Struggling to pay mortgage

XXXX XXXX ( XX/XX/XXXX – XX/XX/XXXX ) My ori ginal FHA mortgage lender from XX/XX/XXXX . A fter my divorce in XX/XX/XXXX , I attempted to sell and then short sell the property when the expenses became to high with a XXXX year-old and XXXX . I received only one cash offer, which XXXX XXXX denied. On XX/XX/XXXX , I began my attempt at a modification payment, even though they were higher than my original mortgage payments. After my first two of three trial payments ( XX/XX/XXXX and XX/XX/XXXX ), I received a letter that my loan had been transferred/sold and to direct all my contact and payments ( XX/XX/XXXX f orward ) directly to XXXX XXXX XXXX XXXX in XXXX XXXX , NJ. XXXX XXXX XXXX XXXX ( XX/XX/XXXX – XX/XX/XXXX ) O n XX/XX/XXXX , I made my final modification trial payment electronically via my bank account. On XX/XX/XXXX I made a payment for the same amount, as my Case Manager at XXXX was unable to tell me what my new payments would be now that the trial payments were complete. On XX/XX/XXXX I n oticed that the payment was debited back into my bank account with the note ” XXXX XXXX Cor Pay Refund ”. Upon this discovery, I placed numerous emails to assigned Case Manager who suggested I submit another payment for XX/XX/XXXX along with XX/XX/XXXX payment. Towards the end of XX/XX/XXXX , I then received a check for returning all of my payments to XXXX . My Case Manager had no answer for me why any of this was occurring. Out of frustration, I stopped making payments and prepared for foreclosure.
On XX/XX/XXXX , I discovered the option of a Deed-In-Lieu of Foreclosure and decided to pursue this avenue. I felt this was the responsible and correct thing to do, especially with XXXX young children. After numerous calls and requests to XXXX XXXX XXXX XXXX , I finally received a Deed-In-Lieu packet to complete one month later, late XX/XX/XXXX . On XX/XX/XXXX I submitted all the information they required. Shortly after, the property was completely vacated and broom swept. XXXX completed all of their assessments and appraisals, winterized. locks changed and posted the property as vacant. I asked my Case Manager if I needed to check on the property, and was informed that XXXX would check in on it periodically. I received my final settlement packet … Except it had my ex-husband ‘s name on it, and his name was never on the mortgage or deed.
For the next year, XXXX would insist he signed the paperwork, and I refused as I knew his name was not on the home, and did n’t want him involved in all the paperwork. He had relinquished the home to me in our Final Settlement Agreement with our legal Divorce, which they had. I was finally informed that my ex-husband needed to complete a Quitclaim Deed. This Quitclaim Deed was comple ted on XX/XX/XXXX . On XX/XX/XXXX I submitted a complete packet! Please keep in mind, over these 6 years so far, all of my bank statements and tax forms, etc. expired after 3 or 6 months and needed to all be resubmitted. I ca n’t count how many packets I have completed! Late XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX saying they couldnt complete the final inspection because there was a family of XXXX living in the property! I asked them how this could happen, as they were responsible for the property since they changed the locks and posted it. They just repeated the same line about We are invested in the property or something like that. I went to the Police and discovered a family of XXXX living in the unit sinc e XX/XX/XXXX – over three months. I then filed an eviction at which the judge allowed the family to reside in the property until XX/XX/XXXX . I inf ormed XXXX , who said until then, everything was on hold. On XX/XX/XXXX , t he family had moved out according to the neighbors, but now I was locked out of the unit.
Shortly thereafter I received a letter that my mortgage was sold to Nationstar Mortgage o n XX/XX/XXXX – the day before the legal eviction! NATIONSTAR MORTGAGE ( XX/XX/XXXX -PRESENT ) On XX/XX/XXXX I contacted Nationstar Mortgage, and informed them that I had been attempting a Dee d-In-Lieu and wanted to continue doing so. I asked for any paperwork, and they said they had all my paperwork from the previous lender. I just needed to complete a Confidential Statement of Information. I completed this and emailed it ( as well as my last completed packet with XXXX ) back less than an hour later. I immediately received an automated confirmation email that my document and email was received and was being processed.
