American Home Mortgage, Columbia National, American Home Mortgage Servicing Inc., Homeward Residential Mismanage documents then foreclosed on my home Irving Texas

In 2004, I’d reached out to Columbia National’s Loss Mitigation department because I fell behind on mortgage payments due to a divorce. As a result we’d agreed on a Loan Modification which included a Special Forbearance. Years later, 2007, now known as American Home Mortgage (AHM), begin returning payments after I’d inquired about the status of my loan because by now, I should have received a letter stating my loan is back on track and Loss Mitigation was no longer required. Seems someone dropped the ball – sort of speak – and either did not complete the paperwork, did not properly file it, or lost them. This, due to regular communication between self and case manager, seems odd. To this day, I was never given a clear reason, what happened to the agreement. Since 2007 I’ve been told (and have proof) everything from a document was not sign to they did not receive the loan modification initial down payment…from they did not receive payments for approximately 2-years but unsure why foreclosure proceedings were not filed during this time…and so on. To add insult to injury, each proof of payment I’ve submitted AHM would say, “That was applied toward the year before.” Eventually, they’d settled with you would have to prove every payment since purchasing the home in 1998.

By early 2010, I was placed on a short term disability from long time employer due to stress, anxiety, and depression, then long-term disability, and now Social Security disability. Even though, outlandish financial claims were made equity remained in my home, and at time of foreclosure, I had the home up for sale. Although I was giving up on the fight (to save my sanity and out of finances) AHM/Homeward Residential foreclosed.  

I’ve made many attempts to rectify this situation to no avail and was forced out of my home. Now known as Homeward Residential, at the time of foreclosure they claimed I owed approximately $35,000. Several months after foreclosure, I’d received documents from Ocwen Loan Servicer with updated financial information indicating I owe approximately $20,000 less. The documents clearly show the adjustments but after numerous attempts to get clarity AHM said that somehow Ocwen was sent my information and the loan has not been corrected or reinstated.

This company forced me out of my home, caused me my job and sanity, ignored my many attempts, and simply stole my home.