Pacific Union Financial, LLC consumers have reported over 115 official complaints. Out of the 115 consumer complaints against Pacific Union Financial, LLC, 10% were disputed by the consumer (i.e. the consumer was not happy with how Pacific Union Financial, LLC responded to their complaint) and 98% were processed in a timely manner. 3% of consumer complaints against Pacific Union Financial, LLC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Stop CallsPacific Union Financial, LLC Mortgage trouble during payment process July 29, 2018 - I received a call from Pacific Financial recently asking if I've gotten my annual escrow statement, which I hadn't. I went on line and obtained a copy. Pacific Union wants to increase my Monthly payment by 19.2 % My current payment is $920.00 and they now want to bill me $1100.00 which is an additional $180.00. This change was to correct their error in obtaining the correct escrow for my taxes. I provided them my annual taxes in -. The escrow amount necessary to cover my taxes and insurance only increased by $63.00 previous amount was $270.00 and it is now $340.00. They are requ... |
Pacific Union Financial, LLC Mortgage applying for a mortgage or refinancing an existing mortgage July 27, 2018 - Pacific Union Financial They have taken - dollar 's from us and - - for Apprasails because the loan went from Conventional to FHA. We started the process in -/-/- of 2018 and is now -/-/- of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the - - location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. - -, - -, - -, - -, - -. None of these employees have been able to close our lo... |
Pacific Union Financial, LLC Mortgage trouble during payment process July 12, 2018 - A little more than a year ago I refinanced my mortgage with my original mortgage company. Since the refinance the company has sent me my statement late. This past month statement, I received in the mail -/-/- and it was due the next day on -/-/-. I have contacted them many times and have been told that " they aren't responible for how slow the mail is '', or " my statement is always available online '', or " i don't need the payment coupon to send in my statement ''. The last excuse is that " the statements are a coutesy. '' All these excuses may sound resonable except I dont always ... |
Pacific Union Financial, LLC Mortgage closing on a mortgage June 24, 2018 - The only notification for foreclosure I received was by word of mouth from - - the realtor hired from - - in -, -. I was recovering from a major surdery he phoned me approximately around the beginning of -/-/-. Not certainly because I was still under doctor 's care. - phoned me stating " Did you hear, your house went to aution last friday and I asked for what he stated it was sold to a single bidder at Auction. I asked for how much he stated for the Short Sale Price the Pacific Financial was requesting $ - " I asked why was it foreclosed when the Short Sale Price h... |
Pacific Union Financial, LLC Mortgage trouble during payment process December 13, 2017 - - was purchased for a new home purchase on -/-/- form - - -.On -/-/- an inspection was conducted and I received notice on -/-/- that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in - and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, ... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure March 22, 2017 - A loan modification package has been submitted to the lender for loan modification review/assistance - the lender has refused to postpone sale set for -/-/17 to allow the review to take place.... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account February 15, 2017 - I am not sure how I got into a FHA loan, but I did. My current balance is approx. - my house is valued well over a -. I have a rate of 3.25 % and a PMI at $570.00 a month. I have contacted my bank twice, the last time was - -, -. I asked them when the PMI was to drop off and I told them I loved the 3.25 %, but was tempted to refinance. My - score is above - and I almost always pay extra to the principal. I got a generic response to my PMI removal inquiry on the same day as requested - -, -. Later on - -, - I received a date of -/-/- as to when ... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure January 3, 2017 - We had an approval letter for this file but the buyer walked away. I sent a new contract on -/-/- but I am getting no response. We would like to transfer this so we can get this closed asap.... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account December 21, 2016 - Around -/-/2016 I was behind one month on my mortgage with Pacific Union Financial , LLC due to reduction of income. In an attempt to remedy the issue, I requested a refinance to possibly lower my monthly payment. My loan officer - - was helpful and accessible throughout the refinance process. The process was completed and my old loan was paid off.The new loan paid for my past due balance for -/-/-, the old loan and the closing fees which brought the principal from $130000.00 from $130000.00. I received a paid in full letter as well as a statement advising me that my next paym... |
