Consumer complaint received 2023-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I have been XXXX for the month of XXXX and XXXX for approximately {$3300.00} because my property taxes is {$10000.00} at 6 % for my home that is a new build that was bought for {$290000.00} and I got it fixed by doing my taxes application and got it fixed to 4 %. I have submitted this paperwork to the mortgage company and they will not allow me to pay the original mortgage payment approximately XXXX a month before the allotted taxes was attached. They do not give me the option to pay anything but I had to do a loss and mitigation application and they keep making it in complete after asking for more documentation of proof of income, and also proof of disability as I am a surviving spouse of a deceased veteran. The state tax assessors office takes 8 to 10 weeks to refund them back their money, but the escrow notices that they have been doing since the start of XXXX have not been adjusted correctly. As I am going through this process, my new homeowners insurance was attached for this year. When I called and contacted about the insurance because my escrows no - {$13000.00}. The supervisor told me that it was because nobody ever adjusted my property taxes from the first year of it just being the lot itself and they charge me for my homeowners insurance been at it for the first full year and he never charge me appropriately every month to pay it off by the end of the year. At the end of XXXX I still had - {$1800.00} roughly in my escrow and when they pay {$10000.00} to the tax assessors and put me XXXX in my escrow. Now this intern is why my mortgage payments are now {$3300.00} every month. I am now 60 days past due and Ive been getting letters today on XXXX XXXX XXXX of notice intent to foreclose on my home. I am XXXX XXXX XXXX with a XXXX year old. My husband passed away in XXXX no one ever acknowledged me about being able to fix it. The mortgage company can not even give me a clear answer is if they would adjust the past two months to what it would actually be after the money is refunded from the tax assessors office, nor will they allow me to pay anything for or towards my mortgage I must do the loss of mitigations application, which they claim is a repayment program, but can either become a refinance without changing my loan information, or attaching it to like the back of my loan. Please help me get this, resolved the tax assessors office. Can I forward or expedite the check sooner as they have a system in place. By the time the check is given to my mortgage company I will be in foreclosure process and I try my best to prevent that from happening. I have also applied to my state homeowners assistant rescue program, and they cant do anything until I had received a letter of intent to foreclose today, to expedite my case. It is very negligence of Carrington mortgage to charge me so much money at one time and not notify me properly about any of these changes and also never to have even charge me the proper amount for my home even at 6 % for my home. Carrington mortgage is not my original loan carrier. They bought out my alarm from XXXX XXXX XXXX XXXX of last year.