Consumer complaint received 2016-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

My loan was originally with XXXX XXXX Bank, I have submitted modification applications with XXXX a few times and have always submitted the paperwork they have asked me for. XXXX held on to my paperwork without any action, so I assume they knew they were selling my loan to another bank. I have done financials over the phone with Caliber Home Loans since they have assumed my loan from XXXX, I have also faxed over to them financials and have asked what information they need from me. I spoke with a Supervisor from Caliber XXXX XXXX and explained my hardship to him and another agent. I was involved in a serious Bus accident that left me XXXX XXXX which has led me to have a XXXX hardship. In XXXX I spoke with a female representative at Caliber Home Loans that was extremely rude to me and did not explain things properly to me after I asked many questions regarding my rights and options to save my home. At that time I asked for the supervisor I mentioned. I forwarded my SSI reward letter to Caliber and the other documents they sent me in their packet. At the same time I contacted the HARDEST HIT FUND who was also assisting me with trying to obtain a modification to save my save. I have suffered through XXXX XXXX in the past 2 years and can barely get around at this point especially when I 'm trying to heal. I have explained my situation to Caliber after they sent me a letter that came to my home around XXXX XXXX, XXXX. They letter stated that I should go online and see what documents I needed to give them. When I tried to go online that night, it said that I had no access. I called the hard hit program ran by XXXX to see what I should do because I 've submitted all of my documents to them including my wife 's Profit and Loss statement. I have explained this to Caliber XXXX XXXX, XXXX and they told me that it was too late because they need 15 days to review documents. I explained to them that I am XXXX at the moment because of my XXXX being just several months ago and that I would be able to fax what they needed right then and there and they were not willing to work with me. I also went to XXXX County Court to try and get a Sheriff sale stay and when the judge called the Attorney for the bank, the bank said they were not willing to work with me. I have suffered major hardships over the years and I was just asking for assistance now that my wife is helping me pay the bills and mortgage. My home went on sale XXXX XXXX, XXXX, no one purchased the house according to the Sheriffs office when I called today. The property has went back to the bank. Myself and the company helping me contacted the bank today to see if there was a way that I can continue with trying to get a Modification and the representative from the bank said no. I need help to please try to overturn the sale date that just happened yesterday XXXX XXXX, XXXX and only want to exercise my rights as a XXXX man with a family who 's only trying to get back on track. If I lose my home, I will have no place to go. I feel that the representatives at Caliber were not being helpful as I kept receiving different information from different representatives. I also do n't understand how and why when I sent applications for Modifications even before Caliber purchased my loan got totally ignored. I have also applied with Caliber XX/XX/XXXX and still received no help. I am able to pay a reasonable mortgage payment at this time. I have left my phone number with them and asked for the rep to contact me if I was missing something and I have n't heard from them so I assumed that everything was ok and my paperwork was being processed. PLEASE HELP ME KEEP MY HOME