Pacific Union Financial, LLC Mortgage Complaint

Pacific Union Financial, LLC Mortgage department,

FHA mortgage Settlement process and costs Florida

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, that I would need that money to use for my closing on my refinance. On -/-/- I received an email from the loan processor that my loan had been approved. On -/-/- I received the electronic discloses and contract. I signed and returned on -/-/-. I was then told that I could sign the documents with a notary on -/-/-. I was told that the notary would contact me, which I had to call the loan processor several times that Monday and Tuesday stating that the notary


I call on Friday day of funding was told buy the processor that my loan was going to fund at - California time. Processor gave me my exact pay off to the penny. So, I said good please email me when its finished she said fine. Then I receive a call from the loan officer at - eastern time stating my loan did n't fund due to the notary from the title company did n't send my paperwork in time. I was upset and asked why I was told that it was funding that day at -. I was told I needed to make my old mortgage payment so it would n't hit my credit. I expressed that I did n't have an additional $1700.00 due to I had already gave them $1500.00 two days prior. I could n't stop payment on a cashier check and my bank was closed. It was now - eastern time when I spoke to the manager of the loan processing department he stated Monday he would resolve this matter and funding would happen. I followed up today and was told that not only did my loan not fund, but was n't and I could n't get the offer until possible 6 months. - top if off now this reported that Im 30 days delinquent on my credit. I expressed that I did everything I was told to due. So now Im penalized for someone dropping the ball. I do n't understand how an internal adjustment could n't have been done since I was refinancing through the same lender. Basically, I got the response of Im sorry. That is not right. How can the borrow suffer from the company errors and the title company that they use.