Selene Finance Mortgage Complaint

Selene Finance Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Tennessee

I have been informed that our home mortgage have not been properly handled during the modification back in -/-/-. My wife lost her job in -/-/- due to being laid off. Once we discovered she lost her job we immediately call - - - about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. - - - said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. $13000.00. - - - dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new - but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. $140000.00 it was like we never paid anything into our loan after being in the home since -/-/-. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.