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Воскресенье, Январь 19th, 2025

Full Criticism:I decrease behind on my mortgage XX/XX/XXXX and you will called Quality with the XX/XX/XXXX to go over exactly what my personal choice were to eradicate brand new standard. For each and every XXXX ( personnel id XXXX ), I will stretch my personal forbearance or get losings minimization and you can she’d post documents back at my home. With the XX/XX/XXXX XXXX ( personnel id XXXX ) reported that my personal deferment arrangement is actually owed back because of the XX/XX/XXXX having a mortgage commission due XX/XX/XXXX. I never ever received it contract neither performed I get any cellular telephone calls from the a potential deferment. Toward XX/XX/XXXX, XXXX ( worker id XXXX ), reported that if i are not able to create a payment next I would have to submit an application for losings mitigation. I advised XXXX our hardship is solved therefore we you will restart payments XX/XX/XXXX but XXXX asserted that was not a choice so i recorded my documentation towards XX/XX/XXXX. On the XX/XX/XXXX a page is shipped saying my obtain guidelines was refused because of myself perhaps not acknowledging the fresh new deferment solution. My mortgage company forced myself in to an agenda loans in Air Force Academy that i couldn’t comply with, pushing me to get an alternative merely to end up being declined. I have just followed the fresh new training from my personal mortgage lender and often now remain homeless.

Ailment Info:

For having the deal finished we wanted to At the period we were incapable of make the walk money.

Ever since then our problem has changed we want to bring Caliber on the deal. Since we could manage it Quality would like to do an effective ( DIL ). In fact every Quality has only started looking for starting a good DIL for years today. We had been really shocked when Caliber given you the loan Modification. Pleasantly surprised. Now that we can pay for it we think they do not require me to Customize the mortgage. We feel the loan modification provide by Caliber is a phony give it know we can maybe not afford the payments from the time so they offered they to help you united states. Since we can pay for it they will not have to us. We feel Quality is really on real estate business maybe not the borrowed funds company. They use the fresh new ( DIL ) to accumulate characteristics following offer the fresh to their sister business brand new XXXX XXXX XXXX at a discount then your Faith resells they during the a revenue. We believe the fresh Provided helps make entire to help you Caliber for the loss toward financing and therefore are tearing of tax Payer towards the a major Group height. You should check out the that it.

Issue Facts:

Full Complaint:On XX/XX/XXXX, I contacted Caliber Home Loans to inquire a refinance letter received in the email. I spoke with XXXX XXXX from Caliber Home Loans who gave me more details regarding the refinance letter I had received in the mail. He reviewed my existing mortgage and recommended doing a refinance to a 10 year mortgage since the payment would only be <.00>more and we would save $ XXXX in interest compared to a 15 year mortgage. I mentioned that we had a home equity line of credit on the property as well as the mortgage from Caliber Home Loans. We discussed the amount the home equity line of credit was and the current balance of both loans. He said the home equity line of credit wouldn’t be an issue since the mortgage and balance of home equity line of credit was less than my current mortgage loan was originated for. He told me that I had to pay <.00>for a credit check to move forward so I did. I submitted all required documents that day. He explained that the closing was going to take several months due to the low interest rates and all the refinances going on so don’t expect any communication for a month or two. On XX/XX/XXXX, I received a letter from Caliber Home Loans saying the loan application was ” Withdrawn by Applicant ”. I immediately reached out to XXXX XXXX trying to understand why the letter stated that I request to cancel the loan. He responded by saying ” Looking at the notes it looks like there was a second mortgage/lien found on the property. We can not subordinate it. “. I asked him for more details about the second mortgage since I am not aware of one and he stated that the HELOC is considered a second mortgage. I tried to contact Caliber Home Loans Advocacy Department however it plays a message saying to call during normal business ( which I was ) and then hung up. I called Caliber Home Loan ‘s customer service normal and was informed by a agent that that Advocacy Department phone system was down and to try later. I requested an executive path and was told that the best I could get was a call back when the system is back up or to call back after the system was back up.

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