Consumer complaint received 2019-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (PA)

TimeLine. 



In XXXX of XXXX, XXXX decided to finally get a will based on the hospital request and personal choices because of his XXXX including being legally XXXX. The will was certified with two bankers that questioned XXXX about the understandings of the will, and what his wishes where. It was XXXX desire to leave me the home because of all I've done for him and his mom. So his sister knew months before he passed that the house was to be given to me. I also have proof of this via text messages, emails, and video messages. 


XX/XX/XXXX. XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX away from struggles with XXXX. I was his power of attorney and executor listed on his will with co-executor his half-sister XXXX XXXX. We weren't related by blood, however, I considered him my dad/ uncle and the day I got married he walked me down the aisle. 

XX/XX/XXXX I stopped by Habitat for Humanity XXXX XXXX speaking with XXXX XXXX providing a copy of the death certificate for XXXX XXXX and co-owner XXXX XXXX his mother that passed away in XX/XX/XXXX and the Will. At that time XXXX said he would be needing to meet with the board for habitat because this had never happened before where both owners were passed and because they were a nonprofit and the lien holder. At that time his recommendation would be a transfer of the original mortgage to me with the assumption of the mortgage. 


XX/XX/XXXX I provide a copy of my bank statements, a copy of my credit report, and drivers license to XXXX. He shook my hand and thanked me stating " the debt is yours now ''. At the moment the balance of the mortgage was {$16000.00}. 


I was represented by XXXX XXXX of XXXX, XXXX, and XXXX and told her about the steps I would be taking to resolve this matter directly with Habitat. 

Please note I have a copy of all emails exchanges. 


However, once the board reviewed my income, they request I get a personal mortgage to take care of the balance. I agreed and went through XXXX   located in XXXX working with XXXX XXXX. 

XX/XX/XXXX The mortgage was approved pending Habitat agreed to transfer the mortgage in my name which they originally agreed to Per emails dated XXXX XXXX Then Habitat came back stating they wouldn't and the deed would need to come from the estate, at this time the co-executor started making problems. and refusing to work with me to close the estate out. I then contact Habitat about simply paying off the balance in cash and they once again said they would do it. but didn't follow through. 


XX/XX/XXXX, I emailed XXXX again trying to take care of this mortgage and asking them to finally follow through on the settlement agreements. Which again he gave me the runaround XX/XX/XXXX we began the process to remove XXXX from co-executor do to her intentionally .delaying the closing process. My attorney submitted all paperwork and forward to Habitat. 

XX/XX/XXXX received notice of foreclosure and requested a meeting with Habitat for Humanity and XXXX XXXX their representing firm. They refused to meet about settling the estate. 

Noc XXXX Finally had XXXX remove as co-executor on the Estate but had to wait too receive my official seals of the estate. 


XX/XX/XXXX I finally received my seals from the courthouse which had been delayed due to human error. Once again we reached out to try to settle the estate. Yet they pushed for a court hearing seeking a judgment against the estate for the balance owed. 

XX/XX/XXXX I requested a pay off balance, requested which I expected would be a balance of the mortgage taxes and fair legal fees associated with the estate. Thus the last emailed received before the balance requested for their legal fees were {$2300.00} however upon balance request for payoff they where claiming legal fees of almost {$10000.00} which is fabricated and abusing of powers. 



XXXX XXXX <XXXX> To : XXXX XX/XX/XXXX at XXXX XXXX Good afternoon, Ms. XXXX. 



I just learned about your loss today. I am so sorry to hear about this. I cant imagine how you feel. I never met him, but I heard stories from his neighbors ; I would have liked to have met him. 



I want to address the mortgage debt with whomever is managing his estate. Is that you, or is there someone else that can help. Please feel free to call me ; my cell might be best ( XXXX ) XXXX-XXXX. 



XXXX XXXX, XXXX Interim Executive Director / Director of Operations XXXX XXXX Habitat for Humanity XXXX XXXX XXXX, XXXX, PA XXXX office : ( XXXX ) XXXX-XXXX cell : ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX   Hi XXXX, Here is my direct number XXXX-XXXX-XXXX. I just spoke with the Funeral home and they can have a death certificate for me next week, but I will have the will for you tomorrow Thank you again XXXX Show original message Death Cert XXXX / Inbox XXXX XXXX <XXXX> To : XXXX XX/XX/XXXX at XXXX XXXX A photocopy/scanned copy will suffice. 



