Caliber Home Loans, Inc.

2017-07-12

Superstition Mtn, AZ

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I would like copies of all of the loan documentation sent to me. That includes copies of the loan documents, recorded documents and any and all documentation related to this loan.
Company Response: Closed with explanation

Timely Response

2017-07-12

Vernon Hill, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.
Company Response: Closed with explanation

Timely Response

2017-07-12

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: On XXXX XXXX , 2004 I signed a Multistate Fixed Rate Note Single Family XXXX XXXX XXXX whereby in paragraph XXXX ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My XXXX Loan number is : XXXX and I have demanded a full Accounting of my original loan number : XXXX allegedly now serviced by Caliber Home L oans with loan number : XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.
Company Response: Closed with explanation

Timely Response

2017-07-12

Fred, VA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-07-12

Silver Spring, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %. Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client. The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five [email protected] % which, again, converts to 6.99 % after the five year term. <P/> We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years. <P/> We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX loans, that of course our taxes pay for [ the programs ] and we do n't have access to. <P/> We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure
Company Response: Closed with explanation

Timely Response

2017-07-12

IA

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-12

Toms River, NJ

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-07

Atl, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-06

Newport News, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-06

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-05

NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement. <P/> 2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} - estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. <P/>Thank you, XXXX and XXXX XXXX, XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-04

Lewisville, TX

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-07-03

Scottsdale, AZ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX. pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.
Company Response: Closed with explanation

Timely Response

2017-07-02

Oceanside, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-02

Burbank, CA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: In 2004 I took out a home loan with XXXX XXXX for {$310000.00}. It was given a XXXX number : XXXX with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX attn. of XXXX XXXX of the XXXX XXXX XXXX XXXX , XXXX and ATTN : XXXX XXXX, CEO. According to XXXX the alleged note was indorsed and transferred to XXXX, XXXX, XXXX, XXXX XXXX, and now CALIBER for servicing. The NOTE was transferred to XXXX XXXX under the US Government HAMP Program. It remains with XXXX XXXX and has not been indorsed over to any other lender. I have requested a copy of the original note from Caliber many times per Section 6 of RESPA and they have failed to provide it. I get the impression that this is all fraud and would like for the CFPB, the Attorney Generals involved, and the FBI to investigate and audit my account as soon as possible.
Company Response: Closed with explanation

Timely Response

2017-06-30

South Florida, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-29

Rochester, OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response: Closed with explanation

Timely Response

2017-06-28

Blairstown, NJ

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-28

Manhattan, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-28

Derry, NH

Applying for a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-27

Glenn Heights, TX

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-06-27

Mabank, TX

Trouble during payment process

Mortgage: FHA mortgage

Complaint: XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2017-06-26

Brooklyn, NY

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-06-26

Marlboro, MD

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-25

Gordon Heights, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response