Application, originator, mortgage broker Review

Review and analysis of over 12,816 consumer complaints

Best Application, Originator, Mortgage Broker Companies

Imortgage.com, Inc.
Citywide Home Loans, a Utah Corporation
SunTrust Banks, Inc.
iFreedom Direct Corporation
First National Bank of Omaha
Arbor Residential Mortgage LLC
Rushmore Loan Management Services LLC

Worst Application, Originator, Mortgage Broker Companies

Finance of America Mortgage LLC
Hudson City Savings Bank
American Southwest Mortgage Corporation
Peoples Home Equity, Inc.
Network Capital Funding Corporation
First Direct Lending, LLC
First Choice Loan Services, Inc.

Most Application, Originator, Mortgage Broker Complaints

CompanyComplaints
Bank of America2,112
Wells Fargo1,820
JPMorgan Chase1,090
Citibank 598
Ocwen 550

History Application, Originator, Mortgage Broker Complaints

New Application, Originator, Mortgage Broker Consumer Complaints


BMO Harris Mortgage application, originator, mortgage broker

April 12, 2017 - I submitted a mortgage application with a mortgage banker, - -, who works at the - - Branch of BMO Harris Bank ( - - - - -, -, MN - ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that - - and BMO Harris Bank ( including his supervisor, - -, and the branch manager, - - ) refuse to return my $490.00 application deposit. As unprofessionally as my applica...

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Bank of America Mortgage application, originator, mortgage broker

April 11, 2017 - Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have - policies for the same transaction? Thank you! -...

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Wells Fargo & Company Mortgage application, originator, mortgage broker

April 10, 2017 - The mortgage originator that worked for Wells Fargo was a - and had personal financial issues. He knew my person issues - separating from a 30+ year relationship and all my financial history. He played me for which I am truly embarrassed. However, he would never have been able to do that unless he knew all of my personal information. He coerced me into a personal loan for $30000.00. Wells Fargo has no interest in filing a complaint against his - # for me nor do they have an interest in offering up a solution. This transaction was done while working on - mortgages for me and while wo...

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Citywide Home Loans, a Utah Corporation Mortgage application, originator, mortgage broker

April 9, 2017 - Citywide Home Loans is giving box seats at he - - to realtors as a gift for referrals. This is a violation of RESPA and not fair to the rest of us who are playing by the rules....

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BB&T Financial Mortgage application, originator, mortgage broker

April 8, 2017 - I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Paym...

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Toll Brothers Inc. Mortgage application, originator, mortgage broker

April 6, 2017 - We submitted a loan application # - in -/-/- with TBI Mortgage Company - - - -, PA - - - Mortgage Loan Officer - # - and received a pre-approval with the contingency of selling our current residence and selling one of our vehicles prior to closing. The home we are purchasing is a new home construction and was scheduled to be completed in -/-/-. We received documentation with the specifics of the loan a few days after the initial pre-approval of up to $850000.00. During the process of adding upgrades and specifications, - - our Sales Associate for...

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Ocwen Mortgage application, originator, mortgage broker

April 6, 2017 - Refinanced Ocwen mortgage in -/-/-. To-date -/-/- and it remains on my credit report. Spoke with Ocwen representative in - and they show it paid. How can I get the debt removed from credit report?...

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LoanDepot Mortgage application, originator, mortgage broker

April 6, 2017 - I was trying to refinance my mortgage and I was convinced by the agent from Loan depot that my loan would be approved and he promised my every thing would be Ok. after checking my credit and debt to income ratio, he said that it was a done deal. I again asked since I was concerned that what would happened if the appraisal did not come as he confirmed thru - and he said that they have a lot of other programs that I can qualify. he also said that I can pay for an appraisal and if it comes low that my payment for the appraisal would be refunded. Everything was a lie. when the appraisal came ...

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LoanDepot Mortgage application, originator, mortgage broker

April 5, 2017 - I had - hard inquiries from imortgage company ( - ) on my credit report on -/-/2017 and -/-/2017 making it - times in 8 days. I called both - and - who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report. My loan officer denied making the inquiry on the -/-/2017 and has refused to give me a letter of deletion for the hard inquiry on my report....

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Wells Fargo & Company Mortgage application, originator, mortgage broker

April 4, 2017 - During the refinance process in switching from Wells Fargo to - the lien release was not properly submitted or recorded by - County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of $160000.00 consummated in -/-/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through - and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone wo...

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Bank of America Mortgage application, originator, mortgage broker

April 3, 2017 - In -/-/- I had a home mortgage with Bank of America ( $300000.00 ). In -/-/-, I filed for bankruptcy. At this time, BOA sold this mortgage to -. I had this mortgage re-certified with - during the bankruptcy. Never missed ANY payments, loan was never in default either with BOA or -. In - of -, BOA filed or claimed that my mortgage was delinquent and in collections at the sum of $330000.00? This information is reflected on my - credit report as a " Collection Account ''. This false information affects my credit status, my credit score and is incorrect. I believe B...

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BB&T Financial Mortgage application, originator, mortgage broker

April 3, 2017 - Mortgage Loan canceled due to error on BBT Mortgage end. They then lied saying they requested documentation thru the online portal when they never did. I originally opened a complaint with the CFPB in regards to my loan experience with BBT. I am unable to add information to this but the information that they provided was false. They did not send a letter or upload a letter to my online portal requesting updated income documents. I have emails documents provided to me from my loan officer - that showed the rate lock being extended to -/-/-. I agreed to continue to pay the rate lock unti...

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Cardinal Financial Company, LP Mortgage application, originator, mortgage broker

April 2, 2017 - I applied for a convention 30 year fixed refinance loan with Cardinal Financial ( Cardinal ) ; DBA ; Sebonic Financial ( Sebonic ) on -/-/2017. I spoke with loan originator - ( - ) for 1.5 hour, he pulled my credit report. He told me that we can do the loan ; he said that he will have his manager and brother ; - looks at it again and he will call me back to confirm. After 1 hour I called -, he said that his manager said that the refinance will be ok and loan will be closed within 1 month or before. On -/-/2017, I received an email from - to assure me, I do not have to pay a...

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Citibank Mortgage application, originator, mortgage broker

April 1, 2017 - On -/-/2017 there is an inquiry from Citi mortgage on my - credit report as per attached report which I do n't recognize. I called Citi Mortgage and they told me that they have n't pull my credit. I called - and they told me CITI mortgage is indeed pulled a credit on -/-/-. I went back and forth and called Citi mortgage group this morning ( -/-/- ) and spent almost an hour to get hold of a manager and was told no managers available. Please fix this issue ASAP on my credit report. I already spent few hours to fix this issue and so far not going any where. Please fix it ASAP an...

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Nationstar Mortgage Mortgage application, originator, mortgage broker

March 30, 2017 - Called Nationstar mrtg to refinance the loan. - ran our credit report and siad since our credit score was - we didnt qualify for the " better '' loan which would bring our payment to $ -.Since we had a credit score below - best they could do was about $ -.Current mortgage is $1800.00 going to - for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on -/-/[email protected] .Spoke with - who emailed me info needed for loan mod.Sent over the info back to - on the -/-/2017 and he responded two days later saying he would be forwarding th...

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USAA Savings Mortgage application, originator, mortgage broker

March 30, 2017 - In -/-/-, I was preparing for a job change from a mid paying job to a low paying job, which would reduce my salary to approximately $- per year, for first year pay ( - ). I was looking at a $- pay cut with a - mortgage payment on a $180000.00 patio home in Florida. In order to ensure that I would not default on my mortgage during the unknown time that I would be at low pay at a -, I applied for and was granted an $80000.00 line of credit based upon equity in my home with USAA Federal Savings Bank. During the application process I explained that I was taking a larg...

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 30, 2017 - About 10 years ago, I took out a $230000.00 home equity loan on a rental property located at -, -, CA. My interest for the loan for the first ten years was 4.24 %. I have now been informed that my new interest rate will be increase to 6 % without having been told of this fact when I signed up for the loan ten years ago. When I originally signed the loan, there was an 18 page document which I signed which was hidden and stated there is a 8 % margin on my loan after ten years which was never explained to me. I have contacted Wells Fargo over 20 times during the past ten years for a clari...

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Citibank Mortgage application, originator, mortgage broker

March 29, 2017 - I was referred to Citibank in -/-/- by my financial adviser at - to explore a possible loan to purchase a house. I was interested in Citibank 's - fixed, 10-year interest only loan product. - ( - ID : - ) spoke with me and told me the rates and qualifications for the loan, including the need to transfer $200000.00 to establish a relationship with Citibank, which I did. He also encouraged me to take out a home equity line of credit ( HELOC ) as a way to access the equity in my existing home to use as part of my down payment on the new home before we were able to sell our...

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USAA Savings Mortgage application, originator, mortgage broker

March 28, 2017 - I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below - ( - ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the - mortgage loans into -....

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 27, 2017 - Rather than respond to the complaint ( s ) Case number - and - submitted to CFPB, Wells Fargo Bank has sent me a Notice of Right to Cure Default for a total of $2200.00, which includes $580.00 in " other charge/fee ''. Wells Fargo is allowed to make up any amount of charges and continue force homeowners to pay extortion payments or risk loosing their homes. Where is the help for consumers?...

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Freedom Mortgage Mortgage application, originator, mortgage broker

March 27, 2017 - I started a refi with - & they had Freedom Mortgage as the banker, I had a credit score of - 6 months ago, with Freedom Mortgage and - telling me for the last 4 months that they were closing and not to pay debt, made my credit score go down. I want to know how a Bank like Freedom Mortgage can lag and cause my score to go down, Also I would like to know how a mortgage Broker - can lag a refi for 6 months, I was having my home taxes impounded and now they are refusing the loan. I must of signed at least - redisclosures with Freedom. I will make up my late payments but I want to kn...

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Citibank Mortgage application, originator, mortgage broker

March 24, 2017 - - residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating -/-/-. -/-/-, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " - '' - -/-/- : Lender : " unable to originate a new loan '' due to - Assessment on property. Twelve weeks after initiation. Why twelve weeks?! -/-/- - - County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Departm...

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LoanDepot Mortgage application, originator, mortgage broker

March 24, 2017 - I started a refi with Loan Depot. I was given my final closing documents showing my portion to close was approximately $400.00. I then get a phone call 2 days prior to closing f stating hat the loan officer had made a mistake with the numbers and I would need over $6000.00 to close. I asked the new individual that i was working with if he was certain that if I came up with the new amount if the loan would close. He advised me it would. I took a withdrawal on my - for the monies needed. I received my final closing documents again. Less than 24 hours before the closing I was told that the...

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Citibank Mortgage application, originator, mortgage broker

March 24, 2017 - We called Citimortgage, our current lender, to find out about refinancing our home. We asked about the rates as well as questioned whether we had enough equity in our home to get the amount of money we needed. We gave our information to - -, a loan originator, who then looked up our property. He said that our value was $350000.00 based on a - estimate. We questioned the value and verbalized that the - estimate was far too high ( on more than one occasion ) and - - reassured us that - was " pretty spot on '' with its estimates. We went forward with the loan application an...

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LoanDepot Mortgage application, originator, mortgage broker

March 23, 2017 - I recently contacted Loan Depot and was put in touch with - - - and received an introductory email from him on -/-/-. I later called him and discussed, at length, my desire to do a VA REFI consolidation loan to pay off my existing credit card debt. As I told - -, this was my secondary reason for wanting to refinance my home. The primary reason was due to my desire to change mortgage lenders. I explained to - -, that for over five years, - repeatedly refused to mail financial and other correspondence to me at my designated mailing address and continued to send this ...

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Polaris Home Funding Corp Mortgage application, originator, mortgage broker

March 23, 2017 - I worked with a loan officer name - @ Polaris home funding group. He was helping me with my first mortgage loan but failed to disclose information to me that was part of the contract, such as dollar amounts. 3 days before closing I was told to sign the contract by his under writer - and that I need to rush it and that the dollar amounts on the contract was n't correct but will be fixed by our closing date which was -/-/-. I asked -, - and - why are we waiting three days and they just stated we have to wait for things to go through and then questioned me if I was getting col...

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M&T Bank Corporation Mortgage application, originator, mortgage broker

March 22, 2017 - This complaint is in regards to the unethical business practices in which - - NMLS # - with M & T Bank endured on me. I am a --year-old citizen and was trying to buy my first home with a FHA 3.5 % loan. After listening and trusting in the loan originator mentioned above, I felt I can trust her and the bank at hand. After 2 months of phone and emails, we finally decided to move forward with the loan process. She mentioned to me that to move forward, I need to have the appraisal done first to START the application. I asked her why would I pay for something upfront if I do not know if...

