Consumer complaint received 2023-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MN)

THE BACKSTORY : Originally my employer was shut down by the Covid restrictions which were extended numerous times by XXXX XXXX. We are a non-essential business and were forced to stop working thus causing severe financial hardship. 

Throughout communication with XXXX over the Covid shutdown we were advised that payments were paused and no additional interest would be accrued and that the Government was working on programs to help with home owners that wanted to keep their homes. Eventually I was pointed to the first of the loan modification packets. 

Throughout this process I have followed up via phone calls every couple days to weeks to try to get back to making mortgage payments. After numerous times of going through this process and amerihome not locating my documents and materials that I submitted I was approved for a loan modification that honestly was ridiculous. The amount of interest was absurd- and totally not what I was advised for the year ( s ) leading up to it. But the only other option was to lose my house so essentially under duress I signed the document. 

So upon signing the approved loss mitigation plan with a loan modification with the first payment being due was XX/XX/XXXX. Of which, I paid and followed up with a phone call to be sure it was received. It was indeed received and cashed by XXXX and cleared my account. ( I HAVE THE CASHED CHECK COPIES ) The 2nd trial payment was sent in and I followed up with a phone call as well. It was shown as received and cashed by XXXX and cleared my account. ( I HAVE THE CASHED CHECK COPIES ) On or about midXXXX we were served a letter saying that we defaulted on our loan modification and were placed back in active foreclosure. After several phone calls to determine where the default occurred we were told that we missed a trial payment and to absolutely not send in the 3rd ( XX/XX/XXXX ) because it would be rejected and sent back to me via mail. 

I have proof of each payment and sent in said proof via email AND fax to XXXX and the attorneys assigned to our foreclosure. 

Our home is listed on XXXX, foreclosure auction placed in our newspaper and the humiliation and bullying our children received as a result is immeasurable. We have a reputation in this town and our business relies on our responsibility and reputation. XXXX posted our home multiple times. My kids were getting bullied from other kids about losing their house and being poor and broke. As well, we are getting numerous phone calls and texts from relators that we know trying to buy our home for pennies on the dollar because we are in active foreclosure. 

We did NOT in fact default on the loan modification, however, we received a letter from XXXX in XX/XX/XXXX confirming this when they refunded the trial payment to me saying they " applied it to the wrong account ''. The clerical or administrative error on behalf of XXXX has cost us our loan modification THIS WAS BY NO default made by me. 



Dates packets were filled out : XX/XX/XXXX : First mitigation packet was filed XX/XX/XXXX : Additional items were submitted XX/XX/XXXX : XXXX Mitigation packet was filed XX/XX/XXXX : followed up via email XX/XX/XXXX : followed up again via email because I was supposed to receive a call back XX/XX/XXXX : XXXX Mitigation packet was filed XX/XX/XXXX : additional items were submitted via email XX/XX/XXXX : updated dates on items via email XX/XX/XXXX : re-submitted additional items XX/XX/XXXX : followed up via email XX/XX/XXXX : 4th mitigation packet was filed XX/XX/XXXX : additional items were submitted via email XX/XX/XXXX : followed up via email XX/XX/XXXX : followed up via email XX/XX/XXXX : followed up via email XX/XX/XXXX : re-sent in additional items via email ****This final mitigation packet was DENIED and we are placed in active foreclosure.