Envoy Mortgage Ltd. Mortgage Complaint

Envoy Mortgage Ltd. Mortgage department,

Conventional fixed mortgage Settlement process and costs South Carolina

Envoy Mortgage had delays in processing our mortgage which caused a delay in closing resulting in additional moving expenses and severe inconvenience. Envoy mortgage had our loan since - of 2014. When we stressed to - - on NUMEROUS occasions ( verbal, email and text ) that we wanted this closing to go smoothly. - - assured us that everything would be on schedule. We would check in with him often to make sure things were on track and he always assured us all was good. We were scheduled to close on our house - - at -. On - - which was a Saturday we received an email that said that Envoy had just submitted our loan to the underwriting process. Now considering this is my - house that I have purchased I know that an underwriting department needs more that 3 business days ( monday the --Wednesday the - ) to give final approval and get docs prepared for an attorney to close. My wife and I were immediately concerned when we received this email. My wife - started contacting - and he said they are cutting it close but he said it should all work out on


during the 7 months that they had our loan. We have - - children ages -, - -, and a - month old baby. We had babysitters lined up for our children for the original closing date on the - and the planned moving times on the -. Since nothing took place at the planned times, our children were with us for the closing and the entire moving process. Every appointment that we had lined up to deliver refrigerator, install blinds, internet, satellite tv, garage door opener, alarm system, etc had to all be rescheduled for later times. Again I want to stress that Envoy had our loan since - of 2014 and had ample time to make sure this happened smoothly as promised. Someone clearly made mistakes and we were left to deal with the stress and expense. Our moving company is called - out of - NC. They had about - of our belongings in their storage warehouse since - - when we moved into an apartment to wait for our house to be built. In early - we locked in the dates that we wanted them to pull our belongings out of their storage and load it onto their trucks for our move. The dates we chose were for them to load our belongings into their truck on the - of - and then on Friday morning the - they would arrive at our apartment at - to load those belongings and then we would drive to the new house ( only - minutes away ) and they would begin to move us in. So on the - our moving company had already filled their truck with our belongings from their storage. When the - came to an end I realized that we had to make this closing happen on the - since our stuff was sitting on their truck so I contacted - - with -. He made a few phone calls that I 'm sure that helped to get us closed on the -. Around - Friday the - we finally got the clear to close so at that point I told - at - that her men and the trucks could finally be on the way to the apartment. - - told us we could close at -. After hours of waiting at the attorneys office we finally closed at -. The movers were on the clock from - since that day was booked as OUR moving day. They bill at $190.00 an hour for - men. From - they sat at the warehouse waiting for us to give them the go ahead and then from - when they finished loading the apartment until approx - when I arrived at new house they were waiting on us. We had no notice ahead of time that could have prevented us from getting billed