Complete Complaint:Into XX/XX/2020 without having actually ever using Caliber Home loans provided all of us a loan mod which have a primary cures

Full Problem:I decrease behind back at my mortgage XX/XX/XXXX and you can called Quality for the XX/XX/XXXX to go over exactly what my options would be to beat the standard. Per XXXX ( staff id XXXX ), I can increase my personal forbearance otherwise submit an application for loss mitigation and you may she’d mail documentation to my household. To the XX/XX/XXXX XXXX ( employee id XXXX ) reported that my personal deferment contract try due back by XX/XX/XXXX which have home financing commission due XX/XX/XXXX. We never received which contract neither performed We receive any cellular phone phone calls on the a prospective deferment. Towards XX/XX/XXXX, XXXX ( employee id XXXX ), stated that if i try unable to generate a cost after that I would personally need apply for loss mitigation. We informed XXXX the hardship would-be resolved therefore we you’ll resume repayments XX/XX/XXXX however, XXXX asserted that wasn’t an alternative and so i filed my personal files toward XX/XX/XXXX. On the XX/XX/XXXX a letter are shipped stating my personal obtain advice try refuted due to me perhaps not recognizing the fresh deferment option. My mortgage company pushed myself into a plan that i couldn’t conform to, forcing me to get an alternative only to feel rejected. I have merely accompanied the newest education out of my mortgage company and you will will now be left homeless.

Criticism Facts:

In order to have the deal finished loans in Arvada we must During the the period we were unable to make path repayments.

Since that time all of our problem has evolved we need to simply take Caliber up on the deal. Now that we can manage it Caliber desires to create good ( DIL ). In reality all the Quality only has started seeking creating a good DIL for years now. We had been really surprised whenever Quality considering united states the mortgage Modification. Amazed. Now that we can afford it we feel they don’t want us to Customize the mortgage. We believe the loan amendment provide because of the Quality try a fake bring it know we could maybe not pay the money within day so that they offered it to help you all of us. Since we could pay for they they don’t have so you’re able to united states. We believe Quality is really regarding real estate industry maybe not the mortgage business. They use the ( DIL ) to amass functions next offer the latest on the cousin team the XXXX XXXX XXXX for a cheap price then Believe resells it within a profit. We feel this new Given can make entire so you’re able to Quality to your losses on the loan and are also tearing of one’s taxation Payer to the a major League top. You need to browse the which.

Issue Information:

Full Complaint:On XX/XX/XXXX, I contacted Caliber Home Loans to inquire a refinance letter received in the email. I spoke with XXXX XXXX from Caliber Home Loans who gave me more details regarding the refinance letter I had received in the mail. He reviewed my existing mortgage and recommended doing a refinance to a 10 year mortgage since the payment would only be <.00>more and we would save $ XXXX in interest compared to a 15 year mortgage. I mentioned that we had a home equity line of credit on the property as well as the mortgage from Caliber Home Loans. We discussed the amount the home equity line of credit was and the current balance of both loans. He said the home equity line of credit wouldn’t be an issue since the mortgage and balance of home equity line of credit was less than my current mortgage loan was originated for. He told me that I had to pay <.00>for a credit check to move forward so I did. I submitted all required documents that day. He explained that the closing was going to take several months due to the low interest rates and all the refinances going on so don’t expect any communication for a month or two. On XX/XX/XXXX, I received a letter from Caliber Home Loans saying the loan application was ” Withdrawn by Applicant ”. I immediately reached out to XXXX XXXX trying to understand why the letter stated that I request to cancel the loan. He responded by saying ” Looking at the notes it looks like there was a second mortgage/lien found on the property. We can not subordinate it. “. I asked him for more details about the second mortgage since I am not aware of one and he stated that the HELOC is considered a second mortgage. I tried to contact Caliber Home Loans Advocacy Department however it plays a message saying to call during normal business ( which I was ) and then hung up. I called Caliber Home Loan ‘s customer service normal and was informed by a agent that that Advocacy Department phone system was down and to try later. I requested an executive path and was told that the best I could get was a call back when the system is back up or to call back after the system was back up.

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