Hi my name is Keith, I’m 61 yrs. Old and live in Ohio with my wife and 3 dogs, and we are about to be homeless because our mortgage company keeps adding money to our loan without our consent and won’t listen to anything we say to them.
In 2023 we needed a new roof because it was 20 yrs. past the 25 yr. shingles and was going to use our home equity to get a loan for a new roof and other home improvements. We found a company that would fund that and the payments would be affordable. Everything was good for about a year that is when it started, yes, we have been fighting with them for over a year and getting nowhere. When we closed in September of 2023 the mortgage company was going to pay that half years property taxes out of our payout. Which they did send a check to our county property tax office, but the check got there 3 days after the county sent the lien to a collection agency. When my wife went into pay next year’s taxes the tax office told my wife that the check was sitting there in an account and because it wasn’t made out by us that we needed to call the mortgage company and have them call to have the check released back to them and send it to the collection agency. We called the mortgage company 2 or 3 times telling them that and one of the ladies we talked to even said” Honey you have no idea how many times this happens we will take care of it” and we let it at that. March of this year 2026 we had a sheriff on our property serving us papers that there was going to be a sheriff sale if we didn’t pay our back taxes. We called the mortgage company and explained this to them, and nobody could understand what we were saying. After 3 or 4 times screaming about this, because we only had 30 days to pay this, they finally did something. They paid $10,535.45 for back taxes because that check has been sitting there collecting penalties for 3 years and no one ever made that phone call. The mortgage company pushed that off on us and added that amount to our loan driving our payments from $454.49 to over $2100 a month in the form of escrow. Now our loan is a fixed rate, no escrow loan, we pay our own insurance and property taxes. We cannot afford that and we are going to lose our house because nobody ever made a phone call. My wife has a part-time job, and I have battled AML leukemia for 8 years and had a heart attack last October. I was collecting social security disability, but my oncologist cleared me in April of this year which stopped the SSD and have been out of work for better part of the year. My wife and I are hardworking, good work ethic people and try do everything right and by the book. We never have asked anyone for help so doing something like this is totally out of character for us, but we are out of options and time. I truly believe there are good people out there willing to help others out and would pray by God’s will we find them if not well I guess that’s gods will also. I thank anyone who took time out their life to read this and by the grace of God to anyone one that would help us that there be a special place in heaven for all of you
PayPal.me/KeithShoener