LoanCare review: Mortgage servicer ( 1 comment)

I am submitting this complaint regarding the handling of my FHA mortgage loan servicing and ongoing loss mitigation efforts by LoanCare.

I have experienced repeated servicing issues, inconsistent communication, and failure to properly review my account for FHA loss mitigation options despite extensive documentation of ongoing medical hardship.

Timeline of events:

- Prior to my current forbearance, I was placed into a three-month trial payment arrangement that ultimately was not properly honored or resolved.
- I was later presented with loan modification terms that appeared financially unsustainable and unaffordable under my circumstances.
- Shortly thereafter, I suffered a significant spinal injury and became medically unable to work, resulting in the need for mortgage forbearance.
- I have since provided updated medical documentation from my treating neurosurgeon confirming that I am not medically cleared to return to work or seek employment until at least August 2026 pending rehabilitation progress and reevaluation.
- I am currently receiving substantially reduced income through unemployment benefits.

As my current forbearance period approaches expiration, I have repeatedly contacted LoanCare requesting review through the FHA loss mitigation waterfall process, including FHA Payment Supplement and Partial Claim options that appear more appropriate for my documented hardship situation.

However:
- LoanCare representatives repeatedly fail to return promised phone calls;
- Emails frequently go unanswered;
- I have not received clear written confirmation that my account has been reviewed through the FHA waterfall process;
- The only options repeatedly presented to me have been either a large lump-sum reinstatement payment exceeding $20,000 or another short-term trial repayment arrangement that does not appear consistent with my documented medical inability to return to work.

I am extremely concerned that my account is not being properly evaluated for available FHA loss mitigation programs despite my ongoing hardship and repeated requests for assistance.

I am requesting:
1. Formal review of my account servicing history;
2. Confirmation that my account is being properly evaluated through the FHA loss mitigation waterfall;
3. Written clarification regarding all available FHA assistance options;
4. Assurance that foreclosure or default-related actions are not improperly pursued while my hardship review remains unresolved.

I have made repeated good-faith efforts to communicate, provide documentation, and resolve this matter, but I continue to experience significant difficulty obtaining clear responses or meaningful review of my situation.