XXXX XXXX, XXXX Interim Executive Director / Director of Operations XXXX XXXX Habitat for Humanity XXXX XXXX XXXX, XXXX, PA XXXX office : ( XXXX ) XXXX-XXXX cell : ( XXXX ) XXXX-XXXX XXXX XXXX To keep up to date with us, please visit our XXXX page or sign up for our enewsletter. 




XXXX XXXX <XXXX> To : XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX I just asked my guy at XXXX XXXX  again about the insurance in force. I am reaching out to my counsel about a quote. 



XXXX XXXX, XXXX Interim Executive Director / Director of Operations XXXX XXXX XXXXabitat for Humanity XXXX XXXX XXXX, XXXX, PA XXXX office : ( XXXX ) XXXX-XXXX cell : ( XXXX ) XXXX-XXXX XXXX XXXX To keep up to date with us, please visit our XXXX page or sign up for our enewsletter. 




Show original message XXXX XXXX <XXXX> To : XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX The insurance is through XXXX XXXX : XXXX   XXXX XXXX sees the coverage with XXXX XXXX due to renew on XX/XX/XXXX. Annual premium last paid was {$690.00} and the policy number is XXXX-XXXX-XXXX-XXXX. 





XXXX XXXX, XXXX  Interim Executive Director / Director of Operations XXXX XXXX Habitat for Humanity XXXX XXXX XXXX, XXXX, PA XXXX office : ( XXXX ) XXXX-XXXX cell : ( XXXX ) XXXX-XXXX XXXX XXXX To keep up to date with us, please visit our XXXX page or sign up for our enewsletter. 




Show original message RE : MortgageXXXX XXXX / Sent XXXX XXXX <XXXX> To : XXXX XXXX ' XXXX XXXX, XXXX at XXXX XXXX Hi, I checked into your scenario and if the deed is transferred into your name prior to settlement then we have to wait 6 months to do debt consolidation. 

The best way to proceed is to prepare a sales agreement between you and the estate and reference a gift of equity. The only disadvantage is that there will be transfer taxes. In this scenario, we can do the debt consolidation at the time of closing. 



XXXX XXXX NMLS # XXXX ( AKA XXXX ) Loan Officer XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX c-XXXX-XXXX-XXXX o-XXXX-XXXX-XXXX XXXX XXXX <XXXX> To : XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, My apologies, but after our attorney proceeded to work on the deed they had this to say : " It is our opinion the estates attorney should prepare the deed. That would be ordinarily done by the attorney settling the estate. And it will not be delivered to the buyer until the loan closing when you can be assured of receiving funds sufficient to pay off the Habitat mortgage. '' Can you communicate this with the attorney handling the estate? 

XXXX XXXX, XXXX Director of Operations XXXX XXXX Habitat for Humanity XXXX XXXX XXXX XXXX, PA XXXX Office : ( XXXX ) XXXX-XXXX Cell : ( XXXX ) XXXX-XXXX  XXXX XXXX <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Good afternoon XXXX, I pray that all have been blessed and well with you & the family ... I wanted to reach out to you with one last effort and prayer that we can come to an agreement with the home. I have read through all the material request from you, the board and your lawyer several times My firm is fully aware of communications and agreements being made on your behalf then not following through. 

I have paid out a large amount of money and time following through on all request materials. 

Thus you offered the following agreements, yet didn't follow through. 

1, Assumption of the mortgage 2. Provide personal mortgage 3.Assumption & mortgage 4. Take over payment 5. Straight Cash buy I have verification and proof through emails, text message and communication to my Lawyer & broker that you failed to follow through with the agreement. I don't want this to turn poorly and become a legal battle for breach of contract. As you know this has been a very traumatic experience for me, however, I have been a women of my word and simply asking you to be a man of yours. I just want this chapter over and done. Can we work together directly to take care of this now? 

I will be in town Fri XXXX if we can meet and take care of this that would be great. I already have the mortgage and just need the green light from you. Thus I hope to hear back from you by then. If not I thank you for your time and will move forward will all my legal options. 


Please, Please, Please let 's work this out neither of us needs the additional stress. 

XXXX XXXX <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Good morning, XXXX. 



I touched base with my counsel at XXXX XXXX & XXXX and he said that he has been in touch with the other parties. Please stay in touch with your counsel. Hopefully all this will be settled soon. 



XXXX XXXX, XXXX Executive Director XXXX XXXX Habitat for Humanity XXXX XXXX XXXX, XXXX, PA XXXX office : ( XXXX ) XXXX-XXXX cell : ( XXXX ) XXXX-XXXX XXXX : @ XXXX XXXX XXXX To keep up to date with us, please visit our XXXX page or sign up for our enewsletter. 




Show original message XXXX XXXX <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX  Ok thank you for the update. 



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