| 02/15/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I applied for a pre-approval with Sirva Mortgage on XXXX XXXX, I received approval for $ XXXX - I advised that I did not plan to buy until XXXX as it is a relocation through my job promotion. We agreed we would put down XXXX % of the loan as the deposit and my company would pay for the closing cost and i would be responsible for prepaids. A couple days later we ended up finding a property for $ XXXX, my relator reached out to XXXX asking for a preapproval letter and with the offer we planned to make asking for $ XXXX in prepaids. We spoke with XXXX XXXX a loan relocation counselor and she stated it was illegal for us to ask for the seller to pay anymore than $ XXXX - my relator challenged her and explained the amount of the takes - she was admit that the prepaids would not be more than $ XXXX - this conversation took place with her on XXXX XXXX - from that moment on, we knew we had to show up to closing with 5 % minus the deposit we put down which meant we would need to come to closing with $ XXXX. On numberous different occasions we received a new loan disclosing document - in speaking with our processor, she stated they were not accurate and as it got closure we would have a more accurate document. After our home inspection, there were some repairs that needed to be fixed, we agreed with the seller to accept a $ XXXX seller credit for repairs. On XXXX XXXX, we received what was supposed to be our " final '' loan disclosure showing what we needed to bring to closing. The amount was about $ XXXX different than what Iwe were previously told to bring to closing - with a remaining $ XXXX and the difference of the $ XXXX for repairs we were under the impression coming to closing would be reduced meaning e would need to report to closing with about $ XXXX - I called into the processor that day - mid-day, I did n't get a response back from the processor until about XXXX and she was asking where we were going to get the remainder of the funds to close - I explained again as I had XX/XX/XXXX XX/XX/XXXX it would come from my husband and I pay as at this time we had $ XXXX - I asked why the $ XXXX repair credit was not listed and she stated she did n't know but would call me back - she also stated that I would need to have 2 months of reserve prior to closing - I explained that at no time did anyone ever tell us this and now 7 days prior to close they are saying we owe more than anyone had ever told us. She returned a call to me about XXXX stating that they corrected the error on the sheet and now we only need to come to closing with $ XXXX - I explained that was never shared with us - she then explained she understood why we thought the numbers were different but the issue was that the loan counselor XXXX gave us the wrong number she stated that pre-paids were actually {$6900.00} and the $ XXXX repair credit was used to offset that - I explained that no one has ever shared that and she then explained that aalthough my job was paying all my closing cost that {$980.00} could not be paid by my job and had to be added to the prepaids. I sent an e-mail of complaint that Friday night, on Mondday I continued the conversation with the processor who then sent me another statement reporting we needed $ XXXX - I stated this did n't make since, she asked did n't ehce closer call you 10 days ago, I explained I received an e-mail from the closer asking if we were going to be at the closing but no conversation. Later that day, we received another closing statement, then a different on Tuesday and a different one on Wednesday and then I received a call from the CEO - " XXXX '' attempting to explain the issue and advised they were going to give a lenders credit so we would be at closing with the $ XXXX but we are still short $ XXXX for repairs, my conversation with him was on Thursday about XXXX where he then advised our prepaids were not identified at $ XXXX
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| 10/09/2020 |
Yes |
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- Trouble during payment process
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Web |
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Our first mortgage payment was due on XX/XX/2020 in the amount of {$3700.00}. That payment was made by check to SIRVA Mortgage because our online account had not been set up. Every mortgage payment starting XX/XX/XXXX in that amount until now has been made online and on time. The mortgage company has seem to have misplaced our first payment and they are calling trying to collect on an up to date account. On several occasions proof of payment has been sent with the first email being sent on XX/XX/2020. This proof includes the cancelled check. Another email was sent on XX/XX/2020 and all other contact by phone or emails sent by my husband pretty much every month. We are receiving calls and emails notifying of late payments. We have even trying to escalate through customer service only to receive verbal and mailed letters stating that they are " researching '' or they need more information such as proof of the payment clearing the bank. Proof of all payments have been sent several times with no resolution. We are at our wits end and do not know what else to do to get his issue resolved and feel we were left with no other choice but to submit a complaint to get this issue resolved that has taken almost six months.
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| 02/06/2020 |
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/XXXX I contacted SIRVA Mortgage to obtain a preapproval for my home search. I was told that my FICO scores were considerably lower than I expected. I regularly monitor through XXXX XXXX. I know that XXXX uses a different model than FICO, but a difference of nearly 100 points seems a bit excessive. Additionally, my husband 's scores were MORE than 100 points different - he just bought a car with a score over 760 and suddenly it is below 650? Not likely.
Understandably concerned I logged on to my XXXX XXXX and checked my free FICO score through them. The difference from XXXX FICO from SIRVA and XXXX FICO from XXXX XXXX was 50 points. What motivation would a Mortgage originator have to tell a customer a score that will cost them a much higher interest rate if not for their own profit when they sell the loan to a servicer? Aren't these manipulative schemes that cost the consumer more one of the many reasons Sarbanes Oxley Act of 2002 was enacted?
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| 09/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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SIRVA Mortgage mishandled the renewal of my homeowner 's insurance coverage and as a result my coverage was cancelled. They are now trying to purchase coverage on my behalf and more than twice the cost of my original policy. My insurance company, XXXX sent the premium notices to SIRVA in XXXX, using the same address as the prior year. On XXXX XXXX, I was told by the insurance department the notices were not received and instructed to email the renewal notice to them. I emailed the renewal on that date. On XXXX XXXX, they claimed to have never received the emails, even though they acknowledged the email address was correct. The policy lapsed on XXXX XXXX, 2016.
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| 08/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I made a partial ( 50 % ) payment to my mortgage company on XX/XX/2022. Payment is due in full by XX/XX/2022. I received a letter dated XX/XX/2022 that they could not apply the {$1100.00} upon receipt because it was not a full payment. 2nd half of the payment was sent on XX/XX/2022, at which time they applied both the 1st and 2nd payments as " one full payment ''. So they held my payment for half the month until they received 2nd half. I called today and they said they can not apply partial payments and I think this is wrong. They should apply ANY funds received toward my loan upon receipt.
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| 04/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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| 07/09/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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| 01/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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