Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/XXXX : XXXXAmeriHome ( servicer ) sent me a Loan Modification Agreement that was to be signed to close out the Loan Modification process that I had started back in XXXX & been paying on as agreed since XXXX. The letter stated I was to execute the documents in the presence of a notary and return within 5 business days of receipt of this package, but no later than 14 days. 
XX/XX/XXXX : I called Servicer requesting they email me the documentation as I was in XXXX, which I had notified them of 3 weeks prior before I left when they told me the paperwork would be coming. They did email it right away. 
XX/XX/XXXX : after reviewing the documents, I had questions prior to signing. I emailed and received no response by XXXX, so I proceeded with signing hoping that I understood the terms. 
XXXX : I utilized a remote notary to electronically sign the documents as I was still in XXXX. 
XXXX : Documents were printed and sent to XXXX in XXXX via XXXX by my son in XXXX Texas. 
XX/XX/XXXX : Called Servicer after receiving numerous voice messages over the week with not indication as to why they were calling. Servicer stated my account was delinquent and that they hadnt received my signed contract back. I insisted tracking records showed that they had received it. She then confirmed they did receive it before the deadline, it would take up to 30 days to review, and I may receive calls about being delinquent which I should ignore. She also confirmed that all payments have been received as agreed, payments are current, and the next payment due is XX/XX/XXXX. ( XXXX recorded ) XX/XX/XXXX : Called Servicer after again receiving daily calls for a week with voice messages telling me to call, but no reason why. My call was routed to the collections dept after entering my account info. During the one hour call ( recorded ), I was routed thru two other departments ending in the Loss Mitigation. All of them told me that my Loan Modification was rejected because it did not have a wet signature, but none of them could tell me where that requirement was stated in the document including the page dedicated to signing instructions. The last Loss Mitigation person, XXXX, said she needed to get me to a supervisor. After waiting on hold a few minutes she stated the supervisor was busy and would call me back. 
XX/XX/XXXX : 24 hours had passed with no call back from Servicer so I called back. In a complete repeat of the day before I spent over an hour on the call ( recorded ) being passed thru the same channels. Again, no answer as to where it states a wet signature was required until I got to XXXX in the loss mitigation. Important to note that XXXX in Collections stated that I would not receive a callback from Loss Mitigation unless I provided them with application information regarding my current income and expenses. When asked what that had to do with my current situation she did not have an answer other than she has to do it and if I do not give her that information I will not get a return call from the Loss Mitigation Dept. 

Outcome of the last call with XXXX : On the last part of the call she was putting me on hold to discuss with her manager to get an answer to where the wet signature requirement was in the document. Her final stance was that they would not accept the agreement, they could not allow for resigning of the agreement, and I would have to reapply for a new loan modification. She came back with three defences. 

1. She first referred to the Texas Loan Agreement Notice ( pdf page 15 ) that states This written loan agreement represents the final agreement between the parties and may not be contradicted by evidence of prior, contemporaneous, or subsequent oral agreements of the parties. Her first logic was that it says written which implies wet signature ; which I pointed out that would mean that the entire agreement would have to be hand written. 
2. She then went to the signing instructions line ( 12 ) that refers to witness signatures. She started with, this doesnt apply to you, but Nothing in that line indicates a wet signature required, but I pointed out that it was irrelevant since I am not the witness nor was one required in this case so the entire line is irrelevant.

3. She then stated that it is an FHA requirement to have a wet signature. When I asked her what or where that requirement was or if should would send it to me should refused to answer. I then pointed back to her statement in item # 1 which makes any contemporaneous agreement not applicable if not included in this document.

Servicer also said that they did not attempt to remedy the signature issue because they received the document too late to be able to resolve within the original 15 calendar day timeline given. Servicer verified that the document was received on XXXX but was not rejected until XX/XX/XXXX, yet just stated that it was expected that I received, review, notarize, return, they review and return for correction if necessary the documents within 15 calendar days.

Additionally, the payments that I have been making during the trial modification period have not be applied. Somehow Ive gone from being one payment late ( less than {$4000.00} ) to now owing over {$11000.00}.

Transcripts or call recordings available if requested.

Company response to consumer: Closed with explanation