Caliber Home Loans, Inc Mortgage Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Florida

I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance. I refinanced into this loan in 2007. A little over a year later when my wife turned - she decided to take off and go on the road as a -, abandoning me and the kids. -. There were long periods of unexplained absences and several months later I had divorce papers drafted. - At that time I had been taking care of the


my kids and had to move into an apartment. My employer found out about the - and I lost my job as well. I eventually found a job - and had to - in my spare time to sell it in order to keep myself fed. I obviously was not in a position to make the mortgage payment. During that time my wife never made the mortgage payment, and let the house, the lawn and the pool go. I started my own company doing right sizing - I am brought in to save them money and have slowly built this up into a good income source. I fought the - and was eventually able to get back into the house and was able to get wife out and divorce finalized. I tried to put my life back in order - step at a time. I contacted - to see what could be done and at - point I was apparently offered an interest only modification. I found out about this after the fact, I did not see the paperwork until the offer had expired and I suspect that my ex wife who was still lurking around at that time had something to do with that. I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.