Fannie Mae

Review: a brief description of my PMI complaint as of July 2014:

This is my Third attempt to resolve this and a losing battle of endless red tape to resolve my PMI (Premium Mortgage Insurance) cancellation with [redacted] who passes the Blame to Fannie Mae. I went through the Attorney General's office of Massachusetts who referred me to, the Comptroller of the Currency Agency and now referring me to the Consumer Financial Protection Bureau. My mortgage Company a division of [redacted] aka [redacted] and Fannie Mae are not playing by the rules. Once I reached the milestone in February 2012 of under 78% Loan to value of my original mortgage Contract as long as the loan is current and not late 30 days within the calendar year, which the law requires them to “cancel my PMI” regardless of any Arbitrary schedule date. [redacted] has chosen to defer me to Fannie Mae and said (I have a new goal to attain and wait until the schedule date of June 15, 2015 on mortgage even though it is at 71.8% LTV). I reached my 78% goal 2 years ago!!! Does this means if my loan is amortized for 30 years and I pay it off in 15 years, Am I still owing CCO interest until the schedule maturity date? NO! It sounds absurd and illegal? I will file a Suit for "TRIPPLE DAMAGES" In Boston Housing court this week for the 3 years’ worth of pain and suffering.Desired Settlement: Resolution should be that Fannie Mae has to Make my Lender [redacted] Canel my PMI for Loan#[redacted]

Review: Been in touch with Fannie Mae and mortgage company [redacted] numerous times since February 2013. Previous mortgage company [redacted] had set up loan under wrong address. Have been in touch with both Fannie Mae, in which tells me to contact current mortgage company [redacted], in which I have numerous times to change the address to the correct one. The last contact with [redacted]. said the information received 3/28/13 by fax provided the information needed to change the incorrect address of [redacted], ** on file with [redacted] to the correct address of [redacted]. [redacted]. said by May 1st, 2013 changes should have been made with Fannie Mae and updated information sent via surf system. Fannie Mae on the other hand has the loan under [redacted], a legal address other than mine. I have made contact with Fannie Mae since then and have been directed to level 2 representatives that have not resolved my issue. I have had to leave messages and no return phone call. I have exhausted my avenues on this issue. I am losing a better interest rate at this time due to the lack of fixing this time consuming issue. [redacted] has also sent me to their mortgage brokers that have also stated that I can not refinance with any other company, but them.Desired Settlement: I need the loan I have with [redacted] to reflect the correct physical loan address of [redacted] and for Fannie Mae to recognize the loan with the correct address in order to refinance.

Review: The owner of my loan is Fannie Mae which is why I am filing this complaint in hopes that you can resolve this issue. I have tried to resolve this issue for 3 months going back and forth with [redacted]. I have talked to several rude and unprofessional people whom have not been willing to come to a resolution. The servicer of my loan is [redacted], Inc. with whom I have been disputing the information reported on my credit report for 3 months. The information [redacted] reported to the credit rating bureaus i.e. Equifax, Experian, TransUnion and Innovis is inaccurate and incorrect regarding my mortgage payment history. At no point and time has my mortgage been late for April and May. [redacted] reported a maximum delinquency of 30 days for April 2013 and May 2013 which is totally inaccurate. I provided [redacted] with documentation of my payment history from December 2012 to the present according to my records.

My husband filed bankrupty in 2012 and moved out of our home and relocated to Maryland. I was unaware that he called [redacted] to notify them that he was unable to make the December payment and to tack it on to the end of the loan. At no point and time was I notified that the December payment was late or missed. Best believe if I were 60 days late [redacted] would be calling to collect the payment. However in this instance I was unaware of the situation. I could understand if I were 30 to 60 days delinquent but that has never been the case with my payment history. My payment is sent in consistently around the same time each and every month.

The information reported to the credit bureaus is incorrect and should not have been reported because it is totally inaccurate. How did we go from December 2012 to April 2013 and May 2013. I have had problems with this company since my loan was sold to [redacted]. [redacted] improper file handling, lack of professionalism and inaccurate creditl reporting practices is UNACCEPTABLE. How many complaints does this company have to get before someone realizes that the complaints are going to continue until something is done about [redacted] document processing procedures and lack of customer service. [redacted] does not have the customer's best interest at heart or even try to assist the customer.Desired Settlement: Remove the inaccurate and incorrect information from my credit reports. My account was paid on time for April 2013 and May 2013 which I provided [redacted] with documentation and they should have the same information. My payments are consistently sent in the same time every month.

