Seterus Mortgage Complaint

Seterus Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Illinois

I applied for a Loan Modification on : -/-/- to Seterus, with the help of - -, a complete financial package was sent to be considered for a HAMP ( Home Affordable Loan Modification ). However to start with, Lender informed that this account was locked '' by a Law Firm, which I never authorized. The lock '' was removed and with the help of - we were able to send the Financial Package again on : -/-/-. On -/-/-, Lender offered me an internal TPP, however this was not a TPP HAMP, and the terms were very confused. I decided not to accept the offer and applied again specifying that I would like to be considered for a Home - Loan Modification. On -/-/- another Financial Package was sent specifying my desire to be reviewed for a HAMP. On -/-/- Lender informed me that my package was incomplete and some documents were missing, those were sent and another offer was sent to me, with the same confusing '' terms, meaning they were only extending my maturity date - more years and did not lower my interest. However due to the fact that Lender already sent me to foreclosure, I accepted the terms and my final documents were received this Monday -/-/-. Up to this point, Seterus has been unable to explain me why I was never considered for a HAMP and why they did not lower my interest rate.