| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Direct Mortgage was the Very First Company that I Reached out to in Early XXXX when my Credit Score was Above XXXX. My Lowest of the 3 Scores was approximately XXXX. I applied to 1 Other Mortgage company within a Month to compare notes and rates. I am an XXXXXXXX XXXX Veteran who's Never taken out a Mortgage and was looking to purchase my first home under the V.A program. Direct Mortgage gave me a Qualification letter for XXXX but the V.A never provided my Certificate of eligibility which I am Still trying to acquire. The House that initially led to my inquiry only accepted Conventional loans, so after almost 2 months of not finding anything inexpensive enough and to my liking, I decided to forgo my V.A Loan and asked Direct Mortgage if they could Pre-approve me for a Conventional loan in the amount of XXXX ( Half the amount of my Pre-qualification ) They denied my request because they said my Credit Score was not high enough. The Lowest or even Average of my 3 Scores were Still Above the XXXX minimum even by at least XXXX points. XXXX XXXX whom I spoke with could not give me any other reason for my denial, other than that my score did not meet their requirements. I find it astonishing that a company who was quick to prequalify me for XXXX would Deny my for Half the same amount even though my Score was Above the Required Minimum. In Summary, this whole ordeal has not only left me with a lower credit score, but I am all too familiar with the Unspoken tactics of Discrimination. As an XXXXXXXX XXXX Veteran who's Served my Country, not only did I risk my Life for the Freedoms many take for Granted, but I am also a Tax payer who's dollars went to Bail out these Same institutions who Discriminate against the Very same Americans who has invested So much into this country. I not only find it distasteful and disheartening, but Outrageous and Disgraceful at How their Conversation and communications changed after I sought Pre approval for a Conventional Loan. Institutions like this who are Not willing to Loan even Safe amounts to Citizens who are capable of paying should not be allowed to do business. a Home is an Amercan 's 1st and Biggest investment, and to be Denied, despite being able to pay financially and with a passable credit score has reawakened why I haven't sought home ownership in years past. It's because I've seen and experienced this SAME KIND of Discrimination. Almost ALWAYS Hidden and Discreet. Polite speech with even apologetic words, but always with the same results, because there is No accountability for their Actions.
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| 07/26/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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We applied for a mortgage on the XXXX of XXXX the kept delaying while saying they are working with the seller. I was on text messages where they would not respond to him his calls and text went unawnser for weeks. Once it was done then they told him what they needed. They also told us to put ours for sale and has us sign an intent to sale. During the process we were told multiple times that it was being processed and then a week ago they ask for a paystub they had since the XXXX we sent them the verification link and the manager ask what I wanted him to do about it. He told me he was on vacation with his family and that I should not bother him during that. We then continued to go back and forth with many text and email requesting updates everyday and all we got was that they were working on it and it would be ok. On Tuesday 3 days before closing we got a call that it was sent to an outside underwriter without our knowledge or consent. We were told Friday evening it was still in house and that was after XXXX. Then we got the information that it was sent somewhere else at XXXX on Monday. We questioned with no explaintioncbut was told and I quote if I say anything I will " lose her goodwill '' other heard and can arrest to it being said as I have a aid here daily because I became XXXX in XXXX and that is why we are having to sale.
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| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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RECEIVED A LETTER FROM : DIRECT MORTGAGE LOANS LLC XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - MARYLAND XXXX THE FIRST PAGE WAS NOT DATE ; HOWEVER, IT WAS INDICATED THAT THEY MY RAN A CREDIT REPORT WHEN I DID NOT AUTHORIZE IT!!!!
WHEN I CONTACTED THEM BY PHONE, I WAS TRANSFERRED TO VOICEMAIL ( 2X )!!!!!!
I DEMAND THAT THIS INCIDENT BE INVESTIGATED!
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| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Application denials
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Phone |
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| 04/29/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Phone |
Older American |
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| 08/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Phone |
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| 07/11/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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|
Web |
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| 02/11/2013 |
Yes |
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- Loan servicing, payments, escrow account
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Referral |
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