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None. On XX/XX/XXXX my mother passed away from XXXX. I immediately experienced a financial hardship in covering my mother 's final expenses and estate debt. I notified Flagstar of my hardship and I was advised that I could defer my payments for 3 months and that at the end of this period my payments would be deferred to the end of the loan. In XXXX I called Flagstar to begin the process of deferring the payments. The request was initially denied since I had previously deferred 3 payments due to Covid. I was told that I was still eligible for the payment deferral and a new request was submitted and escalated. I have since called in every week to check on the status of this new request and each time I am told that there is no update from the underwriter and an email will be sent to follow up