mortgage payment is based on $187, 000.00 and the home is only worth $77, 000.00 in a low income proverty area of Sacramento, CA. Tried working with Saxon to modify loan. After denial of recieving paperwork and faxes i was denied. now I owe back payments as well as current. Monthly payment requested is $1, 870.00. Need help in keeping my home. Tried NACA also with negative results

I sent Saxon mortgage a large downpayment in order to set up a repayment agreement. They gave me NO choice at the repayment amount; that caused me to apply for a loan modification in 2008. Believe it or not this had been going on up until I had to file chapter 13 in 2010. The government should force ALL these mortgage companies to reinstate consumers loans from 2007 on and add their delinquencies at the end of their loan without penalty. It took 2 years to get an answer for a modification but, when I sent Saxon a two month payment due to a chapter 13 mix up they went to court 2/16/11 to withdraw my mortgage from the bankruptcy but, CASHED my check on 2/18/11. Now I'm paying $166.67 more than I should for what. I WILL NEVER use Saxon Mortgage again.

Our mortgage was sold to Saxon in March 2010. They are the 4th company to have our mortgage. Since they have aquired our loan, we have had nothing but terrible customer service. Up until 4 months ago, they would call me 4 or 5 times a day and harrass me for our mortgage payment when they didn't receive it on the 1st. They even state on thier payment stubs the payment isn't considered laste until after the 16th. I have tried since Jan 2011 to get loan modification paperwork and they sent out paperwork, but of course it wasn't the right packet, go figure. Every month, I call on the 1st to let them know they will get my payment on the 16th. Also, when I call and ask for the modification department, because there is no direct number for anyone that works there, I get transferred to 3 or 4 different departments and have to keep repeating my story to them. Today, I finally got in touch with the modification department and they were supposed to email some paperwork and it's been 3 hours since I hung up and still have nothing. Saxon Mortgage has the worst customer service I have ever dealt with. I've tried to see if I can refinance at other banks, and our house isn't worth what we bought it for and they can't help us. I wish the people who worked at this company (Saxon) had better attitudes and work ethics and would actually like to help their clients instead of making them upset and frustrated.

WE HAVE A LOAN WITH SAXON CALLED THEM LAST WEEK TOLD US OUR HOUSE WAS IN FORECLOSURE. THEY HAVE NEVER SENT US ANYTHING STATING THAT THIS WAS GOING ON AND NOW HAVE CHARGED US WITH THERE LAWYER FEES WE HAVE ASKED FOR HELP HAVE SENT UNCOUNTLESS PACKETS TO THEM AND STILL NO HELP THEY CAN NEVER DO ANYTHING NOW WE HAVE TO PAY 1500. FOR THERE LAWYER AND 5000.00 TO KEEP HOUSE DO NOT EVER USE THIS COMPANY THEY ARE WORTHLESS TO NO END

I thought I was working towards a mortgage modification, I waited 5 months to find out I never would have been approved due to my very low interest rate. While waiting for approval, I have been slammed with attorney fees, court filing fees, and inspection fees, totaling over $4, 200.00 which I am expected to pay back. I have been told my every rep at Saxon not to worry, as I'm now in a very high repayment plan, but the fees are a huge strain and complete robbery. I waited to be approved for a modifation that I could never be qualified for. I have been threatened with a foreclosure many times, notices on my door and nasty letters in the mail, even though I've been making payments. Nobody appears to know whats going on, the left hand doesnt know what the right hand is doing! I want to save my home, but Saxon is making it very difficult to do so!!!