Consumer complaint received 2022-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

good afternoon. first i would like by starting to advise that I have been trying to get assistance and answers since XXXX my sister bought a home in XXXX XXXXl fl, where i am on title as well as 1/2 owner, but i was never added to the mortgage. my sister is a bit iliarate when it comes to the regular everyday english language, so nevermind the mortgage lingo. we have a XXXX  loan mortgage. i paid the large and she paid the small one. when i asked my sister for a copy of the mortgage as i was trying to figure out what so call program qualified her for the mortgages alone, i started going through the documents with a fine tooth comb. i noticed that the XXXX  has by sister earning $ XXXX  as a monthly salary. I have been asking the mortgage broker back then how they came up with that information, but they would not speak to me. it does not seem possible since my sister had just started a job as a XXXX XXXX XXXX 6 months prior and even though she had been a XXXX for a few years in other companies, as far as i know, she has never made more than {$400.00} a wk. when i started running out of money as her tenant at the house paying the higher mortgage, i did a 3 way call with my sister to speak to the bank because again, no one would speak to me, we were looking for assistance to do either a forbearance or deferment or even a modification. XXXX XXXX, XXXX and XXXX  XXXX XXXX all said we did not qualify because we were still paying the smaller mortgage. When my sisters hours got cut and she could not pay the smaller mortgage any longer, we were after the bank for a modification for years, and all they did was keep asking for updated documents. We asked for a shortpay, at one point it was papersverbally, but we never received anything on paper to follow through, then it was dropped. I again started asking about the supporting documents to proof where they got that income for my sister. I have been told, those documents can not be provided, then i was told, they were lost, and now, just no response. I have had to try to stop foreclosures on our home a various times. no one ever said to me, that because my sister put me in title in case anything ever happened to her, that i could refinance, or shortpay it, or do anything. all they did was tell me, my sister had to do bankruptcy as i had to as well. now, not only did they ruin my sisters credit, but mine as well when all this time, all we asked for was help to make a reasonable payment. the bank sent over a bpo agent, and he advise the house is worth nothing because of all the work that needs to be done, but he advised, the bank is only going to go by the outside pictures. they gave me a ridiculous payment plan that is just not feasible. I asked if instead of the 12 month plan, i could have a 24 month plan and not even speaking with the investor, the agent from sps said, no it can not be done. till this day, i am still asking how they got the income for my sister as $ XXXX  a month. on top of that, they put that my sister has property in NY. that property, is my mom and dads house only. i even advised of this from the beginning when i called the mortgage broker for an update on what else my sister needed. please help, we do not want to loose our little broken home in florida and we do not want for these mortgage company to keep ruining our credit more than they have by telling us they could not help. even the attorneys in florida say they can not help as soon as they hear the house is going to go into foreclosure.