Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

FHA mortgage Loan modification,collection,foreclosure California

I purchased my home - -, then lost my job - -. I made $99000.00 last year, and was unemployed from - - until - -. I do n't have much work experience except for the last company I was with for 4 years, and my highest level of education is an - from a - college. I have been employed with - - since - - making about $- a month gross income. My monthly loan payment is $1600.00 which I am currently about 90 days behind. Ditech ( account # - ) services my FHA loan, and they claim - - is the investor. I tried to apply for a principle reduction program with Keep Your Home California ( KYHC ) ( account # - ) and they verified Ditech works with them, and I am approved for their principle reduction program, but as I was finishing with the loan application process KYHC informed me Ditech sent them a letter stating my investor objects to working with KYHC and that put a stop to my application.


is - that they may not work together. I then contacted - - who informed me they are in fact not an investor, they only guarantee the loan, and they have no problem working with another government entity. After verifying multiple times with - - ( ext - ) and a representatives named -, - and - they had all told me everything looks " fine '' in their system, it showed them I was in the process with KYHC and there should not be anything obstructing it, no one could even see that Ditech sent KYHC a letter stating they or the investor objected to working with Keep Your Home CA. So I started the application process over again, and notified Ditech I was doing so. With everything submitted to KYHC, approved by them for the principle reduction program they submitted my application to their underwriting. I notified Ditech this was happening, and they seemed 100 % on board with helping me by working with KYHC. I received a call today from - with KYHC stating they again received a letter from Ditech stating my investor will not work with them, putting a stop to my application. I contacted Ditech around - this evening ( -/-/- ) and spoke with - ( ext # - ) who again verified for me that nothing looks wrong with my account with them ( besides the 3 month delinquency ), it still shows I am working with KYHC and as I was in the process of explaining what happened when I mentioned KYHC submitted my application to underwriting - replied " we have to wait for everything to be processed '' I then told him about the letter that was sent by Ditech stating my investor will not work with KYHC and after extensively looking at my file he replied " Nothing has been sent on your behalf from us '' he recommended I call KYHC and informed me I only have 14 days left to contact a HUD approved agency. - along with others at Ditech keep suggesting I form a repayment plan with them which I financially can not do. I contacted a HUD approved agency ( HOPE ), who informed me I may not qualify for a home loan modification program due to my income and expenses. I do n't understand why no one at Ditech can give me an answer as to why this letter was sent, or why my investor - - will not work with Keep Your Home California. I have a - year old son to support and I need to keep my house I worked so hard to purchase. I need Ditech to work with KYHC and to stop giving me and them the run-around. I need answers as to why this letter was sent, and why no one at Ditech seems to know about it. I need a solution to stay in my home, so I can provide shelter for my son and myself.