Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I previously applied for Mortgage Assistance/Loss Mitigation to be able to resume my loan once the forbearance ended. 
I was approved a XXXX XXXX pending the completion of XXXX trial payments and receipt of the notarization of the loan modification agreement. 
After I completed the XXXX trial payments for XXXX, XXXX and XXXX of XXXX I was told that the Loan Modification agreement would be sent to me via XXXX. 
The loan packet that was due XX/XX/XXXX but it was delivered to my downstairs neighbor which I then received late from her. 
I called AmeriHome immediately in XX/XX/XXXX to ask to make a payment and to tell them that the packet was received by my neighbor and not me, but I was told that I would have to reapply and could not make a payment until the application was reapproved. 
I reapplied and submitted all requested information in a timely manner. 
AmeriHome did not complete my application until XX/XX/XXXX and this time around I they denied me for the following reasons : The hardship provided did not meet the program requirements, Your Hardship duration is long term or permanent, Your account is greater than the maximum number of months past due and The principal and interest portion of your payment is already less than the proposed modified principal and interest payment. 
I called AmeriHome and was told that my only option was to call the attorney and pay the reinstatement amount of over {$40000.00}. Before the sale date of XX/XX/XXXX. 
My hardship has resolved and I am very capable of resuming my loan even if modified at a higher rate. 
AmeriHome having received the packet late was out of my control and I remained in communication with them as their records must show. They should honor my trail payments and application and allow me to resume my loan or modify a new loan. 
And, if not possible then they should allow me time to sell the home that holds equity so that I can pay the loan off in full and not foreclose. 
On XX/XX/XXXX I submitted a request asking that they allow me to apply for a traditional modification if I can not qualify for the flex modification or for whatever foreclosure prevention programs available. I also asked to appeal their denial based on the facts that I was already approved. 
My hardship originated from XXXX as it caused financial burdens on me and my family who were faced with illness and loss of work. 
My financial hardship has since been resolved as I have been employed full time with an annual salary that is sufficient to support the loan. 
PLEASE stop the sale of my home scheduled on XX/XX/XXXX and help me retain my home that I can afford at this time and will resume payment with no further delay. 
It is unjust to lose my home and equity to foreclosure when I have the ability to resume my loan and was already approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation