BB&T Financial Mortgage Complaint

BB&T Financial Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Virginia

My name is - -. I am writing to you because of the dilemma I seem to have with getting my mortgage adjusted to compare with other upstanding and/or low standing citizens of this country. I am a - yr. old self employed, divorced man that refinanced my primary residence ( thru BB & T ) in order to pay off my - wife 9 yrs ago. The fixed rate on my mortgage was set at 6.35 %. I have attempted many times to refinance this mortgage. But, due to guidelines set after the meltdown in 2008, no one has offered to refinance my mortgage because I 'm self employed and do n't show a good enough income on my tax returns.


Other than the fact that the I.R.S. allows the self employed individual, that runs a service business, to write off many business expenses, I am better qualified than most refinance applicants. So, as far as I see it, this is blatant discrimination against - ' hard working, honest, self employed individuals. Who knows where this might go, but I have no other choice, but to stop paying my mortgage to get some attention. I am a master electrician, plumber, mechanical tech and appliance tech. I pay my bills and take care of my responsibilities. Recently I have had some challenges that have influenced my decision to pursue serious negotiations with BB & T, i.e., - and a -, -, - - -, -, moved my Mother into my home, basement flooded, -. composite and tile deck disintegrated, Concrete patio and driveway are broke into many pieces, Heat pump needs to be replaced, - roof needs replaced, My business truck - was totaled, etc. The main objective here, is to lower my interest rate to 3 % or less, and switch to a 15 yr fixed mortgage and start all over with NO penalties, NO past due interest, No past due premium, No FEES!!! BB & T has taken tens of thousands of dollars from me over the years in interest and its time for a fair and reasonable business relationship or none at all. Sincerely, - -