Round Point Mortgage Mortgage Complaint

Round Point Mortgage Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Louisiana

- - My husband was laid-off from his job. We called the mortgage company to see if there was any way we could pay the interest basically if there was anything we could do because we could not pay the loan. We were instructed to submit the Borrowers assistance application. All paperwork was submitted before -/-/-. My husband started a new job -/-/-. Around this time we received a letter from the mortgage company stating we were eligible for a 3 month forbearance program. At this point we had not paid the -/-/- note. The forbearance was from -/-/- to -/-/-. Once we received my husbands first check I attempted to make a payment online and the system would not allow the payment. At this point I contacted the Mortgage company to try to make the payment I was told because we were in the forbearance program I would not be able to make the payment until the program was complete. My husband was laid off again -/-/- and found another job for less money -/-/- -. I contacted the mortgage company -/-/- to see what our options would be for repayment. She told me I had to submit the


on info that was not provided with the application. I submitted the info immediately. On - - we received our evaluation summary from the mortgage company stating the only program we would be eligible for is short sale or deed in lieu of foreclosure. The only other option would be to pay the - we are behind. My husband spoke to someone with the mortgage company on - - and was advised to resubmit our application with the changes we have recently made on some of our other bills. And I did n't realize when I submitted the paperwork in -/-/- that I did n't include my husbands truck allowance. I resubmitted by - through email on - -. When we got home on - - we had a notice of default and intent to accelerate letter in the mail dated -/-/-. This letter states we have until -/-/- to bring the mortgage current to avoid foreclosure. We also received a notice of a certified letter that no one was home to sign for. We was told the forbearance was the only program available to us. We was also under the impression that they would work with us to get this account up to date once it was done. In this time our credit score has dropped from upper - 's to lower - 's which we did not realize would happen since we were working with them. All we want is for the mortgage company to not take advantage of us in this situation. We do not want to lose our home. They were very misleading about the end result of this program.