I have been in my house for about three years and am struggling with the payments.
I recently found the original commitment letter that I received which stated that I needed to make $11,600/mth as a condition of the loan. This letter was received after they had requested my tax returns. I pointed out to the mortgage person that I did not make that much money and they removed the statement and gave the loan anyway.
They never gave me any advisement, or mentioned that the loan was too much for me to handle on my salary. Was it legal for them to simply change the wording of the commitment letter when they knew I did not make enough money to pay the mortgage?