Review: [redacted] of the [redacted] made arrangements with me which she never communicated to Fannie Mae resulting in closed lease and foreclosure. For the past month I have been working with [redacted] of the [redacted] Deed-In-Lieu department for Fannie Mae home loans. [redacted] made assurances based on terms we agreed upon for the Deed in Lieu to be completed with a 12-month lease to the tenants I was subleasing out to. [redacted] said she submitted these terms for the multiple tenants to be leased the property by a property manager which would fulfill my financial obligation to [redacted], relieving me of the deed at the completion of their 12-month lease term. Following this arrangement and the confirmation that my application was received and approved, I had inquired as to the status of the property manager coming by to complete the lease signing on multiple occasions without any result. Finally, after a month had nearly passed, [redacted] advised me that a property manager would be meeting with the tenants within the week. Two days later, my tenants advised me that they met with the property manager; however, he closed the lease before it could be signed because [redacted] had not communicated anything to him. I contacted him directly, a [redacted], and he said he closed the request for a lease due to the terms not being as he was told they would be. He did not know of the multiple tenants; as result, he expected that a more appropriate request would be issued. However, [redacted] from [redacted] advised me that they would not reissue the request, instead they would Foreclose the home. The reason for this, according to them, is the Deed In Lieu was approved, but had to be completed within 30 days of the approval. To complete it, the home had to either be leased or vacated within the 30 days. That 30 days has expired and it is not vacated nor was the lease signed. As result, the Deed In Lieu was scrapped and they will now proceed with Foreclosing the property. However, I was not even provided an opportunity to comply with this time guideline as [redacted] didn't get the Property Manager out to my tenants until 2 days before deadline. Furthermore, he was dispatched there with all the wrong information, forcing his hands to close the lease request as it did not comply to what he was instructed. I don't understand why [redacted] never communicated the situation adequately to the Fannie Mae Property Manager. Everything was thoroughly communicated by me to [redacted] and agreed upon. I cannot fathom why the information was not relayed to him as he not only had an incorrect address for the state of Washington, instead of Ohio, but also knew nothing of the multiple tenants, nor was he prepared for what [redacted] of [redacted] approved 3 weeks ago. [redacted] of the [redacted] made arrangements with me which she never communicated to Fannie Mae resulting in the lease being closed without a chance of success and forcing it into foreclosure without opportunity to correct the errors she made and the results. I presented an option that allowed for funds to be recuperated through lease prior to a solid Deed-In-Lieu that was approved. She miscommunicated all of the details to Fannie Mae and stalled the scheduled of the property manager to sign the lease until 2 days prior to deadline. The result is Foreclosure.

When I received all this sudden, unexpected, and bad news this afternoon from [redacted], I advised her that I would call my tenants to figure out why the lease was "refused by the tenants" as she had told me it was. After I called the tenants and learned this was not the truth, I called and left several voice mails on [redacted] phone, ###-###-####, from 2 pm and afterwards today without and single response. The last three calls I made all went directly to voice mails without ringing. I do not know how I am supposed to rectify a situation [redacted] caused to go wrong when she won't even answer the phone.

My contact for information from Fannie Mae's Property Manager that saw my tenants and was so completely misguided by [redacted] was [redacted], ###-###-####. He advised me that he reported the lease request was completely incorrect and he was not advised of any of the many details [redacted] and I had already settled and agreed upon. As result, he said HE closed the lease request, not the tenants, they were ready any wanted the full 12 month lease. They were ready to pay and wanted to start it. They still are...Desired Settlement: Allow this Deed-In-Lieu to continue the course for which is was already approved. If you are now unable to lease the property, allow me enough notice to vacate the property completely and turn it over.

Business

Response:

Dear [redacted],

Please be advised FNMA has reached out to [redacted] servicer [redacted] and they have advised the DIL docs were received and the DIL was Completed and closed on 10/9/2013.

