First Citizens Mortgage Complaint

First Citizens Mortgage department,

Conventional adjustable mortgage (ARM) Application, originator, mortgage broker South Carolina

I obtained a 30 year variable conventional mortgage from First Citizens Bank and - - on -/-/-. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the - I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of $120.00 per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional -. It was not until I spoke with an agent from - - in -/-/- that I was made aware of the fact that I should have a VA mortgage instead of a conventional -. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage. What makes matters worse, is that the original mortgage was sold to - - - which eventually folded and - picked it up. - has sent me a letter stating that they are not responsible for the PMI problem because they, Did n't originate my mortgage loan ''. I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.