| 06/17/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Date : XX/XX/XXXX Re : Violation of The Fair Housing Act, as amended in XX/XX/XXXXand RESPA Violation To whom it may concern : My name is XXXX XXXX XXXX My complaint begins with the mortgage referral activities of real estate broker XXXX XXXX XXXX ( " herein Ms. XXXX ), doing business as XXXX and XXXX, whose business address is XXXX XXXX XXXX , XXXX XXXX , CA. XXXX. RFJN Exhibit 1 Ms. XXXX at all times at the time of this incident was either employed or provided real estate broker services on behalf of XXXX XXXX XXXX a developer whose business address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX according to their Articles of Corporation, California XXXX Number XXXX. RFJN Exhibit 2 XX/XX/XXXX, XXXX XXXX XXXX, a XXXX Veteran found an ad for a home in the price range of {$490000.00},, for property address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX and contacted the Sales Office to schedule an appointment in which to view the property. Ms. XXXX contacted XXXX XXXX XXXX and told him that " we will open the door for you at XXXX. RFJN Exhibit 3 XXXX XXXX XXXX and XXXX XXXX ( his wife ) expressed to the lady in the Sales Office of their interest in the property. The lady in the Sales Office handed XXXX XXXX XXXX a document that outlined what XXXX XXXX XXXX had to do in order to get his name on the builders priority list. The lady in the Sales Office told XXXX XXXX XXXX and his wife that they had to be pre-qualified through the builders preferred lender and that they would be allowed to use their own lender in which further evidence of this can be found on the builders website under financing whereas the question posed was " Do I have to use your preferred Lender? '' The answer was " However, you are not subject to use them. ( see RFJN 4B, last page ) The document that XXXX XXXX XXXX received from the XXXX Sales Office was titled " '' Priority List & Pre-Qualification Process. '' In addition to that all of the information on the builders website reflects that all customers had to be prequalified by the builders preferred lender. RFJN Exhibit 4, A, B, and C.
XXXX XXXX XXXX and XXXX XXXX immediately went home to began the prequalification process with the builders preferred lender. Submitted in my pre-qualification application was my Department of Veterans Affairs award letter that reflected that I was XXXX XXXX XXXX due to my service connected XXXX, Social Security benefits letter, my OPM Retirement, my wife 's two weeks of paystub and my XXXX Preapproved loan letter.
After I had completed the online application I received an email from XXXX XXXX, ( NMLS # XXXX ), who is employed at Fairway Independent Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX. The email thanked me for submitting my loan application. RFJN Exhibit 5 XXXX XXXX, ( NMLS # XXXX ), who is employed at Fairway Independent Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX contacted XXXX XXXX XXXX via email and said " Congratulations on getting preapproved elsewhere. I am confident that well be able to do the same. I appreciate you sending everything our way so quickly. '' RFJN Exhibit 6 XXXX XXXX, ( NMLS # XXXX ), who is employed at Fairway Independent Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, sent XXXX XXXX XXXX an email in which stated " Hey XXXX, Yes, I need everything for a complete application file. This is not a prequalification, rather a preapproval. '' XXXX XXXX statement contradicts that of the builder whereas the builder only required that XXXX XXXX XXXX get prequalified through his preferred lender ( see RFJN Exhibit 4, A, B, and C ) and after which XXXX XXXX XXXX had the rights in which to use his own lender. XXXX XXXX even after being told by XXXX XXXX XXXX that he did not need a loan and that he only had to get prequalified through the builders preferred lender was adamant that XXXX XXXX XXXX be preapproved. RFJN Exhibit 7 XXXX XXXX then responded in an email and stated, " Please keep in mind I am the preferred lender for the builder. It is the builders decision on who they accept an offer from so I would recommend reaching out to the sales agent to see if they will accept your offer. '' This in my opinion is a blatant abuse of power. As the builders preferred Lender that does not grant XXXX XXXX the authority in which to change the terms of the builders requirement from prequalifying to preapproved without written authorization. RFJN Exhibit 8 XXXX XXXX XXXX then contacted the Sales Office to see if he would be allowed to move forward. Ms. XXXX, Broker and XXXX Senior Sales Associate stated in her email, " Hi XXXX, I will need you to proceed with pre approval process with our preffered lender. I can not hold any deposit without pre approval from our lender. '' Ms. XXXX statement as the Senior Sales Associate is contradictory to that of the builders in which only required that I get prequalified ( see RFJN Exhibit ). RFJN Exhibit 9 XXXX XXXX XXXX reached out to XXXX XXXX to ask if he would provide the Sales Office with a preapproval so that he could move forward. XXXX XXXX told XXXX XXXX XXXX in an email, " No, I cant do that. For me to send a preapproval I have to be able to do the loan. With all the emails I am unable to take a look at the file and try to figure out if we are able to do it or not. '' This statement is contradictory to that of the builders requirements in which only required that XXXX XXXX XXXX be prequalified ( see RFJN Exhibit 4 ). RFJN Exhibit 10 XXXX XXXX, after putting XXXX XXXX XXXX through all of this finally admitted to XXXX XXXX XXXX, " However, we CAN NOT give you a 100 % loan with your foreclosure/deed in lieu. '' This statement is contradictory to that of XXXX XXXX who stated, " Congratulations on getting preapproved elsewhere. I am confident that well be able to do the same. '' ( see RFJN Exhibit 6 ). The elephant in the room here was at what point did he XXXX XXXX realize that he could not do the loan? Secondly, once XXXX XXXX reached that decision then why wasn't XXXX XXXX XXXX allowed to proceed with XXXX? and lastly, who granted XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX the authority in which to circumvent the Builders prequalification requirements and turn it into a preapproval? RFJN Exhibit 11 XXXX XXXX, at XXXX had preapproved XXXX XXXX XXXX at {$570000.00} with 100 % financing with full knowledge of the fact that XXXX XXXX XXXX had a foreclosure/Deed in Lieu on his Certificate of Eligibility. Once XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX realized that the builders preferred Lender could not meet the loan offered by XXXX XXXX, at XXXX, XXXX XXXX XXXX should have been allowed to move forward with purchasing a home and that did not happen here as the builders preferred Lender was adamant at trying to place XXXX XXXX XXXX in a loan in which he did not want. RFJN Exhibit 12 XXXX XXXX XXXX was Denied the rights in which to purchase a home at XXXX, as the home in which XXXX XXXX XXXX was attempting to purchase was sold from under him just as XXXX XXXX told XXXX XXXX XXXX that she would do, if he failed to get preapproved with the Builders preferred Lender.
The Fair Housing Act The Fair Housing Act, as amended in XX/XX/XXXX, prohibits housing discrimination on the basis of race, color, religion, sex, disability, familial status, and national origin. Its coverage includes private housing, housing that receives Federal financial assistance, and State and local government housing. It is unlawful to discriminate in any aspect of selling or renting housing or to deny a dwelling to a buyer or renter because of the XXXX of that individual, an individual associated with the buyer or renter, or an individual who intends to live in the residence. Other covered activities include, for example, financing, zoning practices, new construction design, and advertising.
Due to their actions I XXXX XXXX XXXX was denied a dwelling as I was not allowed the opportunity in which to move forward and procure housing for me and my family as I had been pre-approved with 100 % financing through XXXX, in which XXXX XXXX, of Fairway Independent Mortgage Corporation admitted that he could not get me 100 % financing. What is more disturbing is that the employees of Fairway Independent Mortgage Corporation continued to harass me for additional documentation with full knowledge knowing that they could not give me 100 % financing like XXXX could and waited three days before they told me.
Even though it is a policy of the builders to have all of the potential homeowners go through the builders preferred lender, prior to allowing them to use their own lender it is not the LAW. Clearly XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX knew that the Fair Housing Act allow for exceptions to that rule for people with XXXX because it is a part of their initial license requirement, and license renewal requirements as it states ; The Fair Housing Act requires owners of housing facilities to make reasonable exceptions in their policies and operations to afford people with XXXX equal housing opportunities. That did not happen here as I was never given the opportunity in which to move forward. In addition to that it was never a requirement of the builder that I get preapproved through the builders preferred Lender.
I was never given this opportunity. In fact I was harassed by all of the parties involved to provide additional documentation for a loan in which Fairway Independent Mortgage Corporation could not do in which was to provide me with a 100 % loan. It took three days before the preferred lender admitted that he could not do 100 % financing and even when he did I was not allowed to move forward with procuring a home.
The preferred lender was provided sufficient documentation in which to prequalify me and allow me the opportunity in which to procure a home. Instead I was denied and stripped of all of my rights as the preferred lender had full knowledge of the fact that Fairway Independent Mortgage Corporation could not do 100 % loan and withheld that information from me.
As soon as Fairway realized that they could not give me 100 % financing, I should have been allowed to move forward and there should have not been any further requests for anymore documentation. I should not have to release my documentation just so that they could have them on record. In fact XXXX XXXX XXXX Broker/Senior Sales Associate should have intervened and allowed me to move forward as I was not required by law or the builders requirements to adhere to this in house policy.
XXXX XXXX XXXX, the broker/Senior Sales Associate, who is responsible for providing customers that walk in with documentation knew that I had to be prequalified as opposed to preapproved as it is her duty to know that. However, Ms. XXXX elected to deny me of the rights in which to procure a home as I was subjected to adhere to a policy in which was not that of the builders as the builder only required that I be prequalified ( see RFJN Exhbit 4, A, B, and C ) according to the documentation in which I received from the " XXXX Sales Office. '' Ms. XXXX or Respondent, as defined below, and has found the following law violations : Under certain lead agreements and desk license agreements with a mortgage lender, Ms. XXXX accepted payments from that mortgage lender in exchange for referrals in violation of the Real Estate Settlement Procedures Act, 12 U.S.C.
2607, and its implementing regulation, Regulation X, 12 C.F.R. part 1024 ( collectively, RESPA ) ; and Ms. XXXX and agents required hundreds of consumers wishing to place an offer on one of the XXXX XXXX XXXX properties offered for sale to be preapproved with the Fairway Independent Mortgage Corporation mortgage lender, and received payments from the mortgage lender for the resulting referrals, in violation of RESPA.
This in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565.
I Jurisdiction 1. The Bureau has jurisdiction over this matter under sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563 and 5565, and RESPA Section 8, 12 U.S.C. 2607 ( d ) ( 4 ).
Jurisdictional Findings and Conclusions 2. Ms. XXXX is a real estate broker based in California. Its principal office is located at XXXX XXXX XXXX, XXXX XXXX, CA. XXXX XXXX. Ms. XXXX is a person as defined by 12 U.S.C. 2602 ( 5 ) and provides real estate brokerage services, which are settlement services as defined by 12 U.S.C. 2602 ( 3 ).
Background Findings and Conclusions 4. Buying a house is one of the most significant financial transactions in the life of a typical consumer. Many consumers rely on real estate agents to guide them through this process.
5. A real estate agent is a professional who has passed all required real estate classes and passed the real estate licensing exam in the state in which he or she intends to work. A real estate agent must affiliate with a licensed real estate broker.
6. In California, a corporate real estate broker may obtain a license to provide licensed services of a broker, subject to the appointment of a designated officer. Cal. Bus. & Prof. 10211. Real estate brokers are real estate agents who have completed additional licensing requirements which allow them to serve as brokers.
Ms. XXXX a real estate broker may work individually or arrange to have agents work under them. Although agents typically work for brokers as independent contractors, brokers generally have the ability to hire and fire their agents. Agents typically pay monthly office fees to affiliate with a licensed real estate broker. These fees pay for rental space and other expenses related to the costs of doing business.
7. Brokers or agents often make recommendations to their clients for various services, such as mortgage lending, title insurance, or home inspectors. Among other things, RESPA prohibits brokers and agents from exploiting consumers reliance on these recommendations by accepting payments or kickbacks in return for referring consumers to particular real estate settlement service providers. 12 U.S.C. 2607 ( a ).
8. The act of prequalification requires a buyer to submit an application to a lender to obtain a certification that he or she has the ability to finance the transaction. Buyers sometimes voluntarily prequalify with lenders in order to demonstrate their creditworthiness to enhance their purchase offers. Sometimes sellers require a buyer to prequalify with a lender chosen by the buyer to help verify, before accepting the buyers offer, that buyer can afford to pay the offered price.
9. A referral includes any act which has the effect of affirmatively influencing a consumers selection of a settlement service provider, including a lender. 12 C.F.R. 1024.14 ( f ) ( 1 ).
10. Repeated payments connected in any way with the volume or value of the business referred... [ are ] evidence that [ the payments are ] made pursuant to an agreement or understanding for the referral of business. 12 C.F.R. 1024.14 ( e ).
11. As explained above, some of Respondents agents managed by the respondent steered consumers to Fairway Independent Mortgage Corporation, and required hundreds of consumers to pre-approve with Fairway Independent Mortgage Corporation. Respondent also gave Fairway Independent Mortgage Corporation preferential access to its clients, and forced clients to be pre-approved with Fairway Independent Mortgage Corporation, builders preferred mortgage lender by circumventing the builders requirements. These acts affirmatively influenced consumersboth directly and through Respondents agentsto use Fairway Independent Mortgage Corporation to finance their real estate transactions.
The Fair Housing Act requires owners of housing facilities to make reasonable exceptions in their policies and operations to afford people with XXXX equal housing opportunities.
I was never given this opportunity as I was harassed and discriminated against by all parties involve to provide Fairway Independent Mortgage Corporation with additional documentation for a loan in which Fairway Independent Mortgage Corporation admitted that they could not do in which was to provide me with a 100 % loan. It took Fairway Independent Mortgage Corporation three days before they told me this and neither party would allow me to move forward with procuring a home.
Therefore all parties involve should be discipline for their part in their discriminatory practices, and replaced accordingly for their part in the violation of the Fair Housing Act as well as violating my Civil Rights. In addition to that XXXX XXXX XXXX should be compensated as a result of their illegal actions.
Sincerely, XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA. XXXX Email : XXXX or ( XXXX ) XXXX
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| 08/10/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Due to XXXX and my recent Divorce, been legally separated from SPOUSE, my household has been reduced from {$5200.00} in month to {$1600.00} for XXXX people, me and my XXXX children. XXXX XXXX has been obligated by the temporary court order to pay mortgage. Since he has been retired from the military on XX/XX/XXXX he has a difficult time to find a good paying job thanks to XXXX. Because of this loss of income on the XX/XX/XXXX we made a last mortgage payment, and at the same month me with XXXX XXXX ( spouse ), WE called Fairway Independent Mortgage Corporation and explained to them our XXXX FINANCIAL HARDSHIP life situation. And we also notified them that XXXX XXXX lives at a different address. One of the Representatives made a note about, but I guess that information was disappeared. Thats why XXXX XXXX NEVER, I REPEAT THAT AGAIN, NEVER received any mail from Fairway, Trustees and others.
We called Fairway first with out any missed payments.
Fairway offered to us a loan Modification package, when I asked a representative for more information about, lady said that - The total past due amount will go back to our loan, all late charges and other charges will be removed, the interest rate XXXX and monthly payment {$1400.00} will be same as is on this moment.. After that helpful information, we accepted and started working on the application.
We received a package on XXXX XXXX, signed and uploaded to : XXXX. I also fax them a bunch of bank statements, and other documents through the XXXX, paid over a {$100.00} for that. They never said anything about those documents, if they ever got them or not. Those documents probably had been lost, like a bunch of others.
Then they helped me to open account for easy and FASTER process.
On XX/XX/XXXX I received email from Fairway Notice of default and intent to accelerate. I called costumer services immediately to ask what is going on. Representative can not give me a good explanation, because everything is looks good.
On XX/XX/XXXX I uploaded a document to Fairway Servicing with a question about what is going on with my application.
XX/XX/XXXX XXXX I got email from Costumer Support saying that they have forwarded my email to the Loss Mitigation Team which handling my account.
XX/XX/XXXX I received email from Los MIT Support from XXXX no last name was added, that they need more information. At the same time, same day I uploaded more documents to my Loss Mitigation account they asked me.
XX/XX/XXXX I uploaded XXXX more documents.
XX/XX/XXXX XXXX more documents.
XX/XX/XXXX I got email from Los MIT that they need us to correct and complete 4506c form.
XX/XX/XXXX XXXX more documents.
XX/XX/XXXX I received mail from Servicing that our Application is incomplete and they need more information to process our request.
XX/XX/XXXX I emailed to Lossmitsupp XXXX more documents.
XX/XX/XXXX I uploaded XXXX more documents.
XX/XX/XXXX uploaded correct form XXXX.
On XX/XX/XXXX uploaded more XXXX documents.
XX/XX/XXXX email from servicing after they discovered that they may have sent me a Single Point of Contact Reassignment Letter in late XXXX or early XXXX of XXXX, which incorrectly stated at that time that they received a Loan Modification application from us. All documents that they asked me over and over, had been uploaded in to my account every single month, and all documents were uploaded under - my documents column.
XXXX month I dont hear anything from them. I called them found out what is going on again, they said that they needed more documents, but they didnt contact with me. If I dont contact them they probably foreclosed our house long time ago.
On XX/XX/XXXX I emailed, uploaded and called to loss mitigation support with explanation where they can find all documents that they needed.
XX/XX/XXXX I uploaded more XXXX documents, XX/XX/XXXX got mail from them, some following items are still outstanding. Same day I uploaded XXXX more documents.
XX/XX/XXXX received email from Fairway that they received our complete application.
On XX/XX/XXXX I got a email from Loss mitigation support RE : Underwriters Notice of Incomplete Application For Loan Modification. They give us XXXX days period if we do not provide the required information our application will remain incomplete, they may initiate and/or move forward with FORECLOSURE. I checked in my account, all documents that they keep asked is in there.
I called Loss MIT support asked them to check my account in my documents, they did and they saw all documents in there, but according to their requirements, all bank statements must be no later than 90 days. Almost All bank statements dont even pass a XXXX days, but they still wanted a fresh bank statements. Of corse the package was started in XXXX, and they HELD out the collection of documents until XXXX, of course they need a fresh bank statements. Whether they are missing documentation or if information is missing from the documents they are not able to complete the review. All XXXX months are the same excuses.
In that period I tried to make a mortgage payment, unable to pay online I called Fairway to make a payment for XXXX month, they did not accept the payment from me. Explanation was, that when a loan is under review they not allowed to take a payments.
ON XX/XX/XXXX I uploaded XXXX more documents. And in the same day I received email from XXXX XXXX Loss Mitigation Team : OUR APPLICATION IS COMPLETE.
XX/XX/XXXX got email from Fairway : CONGRATULATIONS, YOU HAVE BEEN APPROVED. We will need execute with XXXX days of receipt, the documents in the presence of a notary and return to Fairway no later than XX/XX/XXXX.
The terms of the agreement : Change our monthly payment from {$1400.00} to {$1700.00}. When in the beginning it was promised that interest rates and mortgage payments would remain as it was.
However It is not my fault that I behind on the mortgage payments for 8 months, I could continue made a payments after XXXX months, but Fairway wont accept my payments. I couldnt made a payment online because my account was temporarily suspended Before received a package from the mortgage corporation, On XX/XX/XXXX XXXX I called and asked Texas Homeowner Assistance Fund if they could help me with the mortgage payments, representative provided me the office address in our city. With office representative XXXX XXXX we Submitted Case : # XXXX. Same day on XX/XX/XXXX we called Fairway to notify them that I opened the case # XXXX with THAF.
I received package from XXXX by mail on XX/XX/XXXX. Where we are informed that we have XXXX days to complete, notarized, signed and return no later than XX/XX/XXXX. In the span of XXXX months they finally reviewed my case and approved it.
LOSS MIT SUPPORT they know exactly what they doing, everything what has been done by them have a REASON.
I worked so hard to complete case with THAF soon as possible. Fairway called me almost every week asking why I unable to make a payment, and I explained to every representative about my and my XXXX children life situation. Reminded them every time they called me about my THAF case.
From the XX/XX/XXXX and before I has been called to HAF and Fairway, trying to find out whos doing what and where they are. HAF waited for Loan Servicer to respond, they take a time for responding. I called Fairway XX/XX/XXXX, XXXX.
XX/XX/XXXX at XXXX XXXX I spoke with XXXX XXXX / HUD Certified Housing Counselor Money Management International, she asked if I want her to call Fairway to see if they have anything available to help me keep the house. She called them with me been on the phone with her, then she asked representative if they have any availability for me to keep the house. The lady said that yes it is still have a time for me to apply for HARDSHIP PACKAGE. She sent me email with application and explanation at the same time. And she told me upload, download everything before XXXX. I did upload everything in hour. XX/XX/XXXX I received a text message bold, simple message : your application is denied. No name or phone number, nothing.
Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX I BEGGED them to hurry up with responding to XXXX, BEGGED them put FORECLOSURE on hold, anything, something that would help me save the house. No, nothing they even told me that they dont know anything about HAF.
Fairway put our house on the Market XX/XX/XXXX and the house had been sold.
SUBSTITUTE TRUSTEES DEED STATE OF : Texas COUNTY OF : XXXX WHEREAS, pursuant to the authority granted in the Deed of Trust and accordance with the terms of the Notice, at XXXXXXXX XXXX, or within XXXX hours after such time, on Tuesday XX/XX/XXXX, the Substitute Trustee did offer the Property for sale at public venue at the county courthouse of XXXX County, Texas, in the area of said courthouse designed by the commissioners court of XXXX County, Texas, for sales of real property under a power of sale conferred by a Deed of Trust or other contract line, or, if no such designation had been made by said commissioners court, at the courthouse door of said courthouse ; and WHEREAS, at such sale XXXX XXXX ( Grantee ), BID for the Property the sum of {$230000.00} which was the highest and best BIDOFFERED for the Property, whereupon the Property was struck off and sold for such sum to Grantee inaccordance with the terms and provisions of the Deed of Trust and laws of the State of Texas.
DATED : XXXX By : XXXX XXXX.
STATE OF : Texas COUNTY OF : XXXX On XX/XX/XXXX before me, XXXX XXXX XXXX a Notary Public, personally appeared XXXX XXXX who proved to me on the basis of satisfactory evidence to be person whose name are subscribed to the within instrument and acknowledged to me that he executed the same in his authorized capacity, and that by his signature on the instrument the person, or the entity upon behalf of which the person acted, executed the instrument.
P.S. XXXX XXXX BID for the property : XXXX in the XXXX County Courthouse Signed and Dated : XXXX XXXX County On XX/XX/XXXX THAF emailed me Current Case Summary they still waiting for Loan Servicer to respond to them.
I called Fairway and spoke with Manager Customer Advocacy ; and Default Operations XXXX XXXX, tried to find a way how to save a roof for my children. She told me that if I could pay {$26000.00} before end of the day then I be able to save a house for my kids. I tried to find that much money in the few hours, but I couldnt. I called her back and asked if I still have a time then why they didnt contact with HAF. XXXX not remembering what her answer was.
But on XX/XX/XXXX I called her again asked if I still have a small chance to keep a house for my kids, after she puts me on hold she told me that if I can make a payment of {$26.00}, XXXX at this moment then I could get a house back. I asked WHY she didnt tell me about yesterday, she couldnt answer.
Now me and my XXXX children from HOMEOWNERS became a HOMELESS. Me and my son we living in the car, taking a shower on the lake, dont have a good meal for loooong time. Temporary XXXX of my girls live with my older daughter friend family. School is starting soon and I cant provide our mailing address.
On XX/XX/XXXX I received email from Fairway : Free U.S. Government Homeowner Assistance Help. With explanation : What is Homeowner Assistance Fund ( HAF ) On XX/XX/XXXX I received email from THAF. XXXX XXXX Costumer Service Coordinator, because I asked THAF for help.
Thank you for your inquiry to the Texas Homeowner Assistance Fund program. I have reached out to leadership in regards to your case. It appears that your loan services informed us that you were over the program limit of {$65000.00}. My supervisor will be reaching out to your servicer today to make sure the amount quoted was accurate.
On XX/XX/XXXX I received other email from THAF.
I have called and emailed your servicer. Hopefully I will hear back soon.
XXXX XXXX HAF Property Charges Senior Manager Texas Homeowner Assistance Fund ( HAF ) Program Texas Department of Housing and Community Affairs ( TDHCA ) XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX I HOPE THIS TIME I WONT FORGET ANYTHING ABOUT OUR EXPERIENCE WITH FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
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| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XX/XX/XXXX, I purchased a house from XXXX XXXX. This was my first house and I was not aware of all the things that went into purchasing a home. A friend of mine had a realtor they recommended and so from that suggestion, I gave her a call. I found her to be pleasant and she seemed very helpful. She works often with Fairway Independent Mortgage Corporation ( FIM ) and that is who she chose to handle my loan.
FIM began to collect bank statements, run my credit, the works. What I didnt know, as they would have me pay off credit cards in order to get approved for the loan, money I was looking to put down on my house. There were so many things I had to pay off before I could qualify. Now, this is fine, but this is the start of the information they did not disclose to me. FIM disclosed information in parts, to where it would seem I had no choice but to move forward with their recommendation. They prepared my loan and shipped it off to the highest bidder. I know this is now part of the business now, but I feel someone should have disclosed to me that I had more options than what they presented. Upon closing, I was required to have a homeowner 's insurance policy, which I obtained through XXXX, policy number XXXX with a policy term of XX/XX/XXXX to XX/XX/XXXX. I was approved for the loan and I have been the happy homeowner of my house for the past year and 10 months.
Since then, XXXX has picked up my loan from FIM and I have continued making my regular monthly payments, never late I might add. On XX/XX/XXXX, I received a letter from XXXX staying they have not received proof of hazard insurance and they have purchased a policy to protect their interest on the property. It also advised that if I had purchased a hazard insurance policy that they would cancel the policy they obtained. This letter came as a surprise to me. During the process of getting approval for the initial loan, I was required to provide a quote to FIM of the homeowners insurance that I was wanting to use for my home. I provided such a quote from XXXX and was under the impression that the policy was purchased and was in effect for the past year and six months. Still confused, I contacted XXXX, the rep I spoke with stated that there was no hazard insurance on the property. I asked how this could be possible as I provided XXXX information when I had closed on the loan and when I looked at my closing documents it shows that money was set aside for the first year and 3 months for insurance payment. I asked how it was possible that a year has gone by without anyone noticing that the policy was no longer active and the rep was speechless at this point. She disclosed that audits get done every XXXX and advised that one was never done on this account and stated, we forgot about you. I never once received one email, one phone call, or letter from FIM or XXXX advising me of not having hazard insurance until XX/XX/XXXX, more than 1 year later.
This began the process of me searching for answers. I pulled out my closing documents and saw that it spells out word for word in the breakdown I was being charged {$560.00} for Homeowners Insurance Premium ( 12 mo. ) to Fairway Independent Mortgage Corporation and the next line indicates {$140.00} also for Homeowners Insurance {$47.00} per month for 3 mo. Where did this money go if it did not go to a homeowners insurance policy? I also pulled all my monthly mortgage statements to review. Every month for the past year, according to my statements, {$230.00} has been allotted for Escrow ( taxes and insurance ) but I am not sure where that money has gone if no insurance policy was ever purchased.
Since this homeowners policy was purchased by XXXX, as of XX/XX/XXXX, I am being required to pay an additional {$280.00} a month of back payment because they advised I have to pay for not having insurance on my home for 14 months. What happened to the money that was allotted for Escrow over that past 14 months? Where did that money go?
I have been told by FIM as well as XXXX, this almost never happens. Ok great, but I am still stuck with paying extra each month until I meet the forced insurance, which is around {$1500.00} and some change. Either way, I am still confused about how I got into this position. I have never missed a payment I have never been late on anything. Why did I not have insurance? How did my account get out of underwriting with no insurance? What would have happened if something catastrophic would have happened to the house?
Around XX/XX/XXXX or XX/XX/XXXX, I received a call from XXXX XXXX from FIM about refinancing my loan. I was familiar with XXXX, as he was the one who handled all the documents and closing when I initially received my loan from FIM.
