Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
-XXXX of XXXX myself, XXXX XXXX , and my wife, XXXX XXXX purchased a house in XXXX , XXXX with a 30 year loan from Homebridge . 

-XXXX  to XXXX of XXXX both my wife and I totaled our vehicles due to the snow, lost our jobs and I sustained a medical injury while in XXXX XXXX. We decided to move and continue to meet payments on the house in XXXX. XXXX, XXXX we moved to XXXX, XXXX  with a friend and secured new jobs prior to move. 

-XX/XX/XXXX we maintained our mortgage payments, but we started talking with Homebridge about short sale and Deed in Lieu options. Homebridge recommended, because of the circumstances, that we are good candidates for a Deed in Lieu ( DIL ) of foreclosure and to submit a loss mitigation process. It is important to note that they suggested the DIL package and advised that we will be back dated on the missed payments to only show 90 days or 3 months missed payments from time of submittal if approved. Sounding like a solid plan we stop paying the mortgage and submit a DIL package XX/XX/XXXX. 

- XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) requested a reinvestigation for my XXXX XXXX as a full foreclosure can lead to a revocation of clearance. My wife and I inquire to Homebridge with calls and emails with no updates. 
-XX/XX/XXXX we were informed that the DIL had been approved! I flew back from XXXX and signed the DIL on XX/XX/XXXX. I submitted the paperwork to my XXXX and was cleared for full XXXX XXXX XX/XX/XXXX. 

-XX/XX/XXXX My wife and I begin calling Homebridge daily. They stated that they lost our paperwork in the midst of a company restructure. XXXX was now our loan holder. Homebridge and XXXX both had no idea about our loan status. We plead with them that we were long approved for DIL and they did not want paperwork or ever call us back. To date we have never received a phone call from them. During this time we continued to receive missed payments and discovered it was doubled. XXXX and Homebridge has a mortgage each in our names with missed payments from XX/XX/XXXX. 

-XX/XX/XXXX my XXXX requested a re-investigation. With our dropping credit score I was once again in Jeopardy of losing my XXXX  and job. 

- XX/XX/XXXX at some point the credit was corrected with no information relayed to us why, when, how. XX/XX/XXXX I am fully reinstated for my secret clearance once again. 
With the credit corrected my wife and I began to look at homes to purchase which brings us to date XX/XX/XXXX. In the process XXXX XXXX XXXX discovered missed payments on the XXXX loan in XXXX. This is a discrepancy and needs to be corrected as we can not purchase a home if we are still being shown as owing the XXXX  house. It should be noted that I contacted the town of XXXX in XXXX  and they had the Deed listed as being owned by the bank in XX/XX/XXXX and not by us. 

-XX/XX/XXXX we have decided to purchase a home and through our escrow we were notified that there was still missed payments on the home we finalized a DIL with. We both reached out to HomeBridge/XXXX  and they could not provide us with any information, or were able to locate our file apon calling in. Since we were getting no where with the mortgage company we filed disputes with all three credit bureaus. We submitted everything we have submitted here and what they came up with was the home was out or our name as of XX/XX/XXXX and went back and corrected those dates on our reports. We have decided to reach out since the home was signed out of our name as of XX/XX/XXXX ( I have attached the document ). If the home was out of our name as of that date, and the town clerk of XXXX, XXXX  shows XX/XX/XXXX as the date of the deed going back into the banks name, why does our credit report show XX/XX/XXXX. 

We appreciate your help and any insight you can provide. 

XXXX and XXXX XXXX

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