My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over. 