We thank you for bringing this matter to our attention, and hope that the information obtained from [redacted] is to the homeowner’s satisfactory. Please have the homeowner contact their servicer [redacted].

Review: I purchased a Fannie Mae home through a [redacted] & Co Realty sales agent ([redacted], [redacted] SC [redacted], Office: ###-###-#### Cell: ###-###-####) on February 18, 2014 (closing). This home when shown by the agent included appliances, dishwasher, stove and refrigerator. Prior to the closing of the house I was contacted by [redacted] stating that the stove and refrigerator were stolen by the Fannie Mae contractors and that both would be replaced with brand new appliances within 7-10 days. This conversation took place several days prior to the closing date of feb. 18. The day of the closing I was once insured by the sales agent that a PO was issued and I would have a new stove and refrigerator within two weeks (one week past already). After an additional two weeks past Mar. 5, I contacted the sales agent and she said that the listing agents for Fannie Mae ([redacted] ###-###-####, [redacted] ###-###-####) said that the appliances are on their way. I myself contacted the Fannie Mae listing agent [redacted] on Mar. 14 and received no definite appliance replacement date. On Mar 17 I contacted Fannie Mae's office in Washington D.C. and received no definite answers pertaining to my complaint.Desired Settlement: Replacement of a new stove and refrigerator ASAP, been waiting since 2/18/14. I feel that I gave more that enough time for the replacement of these appliances to take place. I also want additional compensation for my inconvenience with this issue. I've not been able to prepare my own meals at my residence and this is very costly, spending around $40 per day since I took possession of this home.

Review: I am trying to get in touch with someone from Fannie Mae regarding my mortgage that they sold to a servicer, that I believe to be fraudulent or a scam. I have called twice and cannot get to talk with someone who can help to resolve my issue. I keep getting transferred and sent to a voicemail system where "they will call you back". I am still waiting from 9/11/13 for a call back. Called again today and same thing. I want a person to contact directly and can help with my mortgage issue. I have had nothing but problems with the company servicing my loan that I pay in full every month. I have contacted the Attorney General of PA and the Consumer Finance Protection Bureau and filed complaints against the servicer, I have no qulams in filing against Fannie Mae as well, if I do not get a response.Desired Settlement: I want Fannie Mae to fix the problem they created when they sold my mortgage loan to a debt company rather than a bank. They had the POWER to create this, they have the POWER to fix by selling my mortgage to a reputable company. I believe there is fraud going on and I want the comapnies involved prosecuted to the fullest extent of the law. I will not quit until I get a resolution.

Review: The contract is a Minnesota Statute 500.245,the right of first refusal. This gives the foreclosed homeowner the right to purchase their home the same terms as a third party is going to do. On Sept.5,2012 I found that the price of our property was listed at $56,900. I emailed the realtor and found out that a third party was in process of buying. I then exercised our right of first refusal. On Sept.10,2012 I received a phone call from the lawyers. I was asked several times to name a monetary sum to waive our right(a bribe?) I said none we wanted our property. The property was taken off the market on Sept.19,2012. We waited for the next step of the statute which would be a good faith letter. This encompasses our agreement to purchase the property same as third party. We heard nothing. On Oct.25,2012 I called the lawyer. He said that price was no longer viable. I knew for a fact this was a lie. He would not discuss it with me. He was rude and intimidating. He said we would be getting a letter. We received a letter in Oct. and Nov. saying the property was going to be put back on the market. On Feb 2013 it was put back on the market. A buyer offered $166,000. Then we receive a good faith letter. This was cruel mean and spiteful. They knew we couldn't get a loan for that amount. We never waived our right. Therefore our right of first refusal should have still been valid. We have 3 years to file a lawsuit.

To be honest I wonder whose decision it was to ignore and be in violation of the statute. I doubt if it was the CEO. So who? I also wonder if the law firm ([redacted],[redacted] and [redacted]) did this on FM behalf. I believe that when I exercised our right that I had known something the lawyers didn't. I believe they are spiteful and do not like to lose.

We would have gotten the property for $100,000 less than we owed. Could this be a petty reason to ignore the statute? Why would a company which boasts billion dollar payoff to taxpayers and trillion dollars care about a mere $100,000? Could they be that petty?

