Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

We are with nationstar mortgage. Which use to be aurora. We contacted them on our XXXX layoff when we had problems paying our mortgage. After a while we were notified from the court that we had to appear for info meeting for mediation. We retained XXXX XXXX for assistance. We we given our date for mediaton. At this meeting it was decided we needed more information. We were never assigned another mediation date. For almost XXXX years we fought nationstar trying to prove we were residence at our home address. My husband and I work in XXXX because that is where we found work. Also we are XXXX parents for the state of XXXX. during this time nationstar 's attorney decided to have lock put on our home. So when we got home from work XXXX night with our small children we could get in. We had to turn around and go all the way back to XXXX to stay with my father. Of course we had no clothes for anyone. It took the attorney 's office over a week to get the lock removed in which did heavy damage to our door. Now because it took so long to prove residence we were no longer able to get making homes affordable. So we were told we could apply for a loan modification. So we resubmitted all the financial paperwork needed.we receive a stipend for our foster children which is tone used for food clothing commuting to all there appt , dr appt and school. Now nationstar uses that amount as part of our income. During this time they will not accept any payments unless it 's for the entire amount that we are behind. We have been unemployed XXXX times since 2007. So we have no savings. We are also told that we need to get a fmv. So we get XXXX and it comes in at about {$10000.00} dollars less than what 's owed on our home. So our rep at XXXX XXXX says we should be in good shape. Not true, nationstar does n't like our report so they get someone to come in to do a fmv. There people come in {$20000.00} over what we owe so now we are screwed.also because they are using the stipend from the comm of XXXX for our XXXX children we make to much money. Mind you XXXX children come and go so the amount nationstar is using has changed. It 's about half of what we were getting. But they do n't care about that. So we are screwed again. Now nationstar says we can keep our regular payment if we want. So my husband and myself decide we can do that because we are working now. We send nationstar a check. Nationstar returns the check because we can only have that payment if we send them a check for the full amount we are behind plus the XXXX of dollars in legal fees. The attorney for nationstar has had us on an emotional roller coaster. Because they send us notice to foreclose on a certain date then because we nationstar will decide to check into something else that date will get cancelled and we will work on that. Now we have received a new date for XXXX XXXX at an address in kittery Maine. We do n't know if it 's a courthouse or a lawyers office. Just an address. Nationstar knew from the start that they were not willing to help us. Now are hands are tied and our XXXX children will be homeless. Is there anything we can do? All we want todo is start paying mortgage and have what we owe added to the end of our loan. We already talked to a real estate agent to see if we could sell but they said probably not because we only have a holding tank and a XXXX toilet it would be very hard to sell.