Amerisave Mortgage Complaint

Amerisave Mortgage department,

Other mortgage Application, originator, mortgage broker California

Why I can get to refi my home I have over 35 % equity and income to qualify, because I am - and - years old, On - -, 2016 I submitted my application to refinance my home, I received email from - - ( - ) she will be my loan Originator ( NMLS - ) after lucking the interest rate at 3.625 % that it will expired -/-/2016 ( 60 days from lucking date ) and submitting all required document including the appraisal fee of $490.00 and WAS ORDERED ON -/-/2016 and it will be return after loan is funded, flood certificate, linear Borrower Authorization ( -/-/16 ), Title was ordered on -/-/16, on -/-/16 after talking - - and getting an email that " my application is completed and waiting for processing about 10-12 business day away for processing '', on -/-/16 emailed from - - ( - said - moving into different role and - taking over, on -, I asked - if the loan is not funded by - the interest rate locking will expired on - she reply " we will extend it at no cost to you '' but my rate did expired


that Can not be down loaded from social security administrator so I called social security and it will take few days to get them before I received them on -/-/16 I received email from AmeriSave that '' after reviewing your application we closed your file for incompleteness or we are unable to approve your loan '' so emailed - and she emailed me on -/-/2016, " I am not sure why you receive a decline notice by email today, I am looking into the issue right now, I told the processor I was still waiting on additional income from you BUT THE LOAN SHOULD NOT HAVE BEEN DECLINED and I apologize for confusion '' and - I received email that we receive you appraisal that appraiser ( - - ) sent on -/-/2016, then on -/-/2016 I received another email that my application was closed according to -, " creditor must notify applicant of their lending decision WITHIN 30 DAYS OF FILING OF A COMPLETE application and can not be discriminated of their age '', -/-/16 I filed my application I do n't think they even look at my application until - and AmeriSave wasted 3 months and $490.00 and emailing me that my application is incomplete, please login to my file at AmeriSave, user ID is - and password is - I need my $490.00 back because no lender accept the appraisal I was submitted and if the interest rate is higher 3.625 % they must pay the discount point and processor need to be audit it the review is very bad too. Thanks