I do not know who was responsible for this violation lawyers or FM employee? I doubt it would be the CEO/President. That is why I am filing this complaint addressed to him. I sent a letter but doubt very much if he gets it. Property address:[redacted]Desired Settlement: We did not waive our right. I want our right of first refusal to be validated and the process of the statute followed. The other to be invalidated.

We would receive the good faith letter and proceed to purchase the property at the price $56,900.

The blatant disregard for the statute is criminal . It is a law and FM or the lawyers chose to ignore and violate the statute. They should be held accountable. Our right of first refusal is valid and it needs to be followed .

Just because we are not affluent like these lawyers or a huge company like FM the law still should apply.

When I contacted the realtor who sold the property he rudely told me to talk to the lawyers. He did not say FM

Please please help us. We are the victims of wrongful foreclosure and predatory lending. We have loss thousands of dollars to two law firms. We don't trust lawyers and really don't want to pursue a lawsuit. I believe with your help possibly this can be resolved.

Review: My personal belongings were wrongfully thrown to the curb by a representative of [redacted] and fannie mae named [redacted].

My personal belongings were wrongfully thrown to the curb by a representative of [redacted] and fannie mae named [redacted]. I lost my house and did the cash for keys which had me leaving the property on feb 17th. If for any reason I was not out on that date I was told not only by the judge but also by [redacted] that I would have 7 days until the sheriff's office evicted me. The eviction process started on 1/26 and I was told I had 30 days legally until I had to be out. Because of [redacted] I am without a lot of my personal belongings which included a large portion of things that belonged to my wife that was killed a year ago. I am hoping to resolve this outside of court however am fully prepared to take this to the courts to get my things back or paid for. I lost a lot of things that will never be able to be replaced.Desired Settlement: Will discuss what is fair with rep.

Review: I filed bankruptcy on my home in August 2011. Recently I have started the Deed in Lieu of Foreclosure process. Fannie Mae authorized the Deed In Lieu but requested I sign a promissory note for over $33,000. They have no right to ask me for any money do to the bankruptcy. Isn't this illegal? All they are trying to do is not take the property as it is upside down. This is highly unethical as the goverment has already bailed them out. It's not only bad enough that my credit was ruined do to the bankruptcy but it will be further damaged by Fannie Mae reporting the Deed in Lieu or foreclosure. Either way they are getting the property back. It's just another way to put the screws to the little people who desperately tried to do the right thing. Honestly do they thing millions of Americans wanted to lose their jobs and their homes? Yet Fannie Mae still survives...it's disgraceful. I wish I had the means to take them to court and set a precedence in the treatment of all involved in a situation like this.Desired Settlement: I only want them to take the property back as a deed in lieu and provide me with funds to assist me with finding a new place to live.

Business

Response:

October 15, 2014Dear [redacted],Thank you for contacting Fannie Mae. We have confirmed that Fannie Mae does not own this loan for case ID [redacted].[redacted] may have a [redacted] loan or a loan held by another investor under the Making Home Affordable Plan. Please visit www.makinghomeaffordable.gov which will guide you through your next steps.Thank you again for contacting Fannie Mae.Sincerely,Sergio Fannie Mae's Resource Center

Review: Fannie Mae promotes this 15 day look period in which they say that it is for owner occupancy only, while I have put 3 offer with 2 that were above the price they had on their Home Path website the agent has not been able to tell me why I have not been approved. The first excuse was that I didn't put an offer big enough, then I made my girlfriend call the agent acting as herself utilizing her middle name to see if the property had really got accepted for someone else, well the agent calls her back in less then 2 hours and tells her the other offer "fell threw". I then offered 12,000 above the price and they once again rejected my offer but my agent keeps calling her and she gives him maybe answers. I call [redacted] and they don't have answers either they keep telling someone will get back to you and its been over week and half. I want at least a response being that I served my country and now they are taking our tax dollars and treating everyone like garbage.Desired Settlement: Explanations of the rejected offers as well what they are looking for when people make offers

Review: Fannie Mae and/or its servicer, [redacted]., refuse to provide me with monthly statements and payment coupons although I faxed a written request to [redacted] as a result of speaking with an agent.Desired Settlement: Any reasonable person understands that in order to make a payment one needs to know what, who and how much they’re required to pay. For example, a person pays their utility bill according to the monthly statement sent out by the light company. In closing, because Fannie Mae and/or [redacted] refused to send out monthly statements, it appears that I am not trying to make my mortgage payments, which almost resulted in my property being foreclosed on.

