Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Neighborhood Capital Funding, Inc.
State: MI

Complaint narrative:
XXXX I was selected for a XXXX XXXX XXXX XXXX after much prayer and hope. 

XXXX I put in XXXX hours of " sweat equity '' on my home and other XXXX XXXX  that were being built. I went through credit classes, learned new skills, saved money every month to be put towards a savings account, made SO many new friendships, advocated for XXXXXXXX XXXX XXXXXXXX and publicly spoke at most of their donor events upon their request. I FINALLY believed in XXXX again! Everything felt so genuine, real and brought the community together. 

XXXX I had went through many challenging " life '' situations and I was doing my best to take care of my XXXX children, pay the bills, maintain the house, keep a career, etc. In XXXX, I was awarded a grant from the MSHDA/MIHAF program for {$8200.00} towards my mortgage. My mortgage company that is affiliated with XXXXXXXX XXXX XXXXXXXX only applied {$2600.00} and every representative I spoke with is not able to tell me where the rest of the money went?! 

XXXX XXXX I get a foreclosure letter on my door stating that they are putting my house in the auction at XXXX XXXX XXXX unless I come up with {$7500.00}!! I have contacted a HUD counselor, legal aid, filled out a loss mitigation application with my mortgage lender, contacted every board member at XXXXXXXX XXXX XXXX XXXX  XXXX ( even sat down with XXXX the financial director to have a meeting ) and all they could say was, " well .. try to sell the house in one week otherwise it is going to auction ''. 

XX/XX/XXXX, XXXX Affiliate Mortgage Services finally got back to me and stated I was not approved for the Loss Mitigation Application due to my debt to income ratio. My house was scheduled for the foreclosure auction at XXXX XXXX XXXX for XX/XX/XXXX. Like I stated previously, I have contacted EVERY resource possible and did my due diligence in sending in all requested documents. My HUD counselor ( XXXX XXXX ) through XXXX XXXX XXXX stated she could not figure out why Affiliate Mortgage Services would send ANY money back to the MIHAF program and also could not understand the payments between my mortgage borrower and MSHDA/MIHAF program. XXXX XXXX was the legal aid lawyer that I spoke with and met in person to bring all my documentation. He also could not understand where the rest of the money went that the MIHAF program sent Affiliate Mortgage Services. He advised me to fill out a complaint and summons to the XXXX XXXX XXXX XXXX stating that I had a commitment from XXXX to pay {$8200.00} and the payment was not applied which violated their contract with me and other legal rights. 

XX/XX/XXXX, XXXX The day before the sheriff sale ( XX/XX/XXXX ), I called the Sheriff that handles the auctions ( XXXX XXXX and he stated that my home was not on the list for the foreclosure auction that week. The morning of XXXX, I received a call from a real estate agent stating that my property was sent back to XXXXXXXX XXXX XXXXXXXX as no one bid on it and I had a 6 month redemption period so pretty much 3 months to sell as real estate transactions can linger.

I am SO disappointed in our justice system, our community help, loyalty, friendship, HUMANITY, Non-profit businesses that don't actually look out for one another. I could go on and on .. I feel helpless, hopeless, frustrated, sad and angry.

Before I file a complaint and summons to the XXXX XXXX XXXX, I wanted to reach out to you first. 

I look forward to hearing back, thank you! 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation