| 01/15/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am asking the Consumer Financial Protection Bureau to investigate my Lender for not Qualifying our Mortgage correctly and our Ability to Repay because of their failure to do their duty of care in investigating the documents and evidence given to them when financing our loan. They were careless and did not follow normal standards. Now XXXX XXXX is trying to foreclose on our property, so they can profit from our demise. If they would have followed the FHA minimum standards and disclosed our rights to us when we switched from a Conventional Loan to a FHA Loan, we would not be in the situation we are in today.
The CFPB has adopted the Ability to Repay requirements so, the Lender, would use reasonable measures to investigate consumers looking to buy a home. This also requires them to use reasonable measures to read all evidence presented to them and not ignore the information given to them when processing the loan. Only the Mortgage Lender and Underwriters have ALL information, documents, disclosures such as form 17, appraisals, reserve studies, estimates for damages from contractor, holdback agreements, HOA/Condo Association CC & Rs presented to them all together. They are responsible for going through them and making sure everything is legal. Ignoring evidence may affect the ability to repay a loan. XXXX XXXX XXXX, was responsible for failing to do their duty in lending. XXXX XXXX did not do their duty to disclose, investigate and evaluate the property. Evidence from Third party participants and inconsistent standards were used, without reasonable justification. This has caused us financial harm and may cause us to lose our home.
We were preapproved for a Conventional Loan in XX/XX/XXXX.
XX/XX/XXXX The Appraisal was done on by XXXX XXXX XXXX for our Conventional Loan.
A holdback agreement was drawn up for the water intrusion damages at the backslider door and the floor in front of it. The seller had a dog and we were under the impression she had left the door open and water had gotten in.
We switched to FHA financing on XX/XX/XXXX.
The only changes disclosed to us, by XXXX XXXX, was the percentage down would change to 3.5 % and the closing date would be delayed 15 days. We were told everything else had to stay the same.
A Direct Endorsement Underwriter was assigned to our loan. This Underwriter verifies everything on the loan is done correctly and can void a loan even after the closing date, if she finds that the property is not insurable due to damages. We were not informed that we had a Direct Endorsement Underwriter or that she could cancel the loan. We also were not told we had the right to have all damages fixed prior to purchase and change the loan agreements, now that we were going FHA. Evergreen did not disclose the water intrusion damages holdback agreement on the HUD-1 agreement or any FHA paperwork.
A FHA minimum appraisal was required to be done. Evergreen is responsible for making sure the FHA minimum appraisal is done. Instead, they used the Conventional Appraisal done on XX/XX/XXXX that neglected to do the FHA minimum standards. There was no inspection of the roof, attic or notes of the damage at the slider door/floor. Instead, Evergreen had the appraiser sign and date it for XX/XX/XXXX and submit it has a FHA Appraisal. This Breach of Duty caused a manipulation of the value of the home. Evergreen had a duty of care when they decided never to disclose to us that we had any rights to change the Conventional loan agreement, when we switched to the FHA loan. ( We did not receive the appraisal until 2 weeks ago. That is when we realized they did not follow the standard of care. ) The Direct Endorsement Underwriter, XXXX XXXX, from XXXX XXXX had a duty to double check that ALL REASONABLE standards and a proper minimum FHA appraisal were to be done to check ALL Documents were properly filled out, signed and there was nothing that wasnt improper. Many things were missed and red flags that a reasonable underwriter and lender should know to look for. The New roof was never inspected or checked for permits. The HOA never pulled permits, so it is not up to code and there are no warranties. Also, FHA requires our utilities be metered separately, which they are not. These are FHA minimum standards that the DE Underwriter ignored and would have been caught in a FHA minimum appraisal. There were other significant red flags the DE Underwriter should have known to look for. If she did not know these minimum standards, she should not have a DE underwriter certification. It is the Direct Endorsement Underwriters responsibility to investigate the buyer and the property to make sure they both are viable candidates for the ATR and to be insured by the FHA. If the property wont last the time of the loan, it can not be insured.
There were fraudulent statements made by the seller and her agents that were ignored by Evergreen. The seller disclosed on Form 17 that there were NO WATER INTRUSION in the home and NO DOORS had any damage. The DE Underwriter should have notice that the sellers disclosure statements did not match and that her contractor did an estimate for the water intrusion, prior to us getting the inspection results back. The date on the estimate from the sellers contractor, XXXX XXXX from XXXX, is XX/XX/XXXX and our Inspection was done on XX/XX/XXXX. How did they know the water intrusion damage was there? The seller and her realtor said there was NO WATER INTRUSION on Form 17, but knew enough to get estimates for water intrusion before we had results back from our inspection. Evergreen should have detected the fraud by the Seller, the Realtor. That is the DE Underwriters duty of care to make sure these kinds of fraudulent misrepresentations are not used to finance a loan. This damage and failure to disclose will ultimately cause this loan to fail because we can not resale this home. We just found out that the Seller 's Realtor and Contractor are married and were using her maiden name to cover up that they were sharing information to our detriment.
We signed a holdback agreement as a part of our Conventional Loan in good faith that the Seller was being honest. Evergreen had the evidence that the seller and her Realtor/Contractor were using Fraudulent Statements. We did not want to do the Holdback agreement and would have cancelled it if we were given ALL THE FACTS. WE FELT THIS WAS A SCAM. The DE Underwriter ignored the evidence and used inconsistent standards without reasonable justification. The seller and her contractor even tried to quit, so the seller would get the Holdback monies returned. They had planned the entire scam and Evergreen was helping them.
XXXX XXXX, the Property Manager, XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX Condo Association also knew of the water intrusion and did not do their duty to restore the limited common area. They did not disclose that they had already approved over 10 % of the budget for XX/XX/XXXX and XX/XX/XXXX. The Property Manager supplied Evergreen with the XX/XX/XXXX Resale Certification, but gave us the XX/XX/XXXX Resale Certificate. The XX/XX/XXXX did not disclose the failing gutters, no waterproofing under the vinyl siding, or around the windows/doors and no sealant. We were given false information to base our buying decision. Evergreen should know the Condo Laws, that make them responsible for ALL DAMAGES and required them to fix them prior to purchase, but instead, they used fraudulent statements to finance a loan under the FHA. A Lender and Underwriters should know the Laws or they should not be a Lender. This has caused our home damages and has allowed the HOA to abuse their powers to restore. In the end, Evergreen will profit from our demise by getting the FHA to insure the loan when it fails. They could have prevented all damages, just by following the standard of care, instead they used inconsistent standards without reasonable justification.
We reported further damages caused by the Seller, within 3 business days after the closing date, that showed water intrusion in the living room, that the seller hid. The DE Underwriter had the power to void the loan due to these damages. Instead, Evergreen ignored our report of the further water intrusion and sellers damages done to the home.
Lenders should be held liable for using fraudulent statements and appraisals to finance a loan. They are the eyes and ears for the buyer to make sure the everything is disclosed, so it does not affect our ability to repay the loan. That the vinyl siding, windows/doors have no waterproofing under and around them, allowing water to seep into our walls and cause mold, wood rot and moisture intrusion. Plus, there is no sealant under our doors that allows water to rush in. Evergreen did not disclose all the documents, rules, and laws to us and knowingly made a misstatement of material fact when they said a FHA Appraisal had been done. They knowingly concealed our rights of being able to redo the FHA Loan and have all damages fixed prior to purchase or be able to cancel the loan. We relied on their facts to our detriment.
Evergreen is responsible for not disclosing the truth in lending. They allowed fraudulent statements by the Seller, her Realtor, her Contractor, the Appraiser, and the HOA to be given and decided to ignore it, then not disclose it to us or on the HUD-1 statements or FHA paperwork. Evergreens failure in FHA lending laws that has caused us and may cause FHA to pay for a loan that will fail. The little details matter in Mortgage Loans. Evergreen had ALL INFORMATION and we were only given partial information.
Our home has significant damages caused by the failing gutters, no waterproofing under the vinyl siding or around the windows/doors and the missing sealant under the front and slider doors. We have mold, wood rot and live in poor/substandard conditions. We are fighting and doing everything in our power to save our home and investment. The XXXX Associations Fraudulent reporting to the FHA should be cause for this project to be removed from the FHA list. Our roofs are not up to code and we will never be able to sell our home. FHA will end up paying for a Foreclosed home when we run out of money, due to Evergreens failure of duty of care.
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| 06/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I started working for Evergreen Home Loans ( EHL ) in XX/XX/XXXX. I was the Default Supervisor over Bankruptcy, foreclosure, property preservation, and post foreclosure claims. Within a couple of days working for EHL, I started to notice things that I knew were unethical, way outside of investor compliance, and violations that have been set by regulatory agencies. I will further explain following the main reason for my complaint. Due to me being over foreclosure there was an account for a XXXX XXXX that I reviewed for possible foreclosure due to the account being roughly 31 MONTHS past due, as most of their accounts are. There were many leaders and higher-up leaders that turned a cheek to most things unless it became a major issue. I sent the loan back to loss mit telling them tat there was no way I felt comfortable referring this loan to foreclosure, because our due diligence was most certainly not done, and there were many things unclear surrounding what happened to the loss mit XXXX XXXX requested a modification on several occasions and he was unsuccessful. I do know there were some issues on his end getting us docs and of course issues on the EHL side.
Borrower Name : XXXX XXXX ( Phone : XXXX ) Loan Officer for EHL : XXXX XXXX XXXX ( NMLS # XXXX ) Lien Holder for the {$70000.00} is XXXX XXXX XXXX ; recorded on XX/XX/XXXX XXXX filed on XX/XX/XXXX XXXX filed on XX/XX/XXXX XXXX filed on XX/XX/XXXX Sale date was on XX/XX/XXXX XXXX XXXX was diagnosed with a XXXX XXXX and had to retire from being a XXXX, had XXXX children I believe and a wife. His home was located in XXXX, NV and he owed EHL roughly XXXX XXXX and we were aware that he had a second lien for XXXX XXXX and possibly there was a 3rd lien. In total, he owed roughly XXXX XXXX and his home was worth roughly XXXX XXXX. In XXXX I was asked by the Director, XXXX XXXX to look into the XXXX file. I heard bits and pieces of some issues surrounding this loan, and there seemed to be some kind of drama about how he initially came in contact with EHL with his first mortgage we originated.
- XXXX XXXX called EHL sometime in XXXX to let us know that his second lien holder had filed or was planning on filing an eviction action against him. His sale date was XX/XX/XXXX, XXXX was threatening to foreclosure by his second mortgage. XXXX then sent us the actual documents for the foreclosure, informed us that his 2nd mortgage was making threats to him and went as far as filling an eviction.
- I was asked to look into the file because the home had foreclosed and the Director, XXXX wanted to know how we could still secure our lien position to get the XXXX XXXX XXXX owed. I kind of heard there was some " gossip '' going around about this loan, as the 2nd lien holder kept calling asking to speak to XXXX XXXX the VP at the time. Why would a lien holder demand to speak to the VP of default.
*******IMPORTANT*******The day I was asked to look into this loan was the same day I was told that the loan officer on XXXX XXXX XXXX first mortgage with us was done by one our employees, XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ''. XXXX apparently had a personal relationship with XXXX because they used to be XXXX in NV and attended the same church.
THE MAIN ISSUE : XXXX called into XXXX ( repeat business ) and asked XXXX if he could take a second mortgage out against his house due to the medical bills and things he was going through. Instead of going through the normal process of filling out an application, etc. XXXX tells XXXX that he will loan him the {$70000.00} and would then lien his property for the {$70.00} in 30 days. A personal loan was then given to XXXX, by XXXX on XX/XX/XXXX a promissory note was recorded. XXXX never put XXXX info into the computer to see if he even qualified for a HELOC. XXXX trusted XXXX until things went south due to XXXX defaulting on the home. XXXX spoke badly about XXXX at their church and in their community. XXXX knew every step of the way where we ( default servicing ) was in the process of his account, because ALL documents on the originating side and the servicing side are housed in encompass. XXXX was able to see all notices, invoices, payments made, loan modification docs, etc. He had full access to the account.
XXXX forecloses, EHL finds out that he is an employee of EHL around the beginning of XX/XX/XXXX, EHL only cares about securing their money and that is when I was asked to have XXXX XXXX pull title to see if we could still foreclose. Meanwhile EHL is telling XXXX to keep sending in his docs for a loan modification AFTER the home foreclosed. XXXX XXXX XXXX was not fired until XX/XX/XXXX. In pulling title, I was the first one who was made aware that there were more homes that XXXX did this on, but for different reasons. One person he gave them XXXX XXXX for a deposit on a new home and had the borrower 's write a letter saying the money came from parents, when in fact, it came from him and then 30 days later he liens the property. EHL leaders all the way up to the CEO, XXXX XXXX knew about this and did nothing.
On ... ( these dates are from the notes in the system of record XXXX that I have a copy of for proof.
- XX/XX/XXXX- XXXX XXXX foreclosed on XXXX home. No one showed up to the auction and XXXX XXXX was able to get the home for roughly XXXX XXXX
- XX/XX/XXXX - an inquiry was received to the XXXX email inbox notes in XXXX : " received email via XXXX inbox from loan officer and the email asks if the loan is current, what is the monthly owed and he asked for a billing statement. This was XXXX who sent this request, next an employee of EHL sends a billing statement to XXXX. There was no 3rd party auth.
- XX/XX/XXXX - EHL sends a loan modification packet to XXXX ( his home had already foreclosed ) - XX/XX/XXXX - XXXX calls in to speak to XXXX in Collections and says that XXXX XXXX XXXX posted a sale notice for XXXX XXXX on his door. He said it was important to speak to XXXX that same day, since XXXX says they are coming to evict him. XXXX was unavailable and told XXXX she would call him back.
- XX/XX/XXXX - I was asked to contact XXXX XXXX to schedule a meeting - XX/XX/XXXX - the first meeting took place with XXXX XXXX and EHL. I attended that meeting.
Once this entire mess came to light, I was asked to schedule meetings with XXXX XXXX who would have been the foreclosure attorney and I was present for those meetings and it was very apparent that EHL only wanted to foreclosure on their lien and did not care about the fact that XXXX was still an employee of EHL. XXXX XXXX requested that EHL sign a waiver recuse them due to the severity of the situation and the worst part was, EHL didn't think they needed to fire XXXX. They stated and I quote, " the agreement was made between XXXX and XXXX ; that has nothing to do with us ''. I told them they did not have a choice but to fire XXXX. I was then taken off of all meeting pertaining to this account. The other homes that XXXX did this to, because they were not in default, EHL did nothing. XXXX told EHL the he was in no hurry to give them their money and EHL knew that XXXX could have gone to CFPB and this being news worthy, so they did not file anything against his NMLS license and he is currently still originating loans.
I did further digging on XXXX and found connections to a couple individuals that were shut down by the feds. I did not go to my boss because he is unethical and I saw how they were trying to brush this under the rug. I went to the risk management officer and I believe she is the COO or.. I will get her name and title. I was then brought into a meeting with HR and told that I had to go to my immediate boss and then a couple weeks later I was fired. I was told that it was for " unsatisfactory performance '' and that was far from the truth. I worked 15+ hours a day, built out 4 departments, sent 40+ houses to foreclosure that just sat there with no one thinking that it was important to work the accounts. I worked my XXXX off for this company and I was mocked for preaching compliance all the time by the Director, XXXX.
There were incompetent people working there in loss mitigation, that purely did not care about their jobs, they did not care about the borrower 's lives that they negatively impacted. They would process docs whenever they felt like it, they were falsifying notes in MSP ( system of record ), deleting notes, there was a collections rep XXXX who told a borrower to commit fraud and told the borrower to tell the loss mitigation rep that she was affected by COVID so that she would automatically get a loan modification. XXXX was written up and allowed to keep her job, and I was fired and I never did one thing wrong. I was even told by XXXX that I was insecure until I proved him otherwise. Obviously, that is another organization to file with. I have take so long to file this complaint, because I have dealt with a lot of emotional turmoil from this. I lost my job for doing the right thing and I am now losing my home because I can not find a job in this market, I am a single mom and I could lose my kids at any moment, all because of a company who does not care about anyone and only care about the numbers and hiding as much as they can. The XXXX situation is a big deal ; however, this is just one of many unethical events that I witnessed that no one cared to do anything.
The Director, XXXX doesn't know what he is going and the VP XXXX who left and went to XXXX sat in her office doing nothing about the aged 30+ payments behind accounts.
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| 06/04/2018 |
Yes |
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Web |
Servicemember |
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Our FHA Loan closed on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) was in charge of the Escrow Closing. Our Escrow Agent, XXXX XXXX, was signed on as of XX/XX/XXXXto handle ALL documents, funds and payments of Escrow. XXXX XXXX DID NOT finish Escrow and allowed the Lender, XXXX XXXX ( XXXX ) to receive funds and waive our rights to a final inspection, without our knowledge, causing us severe damages. These damages could have been prevented, if she would have followed ALL instructions at Closing. XXXX XXXX allowed XXXX to waive our final inspection REQUIRED after " works '' for Repairs were done.
XXXX waived this right on XX/XX/XXXX without disclosing this to us. It wasn't until I did a QWR inXX/XX/XXXX that this was finally disclosed to us. All changes to the Purchase and Sell Agreement had to be in writing. I have asked both XXXX and XXXX for the disclosures to show they put the waiver of the final inspection by the ORIGINAL inspector in writing and neither company can provide this. The Holdback agreement for repairs states : " Another inspection, completed by the original inspector AND satisfactory to the Lender will be required, before ANY funds SHALL be disbursed by the Escrow Account. '' XXXX XXXX released funds to XXXX on the Closing Date XX/XX/XXXX. Repairs were not finished until XX/XX/XXXX, therefore violating her Escrow agreement with us.
XXXX was to disburse ALL funds by ESCROW CHECK or Wire Transfer to the contractors, brokers, etc. XXXX is a third party that was not allowed to receive funds for other contractors, unless we gave them specific instructions and disclosed on closing documents. Since this was not done. This gave XXXX the power of Fiduciary over our loan and the capability to be self-serving and protect their interests, not ours. Any changes to the contract had to be approved by us in writing. The Holdback agreement was updated by XXXX on XX/XX/XXXX, and signed by us. At this time, the final inspection and 1004D appraisal were still required. They did not disclose they had already waived our right to the final inspection or that XXXX would not require one to be done for the water intrusion damages. It took us 4 years to figure out why the " works '' were never inspected, as required by ALL contracts.
These water intrusion damages have affected our living conditions with mold, moisture and possible structural damages. It is clear in ALL directions that XXXX is to issue ALL checks directly from Escrow. XXXX had sole authority over the Holdback agreement, ONLY because XXXX-XXXX XXXX gave them that authority. If the requirements were followed, XXXX would have had to sign the holdback to release funds after the inspections were completed, state who did the final inspection, then funds would have been released from Escrow to the Contractors after the Mechanic Liens were checked for. The Seller and Buyer agreed that ALL REPRESENTATIONS AND INFORMATION regarding the PROPERTY and TRANSACTION are SOLELY FROM THE SELLER AND BUYER. How did XXXX breach Escrow? How did they convince XXXX XXXX to release funds that did not belong to them? This would take collusion on both sides and is very self serving.
We put our trust into XXXX and XXXX to do what was in our best interest at all times. Waiving final inspections without disclosing it to us and taking funds from Escrow and giving it to the Lender, without prior disclosure or our permission, is a breach of escrow. This allowed XXXX to finagle receipts and numbers, waive final inspections and do what was in their best interest, ignoring what was in the best interest of the client. XXXX would NOT ACCEPT ANY RECEIPTS THAT DID NOT MATCH THE ESTIMATES GIVEN BY CONTRACTORS. If there were any further damages found, ( which there were prior to the works being done and reported to XXXX ) XXXX was required to charge the Buyers to fix the repairs CORRECTLY. How did XXXX know REPAIRS WERE DONE CORRECTLY IN A COMMERCIALLY REASONABLE MANNER, AS REQUIRED IN THE PURCHASE AGREEMENT? The final inspection was required to make sure ALL repairs were done CORRECTLY. XXXX stating The XXXX inspection was good enough is a breach of our contract with XXXX. They knew as of XX/XX/XXXX( 3 working days after closing ) there were further damages found and this loan would fail if they did the final inspection and a 1004D appraisal. They should have demanded the inspections were done and ALL damages were fixed correctly. We would have been required to pay for the damages and would have fought this battle back in XX/XX/XXXX, saving us years of pain and suffering. Our insurance company would have been called in and disclosed to us that it was the HOAs responsibility. Instead, we were told we would have to give ALL money back to the SELLER and pay for ALL DAMAGES ourselves and XXXX could put a lien on our home.
XXXX had NO RIGHT to WAIVE OUR RIGHTS EVER!! They certainly did not have our permissions to waive or change the contracts as written or NOT DISCLOSE THESE CHANGES TO US PRIOR TO CLOSING. XXXX is using these same damages that they DID NOT INSPECT, TO FORECLOSE ON US AND PROFIT FROM OUR DEMISE. Their failure to disclose they waived our final inspection, prior to closing has left us in a home that we can not sell. I have sent QWRs and they have denied to fill them out claiming they are unduly burdensome, proprietary, or beyond their scope permitted. They DID NOT REPLY in the timely manner permitted by law. I have requested the collection calls stop. The agents will not speak to us, but harass us. I have requested they call my attorney, yet XXXX ignores this and calls us every day. We have done this in writing to XXXX XXXX, who has handled our complaint from the beginning. I sent the QWR to the proper place, certified mail and they acted as if they never received it, violating RESPA. This company harasses and ignores their clients best interests.
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| 02/16/2018 |
Yes |
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Web |
Servicemember |
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I have a loan that closed with XXXX XXXX on XX/XX/XXXX. There was never a final inspection or appraisal done as required by the Holdback agreement signed at Escrow and was to be executed and funds released AFTER ALL REPAIRS WERE FINISHED, INSPECTED AND A XXXX APPRAISAL WAS COMPLETED TO INSURE THE VALUE OF THE HOME HAD NOT DECREASED. I have requested the FULLY EXECUTED HOLDBACK AGREEMENT from XXXX and they have REFUSED TO RELEASE IT TO ME. Instead, they sent a fraudulent agreement, that proves we were not satisfied with the Holdback agreement. We also can prove XXXX made us sign off on the Holdback repairs under duress. If we did not sign, they would return the {$2000.00} to the seller and we would be liable for all repairs. XXXX and the contractors that did the repairs would be able to apply a lien on our home. XXXX NEVER DISCLOSED TO US THAT THEY WAIVED THE FINAL INSPECTION AND APPRAISAL/XXXX UNTIL A WEEK AGO. They omitted and never disclosed this on any Loan Disclosures prior to closing. XXXX NEVER planned on following the Holdback agreement. They received the {$2000.00} from Escrow prior to the repairs ever starting, which is a breach of contract and then never paid one of the contractors. ( The contractor had to contact me to get paid. They received payment on XX/XX/XXXX. ) XXXX NEVER DISCLOSED ANY DAMAGES DONE BY THE SELLER, THAT WE REPORTED TO THEM 3 DAYS AFTER CLOSING AND PRIOR TO ANY REPAIRS BEING DONE. A final inspection and appraisal would have prevented this home loan from ever going through and XXXX knew this. They interfered with a contract to benefit from the loan. They did not look out for our best interest when they became the fiduciary, by taking control of the money for the Holdback agreement and then not FULLY EXECUTING IT AS WRITTEN.
We have contacted XXXX XXXX XXXX XXXX to get a copy of the signed Holdback Agreement. As you can see, both the Escrow agent and XXXX did not follow the Agreement. Funds should have never been released. I spoke to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will tell you I never spoke to anyone until XX/XX/XXXX, but that is another misstatement by XXXX, who has denied that they had to follow the Holdback agreement. Only WE WERE FORCED TO FOLLOW THE TERMS OF THE AGREEMENT. According to XXXX, they COULD WAIVE ALL OF THEIR DUTIES BECAUSE IT WAS A " IN HOUSE '' AGREEMENT. That is not what we signed at Closing.
XXXX has refused to speak to us any further. They state they have educated us enough, even though they have not fulfilled our QWR to turn over ALL signed Documents in our file. They sent 355 pages, 2 appraisals, but refuse to send the FULLY EXECUTED HOLDBACK AGREEMENT or THE SIGNED WAIVER OF THE HOLDBACK AGREEMENT, that would have disclosed the change of this document prior to closing.
I have emails showing our duress as XXXX enforced the Holdback agreement. Never once did they ask if we were satisfied with the repairs or if we inspected them, but insisted the form was signed, or the contractors would not get paid.
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| 02/27/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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In XXXX we bought a home and it was new construction. The county had not assessed the home yet for taxes so the lender used 1.25 % of our purchase price as an estimate. They collected three months of the estimated taxes and each month when we make our payment they were collecting {$490.00} for taxes. In our state taxes are due in XX/XX/XXXX and XX/XX/XXXX. The county had not updated our taxes by XX/XX/XXXX so I called the lender to see if they could release some of the escrowed taxes. They said they could n't until XXXX XXXX assessed the home and we got a statement. On XXXX/XXXX/XXXX we got our statement with our fully assessed taxes from the county. I contacted Evergreen Home Loans via email message on the website and phone. A rep told me she would submit the statement to the escrow department and it would be resolved in 3 days. I was never contacted again. I called back in on XXXX XXXX and a new rep helped me. She said the previous rep had never initiated anything but she would help me. She even looked up the statement with the county while on the phone with me. She told me it would be resolved and I would get a call in three days. Another three days went by and still no call. On XX/XX/XXXX I messaged them again via their website. This time the rep said they wo n't review until after the account is a year old, but they were making an exception. SHe said I was getting {$3200.00} and it would be here in 7 to 10 days. I asked her if my payment was changing also ( it should go down {$70.00} ) and she said no ... they wo n't change that until XX/XX/XXXX when the account is a year old. Then, she sent another message stating they were sending {$2800.00}, not {$3200.00}, they did their math wrong. When I messaged back asking if I could get an explanation or a phone number to call an escalation office she did not respond at all. 5 days later I got a generic message stating to call customer service with further questions. Today I looked at my account and they are showing my bi-annual taxes are {$2900.00}. They have been provided with my tax statement that clearly shows my bi-annual tax payments are {$2500.00}. They should be collecting now $ 418 monthly for taxes. As of today they are collecting {$490.00}. Previous to my submitting the statement the escrow info showed {$1.00} owed. Then they updated to the correct amount of {$2500.00}. Now they changed it to {$2900.00} for no apparent reason. My escrow balance is {$3800.00}. When I make my XX/XX/XXXX and XX/XX/XXXX payment the balance will be {$5500.00}. Taxes are due at {$2500.00}, and insurance is due at {$840.00}. Also I have PMI of {$290.00} per month. So on XXXX XXXX after everything is paid my balance will be {$1500.00}. Per HUD 's website they can only keep an overage of XXXX of my taxes and insurance amount due per year. ( XXXX x XXXX = {$930.00} ) So they should be returning an additional {$640.00} to me. I have yet to receive the {$2800.00} they claim they sent on XX/XX/XXXX, but I trust it is coming.
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| 07/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem.
Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved.
Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes.
Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}.
I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage.
|
| 09/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
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I came to Evergreen Home Loans, specifically XXXX XXXX in XXXX because she was highly recommended by XXXX in XXXX. I filled out the loan application online. I was prequalified in a few weeks which was too long, and ultimately became too long for the purchase of the property. XXXX took 6 weeks to send out the disclosures for the loan application from 6 weeks earlier. I had received no information as to all the fees and expenses to getting a loan. I was forced to sign them even though the data was out of date. I was also forced to use my married name which was no longer my name since my divorce. She complained that she had too many loans to process and did n't have time. I learned along the way that the loan priority was whoever complained more and was close to their closing date received more priority. So far, this I professionalism was quite obvious and the situation became even worse.
She rarely returned phone calls. If she did, it was so I could resend the original documentation for the third time or to ask me to verbally repeat information that she forgot. She gave me no answers to my questions and the any documentation had incorrect information which she believed was the truth. Her staff was incompetent especially XXXX XXXX. She asked me to sign the new disclosures in her office after I flew out from California. They were incorrect again so I went back home to XXXX. She and her staff do n't know how to be organized or professional. She forgot about my closing of XXXX XXXX. I reminded her, but she never picked up the phone and XXXX was too incompetent to deliver the message. I lost the house because of her. She did a " bait and switch '' at closing, assuming that I would accept it. I would n't take the loan. I spent thousands of dollars on travel to this house. For what? Unethical treatment and behavior. She obviously had no clue how to handle the loan along with her staff and confused her loan processor. I have XXXX witnesses who will give testimony to her questional unprofessional and unethical dealings. I contacted XXXX XXXX, her boss, who ignored me with concrete answers to my complaint. I later got financing elsewhere for a fabulous home and closed within 30 days. I began working with her XXXX in XXXX and the house never closed. Is this really acceptable? We know that it is not appropriate and there are competent loan officers out there.
|
| 11/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have received a letter from Evergreen Home Loans on XX/XX/2022 accusing me of not furnishing my Condominium Unit Owner Insurance and force-purchasing insurance for my property at an astronomical cost ( more than {$800.00} ) while I indeed have my own property insurance purchased at a much lower cost. I have submitted proof of my Condominium Unit Owner Insurance FOUR times in the past 2 months previously but the loan company ignored all of my communications making me believe that they are attempting to force their own insurance on me no matter what the situation is.
I received the first letter from them requesting insurance information this year on XX/XX/2022 and on the very same day I submitted the requested information on Evergreen.Providemyinsurance.com per the letters instructions.
Nevertheless, I received another letter on XX/XX/2022 suggesting that the information was not received and threatening that insurance would be purchased for me at a very high cost. I then - Immediately contacted them over the phone on XX/XX/XXXX and was instructed to send the document again to XXXX. The e-mail was sent on the same day and the phone agent informed me that it would be taken care of within 24 hours.
On the same day ( XX/XX/XXXX ) I also re-submitted the document on Evergreen.Providemyinsurance.com.
My insurance company also faxed the insurance declaration on XX/XX/XXXX to their companys fax number.
Despite spending all these time and effort furnishing the property insurance information to them in various ways, they still keep disturbing and harassing me. I find this business behavior of force-purchasing insurance in spite of the fact that I have fulfilled my loan requirements very dishonest and unbelievable.
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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I closed on a home on XX/XX/XXXX and paid for home inspection in advance through my realtor with XXXX XXXX realy XXXX XXXX. Inpection found standing water from a leak. I ask that the owner repaired before i closed. The realtor said it was taken care of, i moved in on XX/XX/XXXX and over a few month, i started smelling a odor and smell when i opened my cabinets under the bathroom sink and drain in the shower. I googled a company called crawl pros that come out for a free estimate. They said that i had 8 - 10 inches of water in my crawlspace. I called my realtor and text her to see if the guy that did the inspection went back after the work was done. I finally found his number because she sent me a text that she would contact the owner.
I ask to see proof that repairs were done. She forwarded me a invoice from the company that sold me the home XXXX XXXX XXXX that looked like fraud with there name on the letterhead and different prices for the repairs and no taxes included. In the state of Washington they are contractor s and can not do the work themselves. The date was on XX/XX/XXXX that XXXX XXXX inspected my home and i called safeco insurance and opened a claim on XX/XX/XXXX and called XXXX XXXX XXXX on XX/XX/XXXX or so. One compsny had to drain water and sanitize and XXXX XXXX XXXX sent the plumber. The company And previous owner XXXX XXXX license was suspended on XX/XX/XXXX I feel like this owner sold me a home and never fixed the repairs and tried to falsify records. I will have to come up with money that i sm not responsible for and i wouldn't never had bought this home if it was in this condition.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I inquired to see if ( Evergreen Home Loans ) could remove a late payment from XX/XX/2022 that was reported to the credit bureau. ( They did however remove the late fee ) This was the first time that I have had any type of occurrence of this nature, if they were look at my past history it solidify my statement.
When I first discovered that this occurrence happened, I immediately called and spoke with a loan representative and sent in payment for full resolution of the XXXX $ in question.
The original payment check was sent in but with an error on it.
The error was that when physically writing out the complete dollar amount on the check the words " XXXX XXXX '' were accidentally omitted, However the full loan payment amount of XXXX was written numerically correct on both the check and on the voucher.
Evergreen home loans response to my request was " Unfortunately, we are not able to correct Per CFPB guidelines, we are required to post the check for the amount that was written out ''.
what CFPB guidelines are they referring to? there response has nothing more than a loose mention of the CFPB with no supporting information from the CFPB guidelines to support their statement.
Can they remove the reported late payment from my credit report? And why cant they correct it?
|
| 07/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Evergreen Home Loans ( EHL ) required me to submit payments as money orders for a series of months, so I have been submitting payments using USPS money orders and Priority Mail Tracking. The XXXX payment was mailed on XX/XX/XXXX and was delivered to EHL 's po box on XX/XX/XXXX, but they lost my payment and proceeded to send me delinquent account notices and assessed a late fee. I have been in contact with them by phone for about 2 weeks since receiving the delinquency notice and they were given both the USPS tracking number and the money order numbers ; they told me they would call me when their cash department located my payment, yet haven't followed through on their own 72 hour timeline twice now. Today, I was told if I submit my XXXX payment they will only use it to cover the XXXX payment that should've already been applied to my account. This XXXX payment included extra money to the principal and was a total of over {$2400.00}.
|
| 09/09/2021 |
Yes |
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|
Web |
Servicemember |
|
We were in the process of getting a house XXXX XXXX XXXX XXXX XXXX ID XXXX. We were a week away closing on what was suppose to be our house end of XX/XX/2021. XXXX XXXX at Evergreen home loan then called me to inform me that they made an error and put more income than they should which they knew that it should just be my husbands VA XXXX and not the GI money. He then asked me to get a cosigner which my parents tried and it didn't work out. This caused my husband I many issues. We lost money on a house we couldn't get because of him. I have tried emailing and texting and no response since my husband attempted suicide because how depressed I got from loosing a home and we sent our boys to my moms to pack for a month. We want our money for the inspection and escrow that we had to fight for which he did not care to help. Evergreen home loan Address : XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone : ( XXXX ) XXXX
|
| 01/07/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
We have been providing XXXX XXXX and XXXX XXXX XXXX of Evergreen Home Loans every bit of information requested for months. Specifically and the latest incident is that our loan was declined due to the fact our rental property has not been rented for at least a two year period of time. When we inquired as to why they were telling us this only now when we furnished the rental property information months ago, their response was " lending requirements are always changing ''. In fact we learned that this has been a requirement of the USDA since 2016. Meanwhile, we have to forfeit a deposit we put on a manufactured home at the request of XXXX XXXX, a loan processor for this company to enable her to obtain a copy of the sales agreement in the amount of {$2500.00}. The evidence backing this complaint is in the form of numerous emails we will be happy to forward upon your request.
|
| 08/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
My family suffered a loss in income due to XXXX and had to take mortgage forbearance on this loan. We worked with Evergreen Home Loans on a trial program for a loan modification beginning XX/XX/XXXX. We've made all our payments on time every months since the agreement. We completed the trial period and were supposed to receive loan modification documents to sign around XXXX or XX/XX/XXXX. I called Evergreen Home Loans XXXX XXXX asking for my closing documents and they never sent them.
I talked to XXXX XXXX, in Loss Mitigation, a few weeks ago when I asked her to send me the loan documents. She told me that the offer had expired and sent me new documents with a higher interest rate and monthly payment than what I have been paying.
I am still financially impacted by the XXXX XXXX and can not afford the higher payment that Evergreen Home Loans is forcing me to pay.
|
| 02/24/2020 |
Yes |
|
- Trouble during payment process
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|
Web |
|
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I started a repayment plan in XX/XX/2019, rather than {$1800.00} a month, I was to pay {$2700.00} ( and change ) each month ... I have been on time with my payments except just recently I had a payment due on XX/XX/XXXX. I had called multiple times, sat on hold for collectively over 6 hours, I reached out my personal lender, and I even send a message through my online portal. Not ONCE was I sent a response or given a call. They are now saying I broke my repayment plan and therefore needed to put {$2700.00} down and repay {$2300.00} a month for the next 6 months. This is absurd and seems like theft considering I was on my LAST {$2700.00} payment and they were to go back down to {$1800.00} a month ... I was intentionally ignored and I wasn't ever provided any help or response.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My husband, XXXX XXXX, and myself have tried several times to correct an issue over the phone and through their Dispute process for Evergreen Home Loans. Evergreen Home Loans placed the loan in Forbearance for my daughter after loosing a job from COVID. Evergreen made a mistake of reporting the payment late when the loan for in Forbearence. They sent in a correction and XXXX and XXXX corrected it after much pressure. XXXX refuses and keeps making me supply more evidence that Evergreen Home Loan made a mistake. Evergreen Home Loan claims they have submitted several creations for all four names on the loan and there is nothing more they can do. So I turn to you to help me get XXXX to fix the issue.
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I XXXX XXXX XXXX, Was victimized by Evergreen home loans, XXXX WA on XX/XX/2022 and XX/XX/2022.
This company without my consent hired a third party to ran two separate hard inquires on my credit.
Causing credit damages, possible loan restrictions and risk of personal information being sold /lost to the enemies of the state by unauthorized credit handling.
Tried numerous times to with Evergreens home loans, their response was that my credit was so low that it wouldn't matter if they had it ran twice.
I agree, Have a little work to do.
My personal credit is not for them not to exploit in any manner, verbally or physically.
|
| 11/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We need your help. XXXX XXXX XXXX, sent us a letter in regards to removing our mortgage insurance.
In the letter XXXX XXXX XXXX stated the following : 1. We could only use the improvements we made to the home in the last year.
2. We could not use current comps from the increased market.
3. We could not order a BPO for a valuation, but only could order a appraisal.
4. We could not remove the Mortgage Insurance if we were not at 75 %.
5. They quoted the appraisal to be {$470.00} and then came back and asked for {$250.00} more.
|
| 10/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I sent a Request for Information on behalf of my client, XXXX, to Evergreen Home loans requesting information on both her XXXX and XXXX mortgages. Evergreen is servicing XXXX mortgages. Evergreen failed to reply to both Requests. My client was eventually forced to file bankruptcy to stop a foreclosure that was initiated by Evergreen on her second mortgage. We were never able to understand how Evergreen calculated the amount she owed on her XXXX mortgage.
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Multiple loan originations have been fraudulently originated on my behalf by Evergreen Moneysource Homeloans/ Evergreen Moneysource Mortgage XXXXEvergreen Homeloans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about : XX/XX/XXXX Loan # XXXX for {$270000.00} XX/XX/XXXX Loan # XXXX for {$170000.00} XX/XX/XXXX Loan # XXXX for {$140000.00} I am confused and do not understand how this could occur. This is major Consumer Abuse
|
| 05/18/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have lost my job due to Covid -19 and Evergreen Home Loans keeps on calling me and telling me i will lose my house if i do not issue the missed payments and they will start the short sale process.
Please help
|
| 12/23/2022 |
Yes |
|
|
|
Phone |
|
|
|
| 02/08/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 11/08/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/15/2018 |
Yes |
|
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 12/19/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 10/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 10/06/2015 |
No |
|
- Application, originator, mortgage broker
|
|
Phone |
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