In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well. 
