Hello Everyone! I hope y’all can point me into the right place. I and my wife hit some hard times prior to Covid we fell behind on the house due to me losing my job. We tried working with our creditors on the house. It got to the point we would fill out and send the paperwork back via email every day for a month and be told they not gotten it. Even though we showed them the fax and email confirmation documents. COVID hit we had another job loss and took in a disabled vet and his kids shortly before this. We were paying all the bills we could. House went to starting foreclosure. COVID stopped the sale scheduled for may of 2021. We stayed on forbearance trying to work with the lender. Got tired of trying and sold the property (it was a rental).

Today we had an offer accepted after 3 months of looking. Lender pulled credit back in June and everything looked ok. Wife and I have new jobs making more but have to relocate. Accepted offer and notified the lender. Awesome! We did our little happy high five. 39 minutes later the lender called and asked us if we did a short sale or had a house foreclosed on. No. We didn’t we sold the house (for a little profit) during the forbearance period. Paid the house in full. No short sale no nothing. Get a paid in full letter from mortgage company. Lender we are using says not good enough that we have to wait 3 years or get PennyMac to say they didn’t foreclose on the property and made a mistake.

Do we hang up and pull out? Can we dispute this because it was paid in full they never did a foreclosure.