to help me with a modification and when they refused I contacted an attorney, XXXX XXXX, to assist me with negotiating a modification. 
I let my attorney know that I had applied for funds through the XXXX XXXX XXXX  XXXX ( XXXX ). Unfortunately it took months for XXXX to respond as well as Selene to respond and demanded I sign the modification only days after their responses to my questions or they would foreclose. I told my attorney XXXX had approved my utilities and the criteria for a grant for aid with my mortgage loan was the same so I needed just a little more time. Selene refused and reluctantly I signed hoping XXXX would approve funds before my 1st payment was due. I got a pre-approval from XXXX around XXXX XXXX weeks later. They asked if I would confirm with Selene if they would accept the $ XXXX XXXX in funds awarded. My attorney, XXXX XXXX, was contacted immediately and asked to renegotiate terms that were actually better than the one Selene had offered at $ XXXX. XXXX never contacted Selene per my requests unbeknownst to me until recently. Only three weeks later and after XXXX took months to respond, I received a denial from XXXX without any prior notification stating that it was denied due to me failing to communicate which was not true. 
I needed those funds, and I was approved for those funds and awarded those funds because there was a need. Today, I am awaiting for XXXX to re-open enrollment even though I have contacted them to let them know they made an error. 
Now I am scheduled for foreclosure, and requested another modification. Selene once again is unwilling to give me more time and has yet to answer mine and my attorneys questions regarding a breakdown of fees, a timeline/date they began charging arrears and if they included time that was deferred during Covid, and if my escrows were finally corrected. All responses are usually the day or days of the deadline given so their refusal to push the payment deadline back is due and payable with only a day or two to come up with funds that are {$2000.00} more than the original PITI, almost twice as much as my original lien. Once again I am caught in their cycle of being forced to sign a contract due to their time constraints days prior to a foreclosure where they state that I am aware of my loan terms and fees which is false. Once again in order to keep my house out of foreclosure I feel I have no other option but to sign. 
I am aware I am to blame for being late on my mortgage and losing hope during the process but my hope was renewed when I found out about XXXX and again when I was pre-approved. However, Selene ( my lender ), XXXX ( my attorney ), and XXXX ( grant funds ) also played a role in causing me to lose my only home I love, take great pride in and is well-maintained, and wish to stay. I have no other place to go. I feel i made a choice to help my lender when this original stated income loan could have been involved in litigation against them and yet when it is time to help me they have shown no reciprocity of mercy. They have taken no ownership of any wrong-doing and refused to answer my questions in a timely manner. Also, if XXXX had complied with my request I believe Selene would have accepted the terms since it was a better deal than even they had offered me. Finally, XXXX caused my pending foreclosure by not reacting in a timely manner even after foreclosure dates were given. It took several months for XXXX to grant a pre-approval on funds. Then only three weeks later with no warning or any notification and after I let them know I would have my attny contact my lender to renegotiate per their request they erroneously denied funds after stating I was uncommunicative, a completely false claim. They closed it because they were running out of funds quickly. Now I still need help and none is available and my lender refuses to wait for funds I know I can get once funds are available again, and my attorney is incompetent. I need help. If there is anything you can do I would greatly appreciate it? If I lose my home due to tge negligence of all parties listed above then please realize that if I lost my home there are others caught in this same downward cycle regarding being at the mercy of these institutions timelines that have made it impossible to get the funds needed for relief/aid and if this was a not reformed then others will face this same issue in the future. 

Thank you.