Consumer complaint received 2026-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAND HOME FINANCIAL SERVICES
State: IA

Complaint narrative:
This complaint is regarding the Loss Mitigation program that is connected to LHFS ( Land Home Financial Services ). I have had a mortgage with them for almost 6 years and never had a late payment. Last year my wife was diagnosed with XXXX. She had two previous unrelated surgeries prior to the XXXX, and then the XXXX required XXXX in XXXX. I applied to the Loss Mitigation of XXXX and after a number of contradictory phone calls and letters was approved for a program to reduce our monthly payment for 3 years, using a tool that would add it back at the end of the loan. I was told in XXXX, XXXX, to continue making my monthly payments for 3 months, and the reduction would begin in XX/XX/XXXX. I made my payments but, in XXXX, the payments were the same and I was told that I broke the agreement by paying too much during the 3 months- that I was to pay and smaller amount. After appeal, it came out that there were supposed to have sent a letter explaining this, but the letter was never sent ( this is what they told me ). So I was told in XX/XX/XXXX that I had to reapply. The next month I contacted them and was told that I had been granted a forbearance- I had never asked for a forbearance- and that it would help me catch up my missing payments ( I had no missing payments at all ), but at the end I would have to pay all of the payments. I told them that I did NOT want a forbearance, that I wanted the plan that they had given me in XXXX, XXXX, and then taken away because my payments were more than the required amount. I was told to wait until the forbearance was up, and then they would see if they could do that. I waited until XXXX, and then was told that I would have to call back but it would be a good idea if I didn't make my XXXX payment to get the original plan approved again. I missed the XXXX payment under their direction ( the ONLY payment that I ever missed!! ). Today I received a letter from them that they had rejected all options, except my option to sell the property while it " is in pre-foreclosure. '' I have spent from XX/XX/XXXX to XX/XX/XXXX to get some sort of hardship assistance due to my wife 's XXXX, and I have been continually told contradictory things and received no assistance of any kind whatsoever- none- except for threatening letters and very, very lengthy phone calls where I have to start over every time. I do not know if the Loss Mitigation people are the same as XXXX or a third party, but the incompetence and incorrect communication is staggering. At this point I am just going to make the missed XX/XX/XXXX payment ( only missed payment ever ) and take some money out of my retirement to try and deal with our hardship, but I am ready to be done with this Loss Mitigation organization and have my file returned to LHFS ( Land Home Financial Services ). If it is a third party, I would like for LHFS to understand the experience that I have endured for the last 8 months from simply enquiring about hardship assistance due to a major health issue.

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