Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am filing a complaint against the mortgage holder for my XXXX and XXXX, account. My mother died on XX/XX/XXXX and my father passed soon after on XX/XX/XXXX they had been married for XXXX XXXX  when my mother passed. They had left me the family home using a beneficiary deed. Their mortgage was with XXXXXXXX XXXX  and I started trying to work with XXXXXXXX XXXX to see what we could get done regarding the mortgage but soon after starting talks with them they sold the loan to Right Path servicing XXXX XXXXXX/XX/XXXX ). I started over working with Right path to see what we could get done. Admittedly, I had gotten behind on the payments, I was talking to them about the sheer number of repairs on the house that needed to be done and they told me that if I got the loan caught up, get a home inspection report and an appraisal they would work with me. I got the loan caught up in XX/XX/XXXX, XXXX was paid to get caught up and at my own expense I paid for an appraisal and the inspection report. I submitted everything to them on XX/XX/XXXX. They also sent out a realtor to appraise the property and charged that fee to the loan. Every 2 weeks I would call them to see what was going on with the review. They kept telling me that they were still reviewing my info. I was continually still paying the mortgage. Around XXXX after no response, I stopped paying the mortgage again. I was still reaching out to them every 2 weeks to check the status of the information I had submitted just to be told they are still reviewing the info. 

I then spoke to a representative around XXXXXXXX XXXX XXXX and he was looking into the results and he told me that they had made a decision in XXXXXXXX XXXX XXXX not to work with me but no one had bothered to tell me. After consulting an attorney, I told them to go ahead and foreclose on the property since they were giving me no other options. The mortgage owed on the property was approximately {$58000.00} but the house appraised for {$28000.00}. The mortgage companies realtor told them he could sell the house for {$32000.00} as is. After getting bids for the repairs, it was going to cost approx. {$90000.00} {$100000.00} to repair the house. The homes in the area in good condition sale for approx. {$130000.00}, the value is just not there. 

The foundation is sinking and the house needs to be leveled out, the bathroom needs to be completely gutted, the toilet is caving into the floor, the basement needs to be waterproofed, the bathroom in the basement needs to be replaced, the roof needs to be replaced because it is leaking in the house and raccoons are living in the crawl space because they have torn up something on the roof to gain access. We closed up the initial entry and they found another way in. There is no insulation in the roof or the walls of the house so electric bill runs about {$1200.00} per month in the winter, the electric needs to be upgraded and replaced in places where it is not working at all, the plumbing needs to be completely replaced and the sewer line under the house has disintegrated and has to be replaced, there is no functioning kitchen, they sidewalk is starting to cave in and the garage door is now broken, just to name a few things. The longer this issue is dragged out the more deterioration is happening to the home. I explained all this to Right path and they just asked me when could I get the payments caught up. I never put the loan into my name because I felt like it was not going to work out to my benefit and my gut instinct was correct because they have done nothing but delay and given me the run around. 

We went to court and my case was assigned to an arbitrator, we had a meeting with arbitrator in XX/XX/XXXX and in the conversations with the mortgage company the attorney told me that it was my fault that the house was in disrepair. I explained I inherited this house and think it would be fair if they would just let me buy the mortgage out for the appraised value of home. The attorney told me no because I owned the home and it wouldnt be an arms length transaction, I asked well can my brother by the home he doesnt own it and she told me no because we have the same last name and they would want to know why they would be buying it. Not sure what had to do with anything except to delay and to allow them to take the house from me, she then told me that I could sale it as a short sale and based on information from the arbitrator I did not go that route. After the arbitration went nowhere, we went to XXXX other court date ; they sent out letters to all my siblings to see if they would take responsibility for the mortgage. They all have their own homes to take care of and they dont have the money to take this on. 

Right after this they sold the loan to Rushmore Servicing XX/XX/XXXX and I had to start all over with them. Their only suggestion to me was to sign the house over to them and I asked them how would that help me? They had no real response, So now we are back in the foreclosure process and I have a court date for XX/XX/XXXX and they are wanting to use XXXX to sale the home. Not sure why it can not be sold at the courthouse. But this whole situation has been a nightmare for me and I am still grieving the back-to-back passing of my parents. They wanted to keep the house in the family but these mortgage companies have done nothing but try to take the home from me. Every viable solution offered they have denied, their only interest is in having me just to continue to make the payments as they were originally set up. They are not concerned at that the condition of the home is not what it was when the loan was taken out. Nor is it a livable situation. These are the same banks that were requesting taxpayer dollars when they needed help but they are so unwilling to give the same to the people who saved them.

Company response to consumer: Closed with explanation