The mortgage company we first closed with sold our mortgage to Midland Mortgage. I lost my job and got behind, and Midland Mortgage called and said that if we agreed to pay $932 for three months as a probation period and our money situation did not change, they could work with us. So we paid what they wanted, and after three months we contacted Midland Mortgage and they gave us four choices: 1. To continue paying $932 for the remainder of the 30 years, 2. $918 to extend our contract for 2 extra years, 3. $900 to extend 4 extra years, or 4. $890 to extend 5 extra years.
According to Midland we were behind about $7000, and we put it on paper: for that $7000 we would pay Midland Mortgage back an extra $35,000. We were trying to get Midland to carry the amount we were behind at the back of the mortgage and pay our regular $770 a month, or give them a sum of $3000 just to catch up on the amount we were behind, and they did not go for that. All they said was that we could only choose from the 4 options they had given us. We did not think that was fair. Our only choice, and it was hard to do, was to go bankrupt.
Midland Mortgage destroyed our dream of owning our home. The people who work for Midland Mortgage think they are specialists, but the only thing they are is rude, and most of all they make you feel like you are not worthy. People make mistakes, and our mistake was dealing with Midland Mortgage. We have lost a lot of time and money. Now I have to uproot my family and find a rental that would accommodate our lifestyle. I have at least 2 months to do this. Thanks for the American dream, Midland Mortgage.
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