Now, this is where things get interesting with FIM In one of the calls I received from XXXX, I asked him what happened to my homeowners insurance, he advised he had no idea but would investigate the matter and get back to me with some answers. This would go on for about three weeks of him getting answers. XXXX never explained what had happened but advised that he would get my money reimbursed. He told me that he would send me a check in the amount of {$560.00}. I mentioned to XXXX how I had to pay more now for my mortgage because there was no hazard insurance on the house for the last year, but he still seemed more interested in still having me refinancing with FIM. He then continued to call me every other day to get me to refinance my home, I quit answering my phone and to date, I never received that promised check.
I was still confused as to where my money had gone and decided to contact the title company, XXXX XXXX. I spoke with XXXX XXXX and she said she would look at the information for me. Right off the bat, she noticed that FIM never sent my check for {$560.00} anywhere and it sat. She looked into things a little further and notice that the original breakdown of my mortgage was off. States that whoever put the numbers together for me did not have enough coming out for a few things.
Now, this may explain why I am in the hole, but I am just not sure anymore. I dont know who is telling me the truth about what happened. Did XXXX notice this and just not tell me? I dont know, but he never brought this to my attention. I dont find any of this to be fair, I got the short end of the stick. I turned in every document they asked me for, I paid off the debt they asked to pay before closing, I took FIMs advice, and it has not been in my best interest. I did my part, I have never missed and payment and still have not missed a payment despite having to pay {$280.00} more each month because of FIM mistake. I can honestly say it has been a struggle to come up with the extra {$280.00} a month. Its XXXX near been impossible with the COVID-19 going around. I am down two jobs, but still holding up my end of the deal. I do not feel FIM treated me fairly in this matter and frankly, no one seems to care.
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| 07/19/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/XXXX, I was advised by my realtor in XXXX to contact one of the mortgage companies that she has before she could even let me show those houses. She suggested to contact Fairway independent mortgage company cause she works with them all the time. I left a message cause no one answered.
Mr. XXXX has called me a few hours later telling me that he would send me a link where I could fill out the loan application. I did, however there was a technical issue. I let him know everything, including bank information, work history, etc., and he asked me to send him 2 tax returns, savings and checking bank statements, my VA XXXX letter, and the certificate of eligibility for the loan. He emailed me asking what I did between the jobs. I told him I had to stop working cause I had one to two appointments a week and no employer likes that. I believe that should be fine.
Then the next day I got a phone call from XXXX who is Mr. XXXX 's teammate, asking about the appointments I had, why that is a reason for a gap between employments. I told him it is personal and again no employers like to have employees having a lot of appointments. Then I received an email on XX/XX/XXXX from MrXXXX XXXX asking what degree I have, get the XXXX employment letter, make sure to hand us the lease when you rent your current home in XXXX, if I sought out the employment and stopped when COVID started, and if not, why again there was a gap between employment.
So I emailed him. Here it is.
From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Fairway - Update My degree is XXXX XXXX XXXXXXXX XXXX. However, like I mentioned, it is NOT evaluated ( all the foreign degrees should be evaluated to match the equivalency to the XXXX XXXX XXXX and I wasnt about to spend XXXX to make sure it is equivalent ).
I got an email saying I am accepted and welcoming me to XXXX. I havent gotten any paper to sign but I did fill out employee screening form so far. First paycheck usually comes on the third week, on Friday as far as I remember with the VA. So the pay period starts on XX/XX/XXXX and it goes for 2 weeks, and if it is anything like the VA, my first paycheck will be deposited on the XXXX of XXXX.
I am aware that you will need a signed lease if I decide to rent this out. This whole renting idea came yesterday around XXXX. So I havent decided yet, I havent spoken to my realtor yet, I know what the rent for a single family house with a garage goes here. And I can always sell it in 5 years if I dont want it ( and I really dont but if I can make money off of it without giving my realtor any commission, why not ). So this idea is still up in the air. But I cant tell them that the move in date for the renters will be XX/XX/XXXX when I cant move out till lets say XXXX.
What is new ( Im thinking it is new cause I didnt have to do anything like this ) is that they never asked for employment status since I purchased this house before starting to work at the XXXXXXXX XXXX XXXX. But here it is again. I graduated in XX/XX/XXXX, moved back to XXXX, purchased the house cause I got a job with the XXXX XXXX XXXX, worked there for a couple months because my then partner was stationed in XXXX, so though I kept the house in XXXX, I mainly lived in XXXX I went back and forth, staying in XXXX for a month, coming back to XXXX for a few weeks, etc. and I didnt travel much due to COVID and quarantine. I didnt pack everything and move in with him because he was not sure if his class is going to be in XXXX or XXXX. Then a few weeks he had orders ( hes in the military ) to go to XXXX. While we are going to get together and live together. And from here it gets a bit personal and Id rather not say but it seems you need to know that. I went through XXXX XXXXXXXX situations with him, I was XXXX XXXX and XXXX, so I reported him to the XXXX and came back to XXXX to be away from him, and got a job at the VA. I quit the VA because I was dealing with XXXX discrimination at work. I heard comments such as sorry we bombed your country twice. Your mom should have married an American GI so that you would have a US citizenship. I have killed more of you in XXXX XXXX than you can possibly think of. Are you XXXX? Is your name XXXX? Your dad should have been dead during the XXXX XXXXXXXX. etc. I have reported this to the EEO but they said they couldnt do anytime because I havent been working there for a year. Let me ask you something, If you are XXXX, and your co-worker kept saying your parents should have died during XXXX, how would you feel? So I quit. I could live here comfortably without working. I also worked as a XXXX XXXX during that time on and off via XXXX I made about XXXX dollars in two weeks on a good week. Kids were learning and once they all went to school that ended.
So state of maine is XX/XX/XXXX ( that is the reason why I moved to XXXX from XXXX ) to XX/XX/XXXX, then covid happened, my relationship started going down the hill, I survived for about 9 months before I said enough. I reported him to the XXXX, and came back to XXXX, applied for a job around XXXX, interviewed and hired, started onboarding process in XX/XX/XXXX and started on XX/XX/XXXX.
How long is that approval letter good if I get it? Please let me know. I know I will have to get a PAYSTUB, but no I dont have it. But let me forward you an email if that helps, not from my supervisor as you got yesterday but from the HR.
XXXX XXXX XXXX They told me that they weren't forcing me to tell them the things I went through. But one person calling me and another emailing me twice asking the same thing? Do you still thin it is not forcing? NO they didn't have a XXXX XXXX XXXX XXXX. No they didn't. But you don't have to have a XXXX XXXX XXXX XXXX to force someone. I felt pushed against the wall and saw no way out other than telling them exactly what happened. Maybe they have no knowledge on dealing with veterans. They said they are the nation 's XXXX biggest lender, when they are XXXX in the third quarter in XXXX, and XXXX in the second quarter. So that is a false advertisement. Not only they don't know how to deal with veterans ( was I supposed to tell them about my war story, how I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is that what they want to hear? indirect action? is that what they want? I felt embarrassed, I thought why the VA would ask those questions. They kept telling me that is what the VA wanted them to ask. I did speak to the VA representative who told me no, what I told them first was more than enough. Yet this company, Fairway independent mortgage is saying that it is what the VA asks. I guess they didn't know how XXXX XXXX soldiers are more aggressive than national guardsmen or reservists.
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| 11/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
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Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX XX/XX/XXXX Formal Complaint Against Mortgage Lender : XXXX XXXX, XXXX XXXX XXXXXXXX Fairway Independent Mortgage Corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX AZ XXXX Dear CFPB, I am writing to file a formal complaint against my mortgage lender, XXXX XXXX of Fairway Independent Mortgage Corporation , regarding fraudulent practices that occurred during the purchase of my home in XX/XX/XXXX. It is apparent that XXXX XXXX colluded with an appraiser and real estate agents to falsely inflate the price of my house significantly, causing my family serious financial harm.
Background Information : In XX/XX/XXXX, my spouse and I purchased a home located in XXXX, WA. We had been preapproved for a loan with a different lender, but our realtors encouraged us to apply for a mortgage with their friend, XXXX XXXX. We were purchasing the house as out-of-state buyers and were not familiar with the area. My husband viewed the house but I was only able to see pictures of the house and was given a tour via XXXX with the realtor. This realtor claimed to be able to act as the home inspector and encouraged us to waive the inspection in order to be chosen by the sellers. We were led to believe that the purchase price was reasonable and aligned with market values based on the information provided by the lender, appraiser, and real estate agents involved in the transaction.
Complaint Details : I have reason to believe that the purchase price of our home was purposefully inflated by an estimated {$350000.00} to {$400000.00} above its true market value at the time of purchase. This is not a complaint about the current market prices in the area which will decrease the value of the house by an additional {$200000.00}. At the time of purchase the appraisal came in at $ XXXX and we were led to believe this was accurate. A true valuation would have been $ XXXX $ XXXX based on area market values and comparable properties. The appraisal report was never sent to us and we only received the receipt for payment. I requested the appraisal report after the purchase because I felt things were not right with the condition of the house. When I reviewed the appraisal I saw that the appraiser had intentionally fabricated home features that did not exist, the condition of the home was said to be in very good condition when in reality was in fair condition in need of many upgrades and repairs, and that the house that had been sold to us as a XXXX square foot home but was actually a XXXX square foot home with a basement. The price per square foot was {$880.00} when the average price per square foot in the same zip code was {$390.00}. The low end finishes along with the age, condition and size of the property in no way supports a price of $ XXXX foot. The home comparisons in the appraisal are not comparable to this property. The lot that the house is built on is one of the smallest in the area. This price per square foot is in no way normal for the area and as their clients we should have been made aware of this by the lender or our real estate agents. We were not. XXXX XXXX lived in the area and would have been well aware of the property valuations.
We have had to make improvements to make the house livable, such as new carpeting in all downstairs bedrooms, new lighting fixtures to increase lumens so it is bright enough to see, shaving, repairing and painting basement walls, so if anything the valuation of the house should have increased. The appraiser claimed the home has high end finishes throughout but it does not ( i.e. 25+ year old shag carpeting, damaged bamboo flooring, popcorn ceilings and walls, plastic insert bathtubs/showers, stained linoleum flooring, plastic bathroom mirror, old fireplace insert with plaster surround ).
XXXX XXXX has sent us monthly valuation of our home and it has steadily decreased in value according to his market analysis. At the time of purchase the graph shows the house was worth {$900000.00}, with the bump in the graph going to $ XXXX the day we purchased it and then back down immediately after purchase. The housing market had actually peaked the previous month because interest rates had increased by the time of our purchase. This is clear and indisputable graphic evidence of the inflated valuation of the property.
This fraudulent action has had severe financial consequences for my family, as we are now struggling to meet our mortgage obligations based on an inflated loan amount. My husband has been diagnosed with XXXX and is now completely XXXX. He had to quit his job as an XXXXXXXX and our family no longer has income. At the time of purchase he was struggling with decision making and was reliant on the expertise of the real estate and lender professionals that we hired. We can not sell the house because it needs extensive work that the previous owners and agent/inspector did not disclose, such as foundation repair and driveway replacement which is an additional {$50000.00} of loss. Due to the fraudulently inflated appraisal we owe more than we can sell it for by approximately {$500000.00}.
Requested Action : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX, my mortgage lender, and review the fraudulent activities that took place during our home purchase process. Additionally, I request that appropriate regulatory action be taken against XXXX XXXX. My primary goal is to rectify the financial harm inflicted upon my family due to the inflated home purchase price and ensure that such unethical practices do not continue to harm other unsuspecting homebuyers. Restitution for the inflated and false valuation should be imposed. My husbands ability to make decisions was impaired at the time of purchase. People who are XXXX, XXXX or cognitively impaired should not be made victims of mortgage fraud by predatory lenders. Protections should be in place and we are asking the CFPB for help. Please enforce the laws and regulations that exist.
I am willing to cooperate fully with any investigation and provide any additional information or documentation necessary to support this complaint. I have included emails from the lender and agents, pertinent sections of the appraisal and the lenders market valuation of the property.
Thank you for your attention to this matter. I look forward to a resolution that will help restore fairness and integrity to the mortgage lending process.
Sincerely, { redacted }
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| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Summery Complaint Fairway Independent Mortgage and its representatives XXXX XXXX XXXX, Senior Loan Officer NMLS ID XXXX and XXXX XXXX, Senior Loan Planner, NMLS XXXX ( further referred to collectively as Fairway ) caused unnecessary harm to BUYER and BUYER ( Buyers ) who submitted an application ( Application REMOVED ) to purchase XXXX XXXX XXXX XXXX, NC of timely loan processing and fair protection under the Equal Credit Opportunity Act, Consumer Credit Protection Act and Fair Credit Reporting Act. The negligence of Fairway rendered the Buyers homeless for a period of 35 days. The buyers and three additional family members were forced to live in various hotels, dispose of furniture, endure the utter financial hardship and shame of losing a home as well as the purchasing of clothing and other personal items, additional XXXX, self-storage units, transportation fuel, PO Box , and more during this period.
Buyers BUYER and BUYER seek monetary damages from Fairway Independent Mortgage and its representatives from the XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX, Senior Loan Officer NMLS ID XXXX XXXX ( office ) XXXX ( cell ) XXXX XXXX, Senior Loan Planner NMLS XXXX XXXX ( office ) XXXX ( cell ) in the amount of {$180000.00} for improper delay in application processing causing financial harm.
Fairways failure to adhere to Federal Regulation B 12 CFR 1002.9 30-sets forth the requirement for financial institutions to notifying applicants of their credit decision. Fairway notified the Buyers 101 Days after the initial mortgage application that credit was denied. Fairway relied upon Buyers credit report to the determine creditworthiness and subsequently used the same credit report and a third party to deny credit 101 days later, the day after the appraisal occurred valuing the home at {$490000.00} and 72 hours before the scheduled Closing.
Fairway used Buyers credit report to offer an initial pre-approval in the amount of {$450000.00} and a second pre-approval for {$470000.00}. Upon receiving Fairways preapproval the Buyers issued a Notice to Proceed in the form of a signed Contract to Purchase XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC in the amount of {$470000.00}. A Loan Estimate was issued by Fairway and received by Buyers indicating Loan Amount, Interest Rate, and expected Closing Cost, Buyers transmitted {$550.00} to Fairway for an Appraisal Fee. Fairway requested and received from Buyers a canceled check for {$4000.00} ( Due Diligence paid to Seller ). A Closing Date of XX/XX/XXXX was agreed upon by all Parties. Buyers did not renew their lease at REMOVED Time Line of Correspondence with Fairway and Buyers Buyers received Pre-Approval, Buyers XXXX report pulled on XX/XX/XXXX ( scores attached ), Notice to Proceed provided to Fairway via a Signed Contract to purchase of residential real estate at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX for {$470000.00}. Loan amount {$460000.00} Fairway notified Buyers of an appraisal fee of {$550.00} ( paid by Buyers ) and a copy of the canceled check for Due Diligence money paid to the Seller in the amount of {$4000.00} ( Buyers provided canceled check to Fairway ) Closing date set for XX/XX/XXXX, Buyers did not renew lease agreement for REMOVED Buyer was told by Fairway that he needs to complete a 3rd Party Student Loan verification ( Buyer BUYER completed ) Rate Lock was requested by Buyers, Loan Rate Lock received from Fairway on XX/XX/XXXX Fairway informs Buyers BUYER will be added back to the application, ( Buyers were unaware Fairway had removed BUYER from the initial application ) Buyers were told by Fairway that the Mortgage Insurance was too high and were told that Fairway was making adjustments to lower the amount.
o However, according to the rate lock documents the Buyers had agreed to the price of mortgage insurance and did not ask for Fairway to do this.
Buyers contacted Fairway numerous times regarding underwriting and closing status, Buyers called and emailed Fairway numerous times ( see email correspondence file ) Fairway informed Buyers not to panic If there was anything to panic about I would let you know, there is nothing to panic about On XX/XX/XXXX Buyers were told by Fairway that we are having an issue with the low credit scores and Buyers need to pay down two credit cards with XXXX XXXX XXXX XXXX ( Buyers wired {$5000.00} to XXXX XXXX XXXX XXXX to pay off credit cards as requested by Fairway ) Also, Buyers learned from XXXX XXXX that Buyer BUYER was Added Back to the Loan. Buyers were unware that BUYER was removed from the Loan Application.
Credit ran 2 additional times by Fairway on XX/XX/XXXX, and XX/XX/XXXX Fairway orders a rapid rescore on XX/XX/XXXX, subsequent scores raised to XXXX On XX/XX/XXXX Buyers receive phone call from XXXX XXXX XXXX XXXX if we had a Foreclosure on a previous home, Buyers responded Yes, we had a Short Sale. Buyers sated that the Short Sale was resolved as tax penalties were satisfied and credit report deficiencies resolved. XXXX XXXX XXXX sated that the previous home REMOVED was not recorded with the Register of Deeds as a Short Sale but as a Foreclosure and asked if we had any documentation that it was a Short Sale. Buyers responded that the any documentations related to XXXX was packed away in storage as they had already prepared to move to North Carolina. XXXX XXXX XXXX stated that We ( Fairway ) have to go with whats recorded and the date of XX/XX/XXXX as the Foreclosure date. XXXX XXXX asked Buyers to write a Letter of Explanation stating that the Foreclosure was Due to Job Loss and She would call the Underwriter and talk to them through the Letter A Letter of Explanation detailing job loss was submitted to XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX at XXXX an email is received from Fairway to Buyers stating that their Loan is Processing On XX/XX/XXXX at XXXX Buyers receive another email from Fairway explaining XXXX, We are working to close your loan early etc.
On XX/XX/XXXX at XXXX pm Buyers receive an email from Fairway stating Quick Tips to make your loan approval even easier, BUYER and XXXX Buyers receive multiple text messages and phone call request from Seller, stating that the closing date has been moved to XX/XX/XXXX.
Closing date changed from XX/XX/XXXX to XX/XX/XXXX Appraisal Completion Date XX/XX/XXXX for Loan Number # # # # # # # by XXXX XXXX for XXXX XXXX XXXX XXXX XXXX Fairway sends Notification of Credit Denial received on XX/XX/XXXX for credit dated XX/XX/XXXX
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| 04/17/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Complain about Fairway Mortgage Corporation Service.
On the XX/XX/XXXX I made a last payment, at the same time I called our Fairway Independent Mortgage Corporation and explained them my life situation. Fairway offered to us a loan Modification package, when I asked a representative for more information about, lady said that - The total past due amount will go back to our loan, all late charges and other charges will be removed, the interest rate 2.49 and monthly payment {$1400.00} will be same as is on this moment.. After that helpful information, I accepted and applied for Loss Mitigation Program.
Firs Application we signed and uploaded to : XXXX on XX/XX/XXXX. On XX/XX/XXXX I received mail from Fairway Notice of default and intent to accelerate. I called costumer services immediately to ask what is going on. They can not give me a good explanation. On XX/XX/XXXX I uploaded a document to Fairway Servicing with a question about what is going on with my application. XX/XX/XXXX I got email from Costumer Support saying that they have forwarded my email to the Loss Mitigation Team which handling my account. XXXX XXXX received email from Los MIT Support from XXXX no last name was added, that they need more information. At the same time, same day I uploaded more documents to my Loss Mitigation account they asked me. XX/XX/XXXX I uploaded 14 more documents. XX/XX/XXXX 2 more documents. XX/XX/XXXX I got email from Los MIT that they need us to correct and complete 4506c form. XX/XX/XXXX 7 more documents. XX/XX/XXXX I received mail from Servicing that our Application is incomplete and they need more information to process our request. XX/XX/XXXX I emailed to Lossmitsupp 4 more documents. XX/XX/XXXX I uploaded 25 more documents. XX/XX/XXXX uploaded correct form XXXX. On XX/XX/XXXX uploaded more 13 documents. XX/XX/XXXX email from servicing after they discovered that they may have sent me a Single Point of Contact Reassignment Letter in late XXXX or early XXXX of XXXX, which incorrectly stated at that time that they received a Loss Mitigation application from us. One month I dont hear anything from them. I called them found out what is going on again, they said needed more information. On XX/XX/XXXX I emailed to lossmitsupp with explanation where they can find all documents that they need. XX/XX/XXXX I uploaded more 11 documents, XX/XX/XXXX got mail from them, some following items are still outstanding. Same day I uploaded 5 more documents. XX/XX/XXXX received mail from Fairway that they received our complete application.
On the XX/XX/XXXX I got a mail from Lossmitsupp RE : Underwriters Notice of Incomplete Application For Loss Mitigation. They give us 30 days period if we do not provide the required information our application will remain incomplete, they may initiate and/or move forward with FORECLOSURE.
ON XX/XX/XXXX I uploaded 5 more documents. And in the same day I received mail from XXXX XXXX Loss Mitigation Team : OUR APPLICATION IS COMPLETE.
XX/XX/XXXX got mail from Fairway : CONGRATULATIONS, YOU HAVE BEEN APPROVED. We will need execute with 5 days of receipt, the documents in the presence of a notary and return to Fairway no later than XX/XX/XXXX. The terms of the agreement : Change our monthly payment from {$1400.00} to {$1700.00}. When in the beginning it was promised that interest rates and mortgage payments would remain as it was.
I received package from XXXX by mail on XX/XX/XXXX. I had 2 days to complete, notarized, signed and return no later than XX/XX/XXXX. In the span of 8 months they finally reviewed my case and approved it. On top of that they do not let me make mortgage monthly payments ( if I have some money for ) neater before or later.
Before received a package from the mortgage corporation, On XX/XX/XXXX with my representative XXXX XXXX we Submitted Case : # XXXX. Same day and time we called Fairway to notify them that I opened the case with TXHAF and we gave them a case number. I worked so hard to complete this case soon as possible. Fairway called me almost every week asking why I unable to make a payment, and I explained to every representative about my and my 4 children life situation. Reminded them every time they called me about my HAF case. From the XX/XX/XXXX and before I has been called to HAF and Fairway, trying to find out whos doing what and where they are. HAF waited for Loan Servicer to respond, they take a time for responding. I called Fairway XXXX, XXXX BEGGED them to hurry up with responding to HAF, BEGGED them put FORECLOSURE on hold. On XX/XX/XXXX HAF sent me Current Case Summary they still waiting for Loan Servicer to respond to them.
Fairway put our house on the Market XX/XX/XXXX and the house was sold. Now me and my 4 children from HOMEOWNERS can become HOMELESS.
We receive a JUSTICE COURT EVICTION CITATION on the XX/XX/XXXX at XXXX XXXX.
For additional information me and my spouse in the process of divorce. We are legally separated, both of us have a Temporary Court Order.
1. Which is ORDERED that Spouse ( father of our 4 children ) to pay me for the support of XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX dollars ( {$1900.00} ) per month, starting on XX/XX/XXXX.
2. It is ORDERED that Spouse pay to me temporary spousal support {$750.00} per month with the first payment being due and payable on XX/XX/XXXX.
3. It is ORDERED that Spouse shall be responsible for the timely payment of all utilities and MORTGAGE for residence located at XXXX XXXX XXXX, XXXX XXXX XXXX.
3. These Temporary Orders shall continue in force until the signing of the Final Decree of Divorce or until further order of this Court. This case is still active.
Spouse only give me {$1600.00} a month for everything for more than a year. I try my best to pay our bills and get a job. I finished XXXX XXXX XXXX, got my License and starting work from XX/XX/XXXX.
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| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We tries several times to resolve this and the problems continue without resolution. Reason continues to be that they are too busy.
Initial closing set for XXXX XXXX at XXXX. I took off work to come home and lender and title company ( selected by lender ) arranged for Notary to come by my home and sign our loan documents. Received call from Notary that documents had not been sent. Documents finally completed and Title company wanted to send Notary to my home at XXXX. We opted for the following day at XXXX.
XX/XX/XXXX - Notary arrived at XXXX and we signed documents with the Notary. Later that day I was informed by Title company that documents signed were incorrect and we had to resign that night.
See below ______________ From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXX/XX/XXXX To : XXXX XXXX ' XXXX ; XXXX ' XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX, MD XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX MD XXXX : E-Close Instructions I am showing that this was canceled last night and then the notary went out to the borrowers home today with the wrong set of docs. I am working right now to get a notary that can print and go. I am trying to see how fast I can get someone to the borrowers home.
Thank you, XXXX XXXX Scheduling Manager XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Direct Line XXXX XX/XX/XXXXFrom : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXX/XX/XXXX To : XXXX ' XXXX ; XXXX XXXX XXXX XXXX EClose XXXX ; EClose XXXX Cc : XXXX XXXX XXXX Subject : RE : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, MD XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX E-Close XXXXnstructions Please everyone take a moment to double check what is going out. Updated docs were dropped last night with todays date. My customer is having to reclose a 2nd time today alone on a reschedule from yesterday. If your docs dont have todays date ( which is why we are having to reclose a 2nd time today ) then you are using the wrong set. Please verify!
XXXX XXXX XXXX NMLS # XXXX ] | Loan Originator | XX/XX/XXXX[ NMLS # XXXX ] | Office : XXXX | Cell : XXXX | Fax : XXXX | Licensed : AR, GA, IA, LA, MD, NE, TX From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XX/XX/XXXXTo : XXXX ; 'EClose ' XXXX ; XXXX XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : RE : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX E-Close Instructions Importance XXXX XXXX XXXX, Are these documents correct? The email below still says XX/XX/XXXX. When I go in to complete them it says they are already complete.
____________________________ XX/XX/XXXX - XXXX Another notary was sent out with the correct documents. We were drained but signed the second set of documents by about XXXX. Are ability to properly review these documents was greatly reduced.
We were told everything went through and the loan funds were not dispersed/wired until XX/XX/XXXX which was an very long time.
We received this apology from the lender : ____________________________ From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXXXX/XX/XXXXTo : XXXX ' XXXX ; XXXX XXXX ' XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX Automatic reply : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX : E-Close Instructions Good morning XXXX XXXX
You are absolutely right. It was a horrible comedy of errors that led you to experience the most disorganized closing Ive ever seen happen, and completely atypical. I have put together a timeline of events I will be reviewing with my leadership team and the corresponding departments and 3rd parties involved. I can not apologize enough to you both for the last few days. I understand it doesnt matter how good things were handled up to that point, if we cant get the closing done with the same excellence, it is a failed overall experience for you the customer.
As for your wiring instructions, 3rd party Title will have to get that to you directly for compliance reasons. I have copied in XXXX at XXXX to see if she can get those instructions to you ( or know who could ).
XXXX you and XXXX were amazingly kind during this whole ordeal. Our jobs dont see much grace when things dont go exactly perfect, but you guys ( while frustrated understandingly ) handled it with such grace. Our industry has been running 400 % capacity all year, and our teams have been pushed beyond limits previously thought impossible in volume and hours worked, and we strive to make each transaction 5-star without excuse. While we fell short of that mark in the end, you guys treated everyone that touched your file with kindness and respect. I cant thank you enough for that.
XXXX XXXX XXXX NMLS # XXXX ] | Loan Originator |XX/XX/XXXX [ NMLS # XXXX ] | Office : XXXX | Cell : XXXX | Fax : XXXX | Licensed : AR, GA, IA, LA, MD, NE, TX _______________________ XX/XX/XXXX XXXX We were in bed and I start receiving text messages from a notary wanting to come over that night to re-sign documents. We had no notification from the lender or Title company prior so we thought it was a scam.
After emails to the Lender we find out the the documents signed at the third closing were sent to the wrong location and destroyed.
The Lender and title company are now demanding that I setup a 4th closing to fix their errors.
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| 04/12/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Hello, I'm writing this complaint to inform the Fairway Mortgage company of unethical and possibly illegal activities by one of their loan officers.
The loan officer in question is XXXX XXXX XXXX, who works for the XXXX XXXX XXXX, out of California. This loan officer works out of Tennessee, and provides service in the middle Tennessee area of operations.
For the sake of not sounding redundant, XXXX XXXX will be referred to as L.O. for loan officer.
L.O. asks me back in the beginning of XXXX, 2020 if I knew of anyone willing to buy her place of residence, this was asked in a casual setting, at her home, over lunch. One of my associates was also present at the time of discussion. I informed L.O. that I had no one who qualified for her home at the time. Some time goes by and she asked me to hep her with an open house, so I obliged. I spent personal funds assisting with her open house.
After the open house, L.O. asks me if im sure that I have no one that qualifies for her home, which I replied that I had no one that qualified but I did have someone looking to lease purchase. I will refer to this person looking to lease as my client.
XXXX asked me to send my client over to look at her home, and I obliged. I sent my client the address to L.O. 's home and she goes by and takes a look at the outside of the home and neighborhood. This happens in the middle of XXXX. My client did not enter the premises to look inside the home, as she wanted to see the home with her husband.
Later in the day, after my client had driven past the home, she brings her husband and L.O. shows them the home, I was not present as I was showing other homes to other clients/customers. Per my client, L.O. asks if my client if she wants to see if they qualify for a loan for her home. My Client agrees, and the L.O. runs my client 's credit, which is a conflict of interest if it's for her own home.
I have attached an email sent from my client that details what the L.O. had drawn up as a plan to get my client qualified for her home, titled XXXX XXXX.
A few days pass and the L.O. texts me if my client is still interested in her home, to which I respond with yes, and I call her. attached is the text message dated XX/XX/XXXX.
After I contacted my client, they agreed to do a lease to purchase agreement with the L.O. I wrote the offer, my client signed it and I sent to L.O. via Docusign. She asked me to make a change in the agreement but I notified her that no changes could be made, as my client had already signed the agreement.
L.O. decides to come to my place of residence and hand sign the documents, the agreement was binding, a deposit and first months rent was given to L.O. and my client moved in by XX/XX/XXXX.
Per my clients, the L.O. requested via text to break the Lease to Purchase Agreement. L.O. States that the Agreement is no longer valid due to my client 's husband not signing the agreement as well. L.O. gives my client 30 days to vacate the premises. L.O tells my client that half of the money that was transacted will be returned via check. The other half would be returned during final walk through of the home for inspection to make sure the home was in good condition. The text message stating the return of half via mail was sent on XX/XX/XXXX.
My Client agreed, with the condition that all money would be returned. My client vacated the premises by XX/XX/XXXX, and no money has been returned to my client. Text messages have been attached to reflect agreement and conditions of breaking the agreement.
L.O. has also emailed my broker to spread misinformation about me. L.O. has stated that I manipulated her into this type of transaction, when all I did was offer help and located a possible buyer. L.O. has stated that I am unprofessional, and I will not tolerate lies against my character. I take my profession seriously and do my best to make sure all transactions are handled in professional and legal ways.
In closing, L.O. has behaved unethically and immorally. L.O. still has yet to return the money promised to my client. My client is not comfortable with L.O. still having access to her information as well as she has lost faith in L.O. performing duties and responsibilities in an ethical, moral, and professional way.
Notes* - Purchase and Sale agreement not able to upload, file is too large. it is available upon request.
-XXXX XXXX was not signed by L.O. She refused to sign. Document sent XX/XX/XXXX.
-Client submitted a signed testimony via a scanned document in XXXX. Translation available upon request.
- Text messages in XXXX as well.
-L.O. also asked me to look for a home for her while she was under contract with my client, we look at several homes, we find one in a new subdivision, which she decides to buy and go under contract. We look at said home while it was under construction 3 separate times for progress reports. L.O. cancels the contract without my knowledge with the listing agent. She refused to let me know due to her issue with my client and breaking the agreement. L.O. still has not made contact with me about these issues. I have tried resolving at the lowest level, but my hand has now been forced.
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| 06/01/2018 |
Yes |
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Web |
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On XX/XX/XXXX I closed on a house serviced by Fairway Mortgage Independent Mortgage Company Corporate office is XXXX XXXX XXXX XXXX, XXXX, WI XXXX.
This past year I received a letter from my neighbors attorney, that they had a boundary survey done and my garage was encroaching on their property by 2 and feet. I immediately contacted the title company and explained the situation. They put me in touch with a company called XXXX XXXX XXXX that the mortgage company hired to conduct the mortgage survey for the loan. After talking to the owner, XXXX XXXX, he told me that he would come out and re-survey the property.
After many, many phone calls he finally came out to survey the property in XX/XX/XXXX. The only paperwork he brought was the neighbors survey and the original that his company preformed. On the neighbors survey, they reset the pins that mark the property line and XXXX XXXX did nothing to consider whether setting the pins were proper or not. He just conceded that they were correct. I took a day off work and went down to the XXXX County Auditors office and pulled every deed on the property since it had been split in XX/XX/XXXX. I found many measurements that did not line up with the neighbors survey XXXX asked me to scan and email them to them and they would consider it.
Several months passed and with no results from the surveyor, I went back to the title company, who told me they were not responsible because they did not hire him and told me to contact the mortgage company as they were the ones who hired him for the closing work.
I contacted the Fairway branch that did the mortgage work and they told me they would contact the surveyor and have him work with me to resolve the issue.
He sent me what he said was a boundary survey that his company did, however he never came back to my property and when compared to the neighbors boundary survey was exactly the same as if he just copied it. He took none of the deeds that I sent him into consideration as none of the mismeasurement I found were ever addressed. He refused to submit this issue to his errors & omissions insurance because his deductible was {$10000.00} dollars. I have emails and texts where the surveyor admits its his fault and that he would settle with me. By this time, it was XX/XX/XXXX. When I contacted the surveyor again, he told me I needed to speak to his attorney.
I contacted his attorney, who told me he was working on a deal to resolve the problem with the neighbors. The surveyors attorney and the neighbors attorney were involved in talks without including me. And this went on for 3 months. The neighbors would not settle with the surveyors attorney and had since built a fence on what they perceived was the property line and built it right up against my garage, now denying me access to the right side of my garage and now I could no longer maintain it.
I contacted the surveyor attorney, who basically told me there was nothing they could do and that the surveyor would not turn it into his insurance because they felt my damage was less than {$10000.00}. I told him he need to put my garage on my property because that is how I purchased the house. They refused to negotiate with me and sent me back to the mortgage company.
When I contacted the mortgage company, they told me that even though they were the ones who hired this surveyor, they were not responsible because it was disclosed to me on the HUD closing papers that I could have hired someone else.
The disclosure papers I received for the property stated that the survey was something I COULD shop for, however they did. On the first set of settlement services I signed on XX/XX/XXXX, the name of the surveyor was XXXX XXXX XXXX XXXX. The next set of GFE I signed was on XX/XX/XXXX. The property however was surveyed on XX/XX/XXXX by XXXX XXXX XXXX, 2 weeks prior to me receiving and signing my GFE. This was a second set.
I was never provided with a CFPB booklet and they never informed that I could or had to hire a surveyor to confirm the legally of the property. Since they already hired and conducted a survey that showed the property was legitimate, I had no reason to believe that it was not, therefore I purchased the property. The entire transaction was handled via the internet and they didnt speak to me about any of my rights.
I feel the mortgage company errored in hiring a shotty survey company and presenting me with a survey that make the property appear to be legal. I would never purchase a property where my garage would be encroaching on the neighbors property by 2 feet.
The resolution I am looking for is to be made whole. I now own a property that is 2000 square feet smaller than I thought, has a garage that the neighbors have made impossible for me to maintain as well as a property I cant sell because of the encroachment.
The mortgage company either need to move my garage and compensate me for the loss of property or purchase the home back at the current value.
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| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Back in XXXX of 2021 I was provided a preapproval from FAIRWAY INDEPENDENT MORTGAGE CORP, XXXX XXXX XXXX XXXX, XXXX, mo XXXX. Over the next few months I worked with the renovation team and my general contractor to submit the necessary documents for approval of construction. On several occasions throughout the months, we thought all the requested paperwork had been submitted, only for the renovation team to request something else at the last minute, in addition to what was previously submitted. During this time, I was totally out of the loop as to what was the status of the loan, as most of the time my realtor and I phone calls/emails went unanswered. Eventually I was informed that the loan approval was bouncing back and forth between the renovation and underwriting teams. Finally in XXXX, I was provided a commitment letter for XXXX which included the renovation cost. This cost was well above what I deemed necessary to complete the project, as I stated from the very beginning. I was reassured on several occasions that the unused funds would not be included in the mortgage after the work was completed, so I did not alter the numbers. Nonetheless, I continued to move forward, constantly amending the contract for closing dates that seemed to be completely disregarded and not of any concern or importance to Fairway. During the months, they were reluctant to issue a commitment letter but could not give me a denial letter because there was no reason to deny me. Therefore, they just kept delaying. After several months, because their hands were tied, they had no choice but to issue a commitment letter because of the pressure my agent and I were applying because we wanted answers. It became a pattern that on the week of every scheduled closing, something would need to be submitted at the last minute to the underwriting/renovation team for approval. Therefore, delaying the closing date again and again. In XXXX, after all required documents were submitted and approved, My realtor inquired about the Disclosure Statement. In response to her inquiries, it seemed that she was provided fluff and excuses in return to her inquiry. We were told that the disclosure is only issued after everything has been verified and the loan has been approved to be disbursed for closing. This would be the " last step '' before the closing. No disclosure was provided at this time.
The following week, I received a call stating the loan had completely fallen apart because an additional XXXX for construction had been added to the total mortgage amount. This in return threw off all the numbers, and my debt to income ratio was no longer in sync. I had no idea what was going on as I was completely caught off guard, because NO ONE reached out to me at ANYTIME to discuss the matter or to gain my approval. Due to the additional unauthorized XXXX increase, the loan would have to go all the way back to underwriting to remove the XXXX from the mortgage. At this point, I was basically starting all over from the beginning, re submitting documents all over again. The seller stated she was very upset and would be seeking to go to litigation.
In XXXX I received a disclosure statement from Fairway with a closing date of the XXXX. Everyone from the buyer to the seller scrambled to make this come to reality. As usual, the Fairway team was missing in action as usual. On the XXXX, the day before closing, I was notified by your Fairway that the closing would not go through due to the fact none of the six institutions were willing to provide PMI for the mortgage. The only solution available was for me to bring a minimum of 20 % down payment plus increase the instruction loan substantially in order to qualify. Increasing the renovation loan numbers was the exact reason I was told weeks prior that I no longer was approved for the loan. We had a conference call with the buyer, buyers agent, seller 's agent, and XXXX XXXX to figure where we go from here. At this point the seller is furious and for good reason. XXXX stated that he would speak to the seller to explain the situation but that never came to fruition.
My credit was good, my income was over 200k, and my debt to income ration was amazing. They just used stall tactics to delay the loan until the seller had enough and eventually pulled the plug on the contract after granting several extensions based off Fairway stating they needed an additional document. They even told me that I would need to have the grass cut and the prune the trees before we could proceed with the loan.
I went from a mortgage preapproval with a XXXX purchase price ( plus XXXX credit from the seller ) and XXXX closing cost to a loan estimate for XXXX with a whopping closing cost of XXXX.
I reached out to the manager of XXXX to discuss the issue via email as I was working overseas and had different time zones. She refused to discuss the issues over email and only want to discuss via phone as to not leave a paper trail.
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| 03/16/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I am writing to complain about Fairway Independent Mortgage Corporation and their handling of my VA Mortgage after my XXXX XXXXXXXX Forbearance. My Forbearance was extended to XX/XX/2022. I spoke with a representative of Fairway XX/XX/2022 to ask them to end my Forbearance. On XX/XX/XXXX, I received a letter from Fairway that stated they were offering me an opportunity to enter a Trial Period Plan for a mortgage modification. I noticed that the payments on the modification were higher than my previous payments. My previous payments were {$1600.00}, my new payments on the trial period would be {$1800.00}. I had heard that the VA mortgage loans were offering a modification that would decrease my mortgage payments. I met with XXXX XXXX, HUD Certified Mortgage Loan Advisor, at XXXX XXXX XXXX on XX/XX/2022. She and I called Fairway Independent Mortgage Corporation to inquire on why I was not offered the either the Streamline Modification or the Affordable Modification where my payment would decrease at least 20 %. We were told that the only options open to me Reinstatement, where I would pay in full all of the missing payments, a Repayment plan where the missed payments would be paid over 4 payments on top of my regular payment and a Cap and Extend where my loan would be extended to maintain the current mortgage payments. When questioned about these options we were told that we could not speak with a Point of Contact, that they would need to call us in the next 3 days. We asked if we could schedule a time for them to call so that both of us would be able to be on the call, we were told that this was not an option. I did receive a call from the Point of Contact at Fairway, but I was at work. I called back after work and was not able to speak with a Point of Contact. On XX/XX/XXXX, I called Fairway again with XXXX XXXX. We were told that there were no options that would reduce my monthly payment. I was told that a Point of Contact would call on XX/XX/XXXX. I received a call on XX/XX/XXXX while I was at work and was unable to speak with them. On XX/XX/XXXX I received a Foreclosure letter. I called Fairway and was told that I should toss out the letter, that I was not in Foreclosure. On XX/XX/XXXX, XXXX XXXX and myself called Fairway. We were told that the Loan Modification I was offered maintained my current payment and would extend the term of my loan to pay the missed payments from the time in Forbearance. XXXX asked about the other options offered by the VA including the Loan Deferment, Standalone VA Partial Claim payment and the XXXX XXXXXXXX Refund Modification where my payment would decrease a minimum of 20 %. The Fairway representative stated they spoke with someone in Loss Mitigations regarding these options. And that with the Modification that was offered, I was required to make 3 payments. After the three payments, the Underwriter would determine new payment amount. XXXX again asked why the other options were not being offered. We were told that Point Of Contact in Loss Mitigations would call XXXX. XXXX let them know that she needed to schedule a time to and suggested email would be easiest to do this. This request was made to Point of Contact. On XX/XX/XXXX XXXX called Fairway because she never received a call or email from Fairway. XXXX spoke with XXXX and again asked about the other Modification options and was again told that the only options were the Repayment and Cap and Extend. XXXX was not able to get ahold of a Point of Contact, who she said would be able to share more information and said I would receive a call within XXXX days. On XX/XX/XXXX, I spoke with Fairway and requested they send me a copy of the Disaster Modification they originally sent on XX/XX/2022.
My two complaints about this company are as follows : Fairway Independent Mortgage Corporations Point of Contact Staff, who work with their Loss Mitigations department, are not accessible to speak with both me and XXXX XXXX, the HUD certified Home Ownership Advisor. They often do not respond to requests to set up appointments to speak. When asked to set up a time to meet via email, they stated they sent an email, but XXXX XXXX never received one.
Fairway Independent Mortgage Corporation is not offering the VAs Affordable Modification or the VA Streamline Modification.
I would like to be able to qualify for the best relief option available to me, and I do not believe Fairway Independent Mortgage Corporation is offering the assistance programs the VA is offering.
Please see the following : XX/XX/2022 Modification Letter XX/XX/XXXX, Notice of Foreclosure VA Modification Comparison Chart.
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| 10/03/2022 |
Yes |
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Web |
Servicemember |
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On XXXX XXXX, 2019, a fraudulent mortgage was entered into the public record of XXXX XXXX Recorder of Deeds, located on XXXX N. XXXX XXXX, XXXX, SC XXXX ; Book XXXX and Page XXXX. The mortgage was created by XXXX XXXX and on the public record there is a person named XXXX XXXX, both of Fairway Independent Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX.
The reason for this complaint is that the mortgage clearly states that XXXX XXXX XXXX XXXX is a MARRIED MAN. This is clear deception on the record and I feel this is in violation of the truth in lending and Fair Debt Collection Practice Act. 15 U.S.C. 1692 ( j ) says that you can't furnish deceptive forms.
Because of this action brought on by the Brokers in this Financial Institution, It has caused me a great deal of trouble in finding out the truth to how another company has come to acquire my name, my social security number, my address, without consent given from the consumer.
15 U.S.C. 1692 ( b ), as to where another company has acquired my location information, claiming that I owe a debt. This is false and misleading unfair business practices who initiated the course of this ordeal that I have had to endure.
I was approved for financing from the beginning. According to the truth in lending, financing pay for every thing directly or indirectly. So how is it that the brokers took it upon themselves to write up a mortgage contract to deceive me into thinking that I owe a debt when no existed from the beginning?
I have been harassed by XXXX XXXX XXXX XXXX XXXX for a payment of a debt on a mortgage that has been created under false pretense. For one, I am not a married man. I have no marriage license by any law. The debt was paid by the financing but yet I am being told that I owe a debt from another company.
I believe my location information was sold to XXXX XXXX XXXX XXXX XXXX. I say that because I disputed the debt on my public score and the credit bureau 's found it necessary to remove XXXX XXXX XXXX XXXX XXXX because there was no wet ink signature to the contract.
The Credit Bureau will not just remove a " creditor '' if there is a valid debt that can be proven by XXXX XXXX XXXX XXXX XXXX. Fairway Independent Mortgage of XXXX, SC have trashed my name through the courts along with XXXX XXXX, SERVICING. They have tried to foreclose on me time after time.
This is identity theft, fraud, unfair business practices, harassment, abuse, and I demand that these criminals be brought to justice for their actions against a consumer.
The original note and mortgage have already been sold in pool of mortgages and notes on the stock market. This is what they do, and sell/assign a copy of the mortgage and note to another company who demands payment, and claim they have interest in a property through fraudulent contracts made in the name of the consumer without full disclosure.
Under 15 U.S.C. 1611, there is a criminal liability associated with these actions. I expect the CFPB and other federal agency 's to enforce that rule because this behavior is criminal.
All applications are letters of credit and letters of credit are authenticated by signature. If I am required to pay a debt then that would mean I was not financed. This is a total violation of the truth in lending, FDCPA, the XXXX, and numerous federal laws.
A contract is between two parties, not one. I have no contract with Fairway Independent Mortgage, nor do I have one with XXXX XXXX XXXX XXXX XXXX. If there is a contract, please produce the evidence with a wet ink signature. Please produce the master file so that I may inspect the original documents for error. Please produce the original promissory note/ security instrument to see whose signature is there for endorsement.
Full disclosure also refers to the general need in business transactions for both parties to tell the whole truth about any material issue about any transaction. by utilizing my information and distributing to various other entities their Continuing financial crimes enterprise ( RICO ) under 18 U.S.C. 225 committing FRAUD, Fraud under 18 U.S.C. 134.
15 U.S.C. 1 says that all contracts are illegal and 15 U.S.C. 2 say that one can not monopolize because that is a felony. My name is my intellectual property which has been sold and traded on an open market. My intellectual property is being trafficked by these corporations without compensation.
The lien on the public record is fraud. The mortgage is fraud. The security note is stolen. All proceeds belong to the original creditor which is XXXX XXXX XXXX XXXX an UNMARRIED MAN.
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| 08/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I closed on my house on XX/XX/2019. I had been the official owner of the home for over a month and reached out to the lending company about a refinancing question, more specifically, when I would be able to if and when I wanted to. Only then is when they must have looked at my paperwork to answer my question, noticed an error in the documents and decided to let me know. If I hadnt have emailed them with the question, would they have even caught the mistake?
The mistake : They sent me notice via email that they had made an error with the paperwork, over a month later, on XX/XX/XXXX, and asked me to sign new documents, again, through email. I had requested more information regarding the error and I was told this : " Your loan included 6 % in Down Payment Assistance and that is provided with a 10 year forgivable 2nd loan. The lower Down Payment Assistance programs are a 3 year forgivable loan and unfortunately that is how your original second was drawn. The corrected note and deed sent by XXXX ( production coordinator ) is correcting your second from 3 years to 10 years to match your correct 6 % DPA. '' Mind you, I was notified of this information 30 days after my official closing date. I had already completed the signing process, made the final agreements to the contract and had been a home owner since XX/XX/2019. The company may have mentioned something in the beginning stages of the home buying process, and I know they mentioned briefly something about 3 years and 10 years. I don't even really know, but there was so many things going on, how was I supposed to know what anything really meant without it being explained in full detail? Everything made sense on my signing day, which is why I signed my name so many times.
I did sign the errors and omissions document, which myself and others I have spoken to are completely unfamiliar with and maybe I should have asked more questions about it, but that is the partial downside of being a first time home buyer I suppose. I am a XXXX year old millennial and did not have the luxury of learning the home buying process in school. Regarding this document, don't they have to notify me of the error within 30 days of closing on the home? Am I obligated to sign this new paperwork that will completely change my 30 year contract? A little more information and to be sure I am understanding this all correctly, I used this first time home buyers program, which I guess acts as a 2nd lien, and when I went to my final signing to completely close on XX/XX/19 ( closing date was XX/XX/19 ), the paperwork said I was obligated to the 2nd lien for only 3 years and then it was forgiven. From my understanding, the mistake the lender made that they want me to fix now, through signing new documents, is that they want to change the forgiveness period to 10 years rather than 3 years. So essentially, I would have to stay in the home for 10 years and have that second lien in my name for that long ( vs the 3 years ) or I would have to pay back the first time home buyers loan I received.This changes things quite a bit. I am single now and the home has two bedrooms and one bathroom. I love the home, however, by the time I'm XXXX years old, I could very well be a different person and be able to afford other home options. This whole situation is scary enough and I just have too many questions I want answered and I have refused to sign the paperwork.
Now, the lending company has sent me a letter, ( mind you the very first official letter that has been sent to me via mail regarding this issue ) which is dated on XX/XX/19. I did not receive this letter until XX/XX/19. The letter indicates more details about the error, that I signed the errors and omissions- compliance agreement on XX/XX/19 and that since I have refused to sign the documents and send them back via email that I am in breach of my contract. It instructs me to contact XXXX XXXX to make arrangements to sign the documents and that if I do not within 5 days of the date of this letter, ( letter dated XX/XX/19, received by me on XX/XX/19 : over 5 business days already ) that they will be forced to take further legal action against me. It ends with a warning, " Please govern your actions accordingly. ''
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| 06/22/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX XXXX XXXX reached out to notify me that my credit scores should now be high enough to qualify for a down payment assistance program.
XX/XX/XXXX I responded and let him know that my score was 690+, but that my student loans were in forbearance and no longer showed a monthly payment amount on my credit report.Advised that the student loan servicer was providing me a letter stating what my monthly payment amount is, and also informed him that the forbearance had been removed.
XX/XX/XXXX XXXX XXXX asked for a copy of the mortgage letter once received to verify my monthly student loan payment amount XX/XX/XXXX I forwarded the letter to XXXX XXXX. I asked him to verify that the letter was sufficient before moving forward.
XX/XX/XXXX XXXX responded and said the letter was fine and that he needed to pull credit again to move forward.
XX/XX/XXXX I responded and said " Please confirm that the letter is sufficient for the DPA. I don't want to pull credit again until that is confirmed. Some DPA 's still require lenders to calculate 1 % of the total loan balance DESPITE the monthly payment plan. '' XX/XX/XXXX He replied and stated " We will be fine with using this letter to document monthly payment. '' XX/XX/XXXX I gave XXXX permission to move forward and pull credit since he stated the mortgage letter was sufficient.
XX/XX/XXXX & XX/XX/XXXX I reached out to XXXX for followup.
XX/XX/XXXX he responds and says that credit scores look fine, the concern is the letter that I provided as it states that if my loans are not re-certified my payments would increase monthly.
XX/XX/XXXX I sent the following email to XXXX.
Hello, " I am highly disappointed with the lack of transparency and communication displayed during this process. I specifically requested that my credit NOT be pulled if the student loan document was in question, or insufficient. XXXX, you stated the document was sufficient. From there, I have had to reach out to you several times just to get follow up questions answered.
As of yesterday, I was told that the document was not sufficient as it states what the student loan payment would balloon to if I don't re-certify, or if my income increases. Outside of the covid forbearance, I have been on a payment plan for over a year which previously showed on my credit report.
We all have enough stressors to deal with in this current climate and customer service is of the utmost importance. I am asking that processing of this application be discontinued because I no longer feeling like we are on the same page, communication has been more challenging than it needs to be, and I do not agree with how this was handled. '' XX/XX/XXXX XXXX XXXX " Good Afternoon XXXX, Sorry you feel that way, we will withdraw your application right away.
Thank you '' I then reached out to MrXXXX XXXX the Branch Mgr and he escalated the matter to the legal dpt. Days later I was contacted by XXXX XXXX in Consumer Affairs. She confirmed that XXXX violated the law by pulling my credit without permission. She attempted to see if the loan could then be completed. Days later I was notified that they could not move forward with the loan.
Had XXXX verified my letter and subsequent information PRIOR to pulling my credit as I requested, this entire situation would have been avoided. A hard inquiry on my credit that is not substantiated by an actual loan being provided is damaging and will remain on my report for up to two years. I want to proceed with this complaint in hopes of having my credit report amended so that the inquiry is removed. Direct violation of my consumer rights and I have every email exchange between XXXX and I. He did not care about my request, failed to read the details of my written communications, and attempted to write me off after I highlighted the error that he made. I have previously been a victim of predatory lending practices and this is a similar situation in that my rights were clearly violated and I was brushed off after the Loan Officer failed to perform due diligence.
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| 05/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I reached out to freedom mortgage my current loan servicer for loss mitigation options in XX/XX/XXXX. ( My loan has been sold multiple times since I bought my home six years ago. Freedom mortgage corporation is my current loan servicer. ) There were no mitigation offers on my account and they put my account in pre-foreclosure status. Unfortunately, I was affected by XXXX and had had some ongoing medical issues. I was out of work for a few months, waiting on a medical appointment for a procedure in order to go back to work. I contacted freedom mortgage again in XX/XX/XXXX once I was in the XXXXl to ask about options to get current on my loan. They mailed me out a loss mitigation packet. I filled it out and returned it once I was out of the hospital in XX/XX/XXXX. The packet was filled out on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that my package was complete and I should have an offer of loss mitigation options within 30 days. They did say that if they need it further documentation that I had until XX/XX/XXXX to get it in and still be under foreclosure protections.
I called freedom mortgage once again on XX/XX/XXXX and they stated that the form that they mailed me out was incorrect for the IRS 4506C. They emailed me the correct form for the IRS XXXX which I promptly print it out and returned via email. Freedom mortgage did request further information via call which I provided also on XX/XX/XXXX via email. Freedom mortgage did send an automated receipt of documents. I called in on XX/XX/XXXX to confirm that they received the documents and that the loss mitigation offers would still be presented within the 30 day period. They stated that they could only open documents in a PDF form they re-requested for a third time the exact same documents I sent physically and in email from XX/XX/XXXX- XX/XX/XXXX!! There is nowhere stated on any letter or email that freedom mortgage only accepts document in PDF form! I complied and resent everything in PDF form on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm that everything is proceeding and to get an update on loss mitigation options that should be provided within 30 days. The agent lets me know that the IRS form 4506c can only be completed electronically and printed it out then signed. The agent stated that the IRS form 4506C can not be filled out with pen and paper. It has to be digitally filled out. There is no confirmation of that from the IRS instructions so this proves to be false!
This is the fourth time I have submitted the 4506C form from XXXX XXXX XXXX XXXX! First time freedom mortgage sent me the wrong document to fill out with the incorrect year. The second time I sent them the correct form, filled out by hand with pen and paper and uploaded to email. The third time I was told the IRS form had to be in PDF form in which I submitted. The fourth time was on XX/XX/XXXX!
Freedom mortgage has had me resend documents 2 to 4 times since XX/XX/XXXX. I got a completed loss mitigation package notification via mail on XX/XX/XXXX. Now it is Tuesday, XX/XX/XXXX and I still have no loss mitigation options present it to me to save my home. Freedom mortgage also failed to halt foreclosure proceedings as they require two by federal law once they receive a completed loss mitigation package. The letter they mailed dated XX/XX/XXXX states they have had a completed loss mitigation package valid as of XX/XX/XXXX.
On XX/XX/XXXX and agent told me that they had put a pause and reproduction date on my foreclosure for XX/XX/XXXX.
When I called yesterday XX/XX/XXXX the agent told me that there was no pause and that the foreclosure will continue with a scheduled sale date of XX/XX/XXXX even though theyve had a completed foreclosure packet since XX/XX/XXXX.
I have no approval no denial and no loss mitigation options offered that are in alignment with federal regulations and foreclosure protections for homeowners as of XX/XX/XXXX in Colorado.
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| 01/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I have typed a XXXX page account to upload to discuss everything that happened to me during the process of my loan. I believe that I have become the victim of big business and poor communication and am claiming the following : I believe the following infractions were impeded on us by XXXX XXXX : 1 ) Predatory Lending practices 2 ) Bait and Switch tactics presented to us 3 ) Breaches of confidentiality 4 ) Recommendations for me to pay to improve my credit score 5 ) Character destruction 6 ) Appraisal missteps ( we were asking for the appraisal and told it was n't complete or it had minor corrections ). We did not get the appraisal 3 days prior to closing and were given the appraisal after we had signed all of the closing papers. We did n't even realize the appraisal waiver was in the closing as the appraisal was never offered to us. We were very disappointed with the appraisal and did not agree, but we had unknowingly signed a waiver ; even after asking prior to closing about the appraisal.
Why predatory lending?
My husband and I were clear with XXXX XXXX that we wanted to receive a loan for about XXXX. He continued to discuss ways that we could hang on to our money and have our money work for us. He said I qualified for XXXX, and this would allow us to keep our money or spend in upgrades. We both stated we were fine with getting XXXX or more, but did n't want to be in a difficult financial situation. My husband and I stated we were fine with what we qualified for. This was absolutely NOT TRUE! When the loan processor said the money could n't count as close money, he then sent both the loan processor and myself XXXX guidance to justify, and the loan processor said this would not work. Additionally he argued with underwriting, but clearly it would n't work. He then said to me that he had just closed an FHA loan and a man paid for his well house and it counted. Well this was not an FHA loan and the rules were different.
In addition, he talked us into this interest rate by stating all these credits would be given and our max out of pocket closing costs would be XXXX if we took the lender 's credit and higher interest rate. I explained that I did not want a 4.87 % interest rate as the rate was 4.3 %. XXXX let me know my credit would only allow for 4.5 % which was PAR. I said well that is better to me. He said well the difference between the XXXX is a dinner at XXXX. I felt really offended, but I took his advice. I thought to myself that a dinner at XXXX is XXXX x 12 months x 30 years which is XXXX. So in hindsight the closing costs would have been better financially.
XXXX also began to try to sell us on a jumbo loan or a cash out refinance after closing. Of course my husband and I were like o.k., this sounds great, but then I said can I qualify for a jumbo loan? He said yes because you owe very little on your credit cards. We said o.k., but we really are good where we are. I said if it is a better deal ; we will look into it. XXXX said well you have to have your credit over XXXX, but I know this guy named XXXX XXXX who is a great guy, but it will cost you. I said well if it improves my credit I guess it 's worth a shot. Again, I am taking his advice. So he emails XXXX and copies me and says XXXX this is my friend can you help her out? This ended up costing {$600.00}, and I was told that my credit score seemed a simple fix, but it would take about 45-90 days. This was a wasted {$600.00}. When my husband and I confronted XXXX about this, he said well she does n't need it for this loan, but when you get ready to refi then it will help. We were n't talking about refinancing. We only wanted our first loan. This was a complete waste of our time and money as my DTI could n't sustain a jumbo anyway and XXXX knew it as I had DTI issues in the end and had to sale my car and pay XXXX to refinance which again cost us money.
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| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have been with this mortgage company over a year and had no problems at all ntil they apparently changed processors late last year. At this time, I started getting calls stating that my payment had not been made. My payments had always been auto-drafted so I do n't know why this had not happened. I paid the XXXX payment over the phone and told them to please continue drafting my payments in the future. Then late Januray I get another call stating that my XXXX payment had not been made ( I am going through XXXX so I had not been doing the best job keeping up with this, assuming it was auto-drafting as it was supposed to be ). I immediately made the payment over the phone so as not to get behind on my mortgage. This was XXXX XXXX. This payment cleared my bank, and then in XXXX FINALLY they auto-drafted my XXXX payment as they were supposed to. Shortly thereafter my husband and I begin getting automated phone calls frequently throughout the week, stating that our XXXX payment had not been made!!! What?!! I accessed my bank account to see that the XXXX payment was made, the XXXX payment was made, and the XXXX payment was made. I called Fairway to begin, what would turn out to be a very lengthy uphill battle of getting absolutely nowhere. I contacted my bank and they told me that Fairway had pulled the money from the account, not the other way around ( Fairway had been asking for a copy of the transaction from my bank, as if the bank mailed them a payment ... that was not the case, Fairway had pulled the funds from my account ). The XXXX XXXX rep was kind enough to allow me to put her on 3-way and call the mortgage company. She explained to them that they authorized the transaction and that there was no voided check that could be provided because of that. The rep for Fairway kept going in circles and finally my bank rep told me to go into my local branch and have them give me documentation on these funds being pulled from my account. I had to wait about a week to do this, because I was sick from my XXXX, but as soon as I could I went to the bank and had them fax the necessary documents over. Meanwhile, we are still getting automated phone calls multiple times a week. I called the next day and spoke with a rep who told me that they did receive the documentation from the bank, and this would be taken care of immediately. A week or so later, still nothing. I call Fairway back and go through the story AGAIN. I could see I was still getting nowhere so I asked for a supervisor. I was told that a supervisor would call me back. Days later, I am still getting automated calls, but no supervisor ever returned my call. I call again, get put on hold for almost 45 minutes before someone gets on the phone. Finally, a supervisor gets on the phone and I go back over my story again. We contacted my bank on 3 way but I was in XXXX and they needed my account information, which was downstairs. The supervisor for Fairway said he was going to work on this and get back to me. I still have n't heard back from him. Again, we are still getting phone calls throughout the week telling us to contact Fairway regarding a missed payment. I call again, and ask for a supervisor. I have to, yet again, go back through my story ( for about the 10th time ). I get a supervisor on the phone, who assures me that this is going to be handled and she will get back to me with an answer either way that day. That was a week ago, and I have n't heard anything except automated calls stating we need to contact Fairway about a missed payment. This is almost {$3000.00} that they pulled out of my account and can not find. Not to mention whether or not this is hurting my credit!!! I have tried to research attorneys this morning, but I found your information and wanted to report this complaint.
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| 01/13/2021 |
Yes |
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Web |
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I applied for a loan late XXXX XXXX and was told my information but did not officially take it until XXXX XXXX. Then I did not hear from did not put I am a XXXX XXXX, and I have saved and sacrificed for the past XXXX years so my daughter and I can live in a better environment ; and have our own home. I am writing this letter seeking help because my family was treated unfairly.
On XX/XX/2020, my contract bid was submitted to Fairway Mortgage with all the necessary paper work, per request, to process a loan ; It was ignored for nearly 3 weeks.
On XX/XX/XXXX, I completed the actual loan agreement. Then on XX/XX/XXXX I received a call from????? ( from the department ' same person i had been speaking to ' )???? asking for the exact same paperwork I had already sent over. This happened time after time, the same paper work was requested and I would continuously resend them immediately. At one point I even met the representative in the parking lot of his office to give him the same paperwork. Repeatedly my realtor asked him if he needed any other paperwork, and he said no, then she specifically asked is that all you need and he said yes.
On XX/XX/XXXX I received an email form him telling me about the fact, the house did not apprase, and that I would need a gift letter for {$3000.00}. I did what I had to do and finally an XXXX agreed to give me the gift. During all this time going back and forth, I had to pay for XXXX extensions, which cost me {$1100.00}. my agent specifically ask what was needed to get me a 'clear to close ' because i had received an approval letter.
my closing date was originally schedule for the last of XXXX but he had delayed my file. I received a second closing date for XX/XX/XXXX that didnt happen, and I wasnt given an explanation why, which further shows the lack of communication from the representative. It wasnt until the next month XX/XX/XXXX that i heard from him. i also heard from the seller that i have to pay for my last extension, and I had to have my 'Clear to Close '. he then informed me that the gift I needed went from {$3000.00} to {$8000.00}, which of course place me in a serious bind. My agent wrote his boss and after his response was, '' who told you my bosses number? '' the next day he said you didnt get a clear to close anyway. Then he inform me with three day left to closing i had to come up with {$8000.00} instead of $ XXXX my loan was process in a timely manner i would have been able to meet the demand.
The lender told me that they received a 'Clear to Close ' but my attorney never received the 'Clear to Close ' I feel I was treated unfairly by this particular representative because I didnt use the inspector that he recommended. I know I have the right to choose my own inspector, which I did, and for that I was sabotaged.
I am seeking help to right this wrong and my lost money returned back to me from this representative. I am also seeking to make sure he doesn't do it to anyone else Again, I am a single mother that saved and sacrificed for the past five years some my little girl and I can live in a better environment and have our own home. We may not look like the majority, or be as educated as some, but we matter and should be treated with dignity and above all, fairness.
What was done to our family was unfair and should not be done to anyone. I humbly ask for help to rectify this situation. Ideally Id like us to have our new home as soon as possible, but at time i need my money back. Thank you for your help.
a minimum have all the expenditures returned so it can be used towards any monies need for our new home.
Expenditures are listed below : -Earnest money deposit {$1300.00} -Inspection {$1100.00} -Utility turn on {$150.00} -Extensions {$1100.00} Total : {$3700.00}
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| 05/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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XX/XX/22 contacted XXXX XXXX for a renovation loan + home purchase in one loan. I provided accurate information about purchase price, reno budget, income, credit scores, down payment, etc. She assured me she could help and quoted us a 4.75 % interest rate with a 30-45 day close bc I insisted we would like to close quickly as the rates will be going up and we are in line with our contractor. My husband and I completed the required financial documents and were quickly approved for the loan amount. She requested the renovation bid from us and we provided that to her. She sent us a our loan estimate and I contacted her to review with her and she walked us through the entire document and assured us that this is very accurate and almost identical to the final papers we would be signing at closing. The interest rate was slightly higher, and did have points we were supposed to pay, but my husband and I did sign and agree to all of her terms. We later found out that she never locked our interest rate, even after repeated requests made by myself, my husband, and even our realtor. She did eventually agree to honor the interest rate we signed on, but has since sent us multiple new disclosures ( at least 4 ) trying to get us to agree to borrow more money than we need ( anywhere from $ XXXX {$84000.00} more ) which we are not interested in doing. Closing costs vary {$8300.00}. Estimated cash to close varies {$22000.00}. Home price, reno budget, nothing has changed on our end. She has recalled several emails, we believe in an attempt to cover some of her lies. We were set to close on XX/XX/22. I found out XX/XX/22 we were not going to be closing because we would not sign a new disclosure agreeing to borrow more money than we needed. She also told us that she never ordered the appraisal. She did finally order an appraisal on XX/XX/22 and that was successfully completed and returned to her on XX/XX/22. My husband and I have met with an attorney and have been advised that we have a signed agreement in place and that this is the old bait and switch and they are just trying to get more money from us. We should not be required to borrow or sign a new agreement. After making several requests to speak with a manager and/or supervisor, on or about XX/XX/22 XXXX XXXX did bring in a third person she said was her manager. This person denies being her boss or manager. Unfortunately after a three way call I have not heard back from him. On XX/XX/22 I had a XXXX minute conference call with XXXX XXXX, myself, and Fairways Corporate Counsel, XXXX XXXX. A representative from the renovation department at Fairway came on the call briefly to confirm a few things, as well as our contractor. The lawyer and XXXX XXXX spent an hour trying to convince me this was the final and accurate document. Towards the end of the call I was able to prove to everyone that there was in additional very large and unaccounted charge. The call ended abruptly and everyone hung up on me immediately. Fairways attorney never attempted to reach back out to me to further acknowledge and/or remedy their errors. Several hours later I was sent new documents again. XXXX XXXX sent two texts informing me that we had to sign by XXXX the next day. The amount of errors, threats, lies, and attempts to get more money than necessary out of us is unacceptable. We have provided true and accurate numbers to Fairway in a very timely manner, as requested, throughout this process. Fairway appears to be using very predatory lending practices and attempting to take advantage of their customers. My husband and I have worked and waited so long for this house and believe they are fully taking advantage of us. We fear we will lose our dream home at this point.
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| 09/23/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
Servicemember |
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I would like to file a complaint against Fairway Mortgage. This company handled my loan in a very unprofessional way. I was misled and treated unfairly. This company lied to me, acted very inappropriate and handled things in a very unprofessional way. First point of contention ( and there are many during this home buying negotiations and closing ) was that I wanted to ask that the seller to pay XXXX % concessions to avoid out of pocket expenses at closing. XXXX XXXX ( manager ) of Fairway Mortgage advised me that XXXX % concessions was more than enough and that if it was n't ( we have this in writing ), XXXX XXXX said he would get home buyer credits and adjustments to ensure we got what we needed to close with no out of pocket funds. He mentioned even lowering interest rates if he needed. We have in writing from him that I would have NO OUT of pocket expenses, which is why we never asked for the XXXX % concessions or closing costs. As a result of his mishandling and misleading we had to come up with an additional {$3500.00} in closing costs at close of escrow. During our signing at the title office, we questioned XXXX XXXX on all the extra costs/title fees ( pest fees etc. ), he argued with us, acted very childish and unprofessional. During the entire transaction XXXX XXXX was very rude, degrading and belittling. We have emails to prove this. At closing, XXXX XXXX told us that he could get fees refunded however, escrow would then be delayed. We had no room in the timing of this loan ( extension of closing date ) as we had been given the " Cure '' time frame and were about to lose our new home and had already given notice to the landlord on our rental. Had we not done as XXXX XXXX demanded, my/our family ( XXXX kids ) myself, and my significant other would have been without a place to live. Prior to XXXX XXXX 's ( manager ) involvement he had XXXX employees ' that quit or left us dangling after our original loan inquiry. These XXXX employees pulled my credit and caused issues that related to a higher interest rate ( as XXXX XXXX indicated at the end of the loan ). These credit inquiries counted against me, and this loan process. Now causing an inflated interested rate ( due to lower credit score ) that now increased my mortgage payment and caused more of an out of pocket expense. I feel that these inquiries should not have counted against me, or should have been removed from the interest rate equation as they credit pulls/inquires related to the same transaction. I feel that Fairway Mortgage inflated this issue to draw some sort of extra funding that allowed them to capitalize financially and take advantage of the consumer ( myself ). I feel that all of this was fraudulent and could be viewed illegal or illegitimate business practices. I would like to file complaint and demand to be reimbursed for all of the out of pocket expenses that would have been covered with the extra XXXX % concessions/closing costs that I wanted to request at the beginning of my transaction. Again, XXXX XXXX ensured that we did not need this extra funding ( XXXX % ). He gave us this in writing and then inflated the costs at the end. He told us at signing, in front of the title agent and relator that he could refund fees however needed time to do so ( of course delaying closing- that equated to loss of both new home and rental ). Post transaction, I still have yet to see a refund for any of this that he promised. We have proof that he owes us money. I am seeking monetary compensation from this company and want this money issued to me to avoid further illegitimate and illegal complaints against this agency and agent.
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| 05/21/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/2021 I began to research housing assistance programs offered by the State of Florida. Their website, XXXX listed XXXX XXXX as a loan officer working for Fairway Independent Mortgage Corporation as a XXXX XXXX XXXX Member with a " Silver Tier '' rating. That same day I attempted to contact XXXX in regards to getting prequalified for a VA home loan. I reached her voicemail and left a message requesting a callback. After not hearing back from XXXX for a few days I attempted to contact her again on XX/XX/2021. Again unable to reach her I left a message requesting her to contact me. As of today, XX/XX/2021, I have never received a response from XXXX.
On XX/XX/2021, I submitted a loan application using Fairway Independent Mortgage Corporation 's website. Later that day XXXX XXXX contacted me regarding my application. I expressed my interest in utilizing a Florida homebuyer assistance program titled 'Salute our Soldiers PLUS '. XXXX informed me that she would include that information in my application but as she was not a loan officer, I would need to wait to speak with an officer for more information on that program. XXXX requested additional information and financial documents from me before she was able to schedule a call between me and a loan officer, XXXX. This call was scheduled for XX/XX/2021.
On XX/XX/2021, the loan officer, XXXX, contacted me on my cell phone. After answering his questions regarding my loan application I again inquired about the XXXX XXXX XXXX XXXX program. XXXX stated that he was not familiar with that particular program. He also mentioned how VA loans and homebuyer assistance programs are not always compatible with each other. I requested that he take the time to research this program further as the information I was able to obtain from the XXXX website was limited. XXXX agreed to looking further into it and would call me back when he had an answer.
Approximately XXXX XXXX after that call ended XXXX calls me back. He advises me that he was unable to determine if the housing assistance program and VA loans could be used together. His recommendation is that I should contact other lenders and that XXXX would not be moving forward with my application. While speaking with him I acknowledged that him being based in California has limitations on how much he knows about Florida specific programs. XXXX mentions that his " Vice President '' is licensed in Florida but would not be able to assist me either. I question him about the local branch that is listed on XXXX 's website as being in the same city I currently reside, XXXX, FL. XXXX says I should contact that agent. I respond that I have attempted to contact XXXX multiple times but never received a response. XXXX and I agree that XXXX is not the best choice for my mortgage needs and that we should end the business relationship. I inquire about what will happen to the financial documents that I have submitted. He was unable to answer but said he would contact his compliance department to find out more and contact me back.
Approximately XXXX XXXX later XXXX calls me. He begins the conversation by apologizing for being so 'direct ' in the previous call. And then he begins to backpedal on his recommendation that I seek out other lenders. XXXX mentions he can get me in contact with a loan officer based on the east coast that would have a better understanding of Florida specific programs. I respond that my confidence that XXXX is able to meet my needs has wained and that I no longer wish to continue with the application process. I request that my loan application be withdrawn.
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| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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At this time, this formal complaint in in regards to the Fairway Independent Mortgage Agents, and in regards to the overall application process as an " Applicant '' and Consumer. I have first decided to opt out of credit authorization as referenced in the email attachment. This overall Claim and according to the FCRA and 15 US code 1602 ( f ), explaining that CREDIT IS MY RIGHT ( ECOA ). Not only that but pursuant to 15 US Code 1681q and 15 US Code 6821 related to the obtaining personal and private information from a consumer reporting agency under false pretenses ; Which would be aggravated identity theft pursuant to 18 US Code 1028A. FAIRWAY agents have deliberately violated the disclosures and regulations of " the Applicant is not required to provided certain information, the statute makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction, ( Credit Agreement in this case ), and 3 ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.. I am Competent and have an Affidavit of Beneficial ownership to support. Secondly, after providing my principal information and submitting my application, I have then referenced to the following Agent asking, who will be securing my rights to the application and the proceeds due on the application pursuant to the Truth in Lending Act Regulation Z as it relates to how an overall Credit Agreement and Consumer with respects to choosing how they want to enter into an Agreement.I the consumer have a right to acquire the Agricultural Goods for my household and family ( Federal Register/Vol. 86, No. 227 ). I also have the right to enter a transaction without Fraudulent and Deceptive practices ( 15 US Code sec 45d ) ( pursuant to 15 U.S. Code 1691 ( A ) ( B ), '' b ) The term Applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( ECOA Regulation B ) '' As referenced in 15 US Code sec, 45D ; I have requested the proceeds due upon the application where credits are being requested TRUTH AND LENDING ACT ( REG Z ). I am transferring principal interest upon Security ( application ). Lastly, providing incomes as a consumer is unrelated due the According to The Gold Standard ( HRJ 192 ), one can not demand any certain form of currency that would like to receive if it is dollar for dollar. I have attached supplemental documents supporting my claim and performance enforcing the obligation due upon acceptance of my security instrument, ( Application ) and the proceeds now due.
XXXX HAS ALSO FURNISHED UNDER FALSE PRETENSES MY PRIVATE AND PERSONAL INFORMATION ( Not only that but pursuant to 15 US Code 1681q and 15 US Code 6821 related to the obtaining personal and private information from a consumer reporting agency under false pretenses ) .31 U.S. Code 5118 " ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency.
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest. ''
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| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We used XXXX XXXX at XXXX XXXX to finance the purchase of a house. Because we still owned a house, which we were selling, we were in need of a bridge loan that XXXX was going to facilitate using XXXX XXXX as the lender.
We responded to and fulfilled all requests made of us within hours. However, the paperwork was delayed getting from Fairway to XXXX XXXX for the bridge loan thus removing the possibility of an appraisal and drastically limiting the amount of the bridge loan from {$250000.00} to {$150000.00}. The reduction in loan amount resulted in a higher primary mortgage amount and increased interest rate.
As of XX/XX/XXXX, our loan had gone through underwriting and received final approval with a condition that we would pre-pay the remainder of a leased vehicle through XXXX XXXX to lower the DTI. With the closing scheduled for XX/XX/XXXX at XXXX XXXX, we were informed at XXXX XXXX on XX/XX/XXXX ( the day prior to closing ) of the requirement to not only pre-pay the entire remaining 30 months of a 36-month lease, but that we actually needed to purchase the car if we wanted to close the next morning giving us only 2 hours to withdraw over {$38000.00} in certified funds from our savings and drastically decrease our liquidity. Even with the short notice, we were able to get the {$38000.00} prior to the deadline and make it to closing the next morning with all necessary funds. The title company sent the payoff to XXXX XXXX XXXX for the payoff, however the check was returned with instructions that a car dealership had to facilitate the transaction. After speaking with the dealership, we were informed that there would be an additional {$4000.00} in taxes and dealer handling fees. We received this new information at the same time our current house went under contract which, once sold, would drastically change our debt to income ratio and remove this requirement.
Due to the material change, I contacted XXXX who said that she would discuss it with her superiors and let me know. I also requested to be put in contact with her supervisor, but was denied the request. After several days, XXXX let me know that there was nothing that could be done and, at my behest, put me in touch with her supervisor, XXXX XXXX. I spoke with XXXX XXXX on XX/XX/18 and recorded the conversation with her acknowledgement and permission. During this conversation, XXXX XXXX admitted that the situation was handled extremely poorly and that they would do everything they could to make it right. She stated she was working with management and legal counsel at Fairway in an effort to hold the loan until after the sale of our current residence ( closing scheduled for XX/XX/18 ) at which point, they would restructure the terms of the loan to remove the auto purchase requirement. She informed me that either herself or someone else at Fairway would be getting back to me within the next couple of days, however Fairway transferred the servicing of the loan the next business day ( XX/XX/18 ) and it has now been 6 weeks with no contact or response to several emails and a voicemail. XXXX XXXX with XXXX XXXX XXXX XXXX XXXX has also attempted to make contact and has been unsuccessful as well.
At this point, the title company has over {$38000.00} and Fairway has since sold the loan and refuses to return calls or emails. I am concerned that the conditions of the loan were not met and Fairway knowingly and fraudulently sold the loan putting the title at risk.
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| 03/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XX/XX/2020 Conventional loan ( with a renovation loan wrapped in ) sent to processing XX/XX/2020 Loan company receives appraisal on home XX/XX/2020 Loan sent to underwriting XX/XX/2020 Loan approved with goal date of closing on XX/XX/2020. Email from loan officer at XXXX XXXX stating " We are approved and our renovation team is going to be sending your initial closing disclosure later today. So we are well on track for closing on the XXXX. '' XX/XX/2020 Email from loan officer and/or team " initial closing disclosure '' at XXXX XXXX. Document does not have 20 % down, does not have seller 's credit of $ XXXX, and has PMI XX/XX/2020 Client emails loan officer regarding seller 's credit of $ XXXX not being shown XX/XX/2020 Client emails loan officer requesting 20 % down ( previously told via phone ) XX/XX/2020 Email from loan officer and/or team " change of circumstance closing disclosure '' at XXXX XXXX. " This document must be reviewed, e-signed and accepted by XXXX tonight. If you have any questions, please contact your Loan Officer directly. '' And " A delay in signature could require a change in your closing date ''. Loan officer contacted and not available via phone. Client felt pressured to sign to keep closing date of XX/XX/2020. Document did not include requested updates, i.e. 20 % down, seller 's credit, etc.
XX/XX/2020 Client emails loan officer and " customer care '' on separate emails to voice concerns re : repeated failure of loan officer to make necessary corrections to documents, the pressuring of signing incorrect documents with the potential of delaying closing. Client 's spouse cc 'd on both emails.
XX/XX/2020 Loan officer calls client at XXXX XXXX, apologizes and says the next document will have the updated changes XX/XX/2020 Loan officer asked to reply to all from " customer care '' regarding complaint at XXXX XXXX, however, loan officer does not include client on email as requested by " customer care ''. In his reply, the loan officer indicated the borrower is " skiddish ''. The loan officer 's " customer care '' team closed the ticket " with the information [ the loan officer ] provided '', including " Once I [ the loan officer ] explained everything he calmed down and we are good ''. The client wasn't included on the email to contest or counter the loan officer 's repeated failures of a " smooth loan process ''. It was later discovered on XX/XX/2020 that the client 's spouse received the email from the " customer care '' and loan officer.
XX/XX/2020 Loan officer emails client at XXXX XXXX, and states that the underwriter added as a condition after reviewing the appraisal ( XX/XX/2020 ) that " both bathrooms '' be in working order - 5 business days before closing XX/XX/2020 Email from loan officer and/or team " change of circumstance closing disclosure '' at XXXX XXXX. Document still contained errors, including the addition of mortgage insurance. Loan officer notified of error via email, and replied at XXXX XXXX that " I can confirm you will not have MI and that it is not currently in the file ''. However, client still signs incorrect document to keep closing date of XX/XX/2020 XX/XX/2020 ( Saturday ) Email from loan officer at XXXX XXXX that " the other two bathrooms be brought to a functioning condition '', and that the " reno [ vation ] desk reached out to [ the ] contractor yesterday '' which was estimated to cost the client an additional $ XXXX - 4 days before closing
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| 05/10/2021 |
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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On XX/XX/2021, I engaged with XXXX XXXX ( NMLS # XXXX / NMLS # XXXX ) of XXXX XXXX regarding XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX which is the address for a property I am interested in purchasing. I was referred to XXXX by an onsite sales agent and in fact XXXX contacted me before I had an opportunity to reach out to her.
The information I am submitting is an allegation of XXXX steering, redlining, and lending discrimination. Further investigation may be needed to validate this allegation. I think that it is also important to note that I am a Certified XXXX XXXX XXXX and have a compliance risk management background. I am very much aware that a mortgage broker is not allowed to discourage applicants from buying in certain areas or a certain property and that is exactly what XXXX did XX/XX/2021. ( I will refer to XXXX as she/her throughout the remainder of this document ) I submitted my application and supporting documentation directly to her as she sent me a link to download an app for information sharing. Following the submission of my documentation, XXXX and I had a conversation and she told me that unfortunately she could not approve me for this property because XXXX would not approve me. She mention that only XXXX performed lending for this housing project and that no other XXXX ( XXXX, FHA ) will back loans in this neighborhood at the time.
I inquired further as to the specific reasons my credit file was not approved and she told me that my credit looks great but that it was something going on with XXXX and she did not understand why she could not get it approved. She mentioned that XXXX did not provide a reason. She also told me that no other lender would be able to get me approved through XXXX for that property just in case I was thinking about applying for loan for that property through another lender.
She mentioned that she sent it to manual underwriting and her underwriter would not approve. She stressed that my credit was good and that she would be more than happy to lend to me anywhere but she can not help me with this particular property.
She proceeded to tell me that maybe we can revisit getting me approved for that property once they get more buyers in the neighborhood because the property values are slated for growth. She mentioned that she already had one closing XX/XX/2021 and if they can get more they will be able to start the next phase and get me in but in the meantime shop around and she will be willing to lend to me elsewhere.
Knowing that this was the very textbook definition of steering I continued to probe further hoping that there was some other plausible explanation. She provided an analogy : Think of it as trying to buy a pair of shorts from XXXX XXXX in the Winter time. You may find something but it wont be exactly what you want.
She offered something else Most people dont believe this but I believe the housing market does exactly what it is supposed to do. This was not for you but something is and you will get exactly what is for you She never offered any legal explanation for denial other than she could not understand why XXXX XXXX would not accept my loan and her above philosophy and analogy.
Because I did not trust XXXX, I reached out to a lender I used for my current home and he was able to get me approved through XXXX for the above property.
I would like an auditable explanation for denial for the above property with supporting documentation.
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| 06/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We purchased our home on XX/XX/XXXX and used Fairway MC to service the loan. Fairway transferred the loan to XXXX XXXX. XXXX XXXX took over servicing the account in late XXXX or XX/XX/XXXX. Please see document XXXX, which shows a new loan effective date of XX/XX/XXXX and an escrow payment of {$920.00} with an effective date of XX/XX/XXXX with a transfer date of XX/XX/XXXX. Hence the confusion of late XXXX or XX/XX/XXXX. The taxes were due XX/XX/XXXX. Please see document XXXX attached. The taxes owed if paid on that date would be {$5900.00} ( 3 % discount ). I closed my re-fiance of my home with the VA XXXX XXXX XXXX on XX/XX/XXXX. To my dismay, during this closing time period, it was told to me that our taxes for the home had not been paid for XXXX. I called XXXX in late XX/XX/XXXX to confirm that they had not been paid, though there was ample funding in the escrow account. They could not confirm it over the phone, but said I would have to email them ( XXXX ). As the date I was closing on my re-finance was imminent, I could not afford to wait for a response via email. I was told to send them the information and await a refund. At closing, I confirmed the taxes owed were {$6400.00} including a late fee of {$240.00}. Please see document SEC-PO-Taxes good to XXXX. I paid this amount on top of my closing costs. Please see attached check from the title company and a statement that my taxes have been paid in full for XXXX. I feel that the late fees and loss of discount on the taxes should be covered by XXXX. I am owed the difference of what I paid {$6400.00} and what should have been paid {$5900.00} on XX/XX/XXXX for a total of {$430.00}. XXXX should have paid my taxes in XX/XX/XXXX when they took over the account, because of this, I lost the discount for paying for the taxes and I had to pay late fees on the owed taxes. I emailed this demand to XXXX XXXX on XX/XX/XXXX. They responded on XX/XX/XXXX, stating that because they did not have 30 days notice to pay the taxes, the taxes should have been paid by the previous servicer Fairway. I contacted Fairway ( servicing@fairwaymc.com ) on XX/XX/XXXX. On XX/XX/XXXX, they responded saying that when the loan was transferred, it should have been paid by the new servicer. On XX/XX/XXXX, I requested the documentation that XXXX XXXX used to make their decision. Basically I just want to see the regulation or law that says they should be allowed a 30 day leeway as they seem to believe they get and Fairway disagrees. I have not received a response and am now filing a complaint on XX/XX/XXXX ( complaint numberXXXX ). I was told on XX/XX/XXXX by CFPB that I would need to file a separate complaint to Fairway MC. So I am filing this one today. They should be linked, as only one remedy is necessary. So here we are with two servicers pointing fingers at each other and no remedy for me. I reviewed the regulations and the federal law, which brought me to you. 12 CFR 1024.34 ( a ) says that the servicer shall make payments from the escrow in a timely manner to avoid a penalty. This seems to indicate that since XXXX XXXX was the servicer when the taxes were due, they should have made the payment. There does not seem to be a courtesy of 30 days from when taxes are due. The regulation seems clear. See also 12 U.S.C. 2605 ( g ) " the servicer shall make payments from the escrow account for such taxes ... ''
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| 09/30/2020 |
Yes |
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Web |
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My fianc and I are first time home buyers and we were very excited about purchasing a home. We were contacted by Fairway Independent Mortgage based in XXXX XXXX, Kansas after submitting an application through XXXX on XXXX XXXX 2020. Our lender, XXXX XXXX, called us and was thrilled about helping us as we were. We submitted all of our information to XXXX and I also informed him that I was currently unemployed and have been for the past 9 months, however, I was going back to my old job and starting on XXXX XXXX. He told us that was no problem and that I only needed an Offer Letter from my company, which they gladly sent us. After calling our lender several times, I wanted to be assured that everything was going ok and I also informed him that we were looking for a house as we wanted to move out of our house quickly. He assured us, again, that it would be no problem and that we could look for a house. He sent us pre-approvals to go look for homes. We finally found a home that we were so excited about. Everything about it was perfect. We informed XXXX that we found a house and he was excited for us as well. We put an earnest check of {$1000.00} and also paid for inspector to inspect the house for {$430.00}. Before the inspection, I was emailed by XXXX and was told that we are currently going through an underwriter. Since we are new home buyers, I didn't know what an underwriter was. After googling what an underwriter was, I was in a bit of a panic and called our lender. I told him how I was very nervous about the underwriter. XXXX informed us on XX/XX/XXXX and said that everything would be ok and that we have already went through an automated underwriter and that the actual underwriter is just going through our information making sure the i 's have been dotted and the t 's have been crossed and that we are in good shape. He also said our credit score was fine and we didn't have a lot of debt either. After hearing this from our lender, we proceeded with an inspector on XX/XX/XXXX and paid the inspector {$430.00} that very same day. On XX/XX/XXXX, I get an email from our lender explaining to us that the underwriter might decline us because of my credit score and the unemployment gap. I was confused because this should have been informed to me in the very beginning since I informed XXXX about my unemployment gap. We already signed a contract with the sellers and also Fairway. I was given a break down of my loan estimate and everything seemed to go well that is until XXXX told us about what the underwriter said. He called me and told us that we were declined because my unemployment gap and also have a low credit score that wasn't FHA approved. Thankfully, the sellers had compassion and signed the cancellation contract for the house and gave us our earnest check back. However, we lost {$430.00} due to a lender not doing his job correctly. Had he informed us first about my credit score and also making sure that my unemployment gap wouldn't be an issue, we would have not looked for a home and spent {$430.00} for an inspection. He should have told us to wait until everything had came back ok and then look for a home or better yet, he should have made sure my credit score was FHA approved and also inform me that my unemployment gap would be an issue. He gave us false hope and we lost {$430.00} due to his negligence.
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| 04/22/2021 |
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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We made an application for refinancing our home through Fairway Independent Mortgage The XXXX XXXX XXXX with XXXX XXXX, Mortgage Planner NMLS # XXXX on XX/XX/XXXX.
All documentation was supplied that was requested. I was informed that closing would happen on XX/XX/XXXX. I was in Florida the weekend prior and cut my vacation short to be home for the closing, which did not happen.
On XX/XX/XXXX I was told that I would need a letter of distribution, in an email from XXXX : So the easiest way to get your loan approved would be a letter from your financial advisor setting up a distribution as follows : - XXXX XXXX XXXX XXXX IRA XXXX - $ XXXX/month distribution - XXXX XXXX XXXX XXXX and XXXX - $ XXXX/month This will be enough to keep the loan approved and make it work.
A personal withdrawal plan was set up at the time I received his message, for the above amount but it would take 2-3 weeks to have it processed through XXXX. A letter of documentation was provided to XXXX on XX/XX/XXXX via text message.. His last communication with me was XX/XX/XXXX, after which he stopped returning all calls, emails and text messages.
On XX/XX/XXXX, I was told that I would need a letter of unrestricted access to a joint account which was completed through docusign.
His colleague, XXXX XXXX, Loan Officer NMLS # XXXX sent one last e-mail on XX/XX/XXXX, after all documentation had been received stating " I will be sure to follow up with you as soon as I have an update or by mid-week at the latest. My apologies for the delay in response, I will ensure I stay firm to my commitment '' and that was the last I heard from him. He, too, stopped responding to all forms of communication - text, email and phone calls.
I received a letter of denial from the company on XX/XX/XXXX stating my income could not be confirmed, despite the fact that I did provide exactly what they said was necessary to keep the loan approved and make it work according to XXXX. I continue to receive a " weekly update '' from the company, which notably, still does not have a date noted for lock in, nor does it have a date for submission to underwriting.
I would like to note that we repeatedly asked if we had everything we needed for the loan to go through and each time we were assured that we did ... until they then needed documentation of unrestricted access to the joint account, which was provided, then confirmation of distribution, which again was provided after multiple assurances that they had everything necessary for the loan to be approved.
I feel that this whole process was managed in an extremely unprofessional manner. And I have no way of knowing if underwriting ever did get the documentation that I provided to XXXX. I feel extremely unsettled that anyone with the full knowledge of all of my finances treated me this way.
Since I received no further response to my repeated attempts to communicate with either loan officer/processor after XX/XX/XXXX, as rates continued to rise and I could get no response from XXXX or XXXX after three weeks, on XX/XX/XXXX, I reached out to another company, and began the application process anew, however, I had supposedly a locked in rate of 2.75 % with Fairway ( with whom I had processed my previous 4 loans ) and by this time, the best rate I can get is 3.1 %.
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| 06/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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I'm in the process of buying a home and I saw a home I was interested in. I was then connected to a realtor, who's name I choose to keep confidential here for now. She introduced me to XXXX XXXX who asked me to provide my credentials to receive a pre-approval for a home. I explained to XXXX that I was private, she assured me that using the social was the only way to purchase a home. I told her I would like to use my exemption. XXXX used my social and pulled my credit. I was not even sure about the home at the time and was still looking. I noticed a pull on my credit and wondered why when we were not even done with the application process nor looking for the desired home. Next thing I know I get a letter in the mail stating congratulations on my prequalification approval for over {$400000.00}. I had moved on to an offer on another home I saw, with the same realtor, because I decided to make an offer on another home, and she told me I didn't need XXXX with the way I was trying to purchase. I sent in an offer to Fairway Coporate office for XXXX because the home I was interested in was more of what I was looking for. I explained in my offer letter that it must have been a misunderstanding from XXXX since she used my credit, and I wanted to do the offer with the CFO of the company. I was sure this was the way to present my offer. I sent a negotiable cashier check in the mail registered, to the corporate office. NO one responded. I did this between XXXX and the CFO for about a month. XXXX sent me in connection with the attorney who handles the affairs of the company by the name of XXXX XXXX who told me she would be responding instead of XXXX. My last letter from XXXX was returned. I requested I requested XXXX 's credentials and she refused ; I also sent her my credentials. I found hers online. I later again tried reaching out to XXXX Who is the CFO of the company in whom the check was registered to. No response. Last letter returned. I tried to find someone to report this matter to and a representative by the name of XXXX XXXX was gracious enough to help move the matter forward right back to XXXX. I then since receiving her credentials, told her about the matter and she said to me, " You know better than to solicit the office with those documents, when the documents clearly say, if it were not possible to return them within 3 days untorn or used or it would be considered used by the CFO or company. I never received any response from the offer. I tried explaining to the said Attorney and nothing was accomplished by the methods used. I am submitting this complaint based on facts. I will present all evidence needed to have my securities returned to me, used for the purpose sent out, or repaid to me, because according to Federal Reserve XXXX Notes, securities can be sold along with the application at the federal reserve, and according to XXXX XXXX 1933 we are still in bankruptcy, along with public law XXXX XXXX, XXXX, XXXX stat and the Bills of Exchange Act, along with my credentials I am able to make presentments. I will seek out all methods before taking further actions to receive the justice I deserve. A police report was filed on missing securities.
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| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We applied for a modification in XX/XX/XXXX that was ultimately denied in February 2020. They stated our mortgage was ineligible due to MA Chapter 194 35B and before we could appeal, COVID hit and we entered COVID forbearance. Our COVID forbearance ended on October 1. We have been speaking with Fairway and our ( yet another new ) single point of contact on our options. We had been hoping to utilize the COVID mortgage modifications but were told that because we were considered in arrears when we entered the COVID forbearance, that our loan is ineligible for those specific options. We were also told that despite our D : I ratio being vastly different now post-bankruptcy, the loan is still ineligible for modification due to the Certain Mortgage Loan Law dictating that the ineligibility happens at the time of lending.
Initially, Fairway told us that unless we can come up with over {$80000.00} on XX/XX/XXXX, our only options were a short sale, deed-in-lieu, or foreclosure. They were pushing us towards a fast-track short sale and encouraging us to speak with real estate agents. We repeatedly told them that we wanted to stay in the home, that we make decent money, that we did not want to have to pull our child out of kindergarten mid-year, that we did not understand how we could not possibly stay in the home.
After repeatedly pushing back on the reasons we were supposedly ineligible ( even going so far as to supply them with direct links to Fairway to XXXX XXXX lender letter XXXX outlining our options ), they finally admitted our loan WAS eligible, that the original interpretation of the MA Chapter was incorrect, that we were in fact eligible for the COVID19 options, and offered us a Flex Modification of 2.875 % for 480mos and a trial payment plan that starts in XX/XX/XXXX.
However, given that our ORIGINAL modification application submitted pre-COVID was incorrectly denied and the flex modification they are offering us now adds almost {$60000.00} to our principal from interest accruing at 5.49 %, we asked them to correct their error and backdate our interest rate to our original modification application, reduce the outstanding interest accordingly, and recalculate the TPP. Then we would proceed with the flex modification and revised TPP starting in XX/XX/XXXX.
They have refused and ambiguously state that they can not do it because our original modification was denied and seem deaf to us stating it was INCORRECTLY DENIED DUE TO NO FAULT OF OUR OWN BUT AN ERROR ON THEIR PART.
They have also sent us letters stating they cant get a hold of us despite our regular contact ( both over email and phone ), we have not received the proper documentation for a right to cure, they seem to be skipping the steps they are legally required to make, can not get their stories straight, and at this point it feels like we are being pushed into paying usury interest upon threat of losing our home. I have spent countless hours on this that I simply do not have to spare and have been under immense stress from the whole ordeal that is approaching tort territory. We need help and I dont know where to find it.
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| 08/10/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied originally for refinance in XXXX and was told the credit requirements. Weeks later credit requirements changed and I was postponed and recommended I pay a couple of items off. After jumping through all the hoops to get my credit to where they needed it to be in XXXX, I was told I would have a closing disclosure by XX/XX/XXXX. I cant recall what delayed the closing that time, but in XXXX I completed a XXXX withdrawal to pay off a debt at their recommendation. They recorded it incorrectly so I had to ask a family member to borrow {$2500.00} mid XXXX so it would look like the XXXX money was in my savings because they incorrectly recorded it that way instead of being used to payoff debt. I was assured this would allow me to close, this time no later than mid XXXX. They decided to switch me from conventional to FHA a few times, and I wasnt really given a good reason other than this would be a better deal for me and I was told most recently we would definitely close in XXXX. Local office staff members XXXX and XXXX admitted these mistakes in late XXXX and have apologized, assuring me they would be in a position by XXXX to request my loan be rushed to close in XXXX and could be closed by XX/XX/XXXX if approved. They offered me the end of last week around {$2000.00} as pain and suffering ( their offer, their words, not mine ) per XXXX XXXX regional manager and but that the rush was denied and it would now be XXXX before we could close. I asked to speak with XXXX XXXX for an explanation of why we can not expedite the loan closing at this point. Today, XX/XX/XXXX, XXXX XXXX was very condescending and disrespectful blaming my credit for the delays on closing and again offering almost {$2000.00} to make it right as an olive branch but he called me rude and angry, neither of which are true. After almost an hour and him apologizing for his initial tone with me, I agreed to the terms of closing the loan in XXXX and accepting the money offered to make the mistakes right. When I asked for this in writing because in the past few months so many promises had been made only to be broken and have people deny they made them to begin with, he agreed then said instead he was going to transfer my mortgage and not providing the payment offered previously. I expressed a desire to keep our arrangements to avoid the need of starting over completely once again and he refused. I asked if I could speak with his superior or CEO he refused and hung up on me. I am now forced to start the entire process over from the start after waiting almost 6 months to refinance with them. I am a widowed woman with children, working in XXXXealthcare during a worldwide pandemic and this entire process has put undue financial burden and added stress on me. If they did not wish to work with me due to my unattractive credit which was what XXXX blamed for the delays, they should have admitted that and referred me to a lender who could and would help me.
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| 04/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Older American |
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I XXXX from XXXX on XXXX XXXX, 2015 after 26 years of employment.
Prior to our retirement, my wife and I decided to buy a home in the state of Georgia.
In preparation, we saved more than XXXX % for down payment on a {$310000.00} house. We both have excellent credit ( FICO scores ranging from XXXX-XXXX ), my wife receives {$2000.00} monthly Social Security payment ; I receive bi-weekly compensation of XXXX. In addition, we have a combined XXXX in 401K, and I will get an annual pension of at least {$31000.00} starting on XXXX 2015.
Now that we are in the process of getting a mortgage, lenders are advising me that they can not use my current compensation as income due to XXXX regulations which require income for three years. When I advised them that I will have a pension in XXXX, following the termination of my compensation, in XXXX, they said that I have to show an actual pension check.
Here is the situation, during my years of service with XXXX, I accrued more than 500 hours of XXXX, and over 1200 hours of XXXX of which I will be compensated for XXXX. Unlike management employees, XXXX does not pay a lump sum to its union employees for accrued leave at separation. Instead, I will remain on the payroll until XXXX XXXX, 2015 when both XXXX and XXXX are exhausted, at which time my pension will start.
To satisfy the XXXX : XXXX : Other Sources of Income ( XXXX/XXXX/2015 ) Verification of Retirement and Pension Income : Document regular and continued receipt of the income, as verified by letters from the organizations providing the income, I provided the lenders with a copy of the letter from XXXX ( XXXX XXXX XXXX XXXX ) advising that my hypothetical retirement date is XXXX XXXX, 2015, at which time I will begin to receive my pension distribution of no less that {$31000.00} per year, depending on the option I chose.
The mortgage product that we are seeking is a 15 year fixed, with XXXX % down payment. Instead, XXXX lenders, using the XXXX regulations, advise that they can only provide a 30 year fixed mortgage to us since my current income, which will end XXXX XXXX, 2015, and my pension income which will start in XXXX 2015, can not be used. A XXXX lender is willing to use my pension income to give us a 15 year fixed, the product that we want.
This leaves us with doubts about the whole mortgage financing system. We now wonder which lender is right. Or is the Fannie Mae regulation being misinterpreted. We can not understand how a person who has excellent credit, more than a XXXX % down payment, who worked for 26 years with the same employer, and who will receive a pension be denied the mortgage product of choice. Please, someone help us understand this.
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| 06/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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During XXXX, I was granted a forbearance plan by my mortgage lender, Fairway Mortgage Corporation. This was in response to my inability to maintain my flex modification granted by the company in late XXXX. I had previously lost my job and faced a few large expenses. Fairway allowed a six month forbearance that expired in XX/XX/XXXX. At this time, I was told that I was unable to make any partial payments to reduce my overdue balance, and that I could apply for a new modification, which I did.
In XX/XX/XXXX, my relationship manager, XXXX XXXX, began requesting various documents from me to understand my hardship, as well as a formal application for the modification, which I submitted. Over the next seven months, through today, XX/XX/XXXX, XXXX occasionally asked me for documents such as paystubs, bank statements, bills from large expenses, and a separation letter from the employer where I lost my job. XXXX was sometimes very delinquent in responding to my emails, while I was prompt in giving her the requested information. At one point in XX/XX/XXXX, she asked me to reapply for the same modification, giving no reason for it, and basically making the previous months ' worth of documentation irrelevant. On XX/XX/XXXX, XXXX emailed me saying that Fairway can approve me for a new flex modification, I accepted, and she said they would get started working on it. On XX/XX/XXXX, I received an email from XXXX saying this was not the case, and that she actually intended to say it was still under review, and that as of XX/XX/XXXX it was denied. The denial reason given was because my original flex modification payments from XXXX had fallen behind by more than 60 days, and that my only options were making a one time payment of the balance, nearly {$20000.00}, or liquidation.
During this seven months, Fairway did not allow me to make any partial payments, and instead forced me to wait for a decision, one that took seven months. My overdue balance went from around {$11000.00} in XX/XX/XXXX to nearly {$20000.00} in XX/XX/XXXX, making this an impossible option. Again, during that time, Fairway would not allow me to partially reduce the balance. Also during this time, I could not reach the loss mitigation department over the phone, only being promised callbacks within 5-7 business days, which usually never came. There was never a supervisor available either. The only representatives available said they could not handle my loan, and were often just in the collections department.
I am now left with two unacceptable options, and this is because of the lack of accountability for my relationship manager, XXXX XXXX and Fairway 's policies overall.
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| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I called Fairway Independent Mortgage Company to inform them that we were filing bankruptcy and that we were going to do a reaffirmation of mortgage with them. We never missed a payment with them and were current with our mortgage payments. On XX/XX/XXXX, the reaffirmation was docketed with the courts. We paid the lawyer, paid the courts and then got a bill from Fairway aka XXXX for our XX/XX/XXXX. bill that we owed {$120.00} for their legal fees. I inquired about this several times, but not one person would speak to me about this. They referred me to their attorneys who also would not speak to me. Paid the {$120.00} on XX/XX/XXXX -- then saw another {$120.00} added to our billing statement for XX/XX/XXXX. I called and they said we owed {$140.00} now, They could not account for the extra {$15.00} or now another {$120.00}. We were NEVER billed for anything but the original {$120.00}. I spoke to a supervisor today who informed me that we were billed for more legal fees in XX/XX/XXXX. I asked her if this was going to happen every month and she did not know. I asked her why we got no billing statement about the extra {$140.00} and she did not know. I filed a dispute with their company, but I am sure nothing will happen with that. I feel completely discriminated against by Fairway because we filed bk and because we got the reaffirmation agreement. I want to know why we are being gouged for more money when we paid the {$120.00} that we were billed for. How can they continually add on more fees without telling us what they are for?
copy of email from Fairway : Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.
Subject First of all, our bankruptcy has been discharged and we have a reaffirmation ...
Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) RE : Loan Number : Dear Borrower, Thank you for your recent inquiry regarding your loan. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused.
Please be advised the payment in the amount of {$120.00} was processed on XX/XX/XXXX.
If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat, send a secure message by selecting Ask a Question.
Thank you for providing us with the opportunity to assist you.
Sincerely, XXXX XXXX E-mail Support Representative
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| 07/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The payment servicing site for the company in question ( https : //www.fairwayindependentmc.com ) does not let you set up auto-payment but only lets you do one-time payment every month.
( 1 ) That is a complaint in itself.
But on XX/XX/30 XXXX I entered the site to create immediate payment. It first let me pick earliest as XXXX. So I scheduled a payment. And then it allowed to create one for XXXX. So I created the needed payment ( XXXX ). But the site does not let you cancel online - So I called the customer service to ask to cancel the later payment. They assured me that it has been canceled ( 2 ) But it was not, and I was deducted twice that month ( XXXX ). That is compliant # 2 against the company whereby the customer service representatives are relaying false information on the phone. I was close to overdrawing my bank account and narrowly escaped those fees.
Then instead of receiving a statement for XXXX which would show the above statements and if the money went towards principal. Instead I received a " Notice of Sale '' whereby only the new processing company was noted " XXXX XXXX '' without information on loan principal transferred or loan terms or any relevant information.
( 3 ) Complaint # 3 and final strike is when I called in to get the XXXX Statement and to ask the principal and where my last payment is. ( Had to call in because the site would not let me see the notices online. There is a link to see the notices but it would not load ever ) The customer agent could only send me XXXX statement and no payment history records for the 2 payments that were made in XXXX. I have proof with my bank that Fairway got both the payments. The agent phone call went on for 30 minutes, with no resolution to the simple question if I could be given document stating the loan amount transferred to XXXX XXXX. And no record of payment history with Fairway could be furnished. In addition, the agent stated that the additional payment has been sent to XXXX ... without any proof. XXXX site does not even recognize the loan number provided to me to check.
I understand the loan transfer / resale .. and have been through many of them. But not providing adequate information is unfair. In addition, not providing easy access to payment and billing information to our own information could be the cause for people falling behind or just missing payments and having to deal with credit impact - when the companies are just not making it easy for us.
I would be happy to provide any more information regarding this case.
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| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased a home on XX/XX/XXXX. We worked with Fairway Independent Mortgage Corporation. They failed to include an accurate estimation of our taxes in our escrow payment that has resulted in a XXXX shortage to our escrow account that will raise our mortgage by {$600.00} a month.
The Dodd Frank Act provided some level of clarity in that this estimation is now required by creditors for property taxes based on the taxable assessed value of the real property securing the transaction after the consummation of the transaction.
This avoids a potential pitfall where the initial escrow deposits only reflect a lower assessed tax bill based solely on the value of the land. Disclosure provisions also provide the consumer with notification that the amount of escrows may increase. The expectation from the Consumer Financial Protection Bureau is that lenders and servicers determine the proper method for computing the estimated taxes. Availability of data to compute such estimates can vary by state as well as locality. Generally, estimates can be based on like properties that have been assessed if that information is available. Otherwise, 1 % to 5 % of the purchase price can be a reliable estimate.
The importance of communication with the consumer can not be overstated. In addition to the required disclosures, the lender should ensure that guidelines include informing consumers that their payment will increase upon full assessment and that an escrow overage may be sent to them if the reassessment does not occur by the time they receive their first escrow analysis.
Based on this information, I think it is clear that I was not provided the accurate estimations, information, disclosures, and warnings about my improperly funded escrow payment. No one ever explained to us that our payment was insufficient to properly fund the escrow. This has put me in a situation where I own a home with a mortgage payment {$600.00} above the budget I explicitly communicated to the lender. It sounds like there are very specific regulations in place to protect the consumer so that this exact thing does not happen. I have reached out to Fairway Mortgage on XX/XX/XXXX the day I received notice of an escrow shortage.I am waiting to hear back about how they will fix this but have not as of yet.
XXXX XXXX
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| 05/11/2021 |
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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Issue : Property taxes not paid from Escrow account for 2020 and now I'm having to pay out of pocket with interest and payment processing fees.
Tax & Insurance were to be escrowed and paid by Mortgage Servicer per the signed contract and Final Closing Disclosure signed by borrower. Lender and Title company were notified XX/XX/2020 by borrower of errors after closing when Title company did not pay correct cash due to borrower per Final CD. Title company advised borrower that an amended closing disclosure was generated the morning of closing and should have been provided to borrower at that time. However, borrower was not provided an amended closing disclosure on day of closing or ever signed agreeing the amendment. Lender advised Title company this amended closing disclosure was not valid and the original closing disclosure signed and provided by borrower were to be the terms of the loan. I was advised by Lender that Title company errored and Title company disbursed difference in owed amount after Lender told them they could not amend the mortgage documents from what was signed at closing in accordance to signed Final CD.
Additionally, borrower believes mortgage was created & sold with the details listed in the invalid amended closing disclosure as the Servicer of the loan confirmed to borrower that they were instructed not to make tax payment per the Initial Escrow Closing Disclosure. However, the signed and agreed Escrow Closing Disclosure shows that taxes were to be escrowed and paid by servicer while the amended invalid Closing Disclosure the Title company sent borrower did not show the loan as being escrowed and believed to be the source of this newly discovered error. Furthermore, borrower is concerned mortgage was generated with invalid amended terms as Title company requested borrower sign QuitClaim Deed after closing in apparent attempt to correct the mistakes made in names.
Lender- Fairway Independent Mortgage Corporation DBA XXXX ( XXXX XXXX XXXX Ct XXXX XXXX TX XXXX ) Title- XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ) Initial Loan Servicer when taxes were due from escrow- XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX )
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| 09/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP.
My loan was then sold to XXXX.
After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway.
After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.
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| 04/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Around XXXX XXXX I started sending in required documents to XXXX XXXX of Fairway Mortgage company after our offer was accepted on our new home. We usually sent him everything he requested within a few hours each time. Later in the process we started asking if they had a close date in mind since the house I was renting now had a contract on it and they would be closing XXXX XXXX, we had to close before them. From the very beginning we asked for XXXX XXXX and constantly reminded them XXXX XXXX was rapidly approaching. We were never told XXXX XXXX was impossible. XXXX XXXX I 'd put a comment on a social media about how they are not keeping us updated on the progress of our loan and keeping us in the dark. A friend had recently closed with them and it was a great and fast experience. She gave me a few names from corporate headquarters to call for help, which I did. They corporate people were shocked and the lack of information they could obtain on our loan, they were trying to help expedite it because XXXX XXXX was the following week. I was told that the particular branch of Fairway I 'd chosen was having personnel problems and some loan officers had left and one was on medical leave so all of the loans had to be routed to corporate for processing. We checked with these ladies almost every day and did n't end up closing until XXXX XXXX and even up to the day before at XXXX pm, XXXX Mortgage was asking for paperwork proving my boyfriend had paid a boat off with one credit union and the other credit union used the funds to pay off such boat! Bottom line we did n't close until XXXX XXXX, had to hire movers ( {$750.00} worth ) to move us because we did n't close until XXXX and the house we were moving out of closed the next day, so we had only hours to get our belongings out of the house. The XXXX and hard spots this company put us through was a nightmare. We were kept in the dark through the whole long process and Fairway was made aware from the beginning that the house we were occupying had a contract on it and we had to close and vacate prior to their closing date of XXXX XXXX. Worse house buying experience I 've EVER had.
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| 03/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I have never been so humiliated and disgusted with any housing business as I am with Fairway Independent Mortgage Corporation at this moment. The XXXX TX branch have one of the nastiest and hateful persons working on loans right now and it makes no sense. I closed my loan with Fairway in XX/XX/2016 and they sold it to a bank, fine no big deal. My monthly payment did not change. Last week I receive notice from the bank that my escrow was short almost {$900.00}, so I call the bank and they tell me that some taxes were not inclusive in the escrow. I call this lady XXXX at Fairway to get some assistance with this because I am confused. I have owned XXXX homes and never has an escrow account be so out of balance and it did not make sense. She was nasty from the start, not trying to hear what I had to say. I asked her to call the bank because they had two separate stories ands told me that was above her job description and she was not going to call the bank. At this point I am telling her how unprofessional she is acting and just forward me documentation of what she was saying. She hung up on me. Then I emailed the guy who actually did my loan and I cc 'd her explaining everything to him. She responds, thinking she is sending the email to him, but accidentally sent it to me calling me " XXXX '' I respond telling her she sent that to me and calling me out of my name was not only unprofessional, but not to be tolerated. She never even apologized for getting caught doing something this unprofessional. She then later emails me in response telling me " if I had any kind of decency, I would not have emailed her manager since he was just out of XXXX. '' I had no idea he was in XXXX as he emailed me this weekend in response to my question regarding this. XXXX is the most unprofessional, rudest, insensitive person I have met at this company and shame on you # Fairwayindependentmortgagecorporation for allowing a person with such a nasty attitude to have access to clients. Is this what you think of your business practices? With this being sad, anyone who chooses to use this company, asking for XXXX is a HUGE risk.
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| 08/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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The original loan was approved for an exit out of a construction loan in XX/XX/XXXX. Going into the final re-finance of the loan, 5 months later, the appraisal based on plans was reduced by nearly {$80000.00} in a market that is increasing in value or at worst holding stable, but far from devaluing. The mortgage lender approved the loan using stated incomes and the associated documentation, as of closing 5 months later, the mortgage lender disallowed substantial portions of the income that were original approved without rational other than blaming the unseen/unknown " underwriter ''. Subsequently, the mortgage broker has been demanding that massive amounts of additional documentation be provided to get the loan closed, including financial statements from third parties to the loan as they were compelled to participate due to the ongoing changes perpetuated by the mortgage broker. The third party justifiably refuses to release personal financial information beyond certify they did gift the money and producing a receipt for the transaction of the gift funds. Further, this loan should have closed 45 days ago, but has been drug onward at some expense to continue to hold rate locks while the market is falling on rates ... effectively paying to hold a a more expensive rate versus current market rates. This loan has yet to close and near as I can tell will not close due to the delay and hassle of the mortgage broker and his representatives.
This loan was approved in XX/XX/XXXX pending completion of construction based on the same documents provided 60 days ago and provided today. That information has not changed even if the ability to read XXXX and retirement statements compared with straight XXXX has miraculous been reinterpreted. Near as I can tell this out right fraud or bait and switch tactics that the law attempted to avoid with changes back in XX/XX/XXXX because its put me in the position of taking out a construction loan based on a guarantee/promise of a documented re-finance out, a promise now being broken.
Agent : XXXX XXXX ManagerNMLS # XXXX : XXXX XXXX XXXX XXXX, XXXX, ID XXXX
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| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator!
Here 's the Nono email : " Hi XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need!
Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my XXXX yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!
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| 07/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/21 Fairway Independent Mortgage sent a loan estimate for XXXX more than the loan estimate they sent on XX/XX/21. I was told it would get fixed but the lender would not answer my phone calls. He would only respond by text. I acquired a preapproval from another lender. I contacted Fairway on XX/XX/21 and notified them of what the other lender had offered. At this point we were 2 weeks away from close of escrow. On XX/XX/21 Fairway Mortgage called and said they were able to get our loan to 3.125 %. they got XXXX on the loan, our payments were going to be XXXX per month including XXXX fees and our cash to close would be XXXX XXXX we had already put down. Fairway Independent Mortgage employee XXXX XXXX called me on XX/XX/21 at XXXX and gave us this offer. At XXXX on XX/XX/21 I text XXXX XXXX to verify that the XXXX we had already deposited was to be subtracted from the XXXX he said yes. The loan estimate I received on XXXX higher then what XXXX XXXX had told me on the previous day. I was told he was aware and was working on getting it fixed. Then on XX/XX/21 at XXXX I received an email from XXXX XXXX at Fairway Independent mortgage. He said he was handling our loan since XXXX XXXX was on vacation. XXXX XXXX XXXX then told me that we would need to put another XXXX in cash to get the loan approved. XXXX XXXX XXXX also told me that the cash to close amount of XXXX included the XXXX deposit we had already put down. So the cash to close amount went from XXXX on Sun to XXXX on XXXX. Fairway Independent Mortgage said they knew their employee was giving out numbers that they were unwilling to uphold and did nothing about it. This gives us 1 week to get new funding for escrow. XXXX XXXX XXXX told me they would not honor their employee 's numbers. It feels like blackmail and they are forcing us to either pay the additional XXXX or move back our closing which costs us money and frustration to get everything else moved back.
I have saved all communications between Fairway and myself. Email and texts.
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| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I requested to have the escrow for taxes ( the only escrowed item ) removed from my account in XXXX, XXXX. I received the attached letter stating my request was not approved due to the original appraised value and my current LTV not being 80 % or less. Which is blatantly false. The original appraised value of my home at time of purchase was {>= $1,000,000}, making my current loan balance of {$890000.00} an LTV of 72.5 %. Fairway originated my mortgage so they have the original appraisal on file. The current appraised value ( valuation completed by Fairway to remove PMI ) is {>= $1,000,000}, bringing the current LTV to 71 %. I emailed Fairway about this to dispute the validity of the reason for requiring escrow and have to-date never received a reply. I have called twice, most recently on XX/XX/XXXX, and was told both times it is not possible to speak to a person in their escrow department who handles these requests and that my only option is to communicate via email. I emailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To-date, I have not received a response or a valid explanation as to why escrow for taxes is required.
Where I live, the taxes will go up every year so the escrow account will ALWAYS have a shortage and be in arrears. The current taxes are almost $ XXXX and there is no reason why I should be forced to spread this amount out monthly to pay into an account that I earn no interest on when I can better manage my money myself, and should I decide to do my own escrow I can earn almost 4 % return in a high yield savings account. Additionally, the approximately {$500.00} extra per month required for this escrow reports on my credit report and affects my t
otal DTI, which affects my ability to apply for other financing, etc. I do not want or need escrow for taxes. I do not escrow insurance or the HOA payment. There is no reason that I can see under federal or Wyoming law that Fairway can require this escrow account given my perfect payment history and low LTV.
Thank you
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| 11/23/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I was behind two months and was approved by Fairway to split the payments into 2-3 months, making my months payments larger to get caught up. After turning in all the paperwork and being approved I called well over 5 times trying to find out the status. I sent in payments due to never receiving a call back and trying to avoid any foreclosure on my home. The payments were returned. I then called again and was told by a representative that I was not approved to do this and they were not sure why I was told by the previous representative that this would be approved. I have sent in the requested paperwork to Fairway for a Loan Modification on XX/XX/2020 and over and over again but continue to get nowhere in this process. I had to reach out to a third party to help me get this issue taken care of. They have then run into the same issue that I have in the previous months. They are being told that they are not receiving the Faxed, uploaded and emailed information. I reached out to the 3rd party in hopes that they could help move this process along quicker but have had no success. I have sent in 4 payments of {$990.00} to this third party XXXX XXXX XXXX XXXX XXXX and have all the receipts. I have all emails saved pertaining to correspondences with XXXX XXXX and information sent to Fairway.
Fairway is impossible and every representative says the exact same thing, paperwork was not received. I recently sent in the requested information and even had an email confirmation that it was received. I called on Friday XX/XX/2020 and was told by the Fairway representative that the paperwork was not received and they have put a hold on my loan modification. I provided the email of the confirmation email received to the Fairway rep, he then pulled up the email and said this will be forwarded to the correct support specialist that was working on my account. This has been going on for well over 10 months and no progress has been made.
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| 08/11/2020 |
Yes |
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Web |
Older American, Servicemember |
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In early XX/XX/2020, I began to work with XXXX XXXX from XXXX XXXX.
I was suspicious that XXXX was charging me more than he'd stated during our phone conversations.
When I went to the closing at XXXX XXXX XXXX here in XXXX, I noted several inaccuracies on the form. When I called XXXX he suggested that I just sign the paperwork ... '' those things don't matter '' ... .. '' that's not the real cost ''.
I opted NOT to sign the paperwork. XXXX subsequently stated that he fixed the errors and sent a closing agent to my home at 2200hrs that night ... MUCH to My CHAGRIN!
I signed the closing paperwork under duress ... knowing that I had a 3 d right of refusal/the closing agent.
The next morning I did due diligence and both faxed and emailed the right of cancellation to XXXX XXXX and Fairway. They chose to ignore my right of cancellation.
PC to Mr. XXXX : " What do you think this is going to do to us XXXX? '' What do Want XXXX ... .Do you need attention XXXX , Is that what you want XXXX Attention ? ". At that point, I told XXXX that no one had the right to speak to me that way and I hung up the phone.
XXXX XXXX has contacted me several times and attempted to " bully '' me into agreeing to stay with Fairway ... .I simply said NO ... what you've done is ILLEGAL.
Fairway has continued to send me mortgage bills ... despite not having a legal document stating that I owe them anything.
They have adversely affected my credit rating. XXXX has told me that I can't obtain another mortgage company for 9 months because they funded my mortgage ... .Illegally.
Mortgage rates are in the mid 2 's currently. I refuse to stay with a company that's this corrupt.
I would like to respectfully request that my entire mortgage be forgiven. Fairway is CORRUPT. They acknowledge that they've broken a Federal Law.
Thank You for your time and for your consideration.
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| 09/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I applied for a budget drafting plan that would change the timing of my mortgage payments from one lump sum on the first of the month, to two payments every two weeks. I spoke on the phone with a customer service advisor from Fairway Independent Mortgage Co., who said that the budget plan would take some time to implement, and that I should make my mortgage payment online in full on XX/XX/XXXX. On XX/XX/XXXX, I submitted my full mortgage payment online.
On XX/XX/XXXX, I saw that the company had again charged me the full amount of the mortgage, then followed up on XX/XX/XXXX with a credit for the full amount. The company then charged me AGAIN on XX/XX/XXXX the full amount of the mortgage.
I received two overdraft charges during this week as a result.
I called the customer service line at the company, and spoke at length with a representative and then with a supervisor. They refused to refund the payment, saying that I had done so with their permission. The supervisor denied the XX/XX/XXXX charge on my account existed, and demanded I send him a copy of my bank records to a fax number he provided. He also said that at the earliest the company would be able to refund me at the end of XXXX, and that I should just go ahead and accept the charges.
Not only did the company charge me three times for the full amount of my mortgage and refuse to refund me, but they also charged me twice in one month for the full amount, versus what I signed up for - half every two weeks.
Also it is suspicious that the supervisor would ask to have a copy of the bank records, when the company was at fault, in order to process a refund that would apparently take over two weeks. Fairway Independent Mortgage is playing loosely with consumer finances, and will end up costing me hundreds in overdraft fees as a result of their incompetence.
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| 05/31/2021 |
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 initially worked with one lender until my realtor group highly recommended using XXXX XXXX at Fairway ( NMLS # XXXX ) due to many positive factors. ( XX/XX/2021 ) After talking to XXXX XXXX, he ensures that he could beat the deal that the other guys were offering and was " 2x '' faster than them in closing.
( XX/XX/2021 ) After him talking me into using his service, I started the application, ran my credit, and provide him with my personal information. Until today, I have not received a Pre-Approval Letter or Loan Estimate information. XXXX mentioned he gave the Approval Letter to my realtor, which is fine, but I have not seen any loan estimate 3-days after my approved application.
( XX/XX/2021 ) I have now started escrow and asked him to provide me an " Official Loan Estimate, '' and he is now asking me to obtain one from the other lender I was first working with. Since his group was the last company I was working with, I would expect them to be providing this information since I had already run my credit and provided all documents ( 20+ ) they requested. Now that I am asking for them to provide me a loan estimate that I have never received, he says, " I can move forward, yes. But the issue is- if I get moving full speed ahead and spend 6 hours putting things together and all that- and then navy comes back with a silly rate that I can't match- it's been a waste of all of our time, yours included. '' In reality, the " waste of time '' is working with XXXX XXXX that tricked me into working with him.
XXXX XXXX at Fairway ( NMLS # XXXX ) has provided me no communication or any further documents ( Pre-Approval Letter or Loan Estimates provided to the client by law ). I am now humbly asking for an " Offical Loan Estimate, '' and if I decide to continue business with Fairway, I would like another loan officer. Poor Service.
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| 04/07/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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It has come to my attention that FAIRWAY INDEPENDENT MORTGAGE COMPANY has stopped paying the insurance on my home. I have been told by my insurance company that I have 20 days to pay insurance on my home or my XXXX XXXX XXXX XXXX XXXX would be cancelled. The insurance has not been paid for two months now.
To my knowledge, there is an insurance agreement on every mortgage secured by the United States incase of default on the loan ( 7 CFR 1901.508ii ). The note given to FAIRWAY INDEPENDENT MORTGAGE upon closing of the home was to insure the security of the property. I do not believe the mortgage has fulfilled their obligations to the consumer. 31 U.S. Code 5118 - Gold clauses and consent to sue, specifically says that the note given was to be exchanged dollar for dollar payable in United States money. Which the company is to receive at the Treasury. I am unsure of what actions were taken and I request full account of the Principals account.
There is an escrow account. Created in the name of the consumer, XXXX XXXX XXXX XXXX. I know there is an escrow account because my insurance company has sent me an email, explaining to me that FAIRWAY MORTGAGE COMPANY escrows my premium. This is my second attempt to reach the company. Providing them with Delegation of Performance ; Assignment of Rights through the law of agency. As the owner of loan/account XXXX, I demand the release of my note and all interest incurred.
As the Principal, surety, creditor, and owner of that account, I have demanded that FAIRWAY INDEPENDENT MORTGAGE release the escrow account to me. I have given notice to the company and this CFPB complaint is to insure that the company receives this notice. I have had prior dealings with this company and this is the only way it seems to get a response.
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| 08/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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Senior Loan Officer XXXX XXXX Picked Up the Instrument at the Post Office on XX/XX/2023, XXXX XXXX, XXXX. As of now this Draft has been dishonored since Senior Loan Officer XXXX XXXX has willfully chooses to accept payment instruments and refused to provide payment for the consumer goods. We have contacted this person in good faith in regard to his duties to perform on our behalf on Wednesday XX/XX/XXXX, XXXX XXXX. This theft of payment and unethical business practices has caused us damages and we are entitled to immediate redress. We were then contacted by XXXX XXXX Corporate Counsel of Fairway Independent Mortgage Corporation which she chose to slander our reputations and person in regard to this consumer transaction. She then proceeded to give us legal advice which directly interfered with our unalienable rights of freedom and privacy as consumers. The response from this lawyer was on Wed, XX/XX/XXXX, XXXX in retaliation to our rights and email to XXXX XXXX XXXX This prohibited conduct by Fairway Independent Mortgage Corporation which is a Mortgage Banker company must comply with the law and be held liable for all damages to prevent any additional damages. Since there is no money, we can only take equity goods and services. Please be advised ignorance of the law is no excuse or defense. This is a public emergency where this has directly affected our living situation. The CFPB has a moral and legal obligation to uphold and enforce our rights. Thank you in advance.
Fairway Independent Mortgage Corporation has willfully and knowingly refused to comply with our unalienable rights and the UNIFORM COMMERCIAL CODE ARTICLE XXXX - NEGOTIABLE INSTRUMENTS which has caused us direct emotional and mental distress.
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| 11/12/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We used Fairway Independent Mortgage Corp. ( Fairway ) to purchase our home through their VA program as I am a XXXX Veteran. During the process of signing the mortgage paperwork, I asked our loan originator ( the person helping us with the application and our contact through out the entire process ) if we could make Bi-Monthly payments and for more than what the payment was ( additional principal ) to pay down our Mortgage. She told us yes we could and it could be set up online. I also asked her if our Mortgage would be sold, she advised us that although we were signing documents stating that it may be sold, that in fact no it wouldn't be sold. Less than 30 day after closing, before the XXXX payment was due, we were notified via phone by XXXX XXXX that they had purchased our loan. As of this date ( XX/XX/18 ) we have not received ANY written or verbal correspondence from Fairway, as required by law that they have sold our Mortgage to XXXX XXXX XXXX ( XXXX ). When attempting to set up Bi-Weekly payments and additional principal payments, XXXX XXXX advised me that they did not offer those options and that they would not apply additional principal payments until the next full payment was received, that funds would be held in a separate account. This option was very important to us and we were told that it was available to us, in addition, to have a re-amortization of our Mortgage, XXXX all charge us {$350.00}, there was no fee for this with Fairway. We did not agree to these terms and are forced to accept them due to the sale of our Mortgage. We feel that we were not treated fairly and lied to about this and it has affected the way that we wanted to pay our Mortgage and investment in our home.
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| 12/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American, Servicemember |
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APPLIED FOR A MORTGAGE LOAN XX/XX/2018 WITH XXXX XXXX OF FAIRWAY MORTGAGE. SHE PRESENTED HERSELF AS A BROKER, FOR MANY LENDERS.
SHE WAS UNAVAILABLE FOR PHONE CALLS, AND EMAILS WENT UNANSWERED. FINALLY 2 DAYS PRIOR TO THE CLOSING ON XX/XX/2018 SHE PRODUCED THE LOAN DOCUMENTS. THE LOAN WAS WRITTEN IN THE WRONG NAME, THE LOAN WAS WRITTEN FROM FAIRWAY INDEPENDENT MORTGAGE. THE INTEREST RATE WHICH SHE LOCKED US INTO IN XXXX HAD CHANGED TO 4.75 % WHICH WAS THE RATE AS OF XXXX.
SHE DID NOT SHOW UP AT THE CLOSING, AND THE TITLE COMPANY WERE INFORMED THAT WE HAD TO SIGN ALL THE DOCUMENTS, EVEN IF THERE WERE ERRORS OR WE WOULD NOT GET THE LOAN.
OF COURSE THIS MEANT THE PEOPLE WHO'S HOUSE WE BOUGHT WOULD NOT BE ABLE TO CLOSE ON THE HOUSE THEY BOUGHT AND SO ON DOWN THE LINE.
WE DISCUSSED THE ISSUES AND THE REALATORS DECIDED WE SHOULD SIGN, AS THERE WERE WITNESSES TO OUR REFUSAL, AND RE-FINANCE IMMEDIATELY.
WHEN WE WENT TO RE-FINANCE WITH OUR BANK WE WERE UNABLE TO GET A LOAN BECAUSE XXXX HAD PUT IN INCORRECT INCOME INFORMATION. SHE ALSO PUT US IN A JUMBO LOAN FOR $ XXXX AND WE PUT DOWN 20 % AND STILL OPENED AN ESCROW ACCOUNT WITH THE WRONG AMOUNTS.
THE ESCROW IS BEING HELD BY FAIRWAY MORTGAGE AND AFTER MANY CALLS FOR THAT AMOUNT TO BE RETURNED WE STILL HAVE NOT SEEN IT.
IT IS OBVIOUS THAT XXXX XXXX WROTE A HIGH COMMISSION LOAN, MADE OUR INCOMES LARGER TO ACCEPT THAT LOAN AND THEN THE LOAN WAS SOLD TO XXXX XXXX.
EVERYTHING SHE TOLD US REGARDING HER AND BEING A BROKER FOR ALL SOURCES OF LOANS WAS FALSE. THE LOAN WAS WRITTEN WITH FALSE INFORMATION AND WHEN WE CALLED THE " SUPERVISOR '' FOR FAIRWAY, I WAS TOLD THAT " I DON'T LIKE YOUR NEGATIVE ATTITUDE, DO NOT CALL AGAIN ''.
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| 04/17/2019 |
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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My name is XXXX XXXX XXXX and in XX/XX/2019 I was interested in a property and I contacted by the realtor who could help through the process obtaining this property. I was directed to the XXXX XXXX XXXX in XXXX XXXX Arkansas to assist me in the process of financial assistance of getting this property. She asked me turned all the documentation and in hope that I would qualify a loan through this lender. As XXXX was approaching I made it my business to turn in all the documentation for this property so an offer can be made. Since the property had been vacant little over a year and no other persons had made any movement toward the property I was sure that I would have no issues in finalizing me getting into this property. This would not be the case several week turned into what is now XXXX and heard nothing from any party about the home or was there movement from the Mortgage Company about any request that was in getting the property in question. On XX/XX/2019 with no real concern in a group text just casual stated an offer has been made on the property who you like me to help you get into another home. I never thought this would be the issue, but here I am faced with the real situation why did you not help me obtain this home? Several months passed and not a single person contacted me to help me in the home buy process. The Same owner has another property near each other and the family moved in within a XXXX weeks and I am or was still waiting for assistance. I simply do not want to believe the pigment of my skin was the bias for this company not assisting me in the process of getting in this home. I would hate for that to the issue in 2019
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| 09/19/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Closing on a mortgage
- Fees or costs after closing
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Web |
Servicemember |
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I was set up on a reverse mortgage in XXXX by a family friend that's works with refinancing on a reverse mortgage. I was supposed to receive a check for life at XXXX in XXXX that check stop.my son been helping me with the computer. Now I was told tonight by XXXX XXXX located in XXXX XXXX. Hey were supposed to email me the closing figures that's fairway independent mortgage paid they said they would make sure I got a check for XXXX plus XXXX and they paid off my fist Morgage at XXXX for XXXX, now this was supposed to be out of a check written to me for the amount XXXXnow later down the line i had XXXX sent to my bank account so we are plus XXXX in closing cost so now we are at XXXX .this whole time i been paying interest on this loan for XXXX my house is worth XXXX some were some one line there pocket from the XXXX.I am going out there tomorrow to get the original paper work i was never told that i was getting a check for XXXX .all i was told I would get a check for market price at the time XXXX was XXXX, XXXX " " " " " " " " " " i have flied for 4 other complaint 's i am not getting any younger at this rate they are living on my money one of the companies pocket my money. I work hard all my life just to give way my house i don't think so.I have their rules maintain the property paid the house insurance paid property tax XXXX XXXX XXXX XXXX XXXXXXXXI pay my bills on time and now that i found out tonight that i been paying interest on my loan that i never received in all case i am still owed XXXX that a big difference a veteran and this is how they treat a law biding citzen.please follow up on this this is big time h robbery.
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| 01/21/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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On XX/XX/2019 FAIRWAY INDEPENDENT MORTGAGE assigned my mortgage note to XXXX , XXXX without my consent to do so. Since XX/XX/2019, XXXX , XXXX has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with XXXX , XXXX. I made no agreement with XXXX , XXXX. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by XXXX , XXXX. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to XXXX , XXXX. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring XXXX , XXXX in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].
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| 11/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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I went shopping for a home, contacted Fairway, to do the mortgage and provide a loan interest rate that I can use as pre-approval. I talked to XXXX ( dont know her last name ) initially, I was given pre-approval of XXXX at 2.65 % rate loan. Once a home I liked was located, and our bid accepted. This is where the Bait-n-Switch takes place by Fairway. The Loan Paperwork is sent to me by email. It states I have to log into their website to fill out the forms required and lock in my rate. The loan initially discussed with XXXX on the phone was XXXX & down and no PMI if possible, if not 20 % down payment. Because of this when I went shopping for homes this is the calculator used to see if I was comfortable with that payment and that much down payment. The Loan Paperwork sent by XXXX XXXX the Loan Officer, was for 33 % down payment and my loan only good for {$150000.00} dollars.
A little more perspective here, a 10 % down payment was {$22000.00} on a home. A 20 % down payment was {$45000.00} dollars. These two numbers I was using to figure out payment on my XXXX website, XXXX, and or XXXX. I found and paid {$350.00} dollars to do a home inspection on a home I intended to buy.
The actual loan paperwork sent by Fairway Loan Officer XXXX XXXX contained a Down payment of now {$75000.00}, a 33 % loan, a rate now at 2.85 % and a loan amount of only {$150000.00} No response from any person at the company at all. I attempted to call the Loan Officer XXXX XXXX on two separate occasions, got voice mail, then a text " I'll call you shortly '' and then never called back.
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| 02/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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I have contacted Fairway Independent on several occasions to dispute this matter. A matter that has been reporting on my credit report since XX/XX/XXXX that I have no relocation of how it even got onto my report in the first place. At Fairway Independent Mortgage I spoke with XXXX XXXX about the issue I stated that I will file a police report on this matter, Ms. XXXX stated that would be good and once I have the police report to email it to her at XXXX. On XX/XX/XXXX I contacted XXXX Police Department and they stated that because of the address listed on the credit report which is listed as XXXX XXXX XXXX. XXXX, WI XXXX. XXXX PD stated it was out of their jurisdiction that I had to contact XXXX PD. I contacted XXXX PD the officer who took my information sent an officer out to that location and it was determined that this address did not exist under this company name. I sent this information to Ms. XXXX and she put me on the line with Ms. XXXX XXXX who was not able to solve any of my concerns either instead of her solving what concerns I had she kept asking Ms. XXXX if she had any more questions. Now first and foremost it is against FCRA, 604 Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of {$1000.00}. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.
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| 11/19/2020 |
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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I have a situation that occurred with Fairway Mortgage, which are located in XXXX, CT. XXXX , their loan officer qualified both of our credit and debt to income ratio for a homestyle loan, he then called back several hours later and stated that he was not able to generate an interest rate for us. I then requested to simply have him do a basic conventional loan, and he then refused to do that even that even though again our credit and debt to income ratios were qualified by him.
When we requested for them to provide a reason why they were refusing to service our loan request after pulling and qualifying credit, XXXX and his Manager XXXX XXXX refused. They also stated via email that they would not provide neither a denial letter nor place in writing that they weren't able to generate an interest rate for us ...
We're under the belief that this is retaliation for the review that my wife placed under their company website for the XXXX XXXX which she closed with them in XX/XX/2020. Minutes after placing the review on their website, XXXX XXXX contacted my realtor to request that my wife immediately removed her remarks about Fairways poor communication process throughout her experience, but she refused ...
Is this something that we can move forward with on a discrimination lawsuit??? It has to be illegal to request all of our documents, and then pull and qualify credit & debt to income ratios, and then literally lie about not being able to generate and interest rate. As well as refuse to provide in writing or even a denial letter!!!!
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| 06/09/2020 |
Yes |
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Web |
Older American, Servicemember |
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I bought a house in XXXX Tn XXXX XXXX XXXX. XX/XX/XXXX. After moving in, everything went bad. Furnace went out after four months, split AC unit went out after 10 months, water damaged spots started appearing on every ceiling. The roof is leaking. There was an undisclosed fire in XX/XX/XXXX, an undisclosed flood in XX/XX/XXXX, and an undisclosed foreclosure from XX/XX/XXXX to XX/XX/XXXX, our home insurance company refuses to pay for a house with pre existing conditions. The house is covered in black mold, walls are crumbling, floors buckling, roof leaking, siding that is rotting from the outside in. The appraiser never checked a minimum requirement and Fairway Independent Mortgage Company accepted a termite inspection that was done by an unlicensed inspector, the sellers agent was not licensed, our realtor intentionally frauded myself and my wife. After looking through my closing papers, and receiving the closing papers from the Fairway ( I had to ask them several times ), i realized important documents were hidden from me and some omitted from Fairways closing papers. My emails and my wife 's emails were hacked. My wife grew up with my realtor to top it off. This is horrifying. I am now unable to financially fix this house, myself and my wife have experienced XXXX and illness for 2 years and are pursuing this with help from a VOCA attorney. I am XXXX and a veteran ... i can't get over this loss financially and have no other choice but move out for the safety of my family. I hope nobody ever has to go through this nightmare.
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| 08/12/2021 |
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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XX/XX/XXXX We entered a 60 day escrow ( closing date to be XX/XX/XXXX ) XX/XX/XXXX Completed mortgage application ( jumbo loan ) XX/XX/XXXX Loan Officer Income review completed & contract received XX/XX/XXXX First round of documents requested and uploaded ( in between lots of emails received requesting documents and over 100 documents uploaded ) XXXX Received email " Final items for clear to close '' ( in between MULTIPLE emails requesting MORE documents than the " final items '' originally listed ) XXXX ( final business day before supposed to close ) ; more documents requested and notified that " investor '' requiring an additional $ XXXX in cash reserves, but can't take it out of our business account. " We are XXXX short. can this be gifted to you by a relative? " ; We advised we would sell $ XXXX in stock and asked to run bonuses through company to appease the investor. We were instructed to do it - because of the $ transfer process, we advised that this would take us an additional 3 days past closing date.
XX/XX/XXXX - 60 DAY CLOSING DATE ( comes and goes ) XX/XX/XXXX we were advised that investor " did not accept '' our reserves and was declining our loan. They advised that they had another investor they could go to, but would need until XX/XX/XXXX to close.
We contacted our bank and the loan closed in 6 business days. We do not need resolution from Fairway. We have bought and sold many properties involving jumbo loans and believe that this company is not experienced enough in jumbo loans to properly service them.
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| 09/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Our home and outbuildings were damaged by a hail storm on XX/XX/2019. Our insurance company issued a check for repair and replacement in the amount of {$64000.00} that was issued to us and our mortgage company. The funds are being held in escrow and, after months of submitting contractor documents, receipts for work paid for, the mortgage company refuses to release any funds. We requested a 50 % inspection so some funds could be released and the inspector sent her son who was not qualified to do the inspection ( which we failed at 32 % ). Our loan has recently ( XX/XX/2019 ) been transferred and after speaking with the new loan servicers we were told that we would have to start the process all over from the beginning as the documents we have originally submitted did not carry over to the new servicers. We have depleted our entire savings account paying for the work that has been completed on our home : Big Shed doors ( {$4800.00} ), front entry door ( {$2400.00} ), shop garage doors ( {$3200.00} ), bay window ( {$1600.00} ). We have a new roof that has not been paid for because they are also doing the siding on our home. The siding is lying in our driveway ( for one month ) waiting for us to get the bay window installed. I should mention that I have been given conflicting information every time I call the loss claims office. One person says I need to submit a surety bond, another says no, one says I need to request an exemption for work on outbuildings and then it is rejected, etc.
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| 12/03/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Promissory note was sent to the company and accepted ... never returned, the XXXX XXXX XXXX XXXX is a third party, I have no bilateral contract with XXXX XXXX XXXX XXXX, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of XXXX XXXX XXXX XXXX, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.
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| 04/07/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX XXXX and XXXX XXXX from fairway mortgage Im XXXX, XXXX are two of the most inexperienced loan consultant and loan assistant I have ever encountered. I lost out on XXXX do to an inspection and appraisal on a home they could not get me financed for all because they never bothered to look at my documents that they have had since XX/XX/2023 before sending me to underwriting and putting me under contract on this house that is {$310000.00}. Once the underwriter received the file they called and told me it was an issue with my taxes and I needed a co buyer then a week later it was my DTI was too high I still needed a co buyer. I applied for this loan on my own so if I could not be financed I dont have a loan they then did not want to provide proof that my loan was not approved or denied but that I withdrew my loan. Which now has turned into an issue with me getting my {$3000.00} earnest money back from the seller because they could not finance me. They are in experienced and unprofessional and I will exercising my rights due to them not doing their due diligence from the very beginning and pre approving me correctly and reviewing me documents to ensure I could afford such house before a contract was signed. I lost out on money, time away from work and that are trying to force me from getting my 3,000 back. I finally received my pre approval letter after I was already under contract and underwriting denied the loan still due to my DTI because the loan officer did not do his job.
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| 09/14/2021 |
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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Prior, I made a complaint within 30 days of application with Fairway Mortgage Company for racial steering, redlining, lending discrimination. The complaint was made through CFPB portal and is currently under investigation by HUD.
The complaint being made today, is a complaint for a second violation which occurred after the previously mentioned violation. Said mortgage company did not provide a letter of adverse action as required by the XXXX. XXXX XXXX of Fairway Mortgage Company verbally denied my application for credit purporting that I did not meet XXXX qualifications to live in the property. She purported that the developers only accepted XXXX conventional loans. She alleged she did not know the specific reasons for denial when questioned during our conversation on XX/XX/2021 and again XX/XX/2021.
Application date was XX/XX/2021 and I have yet to see an adverse action letter providing verifiable reasons for denial. I believe that the company did not send a letter of denial because the claim that I did not qualify for XXXX XXXX was a false claim and was verbally offered in an attempt to racially steer me from the community I was interested in purchasing a home in ; it was verbally offered so that there is no record of the false claim because such claim would be evident by XXXX XXXX.
Again, this a claim of a ECOA ( Reg B ) violation which has not been raised prior. I need an explanation as to why this company violated my rights to receive a written letter of denial.
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| 05/27/2017 |
Yes |
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Web |
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The buyer 's mortgage company called me and asked me to move my financing to them. They promised a lower interest rate and quicker closing than the company I was already with. This same company is holding the earnest money of my buyer, not me. I felt pressured by the Mortguage person to switch to them because they said they could make it happen timely and they were in control of the funds. They did a very prompt appraisal of my purchase which came in one day ahead of my buyers appraisal, despite his application being submitted earlier perhaps. When it came time for the appraisal of my sell property, it was done/submitted only a XXXX days before closing. This was after my being pressured to pay rent if I did n't vacate ( I told them I needed XXXX month after closing to move ), and buying a home warranty. Also, other staff when inquiring about the process in the Mortguage office, told me the appraiser was aware if the asking price prior to the indpection. The mortugauge officer also called me and strongly pressured me to accept the price and close on my sale today XXXX XXXX XXXX . Also, the appraiser declined to talk with me. Their are numerous errors found within the appraisal. I ca n't help but feel there was collusion between the buyer and mortgage person. This later spilled over between the Mortguage co and the appraiser. Especially when members of the Mortguage co stated the appraiser has prior knowledge of the asking price.
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| 02/10/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage loan in XX/XX/XXXX with fairway Independent mortgage company. I was told to submit bank statements, pay stubs, drivers license, social security card. I was told that they were a independent mortgage company and that they would be able to help me get a mortgage. They also told me to download their app to submitt my documents. So I did. I would periodically check the app to see if any progress was made, since I didn't hear anything from them.I did see at one time that I was being approved for a loan amount of XXXX. I thought someone would contact me. I had no correspondence from this company in about 30 days.I called to see what was going on with the loan about mid XXXX. They told me that if I paid off 2 credit cards that they could do a rapid credit score and my score would be over 700. So I paid off the cards. I still didn't here any thing from them. I called countless times to reach some one to no avail. In about late XXXX I called again. I finally reached someone. I was told that I got approved for XXXX. I still hadn't received any thing in writing. As a matter of fact I checked the app where I submitted all my personal information. Everything has been taken away. The last time I spoke to them in late XXXX. I was promised some correspondence by XX/XX/XXXX. I have heard nothing. They have my social security number and very personal information in their possession. I am very worried about it.
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| 01/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/22 I was contacted by Fairway Independent Mortgage after I was looking to get matched with a mortgage lending company to get more information of FHA loans and other loans for first time home buyers with a credit portfolio similar to the one I have. I spoke to XXXX XXXX and told him I was merely interested in figuring out where my wife and I stood, but that I did not have her information readily available since she was at work. Most importantly I told him we were not prepared to purchase just yet, ONLY to get some ideas on what we needed to do and where we needed to go next. I gave him my personal information for him to get started, expecting no more than a soft credit inquiry. I added what information I could to the online profile and was not even finished adding my W2 information when I received an email from the company that due to my income and credit score they would not be able to provide me financing at this time. Which is not what I asked for. My credit score then showed a XXXX hit to both my XXXX and XXXX for the hard inquiry that Fairway Independent Mortgage performed without my consent and before I was even done with my application process. Now this is on my credit score and could be for the next two years and could severely impact my ability to finance a home. This hard credit inquiry was done without my consent. Fairway Independent Mortgage has not returned my calls or emails regarding this.
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| 02/25/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX of XXXX, I refinanced my house at XXXX XX/XX/XXXX XXXX, TX XXXX with Fairway Independent Mortgage Corporation. An escrow account was created for property taxes and homeowners insurance.
In XXXX of XXXX, the XXXX XXXX, TX property taxes were assessed, and the bill was sent in the amount of approximately {$7000.00} with a due date of XXXX XX/XX/XXXX.
In early XXXX of XXXX, I called Fairway to verify they were planning to pay the tax bill and knew the amount. They internally verified that the amount to be paid was {$7000.00} and that the bill would be paid on XXXX XXXX.
Sometime in midXXXX XXXX, my XXXX XXXX, TX XXXX application was approved, and the property tax amount was lowered to approximately {$6000.00}.
On or about XXXX XX/XX/XXXX I checked the XXXX XXXX, TX public records to verify payment of the property taxes. The property taxes were not paid and a late fee of approximately {$450.00} was assessed. That same day I contacted Fairway and I was informed that an 'investigation ' would occur.
On XXXX XX/XX/XXXX I contacted Fairway again in regards to the property tax payment. The investigation was 'still on-going '.
At this point, I am majorly concerned with damaging effects to my credit score if the tax bill is not promptly paid. Fairway 's blatant inaction on paying my property taxes is appalling. I do not trust their ability to 'investigate ' this matter.
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| 10/17/2020 |
Yes |
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Web |
Servicemember |
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We applied with Fairway Mortgage in XXXX for a VA loan we were approved for. We put down an earnest {$500.00}. Then they said we had to put down a $ XXXX non refundable earnest again. Then they started to change loan officers after they dropped the ball on closing by XX/XX/2020. That person XXXX XXXX tried to illegal sale out our loan, cancel it before the contract date was up even though we were approved. She then tried to give us any trouble possible to hold back our loan. She was complained about and taken off the VA loan contract for the house. XXXX took over and all was going to close by XX/XX/2020. Then somehow XXXX was put back on the contract and attempted to again breach contract by ending it prematurely and she told us it was closing and wed sign papers be in our new home today, then yesterday before XXXX she emailed saying she didnt get it done and she was canceling our contract so we are now homeless after putting in three months time to get the home. She said she would refund our money and give us return of $ XXXX for our troubles. She is now refusing to do so. This was on track to close and she ruined it again but for good this time. Veterans are supposed to be treated with respect and dignity this company and XXXX XXXX breached contract and will not fix their negligence in this matter that has now caused us to be homeless in winter in Idaho. Please help.
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| 08/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I sold a property to a buyer on XX/XX/2019 after he provided a Credit Approval Letter from Fairway Mortgage Co. dated XX/XX/2019. The property was XXXX XXXX of a formal plat scheduled to be final in mid-XXXX. The seller of the property was to be paid-off in XX/XX/XXXX and the Credit Approval Letter had two pages representing " certainty '' of the buyers funds. At the end of XXXX, the buyer and seller signed at escrow and the funds were wired to escrow. Within an hour of wiring funds, Fairway M.C. contacted escrow and told it to hold the recording. On XX/XX/XXXX, the Senior Mortgage Advisor emailed escrow saying the buyer was not approved for the loan so the lender requested a reverse wire and the sale was terminated. We had ample time to sell the property but accepted the offer from this buyer based entirely on the guaranteed Credit Approval from the lender. I was forced to obtain a hard money loan that would close on time to pay-off the seller. This loan has a {$7500.00} fee and 12 % interest with a minimum 4 months interest charged equaling {$22000.00}. I contacted the Branch Manager, Mr. XXXX XXXX over the phone and sent 3 emails showing the Credit Approval Letter and emails between escrow and Fairway at the end. There has been no reply to the email and no follow-up phone call as discussed. Mr. XXXX 's phone number is XXXX and his email address is XXXX fairwaymc.com
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| 08/23/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage loan with XXXX XXXX who works for Fairway independent mortgage corporation in late XXXX. He assured me my loan was in good standards while my house was being built. XXXX ran 4 hard inquires on my credit and I also paid {$2600.00} down towards my earnest. Within 3 weeks of closing, I reached out to XXXX about my loan process and he stated that he will start working on it. XXXX negligently lied to me that my loan was being processed for 3 months when he actually didnt actually start processing it until 3 weeks before closing. XXXX then tells me that since he didnt lock in my loan rate of XXXX in XXXX my new interest rate would be XXXX which significantly increased my monthly mortgage rate. He also told me I needed to have an additional $ XXXX in 3 weeks to go towards my down payment at the time of closing. His negligence ruined my life! I changed my whole life around the lies XXXX told me about my loan. I enrolled my son into the elementary school zoned to the new home and I also changed my youngest sons daycare facility as well. XXXX told me it would be okay to put in my 60 day notice at my current residence and now my children and I have no where to live due to XXXX negligence. XXXX homes also refuses to refund my earnest money of {$2600.00} since I no longer can have the home. This entire process has caused me so much stress and tears.
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| 09/28/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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RESPA SETTLEMENT PROCEDURES ACT Fairway independent mortgage company, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all failed to disclose information on this property, seller 's failed to disclose home repair stating the property was fully renovated and was not, appraisal was fraudulent because the company that we were charged 3 times, closed in XXXX, seller 's owed property taxes in XXXX from XX/XX/XXXX until XX/XX/XXXX and their amount was to be made inform of a cashiers check on XX/XX/XXXX and County treasury office said a check in the amount {$1400.00} was sent in by corelogic escrow company and paid by XXXX XXXX XXXX, and all 5 played a roll in predatory lending, this home after having our home inspection done is not worth the said listing price of {$150000.00}. Sellers told XXXX XXXX XXXX XXXX that the full renovation was done XX/XX/XXXX after they bought the home 2 months ago for {$35.00} or {$38000.00} without any documentation that shows and supports this. This is misrepresentation in real estate transactions and theft by fraud done by all parties that represented the sellers and Fairway independent mortgage company who failed to protect the borrower, they took advantage of a 1st time homebuyer of the XXXX race and placed a XXXX family in a unsafe and unhealthy home. And committed fraud and abuse of the federal housing administration fha program
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| 05/20/2022 |
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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XXXX XXXX XXXX, Mortgage Loan Officer from Fairway Independent Mortgage Corporation, demanded we pay Loan Origination fees citing the Intent to Proceed ( initial document ) for terminating loan proceedings due to his own refusal to work towards agreeable closing terms, which included access to information that was not ours ( third party financial disclosures ).
His tactics we're coercive and, at some points, bullying, to demand payment for services not rendered.
Our decision to not use him was the way he spoke to us personally and his upright refusal to accommodate our reasonable and lawful requests as consumers. He even refused to lock our rate early on fully knowing that interest rates were on the rise ( beginning with a low 3 % and resulting over 5 % ).
In the end, XXXX XXXX XXXX pushed us into an situation where opportunity costs to pursue better rates with a cooperative officer early on directly effected how much we will now pay per month for our mortgage by several hundreds of dollars.
We feel that the fees he invented out of thin air when we requested to terminate is an unethical tactic that might be more common at this office or even Fairway Independent Mortgage Corporation altogether.
This is just the story of what we terminated with, the long email chains and verbal confrontations prior to were also extremely concerning
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| 12/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I received my loan through Fairway Independent Mortgage Corporation on XX/XX/XXXX, with a first payment due on XX/XX/XXXX. Fairway emailed me on XX/XX/XXXX stating that my payment was due to them on XX/XX/XXXX. I then received a letter on XX/XX/XXXX stating that my loan would be transferred to XXXX on XX/XX/XXXX, and the first payment would be transferred to XXXX. I also received a letter from XXXX stating my loan had been transferred to them and the first payment would be due to them on XX/XX/XXXX. I paid my first mortgage payment to Fairway on XX/XX/XXXX as requested, expecting the payment to be transferred as claimed, but the payment was never transferred. When I contacted Fairway, they said they were never supposed to transfer the first payment, but that the unpaid principal balance to XXXX was supposed to be the loan amount minus the first payment - and changed the effective date of transfer to XX/XX/XXXX. I then contacted XXXX and Fairway claims they did as well. XXXX does not acknowledge the first payment to Fairway and still reflects the entire unpaid principal balance. I have contacted Fairway four times to resolve this issue and they have claimed that their research team has contacted XXXX each time to remedy the discrepancy, but no change has been made to the unpaid principal balance to reflect the first payment made to Fairway.
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| 12/31/2020 |
Yes |
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Web |
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I closed /recorded on XX/XX/XXXX with Fairway Independent Mortgage Company . Once my documents were reviewed by XXXX XXXX XXXX XX/XX/XXXX the staff there reached out to the Builders of my home realtor and stated the fees were quite high compared to other loans. I submitted via email inquiring why these fees existed or were so high. The loan officer XXXX XXXX emailed me back stating she would prefer to verbally have this convo with me, which I am not comfortable having that conversation verbally. When I spoke to the loan officer earlier during the closing process and we spoke about income drop due to COVID, no additional fees were discussed or stated would be higher, and these fees appear to excessively high. I did not speak to her verbally, and no answer as to why fees were so high.
In addition to this I paid off my debt obligations and checks were issued to those creditors which are useless and I requested to be refunded or re issue to myself, there were several emails between Fairway Mortgage and myself.The last email XX/XX/XXXX stating they are working on it ( underwriter ) and praying this can be worked out by the end of the week.
The high fees are unsettling and I would at least like to be refunded the money I paid the creditor which the agency seems to be dragging the process out without no resolution.
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| 07/22/2020 |
Yes |
- Mortgage
- Reverse mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Fairway XXXX Mortage company has been processing my reverse Mortage since XX/XX/2020. My main contact was XXXX XXXX XXXX did not handle the processing of the application in a professional manner.
The problem was that the tax forms submitted by me - were not numbers matching. No one at XXXX could figure out what the problem was until XX/XX/2020.
1. The processing department did not fully examine the files submitted before sending them to the investor. The first time the file was sent to processing was XX/XX/2020. No one at XXXX could figure out that the tax forms were not matching. If I was aware of the issue I could have resubmitted that paperwork immediately. Which is what I did in XX/XX/2020 once the issue was made clear.
2. The manager, XXXX XXXX, was brought in to review the file but he never looked into the file to find the problem. He also implied fraud because of my self- employment and the non-matching tax forms. Instead of telling me what the actual issue was. That was in XXXX XXXX.
3. I was required to have my companys finances audited. Only to find out that because of the time lapse there audit was considered null.
I have incurred fees because of XXXX requests. This includes {$1200.00} for a financial audit that XXXX stated is no longer valid due to COVID-19.
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| 07/03/2018 |
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
- Investigation took more than 30 days
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Web |
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We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our XXXXn and XXXX report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XX/XX/XXXX did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XX/XX/XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
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| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hi, I closed on two loans on XX/XX/XXXX. First a Conventional Loan unwritten by Fairway Mortgage ( https : //www.fairwayindependentmc.com/ ) and other was HELOC by XXXX XXXX. In the entire process, I as a buyer was talking only with Fairway. The loan officer at Fairway was coordinating the HELOC loan with the other company.
My concern is about the fees and Cash-to-Close for my house at XXXX XXXX XXXX. Cash to close communicated to me till XXXX XXXX was {$170000.00}, but I ended up paying {$170000.00}. The difference of {$960.00} came as a surprise to me, which I am not happy about. I had been asking for a final XXXX for a week before closing, and I expected to pay the fees that was in the closing disclosure given to me.
I have raise this concern with the loan officer and their manager, but they are saying they can not do anything.
My concern is not that I paid more than I should have. My concern is that I paid more than I was told to pay. The Loan officer was my single point of contact, and a day before closing he confirmed {$170000.00} to me and his Closer, but $ $ went high on me.
What is the point of closing disclosure and all the communication when a Loan Office can not give final XXXX right before the closing date?
Thanks, XXXX
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| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After calling my mortgage servicer Fairway to confirm ahead of time I could overpay early my first mortgage payment with no issues I paid {$4500.00} on XX/XX/XXXX. As of XX/XX/XXXX this payment is not reflected, and as of XX/XX/XXXX I have not been able to get an explanation for this after contacting the company.
I have documentation from the company indicating payment was made, and my bank account was debited on XX/XX/XXXX for this amount. I am trying to get an explanation from the company, but they have not been forthcoming with why my payment has not been applied to principle or interest and shows as my first payment still due. I fear they are trying to take more money from me outright without crediting me this first oaymeny, and even if they find the money they would charge me excess interest on top of this and avoid applying my payment to principal/interest early. I paid on XX/XX/XXXX and I expect my credit to principle and interest to reflect my payment, as I prepaid my XX/XX/XXXX first payment.
I called twice but was unable to resolve this, and the service provider seems reluctant to put anything in writing so far.
Please help me get them to reflect my payment. Happy to provide my documentation.
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| 07/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We were given a mortgage assistance grant to pay for one month of our mortgage. The company issuing the grant made the check directly to the mortgage company and gave us a copy for our records. The mortgage company contacted us a few weeks later to say they needed payment and had no record of a check. We contacted the grant people and they issued another check, this time by return receipt mail. They called us to say someone signed for the check so the mortgage company had received it. We made a payment for XXXX to keep from getting behind and the grant would just go to XXXX. Mortgage company called us again saying they needed payment. We talked to a manager who located the check and said we were ok. Now weeks later they are asking us for payment again saying they dont have the check. I'm afraid the company issuing the grant isnt going to want to write a 3rd check and the mortgage company is just going to lose it again. Our mortgage transferred to another company and that company says we are caught up. We are just dealing with the original company saying we owe them money and we dont. We tried to contact them again and no one has gotten back to us.
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| 11/27/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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Hi I have tried for 3 months now to get a modification and I feel like they are giving me the run around and have no intention to actually help me or even look if I qualify. I have sent every paper they asked for, I have called numerous times and been told they have all they need and will contact me and then I look on their website and see they have me down for missing papework and not being approved. I would really like one person to contact instead of random customer service people who do n't know what they are doing, this is important to me it is my home for my family and I am out of work on workers comp. I just need help with what is past due and I can resume payments. I just fell behind because of the injury and loss of pay for a while then I got hit with having to may my own healthy coverage and the home has a pool and trees that I then had to have winterized to avoid any damage and with all those things and limited income way lower then my usual pay I just could not do both. I can resume payments now but I am behind and need to work that out first. I just want someone to work with me rather then write me off.
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| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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A mortgage company named XXXX reported a 30 day late payment on XX/XX/2019. I do not know who XXXX is and I have never had a mortgage with them. In this same time frame my mortgage was with Fairway Independent Mortgage Corp. The house I had with Fairway was sold and I closed on XX/XX/XXXX, XXXX about XX/XX/2019 they sent me a late notice on my mortgage that I closed on XX/XX/2019. I contacted their credit department and told them that I closed on that house on XX/XX/2019. They said that they had not received the check yet. The closing company said that it was sent the next day after closing. After several phone calls it turned out that Fairway lost the check. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ph:XXXX put a stop on the old check and wrote a new one. XXXX XXXX. told me that I wouldn't get a negative remark on my credit report because this was not my fault. I just discovered that it was reported to the big three and XXXX XXXX. This entry caused me to be denied a VA mortgage by XXXX XXXX. I don't know if XXXX has anything to do with Fairway or if the dates are just a coincidence.
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| 07/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This is based in Arizona XXXX XXXX XXXX via XXXX XXXX is in NJ stated that they need me to sign documents to help with credit score which signed electronically before the site started changing and asking what country am I which no lender would ask the number I called but when then they other document that request my Bank Statements, W2, Drivers License, Name of My Last Employers, IRS Statements , My Social Security basically everything they need to become me and buy an open line of credit or sell my information on the black web. I was then told that I would be speaking to XXXX via XXXX AZ rep which felt like a bit and switch. He did not inform that he would be send a request for all my information by just got back to back emails I have been a victim of fraud and ID theft before which told him so I did not send anything. I credit score drop with their inquiries and attempt they have an office based in XXXX he should have directed me to their rep They gain my signature under fraudulent means This Compnay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
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| 06/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I am a Massachusetts XXXX.
On XX/XX/XXXX I was the settlement agent for a closing at XXXX XXXX XXXX in XXXX, Massachusetts.
The lender was Fairway Independent Mortgage Corporation ( NMLS ID # XXXX ).
On XX/XX/XXXX I approved the lender 's CD.
I closed using the agreed upon CD and disbursed funds accordingly.
The next day I was contacted by XXXX XXXX. She works in the lender 's post-closing department.
( Her address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MA XXXX. Her direct line is XXXX. ) XXXX informed me that the CD signed at closing was not the final CD.
The numbers were accurate. However, the lender intended to send the CD again labeling it " Final ''.
I informed XXXX that I could have such a CD signed and sent back to her by the end of the day ( XX/XX/XXXX ).
She refused.
Instead, she insisted that the loan re-close.
This will cause serious financial hardship for the borrowers.
I ask that the CFPB investigate the matter.
Closing documents are often resigned after closing and it never requires the loan to re-close.
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| 04/01/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I bought a house on XX/XX/19 with a 1st mortgage through Fairway Independent Mortgage company and 2nd mortgage with a XXXX XXXX XXXX first time homebuyer grant about $ XXXX. ( Fairway Mortgage Co. arranged for this grant ) I am trying to refinance my mortgage and know that by doing so I need to payback the grant. As there is a 2nd lien on the house for this grant amount, the new lender needs a payoff statement from Fairway mortgage as to the amount and where to make the payment to pay it off. I have talked to the XXXX XXXX XXXX who has told me I need to get this information from Fairway Mortgage since they have not sold the loan. I have asked Fairway where I can send a payment to pay this off and can not get an answer.
I have been trying numerous times via email and phone to get this payoff information, but have been told by Fairway that either they don't know how I can pay it off or that I need to go through the XXXX XXXX XXXX.
I am stuck and do not know where else to turn at this point.
Thank you for any help you can provide me.
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| 03/29/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Our mortgage is serviced by XXXX. Our mortgage originated in XX/XX/XXXX with Fairway Mortgage. This complaint is concerning Fairway. During the service transfer process, Fairway provided XXXX with an incorrect and outdated HUD Disclosure, causing our monthly loan payment to go up {$200.00}. Thankfully, I am a consumer protection attorney and spent the last year working specifically with mortgages, so I was able to ascertain that the issue was with Fairway and the incorrect HUD Disclosure. I was able to provide XXXX with our correct HUD Disclosure and, as of this moment, they say that they will handle it. Fairway, however, failed to provide XXXX with a complete file on our loan for the service transfer audit, as they are required to do in compliance with CFPB rules. I believe that I have taken care of the complaint and the CFPB does not need to take any action at this time, but I would like the CFPB to be aware of Fairway 's negligence in providing proper and complete documentation during a service transfer. Thank you.
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| 01/25/2021 |
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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Today, XX/XX/2021 i sent the following email to Mr. XXXX XXXX, CEO for Fairway Mortgage Co. He dismissed my concern as if this is normal behavior from one of his employees.
