Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (OH)

Late XXXX XXXX contacted XXXX XXXX and wanted to make arrangements to come up to date. They told us that we needed to be 3 months behind in order to put it on the back of our mortgage.They stated they would send out the packet for this to happen. 

Early XXXX XXXX- Contacted XXXX XXXX to establish where the packet was and they told me that they forgot to to send it and it would be out right away for loss-mitigation request of information. 

XXXX XXXX XXXX XXXX sent information ( packet as requested in early XXXX. We found out that they had my wife as a co-borrower but never agreed to this as my credit was the only pulled for the loan. 

We were requested to send her information as a co-borrower but she is not a co-borrower. 

We sent the information on my behalf for Borrower information and was told we would receive the requested information in 5 days of what we needed further to move forward. 

My wife called XXXX XXXX after being told by XXXX that she should call to see if she had authorization on the loan. She did not and she then requested that we be sent information that they told us they needed. 

XX/XX/XXXX, XXXX we finally received what was needed in order to continue with loss-mitigation. 

We then were sent several certified letters as well as mailed letter requesting my wifes information as a co-borrower. 

We have been confused since she is not on the mortgage nor should she be. 

We also found out with our Loan that they stated we paid points but it is not on closing disclosure and only in the form of XX/XX/XXXXmortgage paper for taxes. We also found out that the loan is to be FHA but papers state at bottom it is XXXX. 

We have reached out to the company throughout to straighten it out and they keep giving us the run-around. 

We also realized that they put us down for a higher interest rate then agreed upon. 

We tried to make a payment end of XXXX then were sent letter that we can only pay all of what we are behind before foreclosure begins yet we can not get them to clarify what they want and why they stated to wait 3 months of being behind and also requesting my wifes information as a co-borrower. 

We have reached out to lawyers, XXXX, Mortgage Officer, XXXX XXXX XXXX   Officer is no longer employed as she left after our mess with our loan and offered for us to call the XXXX  and all numbers on papers for loan. We have done so to no prevail. We also have reached out to XXXX XXXX in order to help. 
We were also told in the beginning in XX/XX/XXXXto not reach out to a counselor, yet XXXX said that is ridiculous. 

We have been going round and round with the company and no one can clarify why my wife is on the mortgage, why we are showing we paid points, why we are paying higher interest, why they told us to wait 3 months in order to put the payments on the back of the loan. 

We have tried to work with them but again we are going in circles and now since my wife has called we are each receiving letters as borrowers and co-borrowers but she is not authorized to speak on the loan.