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Freedom Mortgage Mortgage application, originator, mortgage broker

March 21, 2017 - I am upset because Freedom Mortgage is refusing to review my new modification packet. Freedom mortgage approve me for a trial offer back on -. I did not take the trial because Freedom mortgage refused to do an appraisal of my property they use a old appraisal in order to modify my loan. Therefore I was fighting the value of my property, because is severely under water and I believe I can be provided a more affordable trial payment based on the current market value. I have paid for my own CMA however Freedom Mortgage refused to take it into consideration. My intentions are to keep my house w...

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Cardinal Financial Company, LP Mortgage application, originator, mortgage broker

March 21, 2017 - On or about -/-/-, I applied for a mortgage with Cardinal Financial online. After qualifying for the mortgage online, I was instructed to order an appraisal in order to proceed with the application. When I inquired about the appraisal, Cardinal Financial stated that this was mandatory and assured me there will be no problem with the mortgage application. Relying on Cardinal Financials ' assurance, I paid $660.00 to Cardinal Financial for the appraisal. Immediately upon payment, I was contacted to schedule an appraisal appointment and within few days was notified that the appraisal was c...

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Guild Mortgage Mortgage application, originator, mortgage broker

March 20, 2017 - Guild Mortgage Company, based out of - Nevada is offering to buyer clients who apply for a mortgage with them on -/-/-, a $1000.00 furniture gift card. Is n't this a violation?...

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Universal American Mortgage Company, LLC Mortgage application, originator, mortgage broker

March 19, 2017 - - and - were in the process of buying a property in -, Florida. The process started around the beginning of -/-/- and lasted until -/-/-. The mortgage company was Universal American Mortgage Company ( UAMC ), and the loan officer that handled the loan was -. The entire process lasted around 4 months. It lasted so long that we needed to provided the same information ( updated ) over, and over again. - was -, she was put on - around -/-/-. She had a - on -/-/- and was put on bed rest as well, she was - weeks -. Her - was going to last until th...

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 19, 2017 - Creditor closed the account without sending the principal to the creator....

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Golden Empire Mortgage, Inc. Mortgage application, originator, mortgage broker

March 19, 2017 - I received a statement from " - '' who bought the loan from " - '', The company who originated the loan, stating that we had a shortage in our impound account in the amount of $820.00, and that the amount originally figured was incorrect and that our mortgage payments would now increase an additional $100.00 a month to correct this mistake. I was very clear to the - loan representative to insure that the impound account also included the " - - '' taxes and she assured me it was included. Well, it was n't as now we not only have to pay the shortage amount, but also have a hig...

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Freedom Mortgage Mortgage application, originator, mortgage broker

March 18, 2017 - According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( - ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, -/-/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that ...

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Freedom Mortgage Mortgage application, originator, mortgage broker

March 16, 2017 - I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me....

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Shellpoint Partners, LLC Mortgage application, originator, mortgage broker

March 16, 2017 - On - -, - at -, I received a suspicious email that was stated as sent from Shellpoint Mortgage Servicing, the company about which we filed complaints # - on -/-/- and -/-/-. The email was directing me to an unfamiliar website to download files that were supposed to be sent to me from SMS and a deadline retrieval date of - -, - was given. On the side of caution, I did not open the email due to cyber security concerns. On -/-/- at -, I sent an email to -, the person assigned by SMS to our loan account, informing him about my concerns and a...

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Freedom Mortgage Mortgage application, originator, mortgage broker

March 16, 2017 - I have submitted 23 disputes to FREEDOM Mortgage and they have been non responsive to my many concerns related to the processing of my refinance application. I have received several letters from FREEDOM Mortgage stating to allow up to thirty ( 30 ) business days for a response. The response time has expired on letters received as far back as - 2016. I have even sent several emails on these issues. All to no avail. I have contacted CFPB, Better Business Bureau, Department of Veterans Affairs and my attorney. Whys has these organization allowed FREEDOM Mortgage to continue to be non responsi...

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Bank of America Mortgage application, originator, mortgage broker

March 16, 2017 - In order to purchase the house/property ( -, -, T- - - Myself and my partner completed Origination of the loan the application process. I had a good credit score with a smaller salary job and she had a low credit score but was self-employed and made a much higher income. -, -, said that she could still make the purchase work to ensure that my partner was on the Warranty Deed ( title ). She said how it is done is to list our incomes together but only use my credit score. If you look at my exhibit A : the Uniform Residential Application where is states who should be placed on t...

