Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: AL

Complaint narrative:
I only purchased my current home because my ex-husband/friend/father of my children became severely XXXX and moved in with me at the townhouse I had that was financed by my daughter for {$64000.00}. The payment was under {$450.00} a month including the insurance and taxes. After moving my ex in to care for him as he was XXXX and ended up having his leg amputated above the knee. This made it impossible for him to get upstairs to bathe and had to set up his bed in what was my dining room downstairs. After months of dealing with numerous surgeries, doctor visits and mounds of paperwork I finally got him approved to draw his XXXX. Since he had worked from the time he graduated high school until he was refused work due to not being able to complete the required physical he was eligible and drew $ 2299 monthly, which was more than I made working XXXX hours a week. We made the decision to purchase this home together located at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. We purchased the home pre pandemic for {$170000.00} and closed on the home XX/XX/XXXX. The payment was then $ 1160 monthly including insurance and taxes. Even after XXXX surgeries and months of continuous treatment for chronic pain management along with what I now believe to have been him getting XXXX at XXXX of his numerous doctor visits as he had been sick with what he thought to be a severe XXXX XXXX or possibly the XXXX  I went to check on him before leaving for my job on XXXX XXXX, XXXX and found him dead from a gunshot wound to the head. The pain had consumed him entire life. He was XXXX and weighed a mere XXXX lbs at that point. The last several months he survived on chicken broth, crackers and pudding to mix his medicine in because he was unable to swallow solid food without choking. Since then I have struggled trying to keep my home because its gon na cost me more to rent an apartment than what my mortgage is. I received multiple forbearances on separate occasions because I lost my job during XXXX. Was finally set up with a partial claim through FHA. After going back to work in XXXX, because up till then I had done delivery/gig work to survive, I worked XXXX  months before being let go for missing my allotted PTO from taking care of my mother after she fell and broke her hip. My supervisor put me as eligible for rehire which Im hoping to here back from soon. I am back to doing deliveries while waiting but was her full time caregiver up until XXXX  months ago. I submitted loss mitigation paperwork to Selene Finance and it has been denied. I realize the mortgage is severely delinquent but my son has moved back home with me to help with the bills and I am receiving money from renting out the mobile home that was my ex husband. I also have an aunt that has moved in with me paying me $ 400 monthly to help cover the cost of the mortgage. I just need a chance to catch up but the mortgage company doesnt seem to wan na work out a plan for me to keep the home. With the rise in home and rental cost its gon na be harder to find a place paying what my mortgage payment is currently but I dont have {$18000.00} to catch up the delinquent cost. Im desperate at this point and just need options.

Company response to consumer: Closed with explanation