I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help. 
