Consumer complaint received 2023-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

Complain about Fairway Mortgage Corporation Service. 
On the XX/XX/XXXX I made a last payment, at the same time I called our Fairway Independent Mortgage Corporation and explained them my life situation. Fairway offered to us a loan Modification package, when I asked a representative for more information about, lady said that - The total past due amount will go back to our loan, all late charges and other charges will be removed, the interest rate 2.49 and monthly payment {$1400.00} will be same as is on this moment.. After that helpful information, I accepted and applied for Loss Mitigation Program. 
Firs Application we signed and uploaded to : XXXX on XX/XX/XXXX. On XX/XX/XXXX I received mail from Fairway Notice of default and intent to accelerate. I called costumer services immediately to ask what is going on. They can not give me a good explanation. On XX/XX/XXXX I uploaded a document to Fairway Servicing with a question about what is going on with my application. XX/XX/XXXX I got email from Costumer Support saying that they have forwarded my email to the Loss Mitigation Team which handling my account. XXXX XXXX received email from Los MIT Support from XXXX no last name was added, that they need more information. At the same time, same day I uploaded more documents to my Loss Mitigation account they asked me. XX/XX/XXXX I uploaded 14 more documents. XX/XX/XXXX 2 more documents. XX/XX/XXXX I got email from Los MIT that they need us to correct and complete 4506c form. XX/XX/XXXX 7 more documents. XX/XX/XXXX I received mail from Servicing that our Application is incomplete and they need more information to process our request. XX/XX/XXXX I emailed to Lossmitsupp 4 more documents. XX/XX/XXXX I uploaded 25 more documents. XX/XX/XXXX uploaded correct form XXXX. On XX/XX/XXXX uploaded more 13 documents. XX/XX/XXXX email from servicing after they discovered that they may have sent me a Single Point of Contact Reassignment Letter in late XXXX or early XXXX of XXXX, which incorrectly stated at that time that they received a Loss Mitigation application from us. One month I dont hear anything from them. I called them found out what is going on again, they said needed more information. On XX/XX/XXXX I emailed to lossmitsupp with explanation where they can find all documents that they need. XX/XX/XXXX I uploaded more 11 documents, XX/XX/XXXX got mail from them, some following items are still outstanding. Same day I uploaded 5 more documents. XX/XX/XXXX received mail from Fairway that they received our complete application. 
On the XX/XX/XXXX I got a mail from Lossmitsupp RE : Underwriters Notice of Incomplete Application For Loss Mitigation. They give us 30 days period if we do not provide the required information our application will remain incomplete, they may initiate and/or move forward with FORECLOSURE. 
ON XX/XX/XXXX I uploaded 5 more documents. And in the same day I received mail from XXXX XXXX Loss Mitigation Team : OUR APPLICATION IS COMPLETE. 
XX/XX/XXXX got mail from Fairway : CONGRATULATIONS, YOU HAVE BEEN APPROVED. We will need execute with 5 days of receipt, the documents in the presence of a notary and return to Fairway no later than XX/XX/XXXX. The terms of the agreement : Change our monthly payment from {$1400.00} to {$1700.00}. When in the beginning it was promised that interest rates and mortgage payments would remain as it was. 
I received package from XXXX by mail on XX/XX/XXXX. I had 2 days to complete, notarized, signed and return no later than XX/XX/XXXX. In the span of 8 months they finally reviewed my case and approved it. On top of that they do not let me make mortgage monthly payments ( if I have some money for ) neater before or later. 
Before received a package from the mortgage corporation, On XX/XX/XXXX with my representative XXXX XXXX we Submitted Case : # XXXX. Same day and time we called Fairway to notify them that I opened the case with TXHAF and we gave them a case number. I worked so hard to complete this case soon as possible. Fairway called me almost every week asking why I unable to make a payment, and I explained to every representative about my and my 4 children life situation. Reminded them every time they called me about my HAF case. From the XX/XX/XXXX and before I has been called to HAF and Fairway, trying to find out whos doing what and where they are. HAF waited for Loan Servicer to respond, they take a time for responding. I called Fairway XXXX, XXXX BEGGED them to hurry up with responding to HAF, BEGGED them put FORECLOSURE on hold. On XX/XX/XXXX HAF sent me Current Case Summary they still waiting for Loan Servicer to respond to them. 
Fairway put our house on the Market XX/XX/XXXX and the house was sold. Now me and my 4 children from HOMEOWNERS can become HOMELESS. 
We receive a JUSTICE COURT EVICTION CITATION on the XX/XX/XXXX at XXXX XXXX. 
For additional information me and my spouse in the process of divorce. We are legally separated, both of us have a Temporary Court Order. 
1. Which is ORDERED that Spouse ( father of our 4 children ) to pay me for the support of XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX dollars ( {$1900.00} ) per month, starting on XX/XX/XXXX. 
2. It is ORDERED that Spouse pay to me temporary spousal support {$750.00} per month with the first payment being due and payable on XX/XX/XXXX. 
3. It is ORDERED that Spouse shall be responsible for the timely payment of all utilities and MORTGAGE for residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 
3. These Temporary Orders shall continue in force until the signing of the Final Decree of Divorce or until further order of this Court. This case is still active. 
Spouse only give me {$1600.00} a month for everything for more than a year. I try my best to pay our bills and get a job. I finished XXXX XXXX XXXX, got my License and starting work from XX/XX/XXXX.