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Whether through misunderstandings, sloppiness, or alleged acts of incompetence, some mortgage lenders have left struggling homeowners in the Houston area feeling like they were tricked into foreclosure.

Case in point: Ray Coleman Jr., a homeowner who is fighting to save his Missouri City home.


“I felt like they were really being extremely shady,” said Coleman as he sat in the front yard of his one-story home, which was built in the 1970s. Neat-as-a-pin properties valued in the mid-$100,000s surrounded his home in the cul-de-sac.

”It’s a wonderful place to bring up a family. And now you want to disrupt all of that,” said Coleman of the foreclosure mess he faced.

In March, he lost his IT management job at BMC Software. But with unemployment benefits and his wife’s income from her job as a counselor, he said he figured they could keep paying the mortgage if he could get a reduction in his payment amount.

Coleman said he called his lender, CitiMortgage, and asked to apply for the Federal Making Home Affordable program.

“First, they said you got to be at least 30 to 90 days behind,” Coleman said.

Coleman said the company’s advice was to get behind on the mortgage.

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