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Full Ailment:We dropped behind on my home loan XX/XX/XXXX and you will called Caliber to the XX/XX/XXXX to go over what my personal solutions would be to dump the standard. Per XXXX ( personnel id XXXX ), I am able to extend my personal forbearance otherwise make an application for losings minimization and she’d mail papers on my family. To your XX/XX/XXXX XXXX ( personnel id XXXX ) stated that my deferment agreement are due back from the XX/XX/XXXX having a mortgage fee owed XX/XX/XXXX. I never acquired it contract nor did I receive any cellular telephone calls on the a prospective deferment. Towards XX/XX/XXXX, XXXX ( staff id XXXX ), reported that if i was not able to create a repayment then I would personally have to make an application for losings mitigation. I advised XXXX the adversity is resolved so we you can expect to resume money XX/XX/XXXX however, XXXX asserted that wasn’t an option so i filed my files on the XX/XX/XXXX. With the XX/XX/XXXX a letter is shipped saying my ask for guidance is actually declined due to me personally maybe not accepting the fresh new deferment solution. My mortgage company pushed myself directly into an idea that we cannot comply with, pressuring me to apply for an alternative only to end up being rejected. We have just then followed brand new knowledge from my mortgage lender and you may usually today remain abandoned.
Issue Information:
For having the offer completed we wanted to From the the period we had been unable to make the trail money.
Since that time all of our disease has changed we should bring Caliber upon the offer. Now that we are able to afford it Quality wants to would a great ( DIL ). Indeed all the Quality only has become looking for doing good DIL for years now. We were most shocked whenever Quality offered you the mortgage Amendment. Happily surprised. Now that we are able to manage they we believe they do not need me to Modify the mortgage. We feel the loan modification render because of the Caliber payday loans Conejos is actually an artificial bring they understood we are able to perhaps not afford the payments at the day so they offered they to us. Given that we can manage it they won’t provide to us. We believe Quality is actually throughout the real estate business maybe not the mortgage business. They normally use the latest ( DIL ) to accumulate properties after that offer the newest to their sister organization the fresh new XXXX XXXX XXXX at a discount then the Believe resells they at a profit. We feel the fresh Provided can make whole so you’re able to Caliber into loss with the financing and are ripping of the tax Payer to the a major Group height. You should browse the that it.
Complaint Info:
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.