I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB. 
