I had a similar experience with Aurora, as all of you. Aurora has done all it could not to help my husband and I keep our home. Here is my story:

I purchased my home September 2006. The loan was with First Magnus. It was set up as an 80/20 loan. Shortly thereafter my loan with First Magnus was sold to Aurora Loan Services. I am not sure which bank corresponds with Aurora Loan Services. In April 2007, I lost my job and was not able to pay for my mortgage. I contacted Aurora and explained the situation to them. I asked them for a work up or a differed payment for a few months until I would find another job. They refused to help me, because I was making my payments on time. A few days later I was served with Foreclosure papers.

I struggled to make payments on time. In 2008 out of desperation I contacted Majestic Properties for a loan modification. I hired them. Their fee was $2000 and I paid them $1500 down for this service and gave them power of attorney to communicate with Aurora on my behalf for a loan modification. They did very little for me, as they were telling me that Aurora was unwilling to cooperate with them.

In March of 2009 my husband had a triple bypass surgery. Now he is on Dialysis. I provided Aurora with the hardship letter and proof from his medical records from his Doctors.
I was keeping in touch with Majestic Properties office on a weekly basis.
Finally after almost three years and many letters and phone calls, not to mention numerous foreclosure cancelations, Aurora agreed on a work up based on a three month trial period. Aurora sent me the paper work. I took it to Majestic Properties to have assistance with this process. I filled out the paper work and submitted it to Aurora. I was to pay them $840 a month for three months after which my case would be re-evaluated. I made my monthly mortgage payments to Aurora on time. After the initial three month trial period they re-evaluated the case, I re-submitted all the paper work they asked for all over again, and I was approved for three more months. Again I was making my monthly mortgage payments on time. I was cooperating with them fully.

When the second set of three month trial period was up, I re-submitted the paper work they had asked for again. The paper work was faxed from Majestic Properties while I was in their office. The loan modification associate was on the phone with an Aurora representative. The fax went through but the Aurora representative stated they did not receive it. This was not the first time that Aurora representatives stated they did not receive pertinent information from me, which I had indeed sent them. I was always gathering information and running around trying to give them the appropriate information as they requested.

It is important to mention that while I was in the middle of this loan modification process Aurora placed a note on my garage door with date for the trustee sale, on two separate occasions. Why would they do that, if I was complying with this work up, and making payments? They made it impossible for me to continue with the modification.
Finally Aurora was no longer cooperating with the modification, and I had no choice but to start a short sale process. Mean while the two loan modification specialists that I was dealing with at Majestic Properties formed their own company named Foreclosure Short Sale Specialists LLC.

Shortly thereafter they started having financial difficulties and they were no longer handling my short sale case. They had helped me a lot with many foreclosure cancelations and submitting paper work to Aurora, but there was never a successful loan modification done by them, nor a short sale. Seeing how Foreclosure Short Sale Specialist LLC was no longer representing me with the short sale, I contacted my Realtor and he contacted Aurora and started the Short Sale process all over again.

The other day I found out that Foreclosure Short Sale Specialists LLC defrauded many people. They charged them lots of money for short sale and loan modifications and never did a thing for them. Their office is closed now and they fled town.

November 2009 we put the house up for short sale and my Realtor sold it in June 2010 for half the price I bought it for.

I had every intention to keep my home and cooperate with Aurora. My only options were short sale and foreclosure. The loan was solely on my husband’s name and I did not want his credit to be ruined, by foreclosing. His credit was adversely affected anyway because of Aurora was cooperating and dragged the process out for many years.

This was a difficult time for me because my husband had just had major heart surgery and I was not able to inform him of the stress Aurora was inflicting on me. My husband was not to be under any type of stress after his triple bypass surgery.

Banks took money from tax payers in bail outs to help those affected by the economical crisis yet they did nothing to help us stay in our home, there for if there is an Attorney out there considering class action law suits I would like to be included. You can reach me at my e-mail address [email protected].