Nationstar Mortgage Mortgage company stealing money from my Mother Lewisville, Texas

NSM is unaware of who the insurance company is or even if it's covered at all, and the home must be covered.  Odds are, they contacted your mother before putting insurance on the property.  Odds are, the insurance prem that they put on the home is double then what you would normally pay.......because they don't know the home or anything; so they insure it for everything that is avaiable and for more then what is needed.

What you are saying is not a ripeoff.....is more like NSM job, they are protecting the investor of the loan from a full loss.

If you are willing to spend some time on the phone you can get this straighten out.

From your brief description, it sounds like Nationstar is charging you for 'forced placed' insurance. Any of the mortgage companies will do that if you don't have homeowners insurance OR if you do have homeowners but for some reason the servicer doesn't have a copy of it on file. It is especially common when the loan is sold for the proof of insurance to go missing. Contact the servicer, provide proof of homeowners insurance and have that forced placed insurance removed. You will have to be persistent because once the servicer has placed this type of insurance on the loan, its tough to remove because its a high profit item for the servicer. Keep a record of your written correspondence to the insurance division of your servicer. Stay on top of them until they remove it.

If you have proof of continuous coverage from your insurance company, I would also report it to the consumer protection bureau too. One last thing, file  RESPA letter with Nationstar so you know where all the mortgage payments have been applied too. Be careful here, I have seen servicers put consumers in foreclosure as a result of forced placed insurance. This is something that needs to be addressed right away.