Caliber Home Loans, Inc Mortgage Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account New Jersey

In -, my mortgage server was - -. They sent me literature on the - modification program, I filled out the application and was approved for a modification. My payments were $1500.00 a month and was reduced by $250.00 dollars. I successfully paid on time per the guidelines on the modification. Six months later, I received a letter from - - stating that my modification was denied for a permanent modification, and the reason i was denied was because my monthly income exceeded the guidelines. Then, - - sent me a letter indicating that my payments that were made during the modification were considered 'incomplete '. I was charged late fees, penalties, etc. A week later I received another letter from - - demanding that I pay the amount owed during the modification trial period, which exceeded $5000.00 dollars. I reached out to - - and asked them to work with me. Unfortunately, I was informed that there was nothing - - could do for me. I then reached out to an attorney, - -, and inquired an alternative to foreclosure. - -, explained to me to reach out to the Lost Mitigation Department at - -. To see if


give me an opportunity to repay my dept to - - over a five year period. I filed for Chapter - Bankruptcy in -. My payments were $420.00 a month which i successfully completed over the five year period. However, during that five year period I fell upon a hardship and lost my job, which caused me to make partial payments to - - during the five year course of the Bankruptcy. However, I made all my payments on time to my trustee. During the bankruptcy I was in contact with my attorney in regards to my situation. In -, - - transferred my mortgage to Caliber Home Loans and I was notified by mail of the transfer of my mortgage. I then received a welcome letter from Caliber informing me that my mortgage payments should be mailed directly to Caliber after the - of -. I reached out to Caliber respectfully requesting my mortgage coupons so I could make my payments in a timely matter. Caliber Home Loans never sent me my mortgage coupons. A week later, Caliber started the foreclosure process on my home. I then reached out to the - - and I was directed to a company called -. - submitted a modification to Caliber in - of -. I was in contact with - and Caliber Home Loans in regards to my modification application. Caliber informed me that they never received my application from -. I then reached out again to - and explained to the counselor that Caliber informed me that they never received the application. Shortly after my conversation with - the - resubmitted my application. I followed the instructions that were given to me and stayed in direct contact with Caliber Home Loans as well as -. During that time I was employed and my application for modification was denied once again because my income was 'too much '. - - - I lost my job. In - I started receiving my unemployment benefits. I stayed in contact with Caliber the whole time that my mortgage was in their hands. In - -, I spoke to an agent from caliber and explained my situation again. I still did not receive my coupons from Caliber. I was then informed to submit a letter and request Caliber to send me my mortgage coupons, so i could start making my payments. I have records of Caliber receiving all the documentation. Now I 'm in contact with a certified - councilor in an attempt to resolve this issue and save my home.