Review: I write to you in hopes that my situation can be resolved and corrected so that I can be able to get my mortgage lowered to a much comfortable interest rate. Please note that I’ve done everything right in trying to lower my interest rate prior to writing to your office, only to be told that I couldn’t get my interest rate lowered under the HARP 2 program, or told that we do not do refinance to “how about the Modification Program”. Please note that my attempts to lower my interest rate does not have nothing to do with me having “bad” credit, which I don’t have. I have excellent credit and can qualify. The issue is that each lender I’ve contacted to obtain assistance in refinancing under either the current HARP 2 program or FHA loan has been unsuccessful in getting me information loaded into an “underwriter system” that will allow me to refinance down to a 4.25 percent. From my understanding (and what each new lender as noted below, it is how my loan was structured. HISTORY: I am a homeowner who purchased a townhouse in November 2006 through [redacted]. At that time, I informed the loan specialist, [redacted] that I preferred a 30-year fix mortgage. Upon going to settlement on November 24, 2006, to my surprise, [redacted] (the Lender) placed me in an ARM. I was unaware of any 2-mortgage loans (ARM) until I went to settlement. Thus, I was stuck and could not back out having signed a contract with the seller. On or about December 2007, and upon selling my condo, I quickly refinance out of the ARM to a 30-year fixed through [redacted] The person I spoke with was [redacted], loan specialist who is employed with [redacted]’s location. I was given [redacted]’s name by another [redacted] loan representative. I contacted [redacted] to inquire into refinancing out of the ARM into a 30-year fixed mortgage. [redacted] asked and received the normal personal information (i.e., full name, SSN, property address, etc.). She then presented me with two different loan scenarios (see enclosed November 2007 analyses) based on the information she received from me. On or about September 14, 2007, I received a congratulatory letter from [redacted] that my loan was approved for $183,500.00 at an interest rate of 6.125 percent. On or about January 10, 2008, I then received a different congratulatory letter from [redacted] with a different loan number also indicating that I have been approved in the amount of $212,915.00, interest rate at 7.00 percent and that the type of loan is a 30/40 year fixed, community commitment pro. (What is that???????) In short, I have never been late in paying my mortgage to [redacted]. Since the beginning of the first HARP program, I had been trying to get my current mortgage interest rate down from 7 percent to a more comfortable monthly payment. On or about September 2008, I contacted [redacted] concerning assistance in refinancing my current interest rate to the lowest interest rate under the HARP program. Since my mortgage originated with [redacted], at that time, the person I was asked to contact to assist me was [redacted]. Once I’ve spoken with [redacted], he asked that I submit the following information to him: (1) copy of driver's license; (2) copy of bank statements; (3) pay stub (2 weeks)); (4) tax for 2005-2006; (6) mortgage statement, and (7) any investments. I gathered the necessary documents and faxed to [redacted] at [redacted]. I did not hear back from [redacted] until I contacted him sometime in October 2008 to which he indicated that he could not help me. Having been unsuccessful in 2008 to receive any form of help to reduce my mortgage to a lower interest rate, I became so frustrated knowing that I am receiving a run-around, excuses and roadblocks in trying to lower my interest rate, I did not know where else to turn to. On or about June or July 2011, and prior to the federal investigation into the 5 major banks for fraud, I received two letters from [redacted] that my mortgage was being “transferred from [redacted] to [redacted]. effective August 1, 2011.” However, and prior to receiving this second “transfer” letter from [redacted], I received a previous letter from [redacted] notifying me that “. . . effective July 1, 2011, the servicing of my home loan by [redacted]’s subsidiary – [redacted] Home Loans Servicing, LP, will transfer to their parent company – [redacted] N.A.” Having been through a horrifying ordeal in trying to negotiate lowering my interest rate, I continued to seek assistance under the HARP programs using other lenders such as [redacted] (issue with getting Fannie Mae to release loan through their underwriting system.); [redacted] (same issue with Fannie Mae loan. [redacted] informed me that Fannie Mae and [redacted] placed a "credit enhancement" on my loan); [redacted] (same issue), and now, [redacted] (could not get my loan application their underwriter's system and is based on the same issue concerning an LPMI). As of October 19, 2012, I have not been able to receive any form of assistance in lowering my current interest rate under the new HARP 2 program. I am asking and requesting assistance and legal recourse against both [redacted] and Fannie Mae for what I ultimately found out and understand through my own research (see attached article on LPMI) on what an LPMI and credit enhancement is. There may be the possibility that [redacted] and Fannie Mae have placed hidden fees on my mortgage loan, causing me to be tied to a 7 percent interest rate. There is no documentation on the HUD-1 document or any of the loan documents I received during my 2007 refinance with [redacted] that indicate I will be paying LPMI fees. I am unable to receive help to reduce my monthly payments without going through the only program RCS has, the HAMP. I do not want the HAMP knowing what I know about the HAMP. Also, I have contacted every conceivable Homeowner’s Program to include attending the MakingHomeAffordable vendor’s stand at the January 2012 Health Screening in ** at the Convention Center to include contacting my state representative on this issue. No one wants to help.Desired Settlement: To be able to lower my current interest rate under the HARP program without hindering any lender I chose to assist me.

