Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home 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: Supreme Lending
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek assistance regarding a troubling situation with my mortgage lender, Supreme Lending, involving my loan purchased under a a Renovation Style Loan with XXXX XXXX. Additionally the rejection and denial of payment from XXXX XXXX XXXX XXXX program to cure the delinquency and hardship. 

In XX/XX/year>, I had {$15000.00} in available funds from the Georgia program to assist with my mortgage. The program requested a workout agreement from Supreme Lending, but XXXX XXXX, the loss mitigation representative, has been uncooperative. He refused to accept partial payments from this state-regulated funding source intended to support homeowners facing post-pandemic Covid economic hardships. 

While waiting for the application process to conclude, I attempted to continue making payments, but the lender blocked my access to do so. During this period, Supreme Lending charged me nearly {$7000.00} in excessive fees and demanded these payments in addition to my current monthly obligations, threatening foreclosure if I did not comply. 

Despite offering to send {$15000.00}, XXXX XXXX informed me via phone that he would return my funds if I could not provide the full amount. I emphasized the ethical considerations involved and reached out to HAF via email, but XXXX XXXX insisted that payments needed to arrive simultaneously within a week ; otherwise, he would forward the case to foreclosure attorneys. The HUD counselor and Georgia Assistance program counseled me and requested XXXX XXXX to work with the state funds and timeframes that would be expedited XXXX weeks to get the additional payment to Supreme Lending XXXX XXXX XXXX would not provide the documentation nor cooperation to allow the time and work out agreement. Contrarily XXXX allowed even his own time nearly XXXX just to review a payment application with caused me adverse action. In this same time frame the lender or he could have accepted the partial payment from me, and the remainder Georgia state funds to be recieved and would have sastisfied the loan delinquency. Furthermore XXXX XXXX has now has rejected an another reconsideration for payment plan under the same income sources that qualified me the first time but this time pulled my credit and issued a denial payment plan. This seem unethical and discriminatory. I had valid sources of current income but they used bias information from credit pull to determine worthiness of entering a payment rather than income sources to validate me saving my home with proven income. Furthermore thier letter states that " you can not stay in the home nor leave the home to avoid foreclosure ''. The severe limitations are unethical and can not be fair practices in mortgage lending in exercising owners right to save thier home and submit payments. 

My loan originated as a XXXX XXXXXXXX XXXX XXXXXXXX, and I was initially assured of forbearance options. However, after approximately 60 days of waiting for a response, I learned from Supreme Lending that my loan had been bought by them as a private investor, disqualifying me from those forbearance options. I was unaware of this change in servicing. My loan orginated as a renovation loan to build. Given this practice of removing my rights to the original loan format and program of XXXX XXXXXXXX XXXX XXXX XXXXn also seems with malicious intent. 

I believe my rights have been violated. The proposed payment plan is predatory, requiring an increase of nearly {$3000.00} per month with only a three-month window to cure the default, demonstrating no genuine intent to resolve and workout options but to steer homeowners into foreclosure with extornate arrangements not considering other factors. Most concerning, on XX/XX/XXXX, I received a foreclosure notice demanding full payment of the balance while the lender continues to reject my federal and state funding options. 

I feel that XXXX XXXX 's conduct has been discriminatory, lacking adherence to ethical mortgage lending practices. The lender has blocked my online access and refused to accept ongoing payments, imposing unnecessary fees during a cooperative state program. 

I humbly request your assistance in addressing this situation urgently to save my home and exercise ethical payment rights and receive state funding. I wish to resolve my loan and properly apply the state funding, yet I find myself hindered by the actions of an unethical representative in a potentially predatory lending structure. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed. 

XXXX XXXX

Company response to consumer: Closed with explanation