Pacific Union Financial, LLC Mortgage application, originator, mortgage broker December 6, 2016 - I applied for a mortgage re-finance through my current company, Pacific Union. The loan officer 's name is - -. - - 's cancelled my application because I did not want to " cash out. '' I began the process of shopping for mortgages -/-/-. I had to lift freezes on all my credit reports because I had a burglary in -/-/- and all my personal information was compromised. Pacific Union was - of - mortgage companies I shopped. I got as far as filling out the application, getting the Loan Estimate and other paperwork, giving the loan officer my credit card number to pay t... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure November 22, 2016 - I have been trying to get a Loan Modification on my home due to loss of job in - when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all - in Loss Mitigation that since my appeal letter, my payment... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 17, 2016 - I received a notice of escrow shortage in the amount of $140.00 effective -/-/16. I asked if I could pay it online as I had just made my monthly mortgage payment today.. I was told I could. When I went to the website, I could not assign amount to escrow without making my - payment again as it had not cleared. I told the CSR what was going on, and she advised me to wait until my - payment clears and call back to verify the new shortage amount as it would be reduced to $130.00 after my - payment clears. I did as told, and I was told that The CSR was wrong and that I still ne... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 16, 2016 - I received a letter in the mail that showed that I might be eligible to lower my house payment, so I contacted the number on the letter and spoke to an agent, - - on -. I initially wanted to roll - loans into -, essentially having - big payment but unfortunately I was unable to do so and - advised me to use the payment from - and - towards my car loan. ( He told me that he would be able to close on my house by - and my - and - payment would be rolled pretty much to the end of my loan. ) After sending all the requested documentation, I was under the impressio... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 8, 2016 - On -/-/-, I received a phone call from Pacific Union Financial Services at -. The gentlemen I spoke to on the phone stated they ( Pacific Union ) had not received my -/-/2016 payment. I explained to him that I made the payment on -. I was at work and I could n't go find my email confirmation. He reassured me that they had not received the payment. So I scheduled another draft out of my checking account in the amount of $1000.00. I told him I would call back later to so they could investigate and see what happened to my payment. I called back the same day -/-/- at - and s... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 3, 2016 - -/-/-, my home received sever damage from a hailstorm. With that storm, there were hundreds of homeowners affected. I am mentioning this because due to the sheer number of people affected contractors, roofers, widow companies were all substantially backlogged with work. So, once you were able to receive a date of repairs, you dare not try to modify it or you may be looking at the next available date being a month or two out. This is where my issues begin. I received the insurance payment -/-/-. There was an issue with the wrong lending company listed so we had to work that issue out ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account October 29, 2016 - Pacific union financial was utterly incapable of providing a payoff letter and attempts to coerce you to refinance with them.... |
Pacific Union Financial, LLC Mortgage settlement process and costs October 4, 2016 - I was contacted by my current mortgage company to offer me a refinance of my loan on -/-/2016. The new interest rate was going to save me over $70000.00 the term of the loan. So, I agreed I was sent the proposal the same day. We sign the electronic docs and sent over the additional info the following business day. -/-/- I was asked to sign an additional doc which we did. Meanwhile I keep asking about my current mortgage payment. I stressed that I was concerned I did n't want to be late on my payment because I take my credit seriously. I was told several times do n't worry about it, th... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account October 2, 2016 - I had weather related damage to my house. I filed an insurance claim and received a check from the insurance company payable to myself, my wife and the mortgage company. I endorsed the insurance check and sent it to the mortgage company. Had part of the repairs completed by one contractor, the rest will be completed by a second contractor. The mortgage company is requiring I hire one of their inspectors to validate the work is completed on the first part before they will release the funds. They have advised me I must hire their inspector on the second part to inspect at approximately - % an... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account September 8, 2016 - I 'm 3 mos behind on my mortgage payments with Pacific Union Financial. I have a documented - and so I do miss work occasionally because of the illness. My mortgage company was informed that my delinquency was due to illness. However, I have been told that I need to make a triple payment this month in order to prevent foreclosure, because I 'm in pre-foreclosure. My issue is that I called offering at least one whole payment, and was denied. They told me it is being rejected because I am being required to make a triple payment. Is there any way to disallow these practices? Especially for har... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account August 1, 2016 - I filed bankruptcy on -/-/15 all while I was in bankruptcy I made all payments like normal and I also signed an affirmation to affirm on my mortgage so that I could keep my house. well recently here went to go shop for and automobile found out that my score was really low. got home that afternoon and check my credit report and found that my mortgage co. Pacific union financial has not been reporting my payments on my credit report. which has dropped score. I have made all my payments on time. and now its time for another payment, I 'm thinking twice about making payments until they corre... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account July 31, 2016 - Mortgage subservicer ( Pacific Union Financial ) changed to another company ( - dba - ) and I only received a 3 day advance notice. As a result, I already scheduled the payment to Pacific Union and I might incur late charges trying to get the payment to the correct company. Is n't there some sort of standard notification when this happens?... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure July 22, 2016 - I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ). Facts, today -/-/2016, I was served a foreclosure complaint from Pacific Union Financial LLC. I attached a copy to my complaint... |
Pacific Union Financial, LLC Mortgage credit decision / underwriting July 19, 2016 - Applied to refinance existing mortgage. Provided documents asked for including -/-/- and -/-/- tax returns and -. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In -/-/- my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our -/-/- income taxes. The underwriter wants to continue to use this in their income to debt ratio ca... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account June 3, 2016 - We worked with a GREAT mortgage person to secure a mortgage loan in - with PUF. We have been ON - & - & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about - of -, we have been getting " collection calls '' EVERY month. - is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure May 29, 2016 - I lost my job - - -. I immediately contacted Pacific Union Financial to obtain a hardship hold on my loan payments until I could get another job. They approved this finally and eventually forced to take another job - - -. I then contact Pacific Union to allow me to start making payments again online in - -. They refuse and say I need to pay $ - back before I can make my monthly payments. Of course, I am unable because of loss of job. I then submit paperwork to modify my loan so I can start making my regular payments again. This drags on until end of - - when th... |
Pacific Union Financial, LLC Mortgage settlement process and costs May 25, 2016 - We have been trying to get a mortgage loan closed since -. We applied and were approoved bavk then. The problem is the mortgage company wo n't close the loan. They keep asking for the same info over and over again only to wait too long to close so we have to do it again. The mortgage brokers are -. - - - - -. -. The bank is Pacific Union Financial - - - We have resubmitted all the required info several times. A month back I reported them to the - and that seemed to help, but then this week they promissed to close yesterday ( tuesday ) but did n't so now we h... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account May 25, 2016 - I made a mid month additional principle payment to my mortgage lender. They accepted said payment, but did not apply it stating they did not know what to do with it. They left it in a holding account. The additional principle is for minimizing interest and paying the mortgage off earlier. They want me to allow THEM access to bank draft and charge me a fee to do so. I find this situation unethical and disturbing in their practices. ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account May 23, 2016 - Mortgage company is not sending out my statements following a chapter -. Company insists statements were sent out since -. Spoke with - in Bankruptcy Dept. who was extremely rude. Unable to make payments on-line and they are charging me $15.00 to pay over phone. Been paying over the phone ever since last year and was never charged a fee. - tells me she has no way of seeing if I 've been charged a fee and can only see what I 've paid. If you can see what I 've paid then you can tell if I 've paid a fee. She had no desire to do her job. I have not been receiving my statements and c... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account May 13, 2016 - I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering $0.00 to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account April 27, 2016 - Lender is forcing a $4000.00 flood policy which is increasing my payment by over $ -/mo. Problem is ; i already have a flood policy and they acknowledged it. they are still demanding this new, much higher payment. ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account April 12, 2016 - I have supplied the Pacific Union Financial LLC for the loan Number # - All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account April 12, 2016 - - : Veteran and newly married wife, first time home buyers, purchase a small farm with the VA loan. Escrow at $0.00. - : First insurance paid, $1500.00. The - acre property was registered with the county in - separate pieces. Pacific Union ( PU-this company - ) paid - taxes on only - of the - parcels, $65.00. Because our tax bill was " low '' for -, PU sent us a refund check for the amount of $250.00, leaving a - escrow of $1100.00. -/-/- : Insurance billed the wrong amount, $570.00. We received a bill for back property taxes for the -... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account March 13, 2016 - Pacific union Financial is asking security questions I never was ask to answer and after - attempt your locked out ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account February 18, 2016 - I purchased my first home in - -. My home was financed through Pacific Union. Payment was set at $1700.00 per month. In - I received a letter in the mail stating that I had an escrow deficit of $10000.00. I repeatedly asked Pacific Union why it took them 2 years to notify of the escrow deficit. To this day they have not been able to give me a straight answer. My mortgage payment increased to $2900.00 per month. I asked if they could refinance my loan to bring it back to a payment i can afford. They immediately told me they could not help me until i paid the $10000.00 escrow ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account February 16, 2016 - I received my - form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. - sold my mortgage to Pacific Union Financial in - 2015. From -/-/- to - 2015 my taxes paid were $6100.00 ; however, on the - that Pacific Union sent me the - showed $2300.00 as the amount of annual taxes paid for the year. Pacific Union made a large error on my form -. ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account December 23, 2015 - I refinanced my mortgage to a 15 year fixed with - - of -. -, NJ in -/-/-. The loan was reassigned to Pacific Union Financial in -/-/- or -. I have always paid my property taxes directly to my municipality, -, New Jersey. When I refinanced with - -, as part of the loan agreement, I continued to pay my property taxes directly, with no escrow account on my new loan. -/-/- I went into - - - to make my quarter - property tax payment which was due on -/-/- only to find out that the taxes had already been paid by Pacific Union Financial. Subs... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account December 14, 2015 - i have a mortgage loan through Pacific Union Financial. I have had the mortgage payment on automatic since - 2014. My payment always get to Pacific Union 2 week before the - of the month. The has been NO interruption. There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they ar... |
Pacific Union Financial, LLC Mortgage application, originator, mortgage broker December 7, 2015 - I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in - 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed se... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 30, 2015 - our mortgage was sold to a different company. we got a letter saying to pay the original company through a certain date and then submit all payments to new company. we paid the original company as requested and have bank statements to prove it. the new company started calling requesting payment and we told them we had paid the original company as directed. we encouraged the - companies to talk to see that the payment had been made. we were told things had been resolved, yet its listed as a late payment on my credit score. ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 30, 2015 - My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes. ... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure November 10, 2015 - I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of $5.00 each month. When the first money payment of $5.00 was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for $15.00 ( 3 months ). After several months now, I call to find out why my credit score went from - to -, they said my payment deferral agreement is now void since my $5.00 payment was late. I ... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure November 9, 2015 - On - over ten days from the clients sale date of - a modification package was sent in. ( please see attachment ) On - Pacific Union confirmed receipt of all docs and stated nothing was needed. On - - with Pacific Union stated a missing document letter was sent out on - but had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on -, - and they stated that they did not have receipt of do... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account November 8, 2015 - I received a escrow surplus check from my previous lender ( loan was sold to current lender ) The check I received was for roughly $4000.00. Now my new lender has sent me the results of my recent escrow account analysis stating I have a shortage relatively close to what the check was I got in the mail previously. I received documents in mail of my expected payment. This will cause me financial hardship due to the unexpected $300.00 added to monthly payment to make up for shortage. The check received was used for home repairs/improvements and other expenditures. This is my first home, I am ... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure October 16, 2015 - I bought a house a could n't really afford. I never made a payment. When I was 3 payments behind, I sold the house. It sold for substantially more than I owed and even th the late fees, etc. were covered by the sale. The day it closed, a collection person from the mortgage company called to say he would not accept the payoff funds unless I came up with an additional $1200.00 THAT DAY. If I did not, he would reject the payoff funds and begin foreclosure proceedings. I paid that amount through the escrow agent and the sale closed. A full 10 days later the mortgage company filed foreclosure on ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account September 16, 2015 - I have contacted my mortgage company now - times to request an assistance packet. - by phone and - via there online contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The - time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have. ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account September 6, 2015 - My mortgage company increased my monthly amount from $860.00 to $1100.00 for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage. ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account September 1, 2015 - For the past couple months we were notified by our mortgage company of increased mortgage payments to be paid right away due to the lack of calculation on their part in our property taxes that resulted to delinquent taxes they they just paid to the accessors office. Now they are penalizing us by tremendously increasing our mortgage payment not once but - in the last 2 months. Our regular mortgage that we been paying for the past 3 years is in the amount of $1900.00 which was last paid - -, 2015. The first increased payment was paid in the amount of $2600.00 on - -, 2015. We ... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure July 24, 2015 - client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to - court hearing on -/-/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and w... |
Pacific Union Financial, LLC Mortgage loan modification,collection,foreclosure July 21, 2015 - Have you had complaints submitted on Pacific Union Financial in - T-? I am a - representing - and - - on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. We had submitted - offers with the best - on - -, 2015 All Cash '' offer. FHA Mtg Letter - still required an appraisal by an FHA certified appraiser. They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago - - supervisorrequest the borrowers financial statements t... |
Pacific Union Financial, LLC Mortgage application, originator, mortgage broker July 16, 2015 - Starting in - of 2015 my current mortgage company, Pacific Union, began calling me a few times a week to refinance my mortgage and get rid of home owners insurance. They were persistent. I eventually called back one of their loan salesmen. We had a discussion about refinancing my mortgage. I wanted to get cash out to help my son pay for college. I made of him aware of what I had purchased my condo for ( $ - ), what I owed on it ( $ - ) and what units had sold for recently in my development ( at the time pending $ - ) .I asked him to use a value of $ - for my home, knowing the un... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account July 10, 2015 - My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me? ... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account May 31, 2015 - my name is - - i own the house at - - - - - - -, my mortage company pacific union out of -.well back in - 2014 i received a letter saying that my escow was rasied -. to - a year for hazard insurance but i called my akin insurance and they said that it - a year but pac union is been charging me for - a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from -.month to - a month thats - more a year collected my number is - - central time my mortage number i... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account May 28, 2015 - My lender mailed me correspondence stating that my mortgage payment was due to increase effective - -, 2015, due to increase in tax amount. I disputed this because they were basing my amount from the previous owners taxes and it did not reflect my homestead exemption ( credit ). Called my lender and was instructed to go to my local tax office and obtain the estimated taxes for 2015 and then fax that along with the letter to a number that was given to me for the tax dept. On - - I went to my tax office an obtained the document that was now available. Faxed it directly along with the... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account May 19, 2015 - My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on - - ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until - -, 2015. I have documentation in writing ( e-mail from escrow office to loan co... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account April 28, 2015 - Union Pacific Financial did an escrow analysis and they calculated my taxes about $820.00 more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount - and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from $1000.00 to $1500.00 because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account April 28, 2015 - - 2014 I refinanced my VA loan with a VA IRRRL with Pacific Union Financial - however instead of my interest rate going down it went up. The lender then discovered they could not insure the loan with VA, so the made me refinance, although they fired me - 2014. They could not refinance me until -, so they held the loan in their portfolio - and made us pay the higher interest for those 8 mos. In - they paid my escrow from the old loan, collected escrow funds on the HUD and I 've been paying monthly escrow. My current escrow balance is over $10000.00 ( my RE taxes are only $6500.00... |
Pacific Union Financial, LLC Mortgage loan servicing, payments, escrow account March 21, 2015 - My loan was sold a short time later to Pacific Union Financial, and serviced by -. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost $2000.00 to catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment - is more than the amount of our taxes and insurance. They offered to send me a pay his... |