Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   & PHH Mortgage Services Center Loan #  XXXX  My name is   XXXX   XXXX   XXXX   My problem is : I was never told about principles reduction as for foreclosure alternatives and I was improperly denied for loan modifications help from mortgagor. Who continue to deny me for income and never provide me with reasoning? Although I sent documentation showing increase the mortgagor gave misleading reasons for denying loan modifications. I am concern about losing my home to foreclosure. I expected help during the time my account was in good standing and I still was denied. I contacted HUD approval financial specialist to assist. During processes they contact the mortgagor. <P/>   XXXX   XXXX   XXXX    XXXX     XX/XX/XXXX -   XXXX   XXXX   -   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  -   XXXX   XXXX   XXXX   XXXX   was my first Housing Specialist, who secure me that everything would be token care to avoid foreclosure. I requested for a principal reduction.  XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   who said he would try to help me get the product I wanted XX/XX/XXXX -   XXXX   XXXX   Has been the new specialist been trying to help but no help from the mortgagor. Only another denied   XXXX   XXXX   Please explain to me how, do   XXXX   XXXX   comes up with the numbers to decline me, I am requesting to understand how do you get decline with no break down to why you decline. <P/> The mortgagor picks and chose what they want to   focus on far as really helping me.
The say student loan is one of the reason, why I cant afford the home, Its hard to believe, when I been living in my home for ( 15 ) years. My student loans are in deferment. So how do a mortgage company uses my Student loans as reason for not approve me. What a low blow. How do my student loans that are in deferment, be accountant for my affordability to live in home that was proven by government to be a part of predatory lending. I receive a modification do to a Mortgage industry that was fallen. Had I received the Truth in Lending and had not had a 2nd lien place on a first time loan? Maybe I could afford to pay for me and my child college education and loans wouldnt be our issue. But instead you chose make student loans the primary reason for denying me. When my income was up you still denied me from helping.
I applied for saving the dream program to help me make my home more afford within the purchase prices. I ask for the truth in lending from Mortgage   XXXX   XXXX   to help me with principal reduction. The principal reductions program that is offered from the government to help those who continue to struggle with mortgage and facing foreclosure is what I am asking for to help me.
<P/>
 XXXX  I made {$10.00} an hour and I was approved for a house  XXXX , that the mortgage offered me a second lien on property for   XXXX    that state making it affordable for single women with children. Bring the home to  XXXX  with a lien place on the home, at time it made since, I was first time home buyer from a family that never own a home.   XXXX   XXXX   made a way to approve at a low starting point in my life.
The house was present as well kept, but little did I know that the house was foundation was built in  XXXX .
<P/>
I have been seeking help since   XXXX   XXXX  . Starting with   XXXX   XXXX   XXXX   and ending with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    . I was denied for help. They say it was because of Income. Over the term my payroll had increase ( 3 ) times.
Why it is that   XXXX   XXXX   keep denying me due to income when I have shown?
Why chose to use me and son student loan as debt, when there are in deferment?
How do my student loans that are in deferment, be accountant for my affordability?
a. I should with in  XX/XX/XXXX  increase in pay from {$14.00} -   XXXX   XXXX   Attach is a couple of copies showing pay increase Application how the mortgage company approving a loan, when I was at a low point.
Paperwork I signed Second mortgage that went to   XXXX   XXXX   XXXX   XXXX   to give me a lower amount.
Picture of the foundation home foundation de I have been preparing to avoid foreclosure. Just want Help.

Company response to consumer: Closed with explanation