PennyMac Loan Services, LLC Mortgage Complaint

PennyMac Loan Services, LLC Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Arizona

We have a mortgage through PennyMac. My husband has not worked for 5 years now and he is not really able to work now because of health issues. He called PennyMac and asked them about removing the PMI from our loan to lower the payment. In the conversation, the person he was speaking to told him that he would be better off if he missed a payment, that way he would qualify for some of the new programs that help people who are behind in the payments. So we talked about it and decided to do that and then we used the money to pay some utility bills that were in arrears. Then they told us that we did n't qualify for any of the new programs and started being very aggressive about collecting the payment that we missed. Now, each month, they show that we are 30 days late on our payment. That 's 4 months that we have on my husband 's credit that shows we are 30 days late on the mortgage which makes it so that we ca n't do a VA loan to get the PMI off our payment. This month they sent us a letter saying they were going to foreclose because of the missed payment. My husband told them he only missed it because they told him to miss it but they said " No, we would never have told you that. '' We do not have the money to make up the late payment, but there should be someway they could put that payment on the end of our mortgage and remove the 30 days late notices they 've been putting on our credit so that maybe we could refinance and pay some of our bills and still have a mortgage payment we can afford.