Shellpoint Partners, LLC Mortgage Complaint

Shellpoint Partners, LLC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Ohio

- Hardship Statement -/-/- to Shellpoint for : -, OH - Account # : -, OH - Account # : - It has been documented through Consumer Financial Protection Bureau ( Complaint # - ) for the past year that I have repeatedly asked Shellpoint to adjust the APR on my - property. I completed their forms numerous times for both addresses, but they would always send me an additional form. So, the mortgage modification would never be complete for -. I did not request a new modification for -, only -. In -/-/-, I was - for - ( - ) due to mortgages -. My two first mortgages in -/-/- from - ( - ) had the predatory subprime rates of 10.5 % and 9 % respectively. I was - years old ( retired as a - in -/-/- after 33 years of - ). I was assured before and during the loan signing


I am - years old now and Shellpoint Loan Servicing now holds the 1st mortgages. I have asked Shellpoint repeatedly ( notably -/-/-, -/-/-, and -/-/- ) to refinance/modify the 1st mortgages. I was given H.A.R.P for -, but not - even though I applied for modifications on each of the homes at the same time in -/-/-. Although - is listed as an investment, my son lives in the house ( a second home ). I have been refused a modification for - because I am not delinquent/in default. Mortgage payments are automatically deducted monthly from my pension checking account. I am in a vicious cycle of low credit eligibility to refinance due to debt : income ratio because of the mortgages. In -/-/-, I will be - years old. As of -/-/-, I have already paid $870.00 * 193 months or $160000.00 for the 1st mortgage at -. I have already paid 11 years of mortgages for -. I bought the - house for $130000.00 with a $20000.00 down payment in -/-/-. I need relief. I do n't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence ( - ) in -/-/- for $65000.00. In -/-/- my credit score was -. The - lender would not let me buy the 2nd house next door without mortgaging -. I am being discriminated against because of predatory loan practices when I was - years old. The lender told me I could refinance without penalty for the 1st and 2nd mortgages, but only the 1st mortgage on my primary residence was done through the government 's H.A.R.P. It was never my intention to be in debt till I die paying mortgages. The government noted the predatory practices and gave relief with H.A.R.P. for my - residence. Relief for me is to have a Shellpoint Executive decision that the - mortgage be PAID IN FULL by its original maturation date/sooner with a significant reduced APR.