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Mortgage Research Center, LLC Mortgage application, originator, mortgage broker

March 15, 2017 - My ex-husband is in the process of obtaining a home loan with Veterans United Home Loans to finance the home mortgage in his name only since it is currently financed only in my name. His mortgage company has requested I sign a form in order to get the payoff on the mortgage, which I originally refused to sign. The form is a standard form which also includes an authorization to release credit information. I stated the loan he 's applying for is not in my name, and they do n't need me to sign this. However, after many attempts at sending another form my attorney drafted, giving my verbal authori...

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 14, 2017 - I had a HELOC loan which Wells Fargo offered to refinance because the loan was coming due. The bank manager at the downtown - branch offered to do the loan and asked me to turn in my tax return for -/-/- and a - for -/-/-. Several days later I went back to the bank to find out what happened and he told me that they could not do the loan, however Wells is told me that I could no longer withdraw from that HELOC and would just go into a pay back the amount owed which is about $97000.00. In fact, they even increased the auto pay amount to just over $1100.00 per month without ...

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 14, 2017 - Please reference complaint - and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with - to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. W...

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Guild Mortgage Mortgage application, originator, mortgage broker

March 14, 2017 - The complaint is against - - of Guild Mortgage in -, NV. Her -/-/- number is -. She is advertising on - that she will give consumers who apply for a mortgage with her on -/-/2017 and close in 2017 a $1000.00 furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate....

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Pentagon FCU Mortgage application, originator, mortgage broker

March 14, 2017 - I was discriminated against by representatives of Penfed Credit Union, - - and - - who established discriminatory requirements for me to obtain a preapproval letter for a VA loan. I was flagged for discriminatory reasons by - - who prescreened loan applicants by phone and assigned - -, Mortgage Loan Originator. - - violated anti-discrimination laws by creating a requirement for the issuance pre-approval letter that was not consistent with VA/- guidelines or PenFed practice. I provided financial documents that supported my VA eligibility and established income t...

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American Advisors Group Mortgage application, originator, mortgage broker

March 13, 2017 - At the end of -/-/- I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has -. The Mortgage Broker told me to get letters from the doctors stating my husband had - and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong...

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DHI Mortgage Mortgage application, originator, mortgage broker

March 13, 2017 - My wife and I purchased a home to be built at - -, - -, FL by - - -. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 day...

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Stonegate Mortgage Corporation Mortgage application, originator, mortgage broker

March 13, 2017 - I had a short sale on a mortgage in -/-/- and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to -. They reported false information in -/-/-, -/-/- and now -/-/- There should be no changes reported since the date the mortgage settled in -. It was reported as currently late again to - in -/-/-. Any lates should be removed, this was settled in -/-/- per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution....

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BB&T Financial Mortgage application, originator, mortgage broker

March 12, 2017 - My mortgage Application was canceled. I started this process in -/-/- and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in -/-/- that had to be uploaded by -/-/-. I never received any emails or mail requesting documents. I uploaded them on -/-/- because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed t...

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Bank of America Mortgage application, originator, mortgage broker

March 12, 2017 - Bank of America promised me an interest only mortgage for a non-jumbo loan amount. Then as I was putting in an offer for a house the bank told me they had changed their qualifications and said no mortgage even though 1 ) I still qualified w the new criteria, 2 ) the new criteria was not accurate and does not exist. After six months of trying to get the promised mortgage reinstate w the bank ignoring me, with my even sending Bank of America the note from my doctor regarding my - they requested, the bank finally responded to me that they no longer offer the interest only loan. Was seeking wh...

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PHH Mortgage Mortgage application, originator, mortgage broker

March 10, 2017 - Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in -. His name was -. I feel as if something was being done that was n't legitimate....

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iFreedom Direct Corporation Mortgage application, originator, mortgage broker

March 10, 2017 - on -/-/- I call veterans first mortgage to see if I could refinance my property at that time I spoke with - - -, I asked him if I could refinance a property that I had bought on -/-/2016 for $58000.00 and I needed $4000.00 to paid my credit cards, he told me yes to give him all my information, later he call me to tell me that he was going to refinance the property for $67000.00, that i will have to paid $450.00 for apraisal .I have to used my crdit card for the payment it was denied the apraisal value was way below the $67.00, I lost $450.00. by been promised that I...

