Anonymous
Struggling to pay mortgage: Mortgage
I am submitting this complaint regarding my FHA-insured mortgage serviced by Lakeview Loan Servicing . I understand that I previously received a Trial Payment Plan that I was unable to complete. I sincerely regret that outcome. At that time, I was experiencing financial hardships that prevented me from making the required trial payments. Since then, my financial circumstances have improved, and I am now in a better position to successfully complete a loan modification. My goal has always been to keep my home, and I am fully committed to complying with the terms of any retention option that may be offered. When I recently contacted Lakeview Loan Servicing, I was informed that because I did not complete my previous Trial Payment Plan, I am no longer eligible for any additional home retention options. I respectfully requested that my case be escalated for an exception review, but I have not received confirmation that such a request has been made or considered. I understand that FHA loss mitigation guidelines exist ; however, I also understand that mortgage servicers may escalate cases for additional review when there are compelling circumstances. I respectfully ask that Lakeview conduct a management-level review of my file and determine whether an exception can be requested or whether any other available FHA home retention option may still be offered. I am not asking that the rules be ignored. I am asking that my current financial situation be fairly considered and that every available avenue be explored before foreclosure becomes the only outcome. I am prepared to provide updated income documentation, bank statements, hardship information, or any other documents necessary to support my request.