Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Please see below a timeline with my issues with Colorado housing ( CHAFA ) XXXX XXXX Filed for a forbearance with mortgage company ( CHAFA ) it was approved XX/XX/XXXX Forbearance ended XX/XX/XXXX & XX/XX/XXXX- I made my regular mortgage payments while I was in the process with XXXX XXXX XXXX doing a refi on our property. 

End of XX/XX/XXXX my refi was set to close on XX/XX/XXXX. So I did not pay my mortgage for XXXX. The refi didn't end up going through to The refi company wanted copies of XXXX taxes I hadn't even filed yet. 

XX/XX/XXXX our home went into foreclosure XX/XX/XXXX I filed for modification XX/XX/XXXX sent paperwork to Colorado housing ( CHAFA ) via email Called 5x to follow up on paperwork they said it would take a month to process XX/XX/XXXX - We listed our home for sale with the XXXX XXXX. We were terrified of losing all the equity we had on our home. We didn't want to sell our home XX/XX/XXXX - Our home was under contract XX/XX/XXXX - Our home caught fire, our shop burned to the ground and our home was damaged XX/XX/XXXX - contract on home fell through XX/XX/XXXX - Called they said our house was officially in loan modification. Putting foreclosure on hold, I paid my first payment while in loan modification they said i could do a partial claim. Never received any paperwork I called at least 10x checking on status of loan modification always the run around no paperwork ever mailed out XX/XX/XXXX - Paid mortgage Called and spoke with the manager and said they were still waiting on loan mod XX/XX/XXXX called again following up with mod they had no answers other than it was processing and i was not in active foreclosure but it was on hold. I called every other day asking for a resolution no one would call me back. Still haven't received any paperwork. I asked the mortgage company to call the county and stop the foreclosure they said it was on hold with them. The county still shows its in current foreclosure XX/XX/XXXX -paid the mortgage XX/XX/XXXX - We received a foreclosure notice that our home would be foreclosed on XX/XX/XXXX called 5x this week asking for update XXXX XXXX and XXXX - My husband and I both spoke to 2 different managers XXXX and XXXX. Both had told us similar stories. They aren't sure what is going on that our modification is approved, they aren't sure what is wrong. They aren't sure why we haven't got our modification paperwork. Every Time they escalate to a higher manager and said they will call us back and nothing. We told them we received foreclosure notice from the county, they assured us the foreclosure was on hold. However I emailed the county lady and she told me that it was still in active foreclosure. 

XX/XX/XXXX retained XXXX law firm XXXX retainer to assist in modification and foreclosure issue XX/XX/XXXX paid regular mortgage payment XX/XX/XXXX chafa report on our credit that our home loan was delinquent 180 days in the month of XXXX, but has reported current the entire time since i started forbearance. 

XX/XX/XXXX called chafa to have them remove the credit report reporting negatively asked if there was any update on modification they said no XX/XX/XXXX law firm XXXX law firm has called 4x asking to escalate to a manager, no one returns calls ever Its been over 98days since modification and I have had nothing sent to me for modification i have been promised several times that i am approve and its processing then told they aren't sure what's going on Our home is posted on XXXX as a pre foreclosure every real estate agent under the sun has contacted us to sell our home. We are being bullied to sell by home buyers trying to undercut us.