Rushmore Loan Management Services LLC Mortgage Complaint

Rushmore Loan Management Services LLC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure California

I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. I bought this home in 2008 with a conventional first mortgage through - - and a 2nd mortgage through - with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to


eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, - and - a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a -5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. I am in the process of getting my - reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a - and also still receive my -. I expect to be back working as an - within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.