Stonegate Mortgage Corporation Mortgage Complaint

Stonegate Mortgage Corporation Mortgage department,

FHA mortgage Loan servicing, payments, escrow account North Carolina

Stonegate Mortgage Bought out our Loan within - Months of Buying Our Home, I have Battled - off and on for - yr 's. So I did not pay Much Attention to My Statements, We Put $2500.00 a yr in an Escrow Account, With That Being Said, Property Tax and Insurance Comes to almost $2000.00 a Yr, Ok, There should Be Money Left Every yr, there is not. We pulled up all the statements for the last 2 yr 's. And Turn 's out they are Taking the Money for Insurance, Which we did not sign for, are that is there excuse to keep the Money, and - year they Put down USDA Fund, I paid My USDA fund when we first Bought the Home, Over $2.00, -, The Beginning of the Year, it said I had - in my Escrow Account, We put - in it every month, I would like to know, Why it goes Up and Down every Month?? And Why the Extra Money every year is not Returned to me?? I also sent - extra dollars one month to go on the Principle, They did not apply it to it, They held on to it. I


- 2016, I had a beginning Balance of - the - of the year. and My insurance was paid, I have paid - payments this year, - -. then - x -, Which comes to $1700.00 then add the - from the -, Which comes to $ - I still have - payments to make this Year. Add - x - Comes to $650.00, So By the middle of -, there should of Been $2600.00 In My Escrow Account, Ok. Our Insurance Comes Due the Middle of the Year. We Switched Insurance Company 's. So they paid it -, Which that - is Right, -, We canceled that Policy, Because there was a 26 % increase, and Homeowners Insurance is $580.00, That comes to $1200.00 Ok that should of left a Balance $740.00, And with the - payments coming in of -, By the End of the year, there should be $1300.00. I still have to go over all of last Years Statements, But Just Glancing over them, they are the Same, Every Month going up and down, Instead of going up. My Property tax only went up $12.00 for the Whole Year. Our home owners Insurance only went up a $100.00 for the Year. They raised My Escrow Account - a month, Which Total 's - more a Year. Now when the Time comes at the End of the Year, There are gon na Say I do Not Have Money In my Escrow Account to pay the Property Tax 's. WELL, from My Calculation 's, I Should Only be $110.00 Short!!! Because the Insurance Company Sent me Back the check for $710.00 that was canceled, Oh Yes, They sent a letter Saying I should send it back to them, But Why Should I?? It was my Money, They still have over - they took there self 's from this year, and they took over - last Year, So I think they need to pay it back, And all the Other people that have Complains about them taking money from the Escrow Account 's. I will also Be sending a Letter asking That I will be responsible for paying My Own Insurance and Property Tax as 2016, That I wish to Cancel My Escrow Account, I Can not afford to Give MONEY AWAY!!! - x - = $2600.00 a Year. My Tax and Insurance total 's $2000.00 So Where is the Rest Of My Money Going???? But i did get some of it back this Year. Thanks to the Insurance Company!!!! Just Think how Many people are Losing Money, Because they Way there are doing. There getting RICH!!! While some of us have a hard time making Payments, Thanks for taking your time to Read this, I am seeking legal Advice, And if you no of anyone that would be willing to help, I am Open to it. Thanks again.