Consumer complaint received 2018-12-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (VA)

I was laid off from my job at XXXX at a salary of {$86000.00} on XX/XX/XXXX. This layoff was one of 300 workers who were displaced due to a reorganization of the company from a mid-tier corporation to an XXXX ( XXXX  ) XXXX XXXX Company. I was given a small severance of approximately {$3500.00}. I applied for unemployment but was initially denied. I continued to apply for jobs but was not able to obtain a position. I received a {$6000.00} income tax return in XXXX and did make some payments on the mortgage but was unable to get the payments current due to a major problem with the septic field and sewage backup in the house. The cost to repair the sewage was approximately {$2500.00}. I also had the well pump break and the cost to repair the well was approximately {$750.00}. The hot water heater also broke and the cost to replace the hot water heater and reinstall a new one was {$2700.00}. I have had a small business doing XXXX XXXX XXXX ( XXXX  ) that I began generating income in XXXX XXXX and did provide me with some revenue however the mortgage was three months behind at the time that I began to accumulate enough money to pay the monthly mortgage but the mortgage company would not accept payments from me at that time less than the total arrearages. I attempted to do a loss mitigation application however a sale date of was set in XXXX and my loss mitigation application was not reviewed due to a sale date. I contacted an attorney to process an emergency bankruptcy which was later dismissed. I contacted the mortgage company again on XX/XX/XXXX because I had received a phone call from a man named XXXX XXXX who said that he was calling from Caliber and would reinstate my loan if I made a payment of {$1900.00} and I was calling them to pay that amount. Caliber home loans stated that no such person worked for Caliber Home Loans and that no one had been authorized to make that deal with me. I then asked to reapply for loss mitigation and Caliber Home Loans did agree that they would allow me to do the loss mitigation application, they would mail it and I would have 30 days to complete and return the information. I did not have access to the application on the website because I had been locked out of my sign in and account information so the agent had to mail me the application. I did not receive the loss mitigation application dated XX/XX/XXXX until XX/XX/XXXX. I filled out all of the information requested and gathered the info that the application requested. I then got a scanner program that would allow me to put all the documents into a pdf format and emailed the package to Caliber Home Loans as instructed on XX/XX/XXXX, within the 30 days that the lender had requested that I return the application. After completing the emailed loss mitigation application, I then called the lender to let them know I had completed and mailed the application - the automated system advised me that my home had a sale date of XX/XX/XXXX, the same date I was submitting the application. I waited on hold for the next representative to find out what was going on but was disconnected. When I called back the recording said that the office was closed until Monday. I was never notified in any way that a new sale date had been issued and the thirty days for the application submission had not yet ended. Except for the application for loss mitigation, I received no mail and no phone calls from Caliber Home Loans to advise of the sale date of the house or any other information. The only way I was able to obtain the information about the sale of the house was when I called Caliber Home Loans to advise I had emailed to loan mitigation package. Now I have no idea what to do. I have no where to go, no family support and my credit is wrecked due to the foreclosure. I am facing being homeless and don't know what to do. I tried to upload the loss mitigation package I submitted but it is larger than 10 MB.