I did not go to nationstar voluntarily. My mortgage company sold our loan. Our original mortgage company was GMAC we were trying to work out a loan refi with them because of multiple changes in our life ranging form job loss illness and death in our family. We had been late on multiple occasions. They told us if we could keep up the payments for a year that they would revisit the the refi.
Well we managed to keep up for a year through many hours of overtime and borrowing some money from family. After 12 mos they sold our loan to Nationstar. That is when the trouble really began. Nationstar started out by sending us an incorrect account # for our loan and then we were late with our payment I was able to catch that up. I contacted a firm that helps with home modifications and have been trying to work that way.
Nationstar kept contacting us offering us proposals for a refi, they sent two proposals with the agent saying that it would be better than a loan mod. We told him we didn't think we would be eligible but he insisted and sent them anyway. The day after we got the two proposals we received a letter that our loan application was denied. Well I thought they were just proposals according to the agent that called us.
About a month later we received a letter asking us to sign a form stating that we refused their loan offer. This totally confuses me. Our loan modification was denied because we were current on our payments. Well now I have lost my overtime and my company made an across the board 10% pay cut for all employees. I will never be able to make my payment and these people are so hard to contact never mind get the same person on the phone.
I know the static trick we heard that one and heaven knows we have been transferred from department to department and no one has any record of the calls. I work at a veterinary office and I know that we keep better records then these people do. We are accountable for every phone call that we receive. It seems impossible to get any help from this company. They have no trouble keeping track of late fees.
I am hoping that they are going to re consider the loan modification but from everything I am reading about this company there only goal is to get as much money as they can regardless of how they get it. I just hope not to lose my home in the process.
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