Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure North Carolina

My loan was originated - -, 2006 with - - -- Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with - Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in - and the home is located in - where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. - - - denies being the owner, as well as Bank - who - said they sold it to. This home is probably worth $ - if that with a monthly payment of almost $900.00. I have several entries on my credit report stating I 'm in the arrears over $ - and have a balance of over $ - being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.