Business ProfileforNova Home Loans

Worst company ever! My husband had heart surgery a year ago and we got behind by 2 month on our mortgage. We reached out to see if we could do a forbearance. They told us we were not far enough behind to get help and to just pay extra on our mortgage to get caught up. Flash forward to *** of this year. I went to make a payment and they locked my account and said the only way they would except any payments at this time was if we paid the past due amount plus out current amount. We couldnt come up with the money right then so they recommended we apply for help with their loss mitigation team. During this time we were not allowed to make any payments. We called them regularly for updates and was assured multiple times that everything would me fine. We filled out the paperwork exactly how they asked only using my information since its just me on the loan. Then we got a denial letter. I called back and asked why, they said I could no longer afford my home loan which made no sense, I now make more then I did when I got the loan. They said I could appeal and put in my wifes income which is what they told me NOT to do the first time. So I re did the packet. This whole time they still wouldnt let us make any payments putting us further behind. Now almost $10,000 They then called us and offered us a 6 month repayment plan of an additional $800 per month. We verbally accepted. Then we got a letter to verify that it would be a 12 month repayment plan. The company does not communicate with each other or with its clients. It put us in a horrible situation. If we would have been offered a repayment plan for the 2 months we were behind it ($3600) we would have been so much better off. I own being behind by the 2 months. But they forced us into the other 3. When I mentioned this, they tried to cover themselves by having an in house ins.rep call us and he even admitted our case fell through the cracks. And the plan should have been set up/offered at closing 3 years prior.