StressedinCA
LoanSafe Member
I was past due 2 months when covid started but just couldn't catch up. I am in California and have a non federally backed mortgage. The lender filed a notice of default and election to sell in February 2021 but then after multiple calls I was offered a 3 month forebearance that ended on May 31st.i kept logging into my account because it said I would be contacted 30 days before the forebearance ended and offered a repayment plan. That call never came so I started calling them back. They said I wasn't eligible for any covid relief and was told to submit a request for mortgage assistance. I immediately got my paperwork together and uploaded everything. After that it's been one thing after another with them asking me to resubmit documents.
I finally received a letter stating my application was received effective 6/15. I logged into my account and it said package was in underwriting as of 6/17. The letter stated it would take approximately 30 days to make a decision but all foreclosure actions were on suspended.
Late Friday night I received an email saying there was an mortgage assistance update on my account. I logged in but it still says in underwriting. I was left with a sick feeling.
On Saturday we started getting phone calls from real estate agents and they said there was a trustee sale date filed. Sure enough it's scheduled for 7/27 and the status now says active but I never received any notice and I don't see anything recorded on the county website.
What does all this mean? Was I denied for a repayment option and I just haven't received a notice?
Thankfully my income is back to normal so I know i can afford my mortgage. I'm sorry for the long rant but I can't find my way out of this and really need some advice.
Thanks.
I finally received a letter stating my application was received effective 6/15. I logged into my account and it said package was in underwriting as of 6/17. The letter stated it would take approximately 30 days to make a decision but all foreclosure actions were on suspended.
Late Friday night I received an email saying there was an mortgage assistance update on my account. I logged in but it still says in underwriting. I was left with a sick feeling.
On Saturday we started getting phone calls from real estate agents and they said there was a trustee sale date filed. Sure enough it's scheduled for 7/27 and the status now says active but I never received any notice and I don't see anything recorded on the county website.
What does all this mean? Was I denied for a repayment option and I just haven't received a notice?
Thankfully my income is back to normal so I know i can afford my mortgage. I'm sorry for the long rant but I can't find my way out of this and really need some advice.
Thanks.