Consumer complaint received 2023-05-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

XXXX XXXX CFPB and XXXX XXXX content ( online complaint ) Describe what happened : I am a 100 % XXXX veteran with a VA mortgage loan through Loan Depot. I struggled with XXXX during Covid lockdowns and ended up having to resign from my private sector job. This led to me falling behind on the mortgage loan. I communicated with Loan Depot and told them the situation and asked if they could help. They told me I could apply for a loan modification, and I have spent the past 5-6 months sending and re-sending the same documents to them repeatedly without ever being considered for any help. They did not offer me the CARES forbearance, they did not offer any type of medical hardship forbearance and they have never reviewed my ability to pay. They refuse to accept the mortgage payment and I fall further and further behind and Loan Depot says I have to pay all the missed payments at once if I want to keep my house and foreclosure. 
I bought my home in XXXX. At that time I was working in the private sector as an IT engineer and making a good income. I started struggling in XX/XX/XXXX with XXXX associated with my service but also due to XXXX and the pandemic and how it was affecting my family. I kept working and paying my bills but my condition was getting worse. I early XXXX I was struggling and ended up having to be hospitalized due to the effects of the XXXX  and XXXX and XXXX. In XX/XX/XXXX I reached out to the VA to report my condition and request additional medical benefits and after they evaluated me they told me I was no longer allowed to work and could not leave my home on my own. I was sometimes going into " combat mode '' while in public and it was a bad situation. The following month I was unable to make the mortgage payment and contacted Loan Depot to explain what was going on. They said I needed to apply for a loan modification. I spent the next 5-6 months sending and re-sending the documents to Loan Depot to be reviewed for assistance programs. I was never reviewed, no one looked at my file and I feel they just kicked the can down the road and now I am looking at foreclosure. This is wrong, because our financial circumstances have changed, my benefits were increased by the VA and my wife is working as well. Loan Depot has never evaluated our ability to pay, Loan Depot has never considered us for government programs to help struggling homeowners who need assistance such as loan modification, forbearance, partial claim, deferred principal or repayment plan and instead demand that we make a lump sum payment of full past due amount of $ XXXX or go into foreclosure. 
DESIRED RESOLUTION : We want Loan Depot to make our case a priority and assign a single person to work with us. There are 7 people in our home ( my wife and I and XXXX young children ) and we do not want to lose it. I served my country proudly for 8 years in XXXX and XXXX and unfortunately this has caused me ongoing problems. We can afford a reasonable and affordable solution as our income and situation have stabilized and improved but need Loan Depot to work with us instead of closing the door and demanding all past due balance in one payment