Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA

Complaint narrative:
XXXX XXXX Requesting urgent help on my Loss Mitigation pkg at Cardinal Financial. very Simply put wife snd I were semi retired with good income which was lost when Covid hit we both were furloughed from salaries in a perfect storm. Cardinal financial offered us a forbear program due to Covid hardship an save our lives which we think them. XXXX XXXX car dealer let me no inventory to market til 2023. Forbearance went thru XXXX XXXX 2023 at which time we asked to start making payments snd because of my being a veteran I was was being offered a loan Modification. That loan modification started XXXX ist and has been going on since to this date. That process is to reply to all requests ( info ) to mark my pkg complete and To send to veterans underwriting to choose modification and sign docs .. the request is to reach out and escalate getting pkg COMPLETE and sending to vs underwriting before XX/XX/XXXX The need of urgency is because for whatever reason we were served Forclosure papers XX/XX/XXXX? Which had a sales date marked XX/XX/XXXX both Cardinal mitigation and their foreclosure drpt said their was no. Sales date!?? Loss mitigation asked me to call their foreclosure Dept as ask for a postponement of sales date in order to get pkg complete and have time to get loan pkg to Me to sign that they couldnt do by XX/XX/XXXX. Ever time we think we are think we are complete they ask for something new or items we have sent them 3-5 times before. Impossible to talk to one person to finish always someone new. Good people but Im in. cOVID Vetersns uncharted waters. The foreclosure process should never happened as I ve been in loss Mitigation since XX/XX/XXXX / dont know if foreclosure knew that. The foreclosure has put undue stress on my Wife and my Marriage in our Golden Year but we ll have that coming after we solve this problem with my mortgage.. the loan modification will help us financially but I ll take the Veterans reinstatement option and work out a negotiated repayment and cash / or worst situation borrow the negotiated forbearance at today high rates and term but we cant move again at our age.! Check on loss mitigation protection from foreclosure Perhsos should never had happened. Or if we could have talked to someone when we offered over and over to resume paying out mortgage and to pay our escrow as well.. No offering or no reaching out on this loss mitigation process. I know they work hard and appreciate loss mitigation but I cant go beyond this month.. Need someone to reach out if not completed I ll choose the higher final option.. XXXX XXXX us Veterans Adm. is my representative shes been in all info sent and cant believe they havent completed yet. Paragraph XXXX XX/XX/2023 clearly stated to me that as long as were in loss mitigation that foreclosure that they would not proceed with the foreclosure process.. in writing? My request is to perhaps have them stop or postpone foreclosure as it appears in error and bring a veteran I will work a deal to repay a negotiated repay and immediately resume my Payments.. And worst case borrower s negotiated amt at todays rates snd terms, pay my Mortgage and refi when rates come down .. My home is worth more that the mortgage and the help on the Forbearance Thanking you in advance as well as the help Cardinalfinancial gave us during Covid. And those trying to help us in Loss Mitgation all have been helpful but need the complete pkg to escalate and go to Veterans Underwriter. Cc XXXX XXXX XXXX XXXX XXXX ext XXXX Have contracted Congressman XXXX XXXX / XXXX XXXX XXXX US Senator.. very simply my wife who was operated on in XXXX and had several medical conditions absolutely melted down with nervous condition when served foreclosure papers and fights every day getting docs to complete and sending them over and over again, as of this date nothing new added and they should be a to complete to send to Veterans underwriting.

Company response to consumer: Closed with explanation