Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
XXXX new American FUNDING Borrower Certification and Agreement I understand that I will be considered for al mortgage assistance options available to me. Icertify the following : information in this affidavit is true and accurate and the events identified are the reason that I/we need to request a modification of the terms of the mortgage, short sale, or deed in lieu of foreclosure. Knowingly submitting false information may violate Federal and other applicable law. 

I understand that fi I have intentionally defaulted on my existing mortgage, engaged in fraud, or misrepresented any facts in connection with this document, the Servicer may cancel any Agreement and may pursue foreclosure on my home and/or pursue any available legal remedies.

I Consent to the servicer or authorized third party obtaining a current credit report for the borrower and co-borrower.

I Consent to the disclosure by my servicer, authorized third party, * or any investor/guarantor of my mortgage loan ( s ), of any personal information collected during the mortgage assistance process and of any information about any relief I receive, to any third party that deals with my first lien or subordinate lien ( if applicable ) mortgage loans ), including any investor, insurer, guarantor, or servicer of my mortgage loan ( s ) or any companies that provide support services to them, for purposes permitted by applicable law. Personal information may include but is not limited to : ( a ) my name, address, telephone number, ( b ) my Social Security number, ( c ) my credit score. ( d ) my income, and ( e ) my payment history and information about my account balances and activity.

I agree that the terms of this borrower certification and agreement will apply to any modification trial period plan, repayment plan, or forbearance plan that Imay be offered based on this application. If
Ireceive an offer for a modification trial period plan or repayment plan, Iagree that my first timely payment under the plan will serve as acceptance of the plan. If my loan is insured by XXXX, acceptance of any offered plan is contingent on my signing and returning the plan agreement by the date specified in the ofer. For an XXXX loan , sending timely payments under the plan terms without submission of the signed documents does not result in acceptance of the offered plan. 
I consent to being contacted concerning this application for mortgage assistance at any telephone number, including mobile telephone number, or email address I have provided to the lender, servicer, or authorized third party. * Non-Borrower Occupant ( FHA loans only ) - Iacknowledge if a loan modification is approved based on the evaluation of this application, Iwil be required to sign the Loan Modification Agreement and the loan modification agreement assuming liability of the loan under the new modified terms. 
If I, or someone on my behalf, has submitted a Fair Debt Collections Practices Act Cease and Desist notice to New American Funding, I withdraw that notice and understand that New American Funding must contact me throughout the mortgage assistance process. Iconsent to being contacted at any telephone number, including mobile telephone number, or email address I have provided to New American Funding. 
I agree to provide my servicer with all required documents, including any additional supporting documentation as requested, and will respond in a timely manner to all servicer or authorized third party* communications.

Iacknowledge and agree that my servicer is not obligated to offer me assistance based solely on the representations in this document or other documentation submitted in connection with my request.

If I'm eligible for an assistance option that requires an escrow account to pay property taxes and/or hazard insurance and my loan didn't have one, New American Funding may establish one to make tax and/or insurance payments on my behalf. 
An authorized third party may include, but is not limited to, a housing counseling agency, Housing Finance Agency ( HFA ) or other similar entity that is assisting me in obtaining a foreclosure prevention alternative. 
By signing this document, I/we certify. 
Why does New American Funding make me sign fraudulent affidavit to seize my home. How is this mortgage tender is in compliance with the law. I need criminal investigation and charges be brought and held accountable. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation