We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home. 