XXXX, Please review your mortgage loan officer, XXXX XXXX XXXX XXXX NMLS # XXXX ) comments to the client where he accuses me of offering something that is not reasonable and questions my integrity a few of his comments :. The Mortgage insurance is just like the rate, no way.
With me, the numbers will be accurate, we will close you on time, you will have a much better experience I can not lose you to the bank on bad information Ive spent 27 years in this industry with an impeccable reputation. XXXX XXXX, XXXX XXXX, you and I spent time together so I believe you know my work ethic.
I dont appreciate anyone attempting to undermine my integrity. For what its worth the taxes were unimproved last year explaining the increase, client is locked at 2.5 %.
Im sorry XXXX feels frustrated he lost the client but frankly taking the high road is advised.
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| 10/21/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I signed on XX/XX/XXXX with him to buy a house that i had fell in love with. He said usda loan, 0 % down and very little out of pocket. For the next 3 weeks i couldn't get in contact with him or his lending partners. When i finally got ahold of him they were rushing to get the paperwork and everything so they could get started. I paid XXXX for inspection and XXXX for appraisal. I had XXXX ready to insure it. XXXX called my insurance agency without asking me and had my deductible raised from {$1000.00} to {$7500.00}, he also told me he was buying my rate down for an extra $ XXXX- {$400.00} which ended up being XXXX. He had me locked in at almost 5 % interest on the loan. So when it was all said and done i needed {$4800.00} at closing and my sellers {$2500.00}. We went through 5 different closing dates on a 30 day closing. The whole process was lies and seemed to be a scam of some sorts. Now I'm out the {$800.00} i put up and they managed to run my credit 3 times and drop my score significantly.
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| 06/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Servicemember |
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I submitted a mortgage application with Fairway Independent Mortgage Corp and worked with Loan Originator XXXX XXXX XXXX ( License # XXXX, XXXX # XXXX ). The initial mortgage application was submitted on XXXX XXXX, 2016. I then paid for an appraisal on XXXX XXXX, 2016 in the amount of {$470.00}. During the 2 month process there was a lack of communication from the loan originator and then XX/XX/XXXX I was told that the loan was denied. I then left a voicemail and sent an email to the loan originator requesting a copy of the appraisal or to refund my {$470.00} appraisal fee. The loan originator never returned my call or email. I then received in the mail a Statement of Credit Denial from Fairway Independent Mortgage Corp on XXXX XXXX, XXXX never received a copy of the appraisal and since Fairway Independent Mortgage Corp is n't proceeding with the loan I feel they should be required to either refund the appraisal fee or produce a copy of the appraisal.
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| 07/08/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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We closed last Thursday, got the clear to close, closing disclosure, everything. At the closing table the buyers wire hadnt cleared yet, he showed proof. They wanted to wire me my profit. I felt hesitant but did it anyways. Was told the money would be in my account by the end of that day. Turns out there was a condition on the loan. Here it is a week later. Ive been given the run around since closing. The processor quit the day before closing and they allowed us to close without making sure everything was fine on their end. So my house is still in my name, the buyer is living there for free, my home has had no insurance since we closed. And the funds still havent been approved/distributed. This is absolutely ridiculous. They made a mistake on their end and it should have been fixed Monday! This is so unprofessional and has had caused so much stress and if not resolved I will be getting a lawyer. They need to fix this, I dont care what they do.
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| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
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Fairway Mortgage pulled my credit and my wife 's credit ( hard inquiry ) without authorization.
I started talking with Fairway Mortgage to discuss a loan to build an addition on my home. I provided basic information to Fairway, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this.
Fairway Mortgage then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.
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| 06/14/2021 |
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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Early XXXX of this year, XXXX, we wanted to be qualified for a loan to purchase a home. I asked the home builder of their preferred lender. They gave me the information below : XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX Direct XXXX Fax XXXX XXXX At the beginning he was responsive to our questions and concerns. But as time went by, couple of weeks, he started not returning my emails of phone calls. I called to set up a time to talk, but he would skip the phone appointments and come up with an excuse. By mid-XXXX of XXXX, it became clear to me he was avoiding all contact with us, and hoping we would just go away if he did not answer my phone calls and emails to him. Once we sent in copies of our driver 's licenses, he ceased all communications with us. We have the financial wherewithal to meet and exceed our monthly mortgage payments. I see no other explanation of his discrimination but for the fact of our skin color.
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| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I started calling about an error on my account with Fariway Independent Mortgage starting in XXXX of XXXX. I provided evidence that the escrow payment in XXXX included {$330.00} charge for interest resulting from the 1st tax installment, due in XXXX, was not paid until XXXX. This total paid in XXXX was {$330.00} over the total annual tax bill, due to the tax bill not being paid on time.
I have called numerous times about this issue and was told a refund would be issued. They closed a ticket in early XXXX without resolution. We reopened a ticket, providing all of the evidence on XX/XX/XXXX. At that time we were told it would be resolved within 5 business days. After 6 days I called and they asked for more time. I replied that I wanted to speak with someone who could explain the problem. At that time they told me I would received a call within 24 hours. That window has passed and I have not yet received a call.
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| 08/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX XXXX and XXXX XXXX of Fairway Mortgage have refused to process my loan application. I am XXXX XXXX XXXX. They denied me verbally on XX/XX/XXXX and I requested the denial and reason in writing. They have refused. Today I requested a lower loan amount and they refused to even process the application. XXXX stayed, you dont qualify for any amount. I have mortgage credit scores of XXXX and XXXX. I have worked for the state of XXXX for 18 years and I make more than XXXX. I have a debt to income ratio of less than 15 % and I was asking for XXXX loan. I have no bankruptcies, foreclosures, or any late payments on anything in the last couple years and I pay rent of XXXX and have XXXX to put down. But I am XXXX and they refuse to process my application for either an fha or conventional. This would be the first home I have bought and it is very discouraging to be refused to even be considered because of my age.
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| 08/24/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I recieved a preapproval letter for XXXX, FHA in XX/XX/2020. Due to Corona virus it expired. I recieved a second preapproval for a conventional loan. Due to the mortgage company pulling my credit seven times my credit score dropped. Which red flagged me so I didnt qualify for the XXXX or the conventional loan at this point. She they went back to the FHA. XXXX and my daughter are on XXXX ( she is a minor ) they asked for proof of her income for 3 years. Social security wrote a letter stating she will recieve dependent benefits until XXXX XXXX, her school also wrote a letter stating she will need services until XXXX years of age. This paperwork is not acceptable to them. If they would not have pulled my credit seven times I wouldn't have to have those letters. Now we will be homeless because my lease is up where I am and we were supose to close XX/XX/XXXX. It's now XX/XX/XXXX and they are denying me.
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| 09/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due.
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.
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| 07/31/2021 |
Yes |
|
- Struggling to pay mortgage
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Web |
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My Laon Modification was approved XX/XX/2020 and was given 3 trial period payments. I made all three payments on time and my modification paperwork was filled out and notarized and immediately returned to fairway. I was told that all paperwork was received and that they were just waiting on the underwriter to approve. This was all in XXXX and I was informed that this process will take 30 days. It is now over the 30 days and I have been receiving weekly calls from my single point of contact XXXX. Every call from XXXX has been the same, informing me that there is no update and they are still waiting for the underwriter to approve. Fairway has had all of the approved information for months now and I am concerned that they are holding off the approval and waiting for interest rates to increase so that I will not switch lenders after the modification is approved and final. Please help.
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| 07/26/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
Violation of Appraiser Independence - TILA XXXX Real estate agent and mortgage lender attempted to influence the appraisal selection process of the VA.
On or about...
XX/XX/2022 : recevied order from VA.
XX/XX/2022 : emailed listing agent for access/appointment to see property.
XX/XX/2022 : email sent from loan officer to the VA indicating they received an addendum not allowing me ( Certified Res. Appraiser ) on the property to be appraised. Addendum was forwared to VA. Loan officer requested a reassignment to another appraiser.
XX/XX/2022 : VA refused the request.
XX/XX/2022 : filed a complaint with WA DOL Real Estate Section.
XX/XX/2022 : WA DOL will not investigate further.
Attached : -PDF of VA communications portal showing copy/paste of email from loan officer and VA.
-PDF of Loan officer licensing/contact info.
-PDF of Real Estate Agent licensing/contacXXXX info.
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| 11/07/2018 |
Yes |
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- Trouble during payment process
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|
Web |
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XXXXXXXX XXXX XXXX has serviced my loan, they are suspicious because they stated that my loan was transferred from Fairway Mortgage company to them, yet the billing address, website address, payment address, matches everything with Fairway Independent Mortgage. They have not handled payments correctly, and they have not paid my property taxes on time. Per their automated system, as well as their agreement. They are supposed to pay my taxes on XX/XX/2018. This is when the taxes are due. I have been advised that they will be paid on XX/XX/XXXX. This is not when the taxes are due. I have received two different notices, and when I called in to speak with someone about it. I got a gentleman on the phone, named XXXX XX/XX/2018 who said that I did not understand the process and they will not be paid until XX/XX/XXXX regardless of what I said, or my tax bill reflected.
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2021 I was solicited by a lender on XXXX. They asked for my credit history and income and asked me to complete their application sent to my email. I started to complete the mortgage application and never submitted it back to the company, I never completed or signed the document I quit halfway. Unfortunately, I quit completing the application after I checked a box that said they could run my credit. But like I said I never finished the application nor did I ever sign or submit the application to them for processing. They took the application and ran with it and ran a hard credit inquiry on me without my permission on XX/XX/2021. When I found out about this I was furious and told XXXX XXXX they had no right to run my credit. He was rude and never apologized nor did I ever receive a copy of the this hard inquiry.
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
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Web |
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After submitting all necessary documentation required for my loan application Fairway Mortgage did NOT notice that one of the items on my credit report was showing " in disputed ''. The week prior to close they had me sign a paper advising the credit bureau that the item was no longer in dispute. In so doing it changed the last activity date on the disputed collection to XX/XX/XXXX disqualifying me for the loan on the last and final day of closing. Had they done their due diligence and noticed it during the initial application process the pain, anguish and expense would have been avoided. Due to their error not only did we NOT move into our home the next day but we lost, what to us, was a substantial amount of money.
This could have been completely avoided had Fairway Mortgage done their job appropriately.
|
| 12/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 10/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.
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| 06/16/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
|
I was late on my payment and Fairway Independent Mortgage Corporation went up on my mortgage by almost {$500.00} a month claiming it's for my escrow. I only pay homeowners insurance out of the escrow which is {$1400.00} a year, I do not pay property taxes in Alabama because i'm XXXX XXXX XXXX & XXXX XXXX veteran. This is predetory lending practice. When i ask where is the {$600.00} that was said to pay property taxes i receive no answer. The are trying to take my home away for a one time late payment. I receive threatning phone calls and messages monday-friday and also threatning letters in the mail. I'm on fixed income and can not afford my mortgage to double in monthly payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!
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| 11/02/2015 |
Yes |
|
- Application, originator, mortgage broker
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|
Web |
Servicemember |
|
While searching for a lender to apply for a new purchase VA loan, I was promised by XXXX XXXX at Fairway Independent Mortgage Company in XXXX, DE that she could match any interest rate from a competitor. Because of this promise, I chose to apply with her and continue searching for better rates that she could match. After finding a rate that was significantly better than the rate at Fairway, I presented it to XXXX. She came back to me with an offer of a rate that was between Fairway 's rate and the rate I presented her. When I asked her why she was not matching the rate as promised, she said they would lose money on the transaction. I felt that I was promised something that they could not deliver in order to capture my business.
|
| 06/03/2021 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
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BOUGHT HOME ON XX/XX/XXXX WITH XXXX XXXX. RETAILER OF HOME ISSUED WARRANTY OF ONE YEAR TO " FIX '' AND " FINISH '' THINIGS WITH THE HOME THAT COME UP OVER THE FIRST YEAR.
CLOSING DOCUMENTS HAD THE HOME LISTED AS A XXXX MODEL HOME- THIS WAS SOMETHING THAT WAS VERY IMPORTANT WHEN CHOOSING A HOME THAT XXXX WOULD FINANCE.
WHEN MOVING IN ON XX/XX/XXXX, AND RECEIVING OUR " WELCOME HOME '' PAPERWORK, WE WERE TROUBLED TO SEE THAT OUR HOME WAS NOT INFACT A XXXX MODEL BUT WAS A XXXX LOT MODEL.
THIS DISCREPENCY MADE US WORRY THAT THERE WERE OTHER WAYS WE HAVE BEEN DUPED BY THIS RETAILER AND HAVE HAD MANY OTHER PROBLEMS WITH THEM SINCE THEN, NOT HONORING THE WARRANTY AND OTHER THINGS EFFECTING THE SAFETY AND STRUCTURE OF OUR HOME.
|
| 07/24/2022 |
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 |
Servicemember |
|
I received a credit inquiry from Fairway Independent out of WI. I did not apply for any lending and I did not even recognize the bank so I reached out to find out what was going on.
After speaking to an agent there, he told me they received an application and went ahead and processed it. I have an XXXX XXXX fraud alert in place, and asked if they had called to verify before using my social security number. They did not.
He told me there was nothing he could and only said seems like this is a personal deal in my opinion. I then asked for a copy of the application and one could not be provided to me.
I am now not receiving a response from the business after asking if they have a fraud department in house.
|
| 06/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
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|
We thought we bought a home that was fully renovated and was not, seller lied about home improvements, fraudulently spoofed home to gain profit from sell home was appraised at. Appraiser lied to push sale through, Broker failed to get documents supporting home improvements and seller failed to disclose condition of property, Had our home inspection done after sale only because of electrical wiring issues and we were told that this home has asbestos, electrical issues things the seller said they on improvements were not replaced but is 20 to 25 years old, gutters never replaced they are the original gutters, water heater pipes, fireplace issues, foundation damage, see attachments regarding all issues
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| 08/17/2017 |
Yes |
|
|
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Web |
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Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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Applied fir a convention renovation loan with Fairway mortgage. Question up-front was ... we gave our home to our son a year ago and was told that if he made 12 months of mortgage payments from his own account then the mortgage payment would not be included in our income to debt ratio. We had to extend our offer with the seller by 2 weeks which all parties signed. Now the Fairway underwriters are saying they are not willing to take that mortgage payment off our ratio and they will not make the loan for the new property for us. Our point is if this is a Federal guideline and we have shown that our son has made the 12 months payment out of his own checking account why is this being denied?
|
| 07/18/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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XXXX XXXX of Fairway Independent has been unresponsive for months and made it difficult for me to get clarification on questions I have regarding the refinance. After contacting multiple people and expressing my frustration I finally got a few answers to questions I had. I was then directed by XXXX to skip my XXXX payment and that wed close the first week of XXXX. My refinance happened and I have received a late payment notification and threat from XXXX if the mortgage is not paid. I reached out to XXXX for clarification and have been ignored. He is now messing with my finances and credit. This is unacceptable. I have contacted him weekly since XX/XX/XXXX and received zero response.
|
| 09/30/2019 |
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 |
|
|
Your company illegally pulled my credit within the past 2 years.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
|
| 05/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Our house burned in a Tennessee wildfire. Insurance payment was sent to Fairway Mortgage / XXXX in early XXXX. It was {$240000.00}. Mortgage balance is {$150000.00}. At first we wanted to rebuild and keep mortgage, but Fairway would not release overage to us. On XX/XX/XXXX, I was fed up and sent a letter requesting payoff. As of XX/XX/XXXX, it is still not paid off. I call every day and they tell me it is processing and will be paid off soon. Even once it is paid off, they tell me I will not receive payment of my portion for another 30 days. This just seems wrong, and I don't know what to do to get them to pay off my mortgage and release the equity money to me.
|
| 12/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 we put in an application to remove the PMI on our mortgage. We had done a large amount of upgrades to the property which warranted removal of the PMI. Several times we were told that we didn't submit the appropriate information, which we had submitted multiple times. There has been no communication on the mortgage companies end. All communication has been executed by me and I have yet to receive any callbacks or emails as promised from them. They sent an appraiser to my home TWICE saying they never received the report which was false. We are 6 months in in trying to have the PMI removed from our loan and we still have no correspondence from them.
|
| 07/10/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a VA loan from Fairway Mortgage and endured an overwhelming disregard for accuracy in processing the loan and resulted in my Real Estate Broker questioning the loan processing. During this time it was falsely disclosed to my Broker that my rate was set higher due to a prior default on a VA loan. This is blatantly wrong on two counts the first of which it would be a violation of the Fair Credit and Reporting Act to disclose any information from my credit file and secondly to fail to disclose to me, borrower, reason for a higher rate. Lender refused to acknowledge a violation and continued to delay my loan closing.
|
| 10/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. Please help me.
|
| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
I reached out to Fairway Mortgage and I was told that they will not be extending my disaster forbearance plan. I will also be requiring to repay the XXXX months of prior forbearance within XXXX months, i do not have that type of funds to repay them back.
My case is approved for a forbearance feature based on XXXX XXXX lending guidelines. I feel like Fairway Servicing isn't properly doing their job and creating a hassle to not grant me forbearance access. My property is damaged due to the natural disaster and i am working with local jurisdiction to granting permit approval to get work done.
|
| 06/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Closing on a home, XX/XX/2019 however, on XX/XX/2019 I had to resign from my position. I will no longer be employed and the home purchase was to be financed under just my name. Without future income I canceled the purchase contract but the finance company is not willing to give a decline letter. The loan has been approved but it is contingent on employment that will end in two weeks. I have not secured a new position at this time and it appears from voicemail and email that the finance company would like to continue the process of the home purchase regardless of my employment status.
|
| 06/27/2022 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
We locked the rate in at 5.125 for 1 % One week before closing I get an update that has the points at 2.25 %. When questioned the originator admitted that they made the mistake, they didn't submit the lock even though we expressly told them to.
Gave me a verbal that they would honor it... yet they are still NOT sending correct paperwork and we are supposed to close in 4 days.
I have sent the conversation that shows us expressly saying to LOCK - the original docs showing 1 % and then the 2.25 %.
The text say they would honor the agreement... but, NOTHING has been addressed.
|
| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The issue was that this company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus and contact them to find out that your company told us was extremely low we are talking about a credit score XXXX to be lowered supposedly XXXX this outrageous. Also refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.
|
| 03/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Visited new home builder in XXXX XXXX with my wife They say we need a loan prequalification with their preferred lender before making an official bid.
My wife and i were already prequalified with other lenders but i still followed the rules.
Now their lender says we are not qualified.
Other lenders are direct lenders not just a broker. They all give us the green light to buy the home.
I think this builder is steering us to their preferred lender to make extra profits for their company.
Company nameXXXX XXXX XXXX XXXX Lender- fairway
|
| 08/17/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Been trying to work with XXXX since XX/XX/20 to start a loan process. Several emails and phone calls have been made to him to start the process of a possible $ XXXX {$75.00} mortgage we discussed back in the beginning of XXXX. He needs " documentation '' and was to send a list of what he needed last month. I have yet to get this and have left two voice mails and several cyber messages and a text. I have yet to get a response. It has been three months. The house I rent is willing to sell and keeps asking. I even have DPA ALREADY approved.
|
| 07/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I contacted Fairway Mortgage about a XXXX forbearance on XX/XX/2023 and I was told the representative couldn't help me and I got a call back from management and they wouldn't put me onto forbearance. I was down to my last dollar and the issue was that the roof was damage with siding and I didn't have funds to fix it. I have a tenant in place that I reduced their rent for and just a matter of time when they will leave and the unit will be vacant and I can't find a renter for the unit until the residence is repaired.
|
| 11/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
We requested to pay our mortgage bi-weekly. We were told they would mail the forms and we should mail them back. We did this. However, two weeks after mailing them we were told they had no received them. We were then told we could email them, which we did. Two days after we were told they had still not received them either via mail or email. This caused us to miss the window to start bi-weekly payments that month and we have still been unsuccessful in getting them to acknowledge receipt of our completed forms.
|
| 10/09/2021 |
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 |
|
|
For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four
|
| 01/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage company ( Fairway Mortgage ) sold the mortgage to another mortgage company ( XXXX XXXX ). My homeowners insurance company ( XXXX XXXX XXXX, XXXX XXXX is listed as the agent ) charged us {$30.00} to do paperwork to transfer the insurance. They said if we don't pay this fee they will terminate the insurance. We paid a full year in advance, so how could they terminate the policy? Why should I have to pay this fee? Shouldn't Fairway Mortgage pay for this since they initiated it?
|
| 03/02/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have Fairway mortgage, and every year they send me a bill for a mortgage shortfall, and every year I pay the difference to keep my monthly payment the same, AND every they receive the check,,, with the coupon,,, and deposit,,, and then proceed to turn me over to debt collection for that amount that was paid from the monthly amount.
This has become chronic and when you call their so called customer service,,, they can never manage to get someone on the phone to fix the situation!!!
|
| 08/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/2022 my house was damaged by water. I submitted a claim to my insurance. My insurance paid me XXXX for the damage. I had to submit the check to Fairway Mortgage because that is who I have my mortgage with. They have been unresponsive, and have held my money for over 5 weeks. They put you on extended holds, and rarely answer the phone. I can not get them to release the {$240000.00} dollars. I call on a daily basis, and I can not get through to anybody who has any authority.
|
| 05/15/2020 |
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 |
|
|
XXXX XXXX/FAIRWAY IND unlawfully pulled my credit with unauthorized purpose. I tried resolving through the credit bureau and directly with the furnisher of information but they are ignoring my request. I am demanding XXXX XXXX/FAIRWAY IND to produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately.
.
.
.
Inquiry on my credit report : FAIRWAY INDE Inquiry Date : XX/XX/XXXX ; FAIRWAY INDE Inquiry Date : XX/XX/XXXX XXXX
|
| 01/15/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I am unable to obtain a standard loan estimate from Fairway Independent Mortgage Corporation. I have submitted an application and all the information required to receive a loan estimate by XX/XX/2022. The property address is XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have been prequalified for {$270000.00}.
I have asked the lender for this document several times since submitting the required documents but was told that he is not allowed to provide it.
|
| 04/15/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I applied for a home mortgage and everything was approved so we started looking at houses. We put in one offer but wasnt accepted. We found another house and went to put in a offer on it and i was told by my mortgage company that they lost the approval and could not get it back. Thdey told me they dont know what happened and could not figure it out. I have been waiting 2 days to hear from them and have not heard anything from them at all.
|
| 09/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file
|
| 06/17/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The company is using discriminatory and fraudulent methods to close all sorts of loans. They are forging documents, specifically pay stubs and w2s, and more to get unethical closings. They are also actively discriminating against FHA & VA loan applicants by icing them out. They are training associates to not respond and to make things more difficult for loans that do not make a certain amount of commissions.
|
| 05/09/2019 |
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 |
|
|
On XX/XX/XXXX I reached out to the XXXX branch to resolve a matter involving an inquiry reported on my credit report I do not recognize. This inquiry has the date listed of XX/XX/XXXX. They did not provide the third party, XXXX XXXX, whom they sent it to, proof that I authorized this. This meaning in accordance with the FCRA they must have my signature authorizing the credit pull.
|
| 05/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I felt this lender was taking advantage of me and the situation, while threatening me to hurt my credit by reporting the appraisal charge to collections when the deal didn't go through.
I was never given a link or any form of Payment form before he ordered it. Seller failed to perform and had to cancel the deal, then he started harassing me for payment.
|
| 03/31/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
me and my wife went thru the entire process and for some reason me and the loan specialist were slightly bumping heads and all of a sudden when we were going to close which were a couple of days in the process the place that we were trying to get a mortgage loan VA declined on our loan due to personal reasons which is totally against the law.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I approached XXXX XXXX with questions about acquiring a loan. I was simply curious and he asked to fill out the application. I marked " no '' on the credit application and he ran my credit report anyways. I need this credit inquiry removed as it is unauthorized and I have proof its not authorized.
|
| 10/07/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2019 my loan approval showing the address of the home was shared with a previous agent through email, she was blind carbon copied -- -we specifically asked that she not be sent any information.
Later that evening the agent called our loan officer after hours and discussed our purchase.
|
| 05/19/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We were told we would receive a credit of {$2500.00} and was told we needed to pay {$1700.00} to lock in an interest rate. We did so as required and then was told we werent getting the credit as our loan would Need a manual underwrite. But, they knew that from the very beginning
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not apply for any mortgage online. I have disputed this with XXXX XXXX and Fairway independent twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.
|
| 01/25/2023 |
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 |
|
|
Loan company ran my credit report without authorization. I never filled out anything online Spoke with anyone to authorize them to or signed my name No verbal consent was given either A hard inquiry was reported to my credit and I never gave consent.
|
| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Fairway Mortgage sold my account to XXXX. During that transition, they failed to credit my account for my last months payment ( XX/XX/2021 ) and therefore never sent it to XXXX. I provided proof of payment and bank statement of payment.
|
| 01/15/2020 |
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether.
No authorization was given to have a hard pull of my credit file.
|
| 06/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I received a notice that a loan was being processed in my name. I did not reach out to this company or enter into any type of transaction or agreement with this company. This is mortgage fraud and deceptive practices by the lender.
|
| 11/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX in XXXX, MN is giving a {$25000.00} credit on the purchase price if buyers use their preferred lender. How is this not Steering? If I bring my own lender, I have to pay {$25000.00} more for the house.
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Inquiries for the same purpose made within a short time frame are generally considered " rate shopping '' and not to be reflected twice on a credit inquiry.
I did not authorize all of these inquiries.
|
| 01/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was dealing with XXXX XXXX with Fairway Independent. He said they can not approve me because I was off work during the pandemic.
How can I be penalized for something I had no control over?
|
| 07/31/2020 |
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 |
|
|
FAIRWAY INDE XX/XX/XXXX and FAIRWAY INDE XX/XX/XXXX.
Credit Inquiry is unverified but still persist on my XXXX credit report
|
| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
Wrong inquiry from Fairway mortgage. I did not apply for any mortgage with this company. please remove from my credit report
|
| 07/29/2021 |
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 |
|
|
A mortgage lending company pulled my credit without my direct consent.
|
| 01/24/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Negative impact of inaccurate appraisal
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Phone |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2023 |
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 |
|
|
|
| 03/01/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
|
|
Web |
Older American, Servicemember |
|
|
| 02/06/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/10/2022 |
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 |
|
|
|
| 09/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/15/2022 |
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 |
|
|
|
| 03/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/07/2022 |
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 |
|
|
|
| 03/01/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 02/09/2022 |
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 |
|
|
|
| 02/08/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Referral |
|
|
|
| 01/07/2022 |
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 |
|
|
|
| 12/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/03/2021 |
Yes |
- Mortgage
- Reverse mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
Older American |
|
|
| 08/28/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/09/2021 |
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 |
|
|
|
| 08/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
|
|
|
Phone |
|
|
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 05/15/2021 |
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 |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
|
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
|
|
|
Phone |
Older American, Servicemember |
|
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Mortgage
- Reverse mortgage
|
|
|
Phone |
Older American |
|
|
| 12/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 12/07/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/12/2020 |
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 |
|
|
|
| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
|
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
Older American, Servicemember |
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/22/2020 |
Yes |
|
|
|
Phone |
|
|
|
| 05/28/2020 |
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 |
|
|
|
| 05/26/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 05/21/2020 |
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 |
|
|
|
| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/03/2020 |
Yes |
|
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/20/2020 |
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
|
|
Phone |
|
|
|
| 01/28/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 01/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
Servicemember |
|
|
| 08/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/06/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/02/2019 |
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 |
|
|
|
| 03/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/07/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
Servicemember |
|
|
| 12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/17/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/14/2018 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 06/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 08/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/12/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 04/28/2017 |
No |
- 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 |
|
|
|
| 03/15/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/02/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/21/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Servicemember |
|
|
| 11/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 11/23/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 10/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
Servicemember |
|
|
| 01/22/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/18/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
Servicemember |
|
|
| 06/26/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/20/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 05/07/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Servicemember |
|
|
| 01/14/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/15/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 07/08/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|