Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
I, XXXX, was Quit Claim onto title XXXX XXXX XXXX XXXX, XXXX, recorded XX/XX/XXXX, tenants in common with right of survivorship. The XXXX on mortgage is XXXX. XXXX died XX/XX/XXXX XXXX complications. XXXX  used the online resource and requested 12 month forbearance XX/XX/XXXX loan was current. This allowed time to receive the Certified Death Certificate and other documents. During this time, AmeriHome, the mortgage holder it's various departments refused to talk with XXXX  about any details of the loan stating specifically this would not happen because XXXX  was not on the mortgage. XXXX  stated I am already on title for a year and inherited the mortgage. XXXX is also XXXX 's Trustee so they insisted XXXX provide the Trust documents to XXXX. XXXX  mailed, faxed and emailed the Trust documents more than XXXX, including Death Cert, obituary, XXXX XXXX and XXXX XXXX and XXXX  also got XXXX  involved. This went on throughout the 12 month forbearance. XXXX 's ongoing incompetence to approve XXXX  as the Successor In Interest was so stressful, cost XXXX the final approval of XXXX XXXX XXXX XXXX of {$40000.00} that would have paid the mortgage company all of the forbearance accrued amount, XXXX  was requesting FLEX MODIFICATION of changing only the fixed XXXX yr term to a XXXX term, to reduce payments while still recovering from the loss of XXXX significant income and roll in the very small amount ( if any caused by their delays ) that XXXX have remained after receiving the XXXX. However, they set a Foreclosure date for the first time in early XX/XX/XXXX. They finally confirmed XXXX  as SII around XX/XX/XXXX in a letter that was mailed and took XXXX full weeks for them to process and go through standard XXXX mail to XXXX. No email, no call, only because XXXX  was calling the XXXX/AmeriHome foreclosure attorney, XXXX XXXX. and XXXX XXXX XXXX. everyday did XXXX  find out they had postponed the foreclosure. Since then XXXX  has re-initiated their Mortgage Assistance Application almost XXXX, had foreclosure date set many times, provided them with pdf of the LAWS they have broken at XXXX and XXXX levels all listed in CFPB regarding " XXXX '' and " Ability To Repay '' LAWS. They continually request documents to prove XXXX  income, to allow XXXX  credit be pulled, list assets, etc. This fight to keep our ( XXXX  ) home has caused an unbearable level of stress : my health, my life, and home have all suffered. I ( XXXX  ) have had to accept their lender imposed homeowner 's insurance instead of having a my own policy that also covers XXXX  personal property etc. because every homeowner 's insurance company I talk to is so confused by the chaos AmeriHome has caused. The ongoing incompetence has meant that I refuse to put any money into mortgage payments or the home until this is resolved. Currently, they have run up the past due amount and want a payment of almost {$140000.00}!!! The current foreclosure date set is XX/XX/XXXX. I demand that it cancelled. Additionally, they ignore the fact that XXXX  was already on XXXX and all of their attempts to foreclose have been illegal procedure. I wonder how many people have lost their homes because XXXX XXXX XXXX are breaking the LAWS regarding Successors In Interest and Ability To Repay requirements that do not apply to Successors In Interest? I am filing my complaint with every XXXX and XXXX agency that I can think of, XXXX on my list so far.

Company response to consumer: Closed with explanation