Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

I am divorced. I received the house in the divorce decree and my ex-husband signed a quitclaim deed over to me. He is no longer an owner of the home. He received a Chapter XXXX Bankruptcy discharge of the mortgage debt. I applied for a HAMP Modification and was approved for a 3 month trial payment, upon which after successful completion of those payments Nationstar Mortgage would send the final modification documents. Which would include a partial claim to FHA for any past due amounts of the mortgage and payment to the principal in an amount to get my payments down to an affordable amount. I did complete those trial payments on time and Nationstar sent the final Modification documents to be signed to complete the modification. BUT, they were requiring my ex-husband 's signature on the documents. After working with them, they told us that he had to sign everything, but the Promissory Note for the partial claim. My ex-husband and I signed the modification documents in front of a notary as required, and mailed them to Nationstar using the prepaid XXXX shipping label that they provided. I called Nationstar the next week to check receipt of the documents and make sure that my Modification was being finalized. I was told that my modification was NOT being finalized because they decided that my ex-husband would need to sign the promissory note too. Stating that the change was due to the Investor, XXXX, requiring his signature on the Promissory note too. I have maid a complaint to XXXX XXXX XXXX XXXX, was assigned a XXXX XXXX, who sent me an email stating that Nationstar followed up with her and sent her an email stating they were completing My modification now, However, that is not the case. They are not completing my modification. I recontacted XXXX XXXX and was told that even though FHAXXXX rules state that an ex-spouse 's signature is not required, because the Investor is requiring it she ca n't help me, because it 's a legal issue. I do not understand how Nationstar can change the requirements after we fulfilled what was required. I do not understand how Nationstar and XXXX can make requirements for a Promissory Note to the Secretary of Housing and Urban Development. My ex-husband, a non-property owner should not be required to make himself financially liable for a debt under that promissory note, as he has no interest in the property and received a discharge of the whole debt in his Bankruptcy. He will not sign that Promissory Note. Therefore, Nationstar will not finalize my FHA-HAMP Modification and my children and I are going to lose our home in Forclosure. After almost an hour on the phone speaking to XXXX of Nationstar 's Representatives, XXXX-Extension # XXXX, I still have no resolution. In that telephone conversation with XXXX XXXX, he stated that : Nationstar is following XXXX 's Guidelines that require my ex-huband 's signature on that promissory note. I asked him to supply me something in writing showing me that was XXXX 's rules. I wo n't be receiving anything to the effect, because they ca n't provide me with that information. He also stated : That if my ex-husband and I were n't married at the time we entered into that Mortgage, his signature would n't be required because of the QuitClaim Deed. That XXXX 's policy says that even though XXXX individual people were on the original mortgage, if there is a QuitClaim Deed, the other person who executed a QuitClaim would n't be required to sign. But, because we were married, he is required. That XXXX does n't take into account a Divorce. This seems to me to be discrimination based on marriage.