Review: A illegal foreclosure was performed,proper documentation was submitted but ignored and I was not offered a loan mod 31% of my income.

I am currently renting for a company [redacted] which is a [redacted] property for $1250 per month after being put out my home through foreclosure. I am seeking to move back into my home. I was approved through [redacted] for a $1350 monthly payment and I was on that payment for 3 months then it was raised to $1683 which I stressed and noted that I could not afford.

My complaint is that why could they not assist me with a lower payment instead of putting me out of my home and me having to rent through one of their companies which I chose but did not know it was a [redacted] property until I saw my lease. Even after receiving disability they would not work with me on saving my home without paying approximately $50,000. I did not receive that in backpay from Social Security.

I want my home back at [redacted] NC [redacted] and I feel I was illegally put out my home and I tried continuously to receive a modification but no one would assist me within the company. I worked hard and I had no idea I would be put out my home because I got sick and was proven disabled.

I don't mind going to court because something has to be done about people on disability loosing their homes. I have researched and the only ones that get modifications are the ones that can afford lawyers at $3000-5000. If I had that type of money I would pay to mortgage and you should not have to get a lawyer in order to get your payments lowered to a smaller amount.

I initially had a modification but when I was taken out of work by my doctor and was advised to discontinue working I called [redacted], my mortgage company and the representive explained that they had a program for that purpose. So I received all info to get a modification again. I refilled out paperwork but was denied over and over again. I feel it is unfortunate that I went through all that stress when an agreement could have been reached for a lower payment. I don't feel like anyone in the office at [redacted] was truly assisting me in getting a modification. I even had family will to assist me in helping me pay once modified. I sent payment in and it was returned.

This is currently a company called [redacted] realty is working with the home and has listed as a sale property...office # is [redacted] at that company # [redacted]

On 4/18/13 I received a letter stating that I had exceeded the number of modifications allowed by investor. And I do not meet the investor requirements.

I was denied forbearance, and ther ear no programs for people receiving disability so I assume the goal is to just kick them out their homes and force them to foreclose and rent another property which is at a rate that could have been settled with their mortgage company from the start.

Currently a company called [redacted] realty is working with the home and has listed as a sale property...office # is [redacted] at that company # [redacted].

1/30/13 s/w derrick, active foreclosure.sale date 2/28. Depends on investor of what they need for you to stay in home.. They can get information together for me loan specific to stay in my home not just definition of terms.

2/1/13 s/w [redacted] 9:47 am/[redacted] in but not at the desk possibly, transferring me to [redacted]..[redacted] had a voicemail which stated out of office until 2/4/13 stated to push 0 to talk to [redacted] xtension [redacted]..[redacted] answered phone and she was sending a message to [redacted] and [redacted]. [redacted] is [redacted] extension not [redacted] per her voicemail. [redacted] tried to contact [redacted] . [redacted] stated [redacted] would call me back and documents were here, and sent email stating documents here, need status update, reactivate for review. [redacted] was not at desk and [redacted] stated he should call me back in an hour. I let her know this was important and I was still awaiting call from [redacted] since 1/23/13 -end of business day....

