Thanks Home Loan Services for the straight up lies and false hope that will result in foreclosure after months of doing my part to keep from coming here. I will only go into the end of my story. We had never missed a payment until November when my loan adjusted. Although my husband has been out of work for several months while I was workiing sometimes six days a week to keep up, but barely getting by. Paycheck to paycheck if you will. The hardship they offer I really wonder if it is real? That request was met with can't help until the hardship is over. Prior to the adjustment we were both aware I couldn't afford they told me get approved for an FHA loan in doing what is called a short refi. The time was getting close to that adjusted payment. The new lender sent all the required paperwork sometimes more than once. A customer service person said don't worry hold on for one more week for approval I was lead to believe this was a done deal. My new lender said I would not have a payment in November. Since our finances have been so tight I choose to use a portion of my income for things like new tires and other things I have let go until my husband goes back to work. I did get that call a week later only to hear I have been denied. Whoever told me that had no right. Had I had a clue I was being set up I would have at least tried. Some talk about a loan mod, but after all this I feel it was more twisting of words for what have done so far for my family... Nothing. Have these guys ever backed up their words with actions except to get you one step closer to foreclosure? The next I get a letter stating I was denied because I can afford my payment. The only thing I have gotten in writing. To my calling only to be told I need to face the fact I can't afford my home while they would rather take thier chances with a foreclosure. Doing business like this is why hard working American families are ending up homeless with no where to turn for REAL help. There are too many of us that have been treated like this from them. Can anyone help make it stop and get them honest?
0 comments