Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WestGen Lending, a DBA of Beckam Funding
State: SC

Complaint narrative:
I moved into my new home XXXX ( XXXX ) months prior to Hurricane Helene destroying our city, ( XXXX Sc . ) & the president declaring it a natural disaster. I was given a XXXX Forebearance from XXXX & due to a medical hardship that started XXXX the XXXX Forebearance was reviewed & extended XXXX. I was told during those time frames NO MORTGAGE payments were required. The XXXX Forebearance expired XXXX XXXX I was advised by GENWAY mortgage collections all deferred payments were due. I applied for mortgage assistance ( XXXX XXXX ) XXXX. I was NEVER advised by Loss Mitigation nor Resolution dept. I was ineligible due to FHA policy/guidelines ( XXXX ) consecutive mortgage payments are to be made to meet qualifications for loan modification. Instead I was approved XXXX, however due to ( XXXX ) document not being notarized it was voided. XX/XX/XXXX, per ( XXXXXXXX XXXX ) Genway mortgage advisers I resubmitted ( XXXX time ) my application for mortgage assistance and again I was told during the modification review I didnt make payments. From XXXX, I awaited response. I was assured a reissue of trial plan & loan modification agreement.I was told the loan was in underwriting Genway Mortgage was back logged due to government shutdown & increased cases. XXXX I received an email from Genway -XXXX XXXX purposing a XXXX XXXX ( XXXX ) months XXXX XXXX modified payment ( {$2100.00} vs. {$2300.00} ) where to be followed by modification review. The email stated I had until XX/XX/XXXX to accept or deny. I called Genway mortgage loss mitigation to accept offer I was told to make a payment to accept the offer I submitted a {$500.00} good faith payment and stated I would call back XX/XX/XXXX to pay {$1700.00} bringing the total to {$2200.00}. I called XX/XX/XXXX was told the offer was retracted and the account was to be brought current asap ALL PAYMENTS ARREARS ARE CURRENT $ XXXX. I was NEVER ADVISED by XXXXXXXX XXXX or Genway mortgage of an FHA rule of ( XXXX ) months of payments. I was NEVER told to continue making payments during the XXXX Forebearance or the Modification review. As of XXXX & XXXX XXXX XXXX ( XXXXXXXX XXXX ) / Genway have refused to take mortgage payments even though Ive offered to pay full monthly amount. {$2300.00}. Instead, Ive been advised to do a preforeclosure sale or a deed-in-lieu on my home. My co-signer is XXXX, we were hurricane victims & my minor child was the medical emergency ( XXXX XXXX in XXXX XXXX XXXX  from ( XXXX ) required surger, current taking prescribed medications. 
I WAS NEVER TOLD /ADVISED BY XXXX XXXX or GENWAY MORTGAGE of any FHA XXXX. Instead I was offered a XXXX XXXX twice and both times they retracted the offer inspite of me agreeing both times to their XXXX XXXX. Now the mortgage is as of today XX/XX/XXXX {$40000.00} in the arrears and over 120 days late because I was told NOT TO PAY & I was protected while under mortgage review. I am possibly having to leave my home, we are afraid of BEING HOMELESS, its hard trying to acquire a new lease with this on my credit report. Please investigate this company and dont ALLOW this to happen to anyone else and their child.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation