I also have been having trouble with our mortgage company, Homecomings Financial. We fell behind on our payments, but managed to send them something every month. We contacted them, and they said to just continue our payments.
One month I sent in our mortgage payment, and they sent it back. They claimed because it was not for the full amount owed, they wouldn't accept it. Have you ever heard of a creditor not accepting money? I called and was on the phone for an hour, as I was switched from uninformative representative to uninformative representative, I became angry. I just wanted to make a payment.
That was four months ago. I haven't made a payment because they won't accept them, and they claim I am being reviewed for a mortgage modification. I've complied and faxed numerous pages of documentation to let them know our situation has improved, and we WANT to pay our mortgage. I'm scared that one day I will just receive a letter saying "foreclosure".
I call to get information on our situation, but nobody seems to know anything. They continue to transfer me around whenever I call. There is no direct number to their "mortgage modification" department. I feel I'm being set up for failure in this situation. Any one have any similar experiences with this company?
I have news for Homecomings, if they decide to sell our home, good luck. The housing market in our area has taken a dive, and there is a house for sale on every street. I would figure they would rather make money off of us than take a hit in our sluggish real estate market.
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