2/4/13- s/w [redacted], emailed [redacted] (HPS) , no response from her so called her ext. no answer. I left message on vm staDesired Settlement: I am requesting [redacted] nc [redacted] be utilized as a rental property and I be able to rent it. I am currently living in a [redacted] property and was offered a program rent to purchase on this property ([redacted] nc [redacted]). I request the same oppurtunity to rent to own the property located at [redacted] nc [redacted]. This would give me the opportunity to rent to own my previous home through the same company. I am requesting sale sign be removed and opportunity to rent be given to me, [redacted].I have been in my current home in [redacted] for 8 months and have not been late on my rent and this should show that I was not offered a resonable payment or I could have done the same in my own home in [redacted].I request options on getting back in my home and ways I can file a case against [redacted] if necessary. I am still requesting consideration for a Making Home AffordaleModification program. I would love to stay in my home. That is the only income that I currently recieve which is current gross of $3750 per month and I am still getting infusions at [redacted].I am not able to afford $1683.00 per month and I was not aware of my options at that time but I did request that my loan be looked at further for review. I was able to maintain payment until doctor requested me to reduce hours on 2nd job and then to stop working due to reduce symptoms of my chronic medical condition (lupus). My doctor continues to relate my flare-ups due to stress which is a symptom of Lupus...I want to maintain may same lifestlye with adjustments due to disease which I have learned to cope with and I fight this disease daily and try to work just so I do not have to be a statistic. I am willing to look at all options to stay in my home. I am unable to do this without another chance. I dont want to get further and further behind...I feel I can make the minimum of 3 on time payments if they were affordable payments. I have sent all necessary paperwork prior to this necessary for reconsideration please review so that I can maintain my home. Thank you for your consideration in advance. If you need additional paperwork/documentation please let me know.[redacted] NC [redacted]On 4/18/13 I received a letter stating that I had exceeded the number of modifications allowed by investor. And I do not meet the investor requirements.I was denied forbearance, and there are no programs for people receiving disability so I assume the goal is to just kick them out their homes and force them to foreclose and rent another property which is at a rate that could have been settled with their mortgage company from the start. Currently a company called [redacted] realty is working with the home and has listed as a sale property...office # is [redacted] at that company # [redacted]. I'm requesting that individuals with disablities get to stay in their homes and I would like the opportunity to move back into my house I received Social Security Disabilty approved 01/2013. I also think that I submitted all required documentation asked of me and that I should be granted rights back to home even if it is at a rental price thank you.

Review: When you decide to purchase a home you experience the feeling on excitement because you are now

able to become part of the American dream. After months of searching for a home that I can see myself living in, I

finally found one [redacted]; the home was listed for $171,000 as a Fannie Mae HUD

House. I was ecstatic when my offer of $190,000 was accepted on 2/23/13 with the condition that I pay the

difference in the house value if the home does not appraise for the offered price. I agreed to the offer and went to

my realtor’s office and signed the paperwork initiating my escrow on 2/28/13. My escrow was scheduled to close

originally on March 29, 2013 in which was contingent upon lender require repairs as followed 1. Gas to be on 2.

Stove and Dishwasher to be installed 3.Two Front broken windows to be repaired 5. Toilettes to be repaired and

flush properly because the seat and the chain and stopper were missing 6.Heater to be repaired because the gas

was not on as instructed in which prevented the unit from heating up 7.Automatic Garage door to be repaired or

reconnected because the cable cord was missing and the shower doors to be reinstalled because they were

removed by the seller in which were originally attached upon initial inspection. The appraisal and inspection were

completed on 3/16/13. I waited for the two weeks for the seller to send over the escrow paperwork in which wasn’t

done until 3/15/13. The listing agent [redacted] has been rude and non responsive to my agents call and

emails. He has complained and no one seems to care about our concerns. I have never had some show such a

lack of consideration for my feelings or finances. I have paid $460 for an appraisal in which is costing me an

additional $150 for the re-inspection, Two weeks extension on my rent cost me $775, $175 for the home

inspection, and these are not even including the cost for me to move twice because the agent is failing to

complete thDesired Settlement: I want this property to close and be done and over with.