HUD Partial Claim

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KarlMb

LoanSafe Member
Feb 14, 2021
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We bought our home in August of 2015. In 2016 due to my health I wasn’t able to return to work, so we thought we would do a modification. We are in the process of selling our home and just found out we owe more than we paid for it. How is this possible? We were told we owe HUD $50,000 on top of our mortgage payoff, which is more than we originally paid for our home. We have reached out to HUD and are still awaiting a call from them but, if we sale our home why should we owe more than our original note?
 

MatthewSlisp

LoanSafe Member
Feb 14, 2021
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HelenCr

LoanSafe Member
Feb 25, 2021
1
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Hello KarlMb, would you share your follow-up on this? I am assuming that because you modified your loan to lower your payments back in 2015 (which is a completely new contract and terms voiding the original, if I am not mistaken) your loan was extended to accommodate the lower payment. Extending terms also extends the interest, creating a larger balance due to the amortization calculations. My question is what explanation has come from the real estate agent, title company, or HUD, and was it possible to get an answer from HUD?

We bought our home in August of 2015. In 2016 due to my health I wasn’t able to return to work, so we thought we would do a modification. We are in the process of selling our home and just found out we owe more than we paid for it. How is this possible? We were told we owe HUD $50,000 on top of our mortgage payoff, which is more than we originally paid for our home. We have reached out to HUD and are still awaiting a call from them but, if we sale our home why should we owe more than our original note?
 

KarlMb

LoanSafe Member
Feb 14, 2021
2
0
1
HUD still has not called us back. I’ve spoken with someone twice that said someone would call us and no one is returning our calls.