Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Dovenmuehle Mortgage, Inc. (FL)

This is not a duplicate complaint, this is a new complaint specifically geared towards the inaccurate figures presented in the loan modification as well as the addition of XXXX  YEARS added to the loan term resulting in the mortgage company receiving an ADDITIONAL {$730000.00} ( using the figures provided in the loan modification packet that I am requested to sign by Saturday or I will lose the progress made with the trial payment plan ). 
I am in loss mitigation for the 2nd time, the first time was Hurricane Irma. Due to the issues I was experiencing trying to get my mortgage company to cooperate, I had reached out to CFPB, Hud, Hud Housing Counselors, XXXX, and others. 
Despite my submitting the requested documents over and over again, my mortgage company continued to deny receipt of the documents, demanded more documents than the loss mitigation terms required, and refused to confirm. This was after sending a loan modification packet with a due date that was not possible to meet based on the receipt date. 
If the situation were to continue as it had been, it would result in my default of the mortgage. It seems that without the help of CFPB, HUD, complaint XXXX and my HUD housing counselor who made several calls with me to the loss mitigation department the loan modification would not be possible. 
XXXX first complaint to CFPB regarding this loan modification process, it eventually resulted in my receiving a trial modification plan which was successfully completed. That complaint was closed XX/XX/XXXX. 
XXXX is the 2nd complaint filed with CFPB. It addresses the receipt of 3 trial payments and the refusal to apply one of the payments to the Trial Plan resulting in a 4th payment being made and not returned. To this date, the requested amount to complete the trial payment plan was overpaid by {$3300.00} and according to the loss mitigation representatives at Dovenmuehle the overpayment will not be returned. 
Today 's complaint addresses the loan modification terms and conditions, inaccuracies in the document and/or the numbers within. 
1. There is no difference between the existing and modified interest rate. 
2. The new maturity date of modified mortgage is XXXX XXXX and XXXX XXXX months longer than the existing mortgage which adds {$770000.00} ( total of additional months payments XXXX x {$3400.00} ). 
3, The existing principal balance used to calculate the payments is as of XX/XX/XXXX although it is XX/XX/XXXX and the trial payments received total 4, The additions to principal balance is inconsistent with estimated monthly payments and new modified monthly payment and most especially the additional {$770000.00} in payments that Dovenmuehle Mortgage will receive for the following line items and dollar amounts that make up the " additions to principal balance '' accrued interest up to modification effective date {$14000.00} escrow advanced/due XXXX property preservation expenses XXXX other recoverable advances XXXX TOTAL of ADDITIONS TO PRINIPAL BALANCE {$40000.00} 5. As referenced in line item # XXXX, the trial payments were received after the existing principal balance was calculated ( XXXX ) and total {$13000.00} meaning the total of additions to principal balance is at least {$13000.00} less than stated or no more than {$27000.00}. 

Dovenmuehle 's appears to be offering me a loan of {$27000.00} in exchange for total of payments equalling {$770000.00}. I came to this by adding the total of the additional XXXX payments this loan modification requires. Surely someone made a mistake.