Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAND HOME FINANCIAL SERVICES
State: TX

Complaint narrative:
I may be a victim of PREDATORY LENDING! I went through XXXX  XXXX and LandHome Financial to become a homeowner. This may have been the WORSE mistake of my life. My name was never on the deed, I put down nearly $ XXXX and my mortgage ( lease to own ) payment was more than {$3900.00} per month. So, when my husband became critically ill and we both lost employment and our financial income it was devastating. I never planned for this, and I can't get anywhere with the company. I feel as if any day now they are going to take my home, and we will be on XXXX XXXX. The longer the matter drags on, the more severe the predicament I find myself in today. I feel as though they are waiting for the clock to run out so they don't have to help me. Adding additional fees and penalties to an already excessive payment. 

I have received adverse reports to my credit for the past 11 months as they relates to a medical and financial hardship. I have consistently made requests for mortgage assistance. 

I have emailed and called XXXX and LandHome Financial as well as its subsidiaries for over 12 months. 
I have emailed each of the addresses for the company including ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have placed calls to XXXX, XXXX, and XXXX. 

My follow up on my request for hardship deferral and modification assistance have simply not been addressed. Despite numerous attempts to reach out via email and phone, I have not received any responses or updates regarding the status of my application/request. Meanwhile my credit has taken a hard hit and will prevent me from obtaining any type of loan or housing should I be foreclosed upon during this process of waiting for assistance. 

I have enlisted the assistance of HUD in this matter, but unfortunately, they have also encountered communication challenges in their efforts to advocate on my behalf. We were able to speak with a representative a few times, however he did not provide much direction either. The various contact numbers and email addresses provided have proven to be unresponsive, and my case remains in a perpetual state of review without any indication of progress. 

During my most recent call today, XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I spoke with XXXX from LandHome Financial Services at XXXX. I was informed that my documentation and Request for Mortgage Assistance ( XXXX  ) were received and forwarded for review on XX/XX/XXXX. However, as of today, my request is still under review. I have made requests since XXXX of XXXX. 

I am making every possible effort to prevent the foreclosure of my property. It is imperative that I receive some form of direction, assistance, or relief to address this matter promptly. Even a preliminary option or update would provide much-needed clarity and allow me to move forward. I have requested the past due balance be moved to the end of the loan and my excessive payment of over {$4000.00} per month be reviewed and reduced, while I recover from these devastating life events that have occurred. I need HELP! This company was supposed to help me with the XXXX  dream of home ownership, now this has become my worst nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation