Complaint Review: US BANK Home Mortgage

The first time in 2008 we tried to get a harp before we got behind in Payments and it took them until 2010 when we were in foreclosure that they gave us a Hamp modification with an adjustable interest rate and added 20,000 to the mortgage.  Now the interest rate went up and so did our payments and they said we got behind in the escrow.  I had canceled our insurance policy and went through someone else and went right to the bank with the check and deposited into the US Bank in Elk River Minnesota.  Nothing was said and we got behind in our payments and I went to get caught up and sent in a check to get caught up with the mortgage payment and they said we were $3000.00 behind in our escrow account and her it was over 6 months since I deposited that check and I do not have a copy of the check because it came from American Family.  I then stopped payment on that check because I did not want to get screwed by them again and was going to let the home go back to the bank.  We had been renting the home out because we no longer could afford the payment because I could not do construction and because of my back we went to FLorida during the winter.  

The women who rented it did over 26,000 dollars of damage and our business policy through American Family listed everything under wear and tear even though you could clearly see in the basement there where watermarks on all the walls and the parquet floor was buckling from someone putting water on the floors and walls and the carpeting even had to be scrapped up.  We should of let it go then but we borrowed money from my mother and put a lot on credit cards and have been trying to sell the home since.

The home is listed cheaper than any other home in the neighborhood and everything has been updated and we still cannot get the home sold and we cannot go any lower and I proceeded in doing another modification and after all has been done and signed and my husband who I am now seperated from filed bankruptcy but I did not.  US Bank has now said we need to pay the escrow in full or the payments will be 1558.59 and that they are no longer going off the modification papers and added a second mortgage again.

I have paperwork showing that we were over in escrow and then a week later sent us that we were short.  I do not have money for an attorney and my mortgage payment per modication is to be 1410.46 and of that 41.63 is to be applied to the escrow shortage over thte next 5 years to keep me current and that the interest rate will not change nor will my payment and it is now 1 mortgage.

However the new statement they sent me says my next payment due is 1558.59 and shows I have 2 mortgages.

I make about 2000.00 a month and have a 300.00 car payment and my cell phone and gas and do not have money for anything else.

If the house does not sell and I let it foreclose because I cannot make the extra 150.00 a month payment I cannot get a home for sometime.  They have put in hardship now a couple times and if I would of gotten the Harp in 2008 I would not even be in this situation.  I need help and do not know how to get it.

It is cheaper to buy in Florida than it would be to rent.