B y XX/XX/XXXX I didnt hear back from Nationstar so I followed up and was told that there was another page that needed to be completed. I was sent the same document as before, but with one additional page. I completed these and emailed them back, along with the previous XXXX packet ( again ). Shortly thereafter I was assigned a Deed In Lieu Specialist who informed me she would order a BPO. I informed her that I did not have keys to the unit as XXXX changed them on me, and the squatters locked me out. She said she would do what is needed to have a lockbox put on the door and the BPO completed.
O n XX/XX/XXXX I received a message from my Deed In Lieu specialist saying, Im emailing you to let you know I will have to cancel the deed in lieu for your file by tomorrow if I have not heard from you to get the bpo ordered for this file we need to get a realtor inside the property to take pictures your file is on hold. When I called her to remind her of the sqautter/key situation, she also claimed that Nationstar never received any paperwork.
On XX/XX/XXXX I sent all the documents again. On XX/XX/XXXX , the Deed In Lieu Specialist confirmed she received the documents and would let me know if she needed anything else.
On XX/XX/XXXX my Deed In Lieu Specialist informed me that she needed a fw9 completed, an d separate letters for each payoff amounts for each lean from the HOA. The HOA explained to me that it was a running balance and they couldnt really separate the amount into separate letters.
On XX/XX/XXXX I sent my Deed In Lieu Specialist the fw9 and payoff letter from the paralegal for the attorney representing the HOA. The Deed In Lieu Specialist stated she needed a statement through XX/XX/XXXX . On XX/XX/XXXX the attorney replied We can not give you a definitive payoff amount through XX/XX/XXXX . The as sociation assessments are recurring monthly fees, plus late interest and legal fees and costs to collect this debt. I believe we provided XXXX XXXX with a payoff through XX/XX/XXXX and we can update the payoff in XX/XX/XXXX . On XX/XX/XXXX The DIL Specialist replied, Then you will be responsible for paying your HOA Bill every month until we close otherwise it will continue to come up on the title and we will not be able to close with any title lien issue showing up on the title once you have paid the HOA bill send me a copy showing it has been paid in full an the balance owned is at a XXXX balance.
Here was my response which brought me to contacting you : I am not sure why making a settlement with the HOA is such an issue for you/Nationstar. XXXX XXXX ( t he prior mortgage company until mid XX/XX/XXXX ) had n o problem making a settlement agreement with the HOA quickly and directly.
It seems that you are asking for something irregular. I am sure the HOA ‘s law firm has dealt with this issue plenty times before – and I am sure they want to be paid. I will be contacting the Consumer Financial Protection Bureau ( CFPB ) to see if this is regular and appropriate practice.
I will not be paying any of these dues as I am a part time employee with XXXX children and {$120.00} total in the bank, and no assets. My expenses ( rent and electric ) exceed my monthly income and I have no savings.
From day one ( approximately XX/XX/XXXX ) , all I have tried to do is work with the XXXX mortgage companies ( XXXX , XXXX XXXX , and Nationstar ) years to transfer the property ownership to the mortgage company, and take care of my responsibilities.
I attempted to sell, short sell, modification and deed in lieu – all without success. It seems that it is in Nationstar ‘s best interests to drag this out so I have no choice but foreclosure, so you can assess even more fees until then.
All this being said, has the BPO been completed yet? I know you keep asking me for keys which I keep telling you I do not have after the squatters finally left and locked me out. Prior to the squatters the unit was winterized and posted by XXXX XXXX and was posted. It is no surprise that they sold the loan to you the day before the legal eviction.
Please contact me via email only from this point forward so I have all communication in writing.
Shortly thereafter I received two emails from my DIL Specialist, The bpo has been completed and Per management ask the HOA Company for a payoff out until the end of XX/XX/XXXX . All in all, I dont think this all should have taken 6-7 years! Most people would just walk away and foreclose I almost did myself but I want to do the right thing.

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