What happened is that I submitted a loan modification to my lender Crown Mortgage Company my account # is XXXX there phone number XXXX back on XXXX/XXXX/2015 I provided all the documents necessary that Crown asked for a proper review. Last document that the lender asked for was a water bill that I faxed over on XXXX/XXXX/2015 for them to have a complete package to submit to underwriting to review. I then receive a denial letter on XXXX/XXXX/2015 that was dated XXXX/XXXX/2015. From what I was told from numerous attorneys is that when the lender has your file complete it takes a minimum of a week to properly review a file check with FHA guidelines escrow analysis and what not. There was no way that Crown could decision my loan modification in 1 day. Crown said that the loan modification was rendered unaffordable do to my finances which as they have calculated is a lot less then what I submitted to Crown mortgage. 
