Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
My request for a loan modification begin XX/XX/XXXX thru present date XX/XX/XXXX, over a year pending final loan modification payment. With me on multiple occasions, submitting, resubmitting, consistently completed required requested documents to Home Bridge Financial Services and with a successfully completed trial payments of {$1600.00}, from XX/XX/XXXX thru XX/XX/XXXX. 

I called Home Bridge Loss Mitigation Department XX/XX/XXXX, regarding a major concern with my modification/trial payments of {$1600.00} as to why such an outlandish monthly amount. With all requested hourly pay check stubs submitted and confirm receipt from the company to review. I was directed to speak with Mr. XXXX XXXX ( Underwriting ) to address my concern. 

XX/XX/XXXX I had the opportunity to speak with Mr. XXXX on a recorded line regarding the calculations of my successfully paid trial payments {$1600.00} and addressing the outlandish amount of final modification payments of {$1600.00} and an increased interest rate. Mr. XXXX stated let me take a look at your package we received. He noticed and stated that my check stubs reflect 2-months of high overtime hours 50+/70+, my response yes that would be XX/XX/XXXX & XX/XX/XXXX peek mandatory months, with co-workers on vacation or out and due to annual year-end closing of company books. XXXX XXXX, acknowledge that he saw/see the error that the overtime was calculated as 12 months as oppose to the 2 months based on pay by the hour as reflected on check stubs and said that HUD cause the error. Im not by any means interested in finger pointing, my FOCUS/DESIRE is maintaining my home with a correct recalculated lower monthly payment and interest rate until paid in full for my children & me. 

I've provided the complete re-modification package more than once and all information required was provided within the allotted time frame. The mortgage company should honor the fact that they made the error and correct it based on the dates and information they've ALREADY Consistently and Variously received. Their negligent behavior has taken a toll on not only me but my family and I'm now being told we may soon have to vacate our home, leaving us destitute and homeless if i don't come up with $ XXXX per their letter they mailed me received XX/XX/XXXX and XX/XX/XXXX for {$9600.00} that their attorney letter stating i need to pay to avoid foreclosure. This within itself shows error and conflict of information within the Mortgage company and information they're providing to their attorney 's office. This is Mentally stressful and a depressing state of mind to be in with a desire to keep my home. 

To keep my home i did re-submit the package via ( email, certified mail to Home bridge ) that Mr XXXX XXXX Underwriting department advise his colleague to send me via email Ms. XXXX XXXX Loss Mitigation department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation