Consumer complaint received 2025-12-03 00:00:00
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: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I am filing this complaint regarding the mishandling of my mortgage account, loss-mitigation applications, and foreclosure process. Throughout this entire period, I consistently reached out for help, provided documentation, and attempted to cooperate. Instead, I faced major delays, incorrect information, conflicting deadlines, and improper handling of my loss-mitigation rightsultimately resulting in foreclosure and eviction despite my active participation. 

XXXX. Initial Modification and COVID-19 Hardship I was granted a mortgage modification that I was told was connected to my COVID-19 hardship. Later, I learned that the company did not file it correctly as a COVID-related modification, even though the representative confirmed that I did XXXX COVID hardship in my application. Because of this filing erroran error made by the companyI was told that several other loss-mitigation options could not be offered to me. 

Shortly after receiving this modification, I became a victim of severe XXXX XXXXXXXX, which directly impacted the safety and stability of myself and my children, as well as my ability to remain employed as the sole provider and financial support for my family. 

XXXX. XXXX XXXXXXXX Events and Resulting Hardship I was required to modify an existing restraining order to full contact so that my husband could return to the home. After the modification, the abuse escalated. Several months later, I was strangled by my husband an incident that placed my safety and life at serious risk. 

Approximately XXXX months after that assault, I lost my job due to circumstances directly related to the XXXX XXXXXXXX I was experiencing. At the same time, I became financially controlled. I was pressured to liquidate my entire XXXX XXXX XXXX XXXX  to pay for necessities such as utilities, car payments, and basic living expenses for myself and my children. Despite being the primary caregiver and needing those funds for our stability, I was coerced into spending a significant portion on my husbands hotel stays, wants, and personal demands until the money was completely depleted. 

This combination of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX resulted in severe instability for me and my children. 

All of this informationpolice involvement, restraining-orders, employment loss, and XXXX XXXXwas provided to Loss Mitigation multiple times, in multiple applications, phone calls, and emails. I then seemed and retained a pro-bono XXXX XXXX Foreclosure attorney at XXXX XXXX. 

XXXX. Repeated Applications & Improper Deadlines Throughout XXXX, there were constant timeline overlaps, contradictory deadlines, and documentation that : was never sent to me despite being required, was sent with unreasonably tight deadlines, and was never adjusted, even when the delay was entirely on the companys end. 

Despite this, I still submitted every required document before the deadlines. 

XXXX. Forbearance Extension Mishandling While my forbearance extension application was in review, I was told on the same date that : my application was still being processed, and my loan was now in active foreclosure. 


This was despite the fact that they received my documents XXXX days before the deadline. 

XXXX. Forced Short Sale & Denial of XXXX I was then assigned a point of contact for a short sale, who informed me : that we were in active foreclosure, there was no sale date yet, the file was being assigned to an attorney, and that I had no option except a short sale. 


I repeatedly asked about other options, specifically deed in lieu, due to being a surviving victim of habitual XXXX XXXXXXXX. 
I was told no, and that they would only consider a deed in lieu if the short sale failed. 

XXXX. Short Sale Handling Issues Once we were pushed into a short sale : An appraiser arrived at my home without notice.

Because my children were sick, the appraiser asked to reschedule. 

I contacted my loss-mitigation representative multiple times to reschedule ; he ignored my emails, but told my realtor that he hadnt heard from us. 


XXXX. Application Submitted Without My Knowledge Later, I learned that my husband contacted the representative and asked to stop the short sale and asked whether they had received an application for a new loss-mitigation option. 

I was never informed of this application to stop the first short sale until it was mistakenly mentioned by my loss mitigation representative the day before auction and he said he thought I knew and would forward me the email from my hus and but when i followed up via email more than XXXX time for the forwarded email and application, it went unanswered and I have still received no response to this as well as the denial email for the offer we received on the second short sale I never signed anything related to it. 

My husband and I had previously agreed to a short sale or deed in lieufor his reasons, he wanted to be sure I stayed in the marriage so without my consent, he submitted an application and witheld the correspondence documents pertaining to this request and submitted a new application and stopped the original short sale. 

XXXX. Continued Denial of Deed in Lieu When I again asked ( multiple times ) for a deed in lieu, I was told : it was off the table, it's not going to happen because it's too late. 

despite being previously told the only requirement was that a short sale first be unsuccessful. 


I was also told that if I had requested XXXX around the time of our first short sale attempt, it would have been approvedeven though I did ask at that time. 

XXXX. Lack of Notice & Incorrect Foreclosure Information I received only XXXX notices from the law firm representing the mortgage company. 
Both contained incorrect information about : the originating mortgage company, payment history, modification amounts, missing mortgage payments. 


I contacted the law firm immediately to request corrections and the full mortgage documents. I emailed and left voicemails repeatedly. 

I received no response for more than 30 days. 

When the firm finally called back, nothing regarding the corrections was addressed. They simply stated someone would be in contact with me againbut nobody ever followed up. 

XXXX. Eviction Notice Without Communication I did not hear from the law firm again until XX/XX/XXXX, when I found a demand for possession posted on my door, dated XX/XX/XXXX, requiring me to vacate the property by XX/XX/XXXX. 

During this period, the mortgage company and law firm had been completely unresponsive. 

XXXX. Short Sale Review and Contradictory Foreclosure Dates While submitting yet another short sale application, I received : XXXX separate foreclosure sale notices, with different sale dates, including XXXX duplicate letters dated differently. 

No one would confirm the correct sale date or provide any court forms or hearing dates We listed the home for XXXX weeks and received an offer. 
My representative claimed he submitted it for approvalbut less than XXXX hour later, he told us it was denied. 

When I asked for written documentation of the denial, he repeatedly avoided the request. He answered other questions but ignored this one entirely. 

XXXX. Legal Representation and Failure to Address XXXX XXXX  My real estate attorney initially assisted me, but after the foreclosure sale date, he called for a final conversation. When I asked what would happen next in the eviction process and whether domestic-violence protections applied, he said : he wasnt familiar with all the next steps, he had completely forgotten about DV protections ( even though they had been repeatedly discussed ), and acknowledged that these protections could have significantly changed the outcome.He then informed me the representation was over and sent me links to websites for help. 

Throughout this process, I experienced : mishandled applications, ignored documentation, failures to communicate, incorrect foreclosure notices, conflicting deadlines, unreturned communications, refusal to evaluate available options, withholding information, and potential violations of protections for domestic-violence victims and loss-mitigation requirements. 


I made every possible effort to cooperate, submit documents on time, and prevent foreclosure. The repeated errors and failures by the mortgage servicer and their representatives directly contributed to the foreclosure and eviction outcome. 

I am requesting a full investigation, correction of records, and a review of all procedures involved in my case I have a link with all communications via phone and email and all correspondence and letters ever received from all parties in regard to this and can provide at your request.

Company response to consumer: Closed with explanation