Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
XX/XX/XXXX We submitted the complete short sale package, including the Third-Party Authorization allowing me to communicate with the servicer on your behalf. 

XX/XX/XXXX The servicer states they received the XXXX XXXX on this date, despite the original submission occurring on XX/XX/XXXX. 

XX/XX/XXXX The servicer reviewed the packet and issued a missing document notice requesting additional information. 

XX/XX/XXXX Additional documentation was submitted ; however, the servicer indicated the packet was still incomplete and issued another request. 

XX/XX/XXXX After you called for a status update, we were informed that additional documents were required and that the Third-Party Authorization needed to be resubmitted.

This was the first time we were made aware that the previously submitted authorization was no longer being honored. 

XX/XX/XXXX The servicer confirmed receipt of the remaining documentation and deemed the XXXX XXXX complete.

An appraisal was ordered the same day. 

XX/XX/XXXX The servicer received an email from XXXX stating that I was unresponsive. However, no phone calls, voicemails, or emails from XXXX were received by me prior to this notice. This is the first time I am hearing this. 

XX/XX/XXXX A property inspection was completed, reflecting the home was secured with no door damage and no standing water observed. 

XX/XX/XXXX The servicers system indicates the property was secured as vacant. 

XX/XX/XXXX I personally visited the property and observed damage to the door frame caused by a third-party vendor hired by the servicer attempting to gain access. The original door knob was placed on the kitchen counter. 
This initially appeared to be a break-in which is why I called 911 to report a break itn. It wasn't until I entered the property that it was determined the damage was caused by the servicers vendor. 

XX/XX/XXXX ( Appraisal Attempt ) No one reached out to me to schedule an appraisal. I would have given them instructions on how to open the XXXX XXXX. Appraisers in our market typically know how to access it. I would not have had any information on the loan servicers lockbox. 

XX/XX/XXXX A servicer representative contacted me regarding the missing key. I let her know that I do not know where her keys would be I advised that my XXXX XXXX was placed on the storm door in XXXX when I originally listed the property. I informed them that no barricade had been installed by us and I think they were mistaking it for the storm door. 

XX/XX/XXXX I contacted the servicer again requesting a status update and were advised there were no updates on the short sale. 


XX/XX/XXXX The appraiser contacted me directly for access.

I explained the proper process for scheduling access and advised that keys were available via the blue XXXX lockbox on the front storm door. 


XX/XX/XXXX We were told servicer issued a short sale denial, citing insufficient time due to the foreclosure date being less than 45 days away and the absence of an approved offer. This was the first notification we received indicating the short sale had been denied. 

XX/XX/XXXX I contacted the servicer seeking clarification and requested to speak with a supervisor.

I was advised that no call-back requests had been completed despite prior notes.

The servicer acknowledged receipt of a HUD complaint and indicated it was under review by a team lead.

We were advised that any further updates would require the borrower to email the short sale department directly. 

As of XX/XX/XXXX No further communication, call backs, or updates have been provided by the servicer. 

Summary of What Was Implied Based on the documented timeline and communications : The servicer did not acknowledge the original XX/XX/XXXX submission date, which contributed to delays. 
Requests for callbacks and clarification were documented but not fulfilled.

Inconsistent information was provided regarding document completeness and third-party authorization.

Property access issues were caused by servicer-appointed vendors, not by the listing side.

The foreclosure timeline continued to advance while the short sale review was still pending. 
The short sale denial was issued without prior warning that timing had become a critical issue.

Offers were received but I could not submit them because we were pending an approved short sale value.

Company response to consumer: Closed with explanation