RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Conventional adjustable mortgage (ARM) Application, originator, mortgage broker Ohio

My mother and I closed on the home in - -, during this time we were told by the loan officer that the mortgage payment included property taxes and insurance. Our monthly payment was -. Six months later we received a notice to for payment due for the taxes. After corresponding with the realtor and loan officer, we were told that we would not have been financially eligible to afford the additional payments with the loan. We were advised to refinance after residing in the home for a year to receive lower payments. The loan officer asked me to contact her the following -, in which I followed through. I left - voice-mails and never received a return call. My mother and refinanced with another lender as a result. My mother died in -. I was able to continue making payments with the support of family members. In -, I applied for and was granted an Home Loan Modification. I was employed as a - - - from - until - - when my business closed due to lack of enrollments. As of - -, I am gainfully employment, however ; my home is now in foreclosure status. The initial home loan had high interest rate. My mother and I were misguided with the information we received from the involved parties during closing. The refinanced loan also has a high interest rate ; we accepted this loan because we felt we had no other recourse than to move out of the home. Although payments were made up until my unemployment, there remains a large portion due for the first loan. I asking that CFPB would review my loans and find a possible resolution for the balance of these loans.