Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
My father, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran, passed away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX caused by XXXX XXXX and XXXX XXXX exposure in XXXX XXXX XXXX. He never made it home. He came home from XXXX but XXXX  XXXX years later from his service to our Country. Three years ago he purchased a home- I am now handling the Estate of XXXX XXXX XXXX and the sale of XXXX XXXX XXXX XXXX XXXX XXXXXXXX. When he XXXX, the mortgage was behind 5-6 months. I have no siblings, no mother. This is the only thing in his estate and he XXXX  without a will. I have since been named XXXX. I have been forced into a short sale of the property and have a buyer who has been an XXXX. 

A year after my dad bought the home Carrington Mortgage offered my dad a loan modification to lower his monthly payment which we found out just through title for this sale was actual a partial claim mortgage that added on {$120000.00} to his loan. I think he was taken advantage of - seeing now that Carrington has been found guilty of frauding consumers and has a victims fund established bc of these practices. The {$120000.00} has become the first lien on the home and must be paid in full. Carrington is owed {$380000.00} left on the home after this. Again, I believe my father was fleeced on the loan modification and would have NEVER agreed to go upside down into a property. 

The short sale application has been in but Carrington at the same time is trying to push through a XXXX. This will devastate me financially. I have a XXXX XXXX XXXX son I am solely responsible for and we are XXXX  greatly the XXXX  of the man who was a father to us both. 

An appraisal was ordered and despite my willingness to allow access to the property, an outdoor drive by appraisal was only completed. The house needs SIGNIFICANT REPAIRS. The roof has water damage showing, the pipes are leaking from the master bathroom into the basement, there is drywall missing, wires and gas lines are exposed in the basement cloning, water is flooding the laundry room when it rains, windows are broken, the front door doesnt open, appliances are broken, landscaping is a mess, fence needs to be replaced. The appraisal came back at the highest possible with comps in the area and our offer was rejected. I had to beg for weeks to get another appraisal ordered that is accurate and includes the full home including interior. In the meantime, my son is supposed to have started XXXX  school on a XXXX  in XXXX XXXX  XXXX weeks ago, but I can not get him there until this is finished. Every day this is delayed is a day my son is losing education, sports, emotional growth, healing, and a fresh start. 

I believe this appraisal was a fradulant attempt by Carrington and the VA to take advantage of my father in his death once again. There is no reason our offer should have been denied. A full appraisal was finally done yesterday XX/XX/XXXX. I am terrified that these agencies will cause harm financially to us that I will never be able to recover from. I need someone to protect my dad. He was already taken advantage of. He XXXX  for this Country. He raised me alone as a XXXX  father when my mom XXXX. He raised my son when his own father walked out. I need help to get this short sale approved so we can close this out and my son and I can move on and the Estate can close. Please help me. 

Our contact at Carrington is XXXX XXXX XXXX | XXXX  Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Office : ( XXXX ) XXXX | XXXX LOAN XXXX XXXX / XXXX Our contact at the VA is XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX XXXX XXXX XXXX XXXX U.S. Department of Veterans Affairs I am now officially in an EMERGENCY situation and need to get this approved, closed and need to leave so my son can start XXXX grade and I can go back to work. PLEASE help.

Company response to consumer: Closed with explanation