Everhome (neverhome) mortgage was my
mortgage company.When I needed to refinance due to a
balloon payment coming due, I contacted them since they were my
mortgage company. I was upfront about my bills which wasjust my sons college tuition 80k, and a 2nd mortgage which I wanted to consolidate in the refinance. Everything was great until I paid them the application fee, they sent an "appraiser"who spent 5 min in my house and undervalued it by 20,000 dollars then told me I would have to come up with 10k at closing I have a
retirement fund worth 3 times my
mortgage balance, so I said no problem I dont like it but I will do it. From then on i couldnt reach Raymond Benson (the guy who told me everythingwould be a snap. He refused to call me back-Ihad to trick him into takingmy calls by having another mortgage person there transfer me. This has gone on since sept 2009 the last straw being when I called him from a friends phone and when he found out it was me said "i have been working on it youll get the paperwork on tuesday.tues came and went no paperwork came. I got the run around from him and his boss. Mind you it is now Feb and I am no closer to refinance and the balloon is due in March! I contacted another company and they will have this complete by Feb 15th. I sent a letter to
everhome stating I took my business elsewhere, Tonight, I received a denial of credit letter from
everhome!Just another way to screw the consumer. Just FYI Ihad the same job for30 years at At&tand when I retiredfrom there,I went right back to work and am still employed in the same field. What do I have to do to get a refinance?? Declare bankruptcy??? Aparently payingyour bills on time,keeping a steady job and sending your kids to college makes me a poor credit risk!
1. Written by Goldenmom, on 16-03-2010 17:17
I am furious!!!!!!!!!!!!!!!!!! I have been with Everhome for several years. Laast May they called me & told me we qualified for an Obama package & to only pay 384.00 of out 1,016. payment each month for 6 mos. They had us sign a Forebearance agreement. I asked what happened to the money they didn't receive towards the mortgage each month & they said it would be added in at the end of the agreement. I ppaid them religiously each month on time. At the end of the 6 mos they said they couldn't take the regular payment & just pay the 384.00. I questioned it but they said that was all they could accept. That went on for Nov, Dec & Jan. In Feb, I again questioned it & they said not tpo pay anything that we owed $8,000 in arrears! WAHT????? They took new financial info over the phone. I called a week later & they said I had to fill out a financial form with the esame info. They faxed me the form 2/22/2010. I faxed it back 2/23/2010. Today 3/15/2010 I got a cll that our home was going to the attorney for foreclosure & that they were no longer working with "Stewart" - the sub-vendor who had set usup on the forebearance plan, and that they did not have any new financial information from us. I am to re-fax the info sheet with pay stubs and bank statements. That may or may not stop the foreclosure - it depends o if we "qualify" for a loan modification. I am angry, frustrated, and at a loss... I just needed to vent. I have done everything that they have asked. I trusted their company with our home. I am not responsible that they had a poor company for a sub-vendor who did not explain proper procedures. I questioned and was told everything was ok and proper & now foreclosure????? What the heck!!!!!!!!!!!!!!
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2. Written by Mrs. Wheeler, on 09-03-2010 23:04
your right the morgage comp. dont care. Everhome had are morage and when we have a fire in 2008 we were told that everything was frozen and dont worry about the payments then we found out that thay lied to us and ended up taking are home from us and thay keeped the 22,000 dollars that the insur.comp gave us.They are saleing the house and we dont know what happen to the money
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