Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: TX

Complaint narrative:
Hi, AnnieMac Home Mortgage/XXXX XXXX During this process, someone asked me to file a complaint with this office ( CFPB ) but I was so afraid and was informed it was best not to do that if I wanted to keep my home because I already had missed payments over 120 days passed due on my default and I thought then yes I own this money and they can take my house away at any time. 

if I did I had the same consequences I do today - they will take my home away due to failing to pay my mortgage. My financial Hardship started to become a concern to me in XX/XX/XXXX after COVID-19 started I was one of many homeowners laid-off due to the pandemic. Grateful my lender granted me a Forbearance Plan to give me time to find employment. Forbearance was approved for the year which gave me enough time to change my circumstances. 
Two months after the Forbearance plan was approved I became very ill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had to be administered in a hospital facility and under a family doctor 's care. However, I started working in XX/XX/XXXX. 

I contacted my Lender/Services and was advised I was employed and wanted to start making payments to catch up on my default balance and also reinstate my monthly mortgage payments. However, I was informed I needed to pay the default balance first to start making payments. Given I just started to work I did not have money but I asked for a repayment plan or workout solution to allow me to bring my mortgage loan current. My lender stated I needed to apply for Loan Modification because of my default balance and my mortgage loan was already in Loss Mitigation Department. I was then asked to fill out a loan modification application package which was submitted on XXXX XXXX, XXXX. 

Since then, based on my Lender/Servicer submitted several Loan Mod applications, reached. My servicer also suggested applying for assistance which I did. Overall was Human Resources Dept in XXXX granted me over 8 mortgage payments in additional help with utilities and HOA. However, my lender won't disclose if and when the mortgage grant was applied- the servicer said since my loan is in default funds are in a suspense account and they wouldn't accept any payments until a work-out solution for mitigation was decisions. Encourage them to continue requesting assistance. 

I was concerned and reached out again to Rent Relief Programs, Homeowner Assistance Program, etc. Additionally, called for counseling from FHA, HOPE, and XXXX aside from However, my current default balance is over XXXX XXXX as of today and the foreclosure has started although I have not received any decisions or workout solutions from AnnieMac/XXXX XXXX 
XX/XX/XXXX - I received a call from Sale Team advising me to refinance and use my equity to payoff my delinquency after the Loan officer checked my loan account- he said " neverminded you can not apply for Refi because you need to bring your loan current first also no other bank can help you because we reported you a loan for 15 late payments and XXXX score is too low. 

XXXX The loan Office from XXXX Servicer called and suggested my only option at this time is to Short-Sale my house as an accommodation requested from Annie-Mac Lender and advise my , loan solutions representative at AnnieMac Home Mortgage/XXXX. Since I have a Loan Modification under review pending a decision, I asked if my modification was denied. He stated YES, and we moving on and taking legal action & foreclose my house if you don't short-sale or try to sell your house ''. 

I still waiting on a decision to assist. I've been waiting for a workout solution and although I can pay now afford my mortgage monthly payment of {$2500.00} a month I have also been informed the payments were increased to {$2800.00} a month without my awareness. Please see attached documents for additional information. 

XXXX

Company response to consumer: Closed with explanation