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DHI Mortgage Mortgage application, originator, mortgage broker

March 10, 2017 - I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are - business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional...

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Bank of America Mortgage application, originator, mortgage broker

March 9, 2017 - I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and - information. I accessed the " s...

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Bank of America Mortgage application, originator, mortgage broker

March 9, 2017 - I applied for a refinance on my condo with my current lender, Bank of America, in -/-/2016. 20 year fixed rate on an investment property condo, 3.75 % fixed rate. During the underwriting process, it was discovered ( by BofA no later than -/-/- ) that there was an insurance coverage issue with my building. They did not notify me of this problem until AFTER the appraisal had been completed ( -/-/- ) and I called them ( -/-/- ) and it was too late to cancel/reschedule in order to avoid a $690.00 appraisal charge. At no time was I notified of any other issues/problems with the u...

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Lakeview Loan Servicing, LLC Mortgage application, originator, mortgage broker

March 8, 2017 - We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on -/-/-. They assigned the servicing to -. We have paid for an appraisal on -/-/-, which was completed on -/-/-. As of today, -/-/-, - has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( -/-/- ). We have a home equity line of credit with a local branch of -, and the branch ...

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 8, 2017 - Since I filed a bankruptcy on my medical bills, Wells Fargo is not reporting on my credit report. I did not file anything that had to do with Wells Fargo in the bankruptcy. Plus, the bankruptcy was finalized in -/-/2012. Wells Fargo is stating that they will not report on me for the remainder of our loan, which is 28 years from now since we recently refinanced. I can not get approved for a loan because of this....

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Golden Empire Mortgage, Inc. Mortgage application, originator, mortgage broker

March 7, 2017 - I refinanced with - and their parent company Golden Empire Mortgage. It was made clear to me there would be no points. Later, they added thousands of dollars in points buried in the documentation.They did n't contact me by letter, email or phone. I 'm not a professional so it slipped past me especially since I was told there would be no points. The added fees were hard for someone like me to spot or even look for as a result. I consider this bad business practice and a dishonest way to handle the process. I would like they way it was handled investigated....

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Wells Fargo & Company Mortgage application, originator, mortgage broker

March 7, 2017 - I was approached by - - at Wells Fargo ( - - - ) to refinance my mortgage in - of -. I agreed to terms, and we had a closing date of -/-/-. I made my traditional payment ( due the first of the month ) for - on -. Soon after, I was told that with my refinancing I would not have a - payment. I told - I had already made that payment, and asked what I should do. He directed me to customer service to get a refund. I called - on -/-/- at - and spoke with either - - or - - about getting a refund. I was told at first that the loan wo...

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LoanDepot Mortgage application, originator, mortgage broker

March 7, 2017 - Hi I was contacted by a loan officer at Loan Depot named - and he's a -. He tried very hard to get me into a 10 ARM even though I said that was not what I wanted. When I pressed him that I wanted a 30-year fixed he said "great news, I can put you in a 30 year fixed that's "only" $- more than the payment you have on your loan with 27 years left. And I wasn't taking money out! The closing cost was - but great news he'll knock - off and roll it into the loan! So he wanted me to pay $-/month higher and do so for 3 extra years. He called me again today. That's how I got his...

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The Money Source Inc Mortgage application, originator, mortgage broker

March 7, 2017 - On -/-/2016 I closed on a home loan with - ( Please see attachment 3 ). The loan was acquired by The Money Source ( Please see Attachment 1 and 4 for Billing ). I believe the tax bill was $1000.00 for every 6 months and $2000.00 for a year, at the time. I received a tax bill from - - in the amount of $240.00 ( for 6 months ) and $240.00 ( for the next 6 months ) or for the year $580.00. I submitted a request for escrow reimbursement ( Please see attachment 3 The problem is the original 4 month escrow charged and my monthly payments have been based on a $1000.00 ( $200...

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USAA Savings Mortgage application, originator, mortgage broker

March 7, 2017 - In the process for applying for a mortgage loan, USAA pre-filled items in the loan disclosure packet that were factually inaccurate and material to the process. After four ( 4 ) requests to update the information, they simply said they would take care of it, but the debt to loan ratio they quoted when denying the mortgage loan means they did not actually update the packet with accurate information. Furthermore, when they called stating that the loan was denied, I asked what information the underwriter used ( because the ratio they quoted was not possible under multiple scenarios ). They refus...

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