Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (TN)

basically, we were in forebearance for 18 months, me and my Fiance ' had recently lost a child and going thru a miscarraige where she almost lost her life both times, and we were currently going thru her loosing another late XXXX ( twins, we had to have a XXXX to remove them ) and were going through alot of issues, not to mention our other bills were so ridiculously high it was hard to keep up with just those alone. when were out of forebearnce we didn't know for about 2 months and by the time we did we were already behind! ( this is not the company 's fault but is relevent to the situation, but we also were not getting any of the notices from CMGF because our roommate was not giving us our mail.. after kicking him out we found TONS of important mail to us in a gym bag in his closet! we didn't know we were in foreclosure! we didn't know that we qualified for any of these programs offered, and we never hot any email ( which is the best way to reach us and we thought we signed something saying we would be using electronic mail correspondence but we never got any email from them about our situation. I was affected by covid from my job and truying to make money doing odd jobs. once we discovered that we were in foreclosure we immediatly contacted them and spoke with a SPOC rep and they said that they got it approved for us to just pay back the ( now XXXX ) missed payments and the forebearance would we tacked onto the end of the loan as originally planned and we would just reinstate our mortage payments.. we agreed to pay like XXXX up front and werent even asking for a lower payment, I am about to get another full time job and my usual salary is anywhere between XXXX and XXXX so I knew we would be able to make the payments. the SPOC said that everything was taken care of and that we would be recieving everything in writing, I never recieved anything, and when I called back to ask for the paperwork I was XXXX that the SPOC was wromg and we were screwed unless we payed the full XXXX plus!!! so I wasted a month thiniking we were OK bc THEY said that we were!! then just to be told " XXXX!! " " just kidding youre still XXXX!!?? '' We have fiulled out and filed for every federal and other type of program we can think of, we are desperate and at a loss. they sent us a loss mitigation packet ( I think? ) and we are currently working on that, my fiance ' has been thru so much recently and the stress alone is going to hospitalize her I fear. after loosing XXXX pregnancies and XXXX living child in 2 years if I loose her home that she loves more than anything I will never forgive myself. ( thats neither here nor there I guess ) but the bottom line is they told me all of this was settled and they lied. that lie cost me almost a month of time I could have been using to prevent this foreclosure. Also I don't see how CMGF can foreclose on my house when XXXX XXXX is the one who owns my loan? who has the promissory note? I hope this complaint doesn't make cmgf not work with us in the end and just want to punish us, ( bc that is what it seems like, no one has called us back from the attorneys and its impossible to get a person on the phone, and they keep purposely sending me the wrong date on the reinstatement letter. We can for sure afford our payments, and even if I stay doing what I'm doing, but Ill be taking one of the multitude of job offers Ive received. plus we recently aquired a roommate who had access to financial means so he will have no problem paying his rent which is more than half our mortgage, I don't see why they would say they would take our payments and we were good, then just do let us fall more and more behind and in debt and closer to loosing our home! Can they do that??