Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Nearly 10 years ago, even though scared, i was convinced to buy my first home under the XXXX, first time homebuyer 's, down payment assistance program. This program is offered throught the XXXX XXXX XXXX. After selecting a home I was interested in and it passed the FHA housing inspection, I went through with the purchase. The transfer and/orclosing, through XXXX XXXX XXXX, went pretty Smoothly, so I thought. The original mortgage was set up through XXXX mortgage, who is no longer in business that Im aware of. They went out of business shortly after I purchase the home. My mortgage turned over to XXXX. XXXX was my mortgage company for 2 to 3 years before they went under. My mortgage was transferred over to XXXX XXXX XXXX. My mortgage stayed with them for 5 or 6 years. Throughout all the transitions of my mortgage I was never late or missed a payment. My mortgage loan was set up where my mortgage holder pays my property taxes and homeowners insurance and I pay them one lump monthly sum. Everything seemed to be going smooth, until I was notified of some devastating, unforeseen and unheard of news. I found out that my home was in foreclosure through the State of Washington and had been in foreclosure for quite a while. There was a lien placed on the deed to my house that I was also unaware of. I immediately contacted my mortgage holder, XXXX to find out some answers. They too were completely unaware of the Foreclosure too. They informed me that they could not help me because they never received any tax statements on that Parcel from the Dept. Of Treasury. I was unaware completely of this because I did not received any yearly tax statements in prior years. My guess as to why I never received any previous tax statements for the 2nd parcel was because they were possibly being mailed to XXXX XXXX XXXX, which Is not the same address as the primary Parcel number 's address, nor did that address exist to the USPS. My guess is the yearly tax ststements and Forclosure letters were being mailed to an address that did not exist and returned by the USPS. Ive recently discovered the second parcel associated with my house was once an alleyway that was abandoned 60+ years ago. My house just happened to be selected to take over that abandoned alleyway Parcel. Ive contacted everybody/entiry I could who was involved in the purchase/transaction of this house, to find out exactly where things went wrong and try to find assistance in fixing the situation is was in. The Department of Treasury, The State of Washington, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, were all pointing their fingers in other directions. This left me in a bad situation where I was left with no other choice but to come up with the funding on my own and get my home out of foreclosure on my own, so I would n't lose it. This was not easy being a single mother on a single income. I still owe many for helping me financially. I have also became a victim of XXXX, after a divorce from a 12 year marriage/relationship. Once ai accumulated enought to be able to keep my home and get it out of Foreclosure, I questioned on future payments to XXXX XXXX XXXX. I wanted to get everything corrected, so that they would start paying the taxes on that second parcel. They instructed my that I would need to refinance in order to add the second Parcel onto the deed, which would allow them to receive yearly tax statements from the department of treasury. Now that I have refinanced, my mortgage was sent over to Pennymac mortgage. mortgage, who is my current mortgage holder. Recently, I 've learned, through an attorney that a refinance did not need to happen to have that Parcel added to the Deed. I also discovered in the last few days, from XXXX XXXX ( City of XXXX Auditor ), that even after the refinance, the 2nd parcel is missing.