Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Mortgage Forebearance XXXX XXXX XXXX XXXX AM ( 27 minutes ago ) to info I recently applied for and received a forbearance under the CARES act from my mortgage servicer, XXXX XXXX XXXX. At that time the representative from XXXX told me that at the end of the forbearance, I would resume making my mortgage payment as usual and that the missed payments would be added to the backside of the loan, meaning that my loan period would be extended by the three month forbearance, that I would not be required to pay back those three mortgage payments immediately after the forbearance expires. I specifically asked this question because if that were the case, I would decline to take a forbearance since I was completely aware that I would be unable to come up with the three months of mortgage at the end of the three month forbearance I have taken forbearance on my student loans in the past and at the end of the forbearance I was not required to make up all those payments immediately at the end of the forbearance, Those missed loan payments were made up at the end of the loan. Therefore, I assumed that a forbearance worked in that manner. 

One month into the forbearance my loan was transferred to another mortgage servicer, Carrington Loan Management. I contacted XXXX specifically to make sure that my forbearance would be transferred as well and that the terms would remain the same. I was assured that they would since the CARES Act is a federal program, not lender specific. 

I contacted Carrington to ensure that all of the preceding conditions still applied because my first mortgage statement showed that I was two months behind on my mortgage and that the situation was about to escalate and that I was in danger of foreclosure. Having been in foreclosure 2 years before and having to get a loan modification in order to remain in my home, I was obviously jpanicking. The individual from Carrington said that I did not understand how a forbearance worked and that at the end of the forbearance, I would be required to pay back all of the missed payments immediately.Frank from Carrington told me that what I understood to be a forbearance was actually a loan modification not a forbearance. I told him that I had already had a loan modification two years prior and asked if I would be ineligible for a loan modification because of my previous one. He said I could possibly be deemed ineligible for that reason.

So my question is, was I correct about the forbearance or was he? Being unable to come up with three months ' mortgage at the end of the forbearance what measures, if any, would I have to take to keep my home? Will I need an attorney to defend me against this mortgage servicer, especially when I was assured by my previous servicer, XXXX, about the terms of the forbearance which persuaded me to take it? 

If possible, would you reply to my personal email, XXXX? If you are unable you still can reply to this email which is my work email. You also can contact me at my mobile work number which is listed below or my personal cell number, ( XXXX ) XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( fax ) XXXX ( cell ) XXXX XXXX

Company response to consumer: Closed with explanation