Consumer complaint received 2023-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NM)

I bought my home in XXXX for {$78000.00}. I fell behind on my house in XXXX and Have been trying to get a mortgage modification Since I was XXXX months late and now for XXXX  years I've been caught in a paper loop with XXXX XXXX I now owe almost XXXX on my home. I have sent in my paperwork every XXXX to XXXX months for XXXX  years. I am constantly told that my paperwork expired and To send it in again. I recently contact the XXXX about my situation in which I do not believe the lady believed me so she made a XXXX way call with XXXX XXXX. During that three way call she asked Had I ever been denied and the lady from XXXX XXXX said no. She then asked why has it taken so long to get a loan modification. And she was told that they had never been able to get a full packet on me. I had sent in my paperwork again on XX/XX/XXXX And the lady from the XXXX  asked them if they had everything they needed, and XXXX XXXX said yes And that my paperwork was with the underwriter By XX/XX/XXXX I had my first denial ever. I had sent it bank statements, checkstubs and divorce decree. 
My denial said it was because I did not meet employment requirements But I am a XXXX XXXX and make almost {$50000.00} a year and have for the last XXXX  years. Also over the last XXXX  years. I have been a XXXX XXXXXXXX and now a XXXX  XXXX. I have had a good job. No reason for my loan to have never been modified.It also stated that the loan had been in default for too long. Which is not any of my doing? I have sent him my paper consistently for XXXX years and have never been able to get a loan modification. I recently spoke with legal counsel and express that I felt XXXX  for waiting so long but he said I should not feel XXXX  that I have been mislead by never getting a denial and always told that they could help. I have been to court with XXXX XXXX XXXX  times for foreclosure in which they have never been able to foreclose. Because I could prove they're working with me. But now I feel that I am going to lose my home. I filed the appeal to their denial. But when I called to check on the status of my loan was told by the loss medigation, there was no hope for me. It had been too long and I needed to just sell my home. My deadline for the appeal was XX/XX/XXXX I overnight expressed with a 100 % money back guarantee that it would be there by the XXXX And require the signature.because I did not find out until XX/XX/XXXX that I had been denied. The only reason why I found out is i was denied was because I called. I still have not received any documentation from XXXX XXXX via the mail. My last phone call with them, which was XX/XX/XXXX XXXX XXXX answered the phone and told me she could not speak with me Because I was in foreclosure and needed to contact the attorney I expressed to her that I was in the middle of the appeal process. My deadline wasn't even until the next day so how was I in foreclosure already, this company has been so shady with me and I have tried everything I can to save my home and I just wan na let everyone else know. I don't know how this has happened. And I would give my life to save my home but. All I can do is warn others and hope for the best on my end.