Consumer complaint received 2024-03-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TX)

On XXXX XXXX my XXXX daughter was hospitalized for a serious medical condition that was later diagnosed as XXXX XXXX. Because this illness required weekly office visits, supervision before school and after school and if she had episodes at any time required me to obtain XXXX at work. So due to this information I was granted intermitted XXXX from my employer and my hours were reduced to care for her. I am a single parent, so my income is all I have coming in to care for my last XXXX younger daughters. Because my hours were cut short and my mortgage payment and my other bills became due. I requested a reduction to my mortgage company Freedom Mortgage for assistance for my hardship I was experiencing. I provided all the verification the requested including XXXX paperwork approval, XXXX 's. medical documentation for the hospitals and outpatient faculties and a letter stating my hardship and all the documents they requested. I then received a modification in the mail increasing my payments from {$1100.00} with my fixed interest rate of 4 % to my payments changing to {$1300.00} at a 6 %. I reached out to my mortgage company explaining I need a reduction not an increase. And my mortgage company representative said I HAD to sign the modification to get the reduction or forbearance request, so I did. They told me they are sending a notary to my home to sign then call them back for the forbearance or reduction. Once I did what they asked they keep sending me a modification for higher amounts and kept telling me to send in the same documents over and over and still never provided me a reduction or a forbearance. Then I called more times, and they told me once again I needed to sign another modification to receive a forbearance or reduction to receive one, so I signed it again. Making my payments almost {$1400.00} and the payment being due XX/XX/2023. Unfortunately, on XXXX XXXX My employer terminated me after being there for 2 years XXXX week after my XXXX hours exhausted for my daughter. But was going to renew XXXX XXXX. I then reached back out to my mortgage company for a forbearance pleading for them to please help me this time and submitted to them my termination documents, my unemployment award letter, reason for termination and bank statements, tax returns, unemployment affiavit and all the paperwork for my income and expenses and information they requested, and they still today Wont grant me a forbearance and keep sending my modification making my payment higher. So, for almost a year with my hardship my mortgage company is Refusing to grant me an unemployment forbearance or a reducing in hours modification and now is threating to foreclose on me and have not assisted me or given me a denial for why I don't qualify for a forbearance or a reduction. I have reached out to XXXX XXXX XXXX XXXX to assist me, and I have filed a complaint with HUD because they kept forcing me to sign modifications and not granting me what I might qualify for due to my circumstances chancing financially. Please help me resolve this issue so I don't become homeless and lose my home with my children thank you.