Royal United Mortgage LLC Mortgage Complaint

Royal United Mortgage LLC Mortgage department,

Home equity loan or line of credit Application, originator, mortgage broker Texas

I applied online for a HARP loan and received a phone call from ( RUM ) Royal United Mortgage. After verifying my credit score, mortgage payment history, and income, - - - informed me that Royal United Mortgage would finance my mortgage which is at 6.99 % to 4.3 % in less than 30 days. I was told that certain debits would be paid with the cash advance, and I would not need to make a mortgage payment until -, 2015. After electronically signing what I thought was my loan agreement, I was told I needed to pay $ # $390.00 for an appraisal. After the payment of the appraisal cleared my bank Royal united Mortgage stated they could not do the loan. I DONOT believe RUM had any plans of refinancing my mortgage. I searched on line for complaints against this company and found many, many other consumers complaining about being denied after paying for an appraisal. I sent an email requesting a RUM return my $390.00 and that I was filing FRAUD against them with my bank. How can this company prey on consumers like this. I am a retired senior and $390.00 is a lot of money for me. - -