Consumer complaint received 2015-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I received an FHA backed loan to purchase my house in XXXX 2014 in XXXX. The servicer is XXXX XXXX and the sub-servicer is Dovenmuehle Mortgage Inc. A few months after I moved in to my house, I experienced some changes in my life that I believe I can solve by moving out of my house and renting it out. 

I contacted Dovenmuehle several times about this matter. l explained to them that I am no longer working. My wife works, but makes less than what I made and is not enough to support us financially. We have XXXX young children and we can not afford daycare. I looked into help paying for day care through government programs but there is a 6 month waiting period. We also have no family who can help us take care of them. When I attempt to get a job there 's always a conflict with scheduling since someone needs to stay home with the children. My solution to solve my financial problems is to move in with family in Maryland. My family in Maryland has agreed to not only allow us to stay with them until we are financially stable, but also help with child care. 

So I began looking for employment there and I applied to transfer universities as I am also a college student. At the same time I requested to rent my house for the reasons I listed above. I know from the contract I signed that with an FHA backed loan I am supposed to live in the house for one year. My first denial letter referred me to that part of the contract. I only made my request because after that part of the contract that states I have to live in the house for a year, it also says, that the lender may waive that one year requirement if there are extenuating circumstances. Why did Dovenmuehle quote the first part of the contract but not the second part? 

So I sent in another letter requesting them to reconsider and further explaining my situation. Again they sent me a denial letter, but this time with no explanation. I filed a complaint with the XXXX and they responded to that complaint stating that my loan is owned by the Government National Mortgage Association ( GNMA ) and there may be " possible conflicts '' between GNMA and XXXX XXXX. What does possible conflict mean and why is it not know with certainty? I looked into GNMA and they clearly state on their website that they do not service loans and all decisions regarding loans are left up to the servicer. I believe they are purposely providing me with bad information to force me to drop my request. 

I would like to add that the department at Dovenmuehle that deals with these issues do not have email addresses nor do they have phones. The only way to make a request or contact them is through fax or mail. I made a request for them to call me and they told me they would respond to my request within the 30-45 days required by law. It has been over 45 days and they never contacted me. 

This has been going on for about 5 months and I have had missed opportunities for employment in XXXX. I have also received numerous loans from family to help in keeping up with payments. Falling behind on payments is the last thing I want to do. I never intended to move out of my house. I had planned to stay in my house and in the area for a long time.