Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I got hurt on the job at last employer. I could not do the job any more so I resigned and started going back to school. I tried to get my mortgage company to give me a modification on my loan about XX/XX/XXXX ( for the fourth time, but first time because of new XXXX ). They denied me ( again ), at this time I had a room mate that I knew was not going to last long. I managed to keep the room mate almost a year to pay bills, but in XX/XX/XXXX all that changed and I applied for XXXX which is XXXX XXXX XXXX XXXX XXXX, I know I can not do what I used to do for work, and even have a Workmans Compensation doctors documentation about my list of work restrictions. Up until XX/XX/XXXX I was able to pay all my bills with my XXXX money, My income tax return for the previous year, and my Pell Grant money from my school. XX/XX/XXXXwas the first time I missed a mortgage payment in the 10 years I have lived in my house. I made sure to call the mortgage company and tell them what was going on i was told to pay what I could by their representative, and fill out a loss mitigation packet. About the end of XX/XX/XXXX I sent the mortgage company a XXXX cashiers check, they told me information I was missing from my packet, in a letter and said I needed to send them more money. Mid XX/XX/XXXX. I sent another loss mitigation packet to the mortgage company, because just sending in the missing information again was not enough. I also sent them an XXXX dollar cashiers check about the end of the month. They again said I was missing information, and sent the check back saying they do not take partial payments. I again sent in yet another lossmitigation packet to my mortgage company Colorado Housing and Finance Authority, and tried to resubmitt the same XXXX cashiers check to them. Again they sent me back the check with the same explanation, and told me I was missing information. I was told at the beginning of XX/XX/XXXX my house was being put in foreclosure. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I am looking for work, but I have gotten so many rejection letters because the new direction I have to go in order to work I have little real experience in. I am even volunteering at a business in order to get work experience, but they do not have open positions for me to get a pay check at the moment. I Called a number I recieved on a mailer to help with avoiding the foreclosure which is XXXX XXXX XXXX about the beginning of XX/XX/XXXX, I was on the line when they called my mortgage company the first time. I was told if I paid XXXX my mortgage company would put the rest of money I owed on the back of my mortgage. I have done my part but since I sent in my last loss mitigation packet last week about the same time the public trustee in my county said the mortgage company again is saying I am missing  information in my packet and their lawyers are only ones who can delay my foreclosure. The lawyers are asking for the sale t proceed this Wednesday. Every time I have sent a loss mitigation packet this year I make sure to send my XXXX documents, and the little bit of documentation I have giving my money I get from My Welfare, which XXXX is a welfare  program. I am also actually ahead on my payments for my mortgage as far as the payment amortization packet says. Which says I am where I should be for XX/XX/XXXX. My interest has always been 6.5 %, but since Colorado Minimum wage is higher than many other states renting somewhere else would cost me more than the mortgage payments do and that is for an apartment. I really am upset that my mortgage company has never wanted to help me, nor do they give me a chance to try a modification, or grant me a forbearance. I now have a steady room mate ; he is actually my fiancee, that pays their bills, but do not have enough money to cure the mortgage held by the public trustee, which would stop the foreclosure. Also just a note an example of missing documentation the mortgage company refuses my loss mitigation requests for is, I will send the packet in middle of the month, the mortgage company will say i am missing the bank statement for that same month that was not even published until after they already received the packet.