| 07/14/2016 |
No |
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- Application, originator, mortgage broker
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Web |
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RPM mortgage, XXXX which was presented by XXXX XXXX, handled my poor house buying experience. On XXXX/XXXX/16, we signed an offer for a house for sale in XXXX XXXX and it was accepted on same day. XXXX stated that me and my husband are fully approved and cleared me to sign the removal of contingencies on XXXX/XXXX/16. XXXX stated that everything is good to go.
On the last day of escrow day XXXX/XXXX/16 in the afternoon, XXXX XXXX from RPM sent me an email, stating that if I have a free time to call her, I called promptly even though the email does not seem urgent. They are asking me to provide them a current statement of account of my condo property in the XXXX which is impossible for me to get due to time difference and time constraint as the last day of escrow. Per my agent XXXX XXXX XXXX, seller is giving us 3 days to perform that will end on Saturday XXXX/XXXX/16, however, it falls on weekends in the XXXX so I can not contact anybody to assist me and there 's no on-line banking access available for me. I was repeatedly sending email of urgent request to my bank in the XXXX and hoping I can get immediate assistance. It was so stressful for me and my family to think whatever we can to provide what the lender is asking as they said, if I can not submit anything then they can not release the funding. Then, on Sunday XXXX XXXX but already Monday morning in the XXXX, I got an email from my bank in the XXXX ( XXXX bank ) saying that it needs to be processed within XXXX10 business days. XXXX stated that " It is over, can not proceed as the seller accepted 5 days guaranteed closing due to cash buyer ''. It was very difficult to hear that. I called my agent ( XXXX ) as I noticed that house to purchase is already back on market on Sunday ( XXXX/XXXX/16 ). Per XXXX XXXX, it 's because the extension to perform expired on Saturday XXXX/XXXX/16. Next, On Monday XXXX time, my agent called and said that the seller accepted a new offer and it 's not a cash buyer, it is also for new escrow processing. I can not understand what is going on as I was left alone all of the sudden at the end of the game.
I truly believe that the lender jeopardized me and my rights tremendously to loose the opportunity to proceed, it cost me {$5000.00} as seller is keeping it from the down payment, also for the home inspection of {$350.00} and appraisal fee {$550.00}, for total {$5900.00}, and not mentioning the emotional distress and pressure for my whole family as we need to find an immediate place to move as our lease contract will be expired by the end of XXXX. We never expected this to happen.
I attempted to contact XXXX to see if she can pay for all the damages made from their incompetence and negligence, however, she said she can only help for {$1000.00} and the appraisal fee of {$550.00}. If the lender did not cleared me to sign the contingencies and stating that everything is ok then, I should not proceed signing that made me loose the ability to refund my full down payment. I think it would be fair enough if the lender will reimburse me all hard earned money I lost from their fault.
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| 10/23/2017 |
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 mortgage company reported me 30 days late on the first day of my loan. I applied for a mortgage with RPM mortgage, the company is also known as XXXX, XXXX. My loan closed on XXXX XXXX, XXXX. In XXXX, RPM sold my mortgage to XXXX. I made my first and all subsequent payments to XXXX.
Since, I received a very high interest rate in spite of having a credit score of over XXXX. I decided to go for a refinance in XXXX, XXXX. When my new lender was running my credit check, I was informed that my refinance can not go through because I was late on my previous mortgage payments.
When I checked my credit reports, sure enough RPM had marked me as 30 days late on my mortgage payments. The surprising part is that I was reported as being 30 days late on the same day that my loan was funded - XXXX XXXX, XXXX. For some reason, RPM had reported to the credit bureaus that my loan originated on XXXX XXXX, XXXX instead of XXXX XXXX, XXXX.
I reached out to RPM mortgage. The company keeps insisting that XXXX has reported me as late. I have shared my credit reports from all XXXX credit bureaus that shows that RPM is the company that reported me late. RPM is not taking an action to remove the negative information from my credit file. This has caused an unnecessary hassle for me and because I am unable to refinance it has caused a monetary loss for me.
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| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you.
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me.
Thank you
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| 06/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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You have already settled a case vs RPM mortgage. I got my mortgage through RPM in XXXX of 2012 but I never received a payout. I 'm thinking many people might have been left out of the settlement. I called the hotline and no one had a good answer as to why I would have been left out. My loan number was XXXX and it was issued through XXXX XXXX, a XXXX XXXX which I 'm sure is a common company RPM uses ... .it 's probably owned by RPM. I think you should dig a little deeper into RPM as I had big issues when they set the loan rate. When the ten year yield was falling and I called to finalize my loan rate they never answered the phone. They only answered when the 10 year stabilized and it was at a much higher level. I was livid ... I am not shocked that they got sued ... Thank you and have a nice day. XXXX XXXX
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| 09/17/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American |
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We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee.
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| 10/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
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Referral |
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| 04/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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| 03/16/2017 |
Yes |
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Postal mail |
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| 02/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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| 11/11/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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| 05/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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| 09/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Older American |
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| 12/27/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Older American |
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| 02/15/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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