Universal American Mortgage Company, LLC Mortgage Complaint

Universal American Mortgage Company, LLC Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Florida

We recently used Universal American Mortgage Company ( UAMC ) that is owned by the builder -. It was overall a poor experience, however we had - issues that were concerning and unethical. The first issue was misrepresentation by the loan officer - -. When she pulled our credit for the loan she told us that my credit score had gone down and we would have a higher interest rate and MIP. This was incorrect - no credit score had gone down, - of the credit reporting bureaus was not reporting and they would have to use a lower score. This resulted in a significantly higher monthly payment than previously estimated. The second issue was with the loan processor - - -, who is used by UAMC to process their loan appliactions. They required my husband to call the credit card company and required him to disclose his full credit card number and the answers to the security questions with the


The final issue was that UAMC- pulled my husband 's credit without authorization. When the issue was resolved with my credit regarding the credit bureau that was not reporting a credit score, it was agreed with the loan officer 's supervisor - - that they would pull my credit score. It was very clear that only my credit would be pulled and not my husband 's. UAMC- pulled both my credit and my husband 's credit. When we found out that his credit had been pulled by - - we contacted UAMC immediately and they would do nothing to resolve the issue. My husband attempted to dispute the unauthorized credit pull by - -, but they would not remove the unauthorized credit pull from his credit report.