Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

To whom it may concern : I have lived in the XXXX area my entire XXXX years of life. I bought my home in XXXX after I rented it for XXXX years. I have seen so many good times here, and recently I 've seen a few bad times due to the economy and a short-term job loss. Unfortunately, I may be forced out of my home by my mortgage note holder ... CHFA HAS SET UP A SALE DATE FOR XXXX XXXX, XXXX!!! 

I am an XXXX. I 've been doing this for XXXX years at least, and I 'm good at what I do. However, I work on commission. Unfortunately, there was very little work due to the slowed economy in late XXXX into most of XXXX. My income suffered, and all of a sudden I found myself behind on my mortgage. I finally was able to switch jobs late in XXXX and now have more than recovered financially. I just need a little assistance in getting this problem solved since XXXX has completely dropped the ball. 

When I fell behind on my mortgage in XXXX, I contacted CHFA to try and get a loan modification to fix this issue. I asked them to send me an application packet, but it took XXXX or XXXX different requests before XXXX actually was sent!! I then jumped on it and did my part by getting them all the documents they needed to review me for a solution. I was hoping for an answer, but instead I was told they did n't receive it. It took me sending the complete package XXXX different times before XXXX finally acknowledged that they received it, which was just a couple of months ago. They even denied receiving a previous submission I sent by certified mail!! 

By the time they finally got my application, a sale date had been issued. I thought XXXX would be decent and postpone the sale while they reviewed by application ... but they did n't!! I still have n't heard a word about my application, and the sale of my home is going to proceed -- -- -- -is n't that illegal?? 

It 's funny how when I fell behind, I could n't keep XXXX off my phone line since all they did was make collection calls to me throughout the day asking me what I was going to do about this. But when I was trying to solve the problem, I could n't even get a single point of contact, just a general phone number to department where everyone I talked to had a different answer than the last person I talked to. Plus, they made it almost impossible to apply for assistance, and now that I finally have, I do n't hear a peep from them? 

I feel like I 'm being denied access to programs that should be made available to me. I had a legitimate hardship and I 've recovered and want to make good on my mortgage. Is n't that what these programs are designed for? I 'm not asking for a handout or for something I do n't deserve. All I 'm asking for is to be treated fairly and be given an opportunity to solve this issue and move forward. I simply want a review of my mortgage for all available retention options so that I can keep my home. My financial future looks bright and I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.