ROYAL UNITED MORTGAGE LLC

2019-08-29

Medford, OR

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-27

Lexington, MS

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2019-06-05

Mabank, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I started a loan process with Royal United Mortgage LLC and did not move forward with them, because they were charging way too much for the rate. 3.75 % for a rate of 5.25 % fixed. Does Royal United Mortgage has to reimburse me for the appraisal fee? They charged me {$470.00}. I have attached the closing statement. I did not move forward. After discussing with the loan officer on several occasion, that I would not be moving forward with Royal United, I was harassed. She basically told me, that I would not get any better deals inquiring anywhere else and that no other company would do anything better than theirs. She also said my credit was so bad and if I went with another lender, it would make my credit worse. Which I found out was not a true statement. I felt like she was scaring me into not, seeing my options. She kept calling and emailing over and over again, to the point she contacted my job to get a hold of me. It was very stressful, it really put a lot of stress on this life decision I had to make. It was a horrible experience. I understand they did the appraisal, which I did not use. I would like to be reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-06

Christmas Vly, OR

Unexpected or other fees

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Timely Response

2018-09-18

Lena, OH

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I filled out as multipurpose survey last night and this morning the mortgage companies won't stop calling. I've told multiple companies in very definite terms to NOT CALL ME AGAIN. I just had XXXX and don't want to talk to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-05

Brentwood, TN

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I started this process unfortunately through XXXX XXXX not knowing pressing enter would turn into phone calls from all the lenders available. I got in contact with Royal United Mortgage and the lender seemed to be less pushy so i proceeded with the loan process. I told him I wanted to pay off all loans, refinance my current mortgage, and get some cash to do repairs. I gave him all the information he requested in regards to my pay, the amounts owed and what we wanted for cash. We initially requested XXXX cash in hand which would have came to a loan amount of XXXX. I told him our house should appraise for around the XXXX mark give or take. I gave this number because 6 months prior we had 3 realtors give us the XXXX mark to list our home to sell. The lender looked at the information and said it should not be a problem that we could get 80 % of the appraised value and that we would be below. So i agreed to pay the appraisal fee. The appraisal came back at XXXX way below the value. Now two things happened from here. One the lender quickly told me that he would not be able to do the loan because now they could only offer 60 % so he tried to sell me a loan that we did not want. Second i asked for the loan to be reviewed. I repeat I asked for the review he did not even mention it. He even stated that only 1 out 10 reviews get changed. Low and behold i am one of those ten. It only took another two weeks for the review to come back. Now before this happened. He told me that if the loan comes back at XXXX i should be able to do the loan. I said we need to change the amount to XXXX and he again said that should be fine if it came back at the XXXX. The review came back at XXXX. He again changed the terms telling me he would not be able to do the full amount i asked. He then tried to sell me on switching to a FHA loan. I told him i was not interested. He repeated the FHA option numerous times. Then told me the appraisal wasnt high enough for what we requested because now it shows my income was not high enough. The only reason i even agreed to the appraisal was because i was told that i was way under and there would be no problem in getting the amount requested and thats even with changing the amount by XXXX. Now during this process of waiting for the review i checked my local options and found a local lender that agreed to do the loan with what i was requesting. He said he would be able to use the appraisal from them. So i called and have requested the appraisal in the original format over a week ago and still have not received what i am asking for. I have been told by the lender and two of his managers that i would be sent the appraisal. Every phone call however which was daily they tried to convince me to stay with them. They finally got to a close amount of what i was requesting and this was through the lenders manager. I asked what the rate was going to be and he checked and told me twice that it would be 4.75 i said fine lets get it written up. So again i had to wait and three days later they came back with the final and the rate changed to 5.0 % and the amount was less again. SO everytime i have talked with this company they have gone back on what they said they could do. Also starting the process i was told i could close in shorter period of time, its on day 47 of this. I asked for the orginal formatted appraisal a week ago. Even last night they said they would match the other companies numbers and then said they couldnt today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-23

Ernul, NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-06-22

Palmerton, PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Mr. XXXX I need the name of the President of this Company - XXXX XXXX or something, The VP - XXXX XXXX ( sp? ) XXXX, did not think my calls warranted enough attention to call me personally. Must be too busy getting associates to call within three minutes of a XXXX XXXX Inquiry. I wish to file an official complaint for the horrendous and what I view as fraudulent practices of Royal United Mortgage LLC. So Ill Start with 1. The Consumer Financial Protection Bureau 2. Then check Regulation Z of the Federal Truth in Lending Act and submit my issues. 3. Then see if FHA, XXXX XXXX or XXXX XXXX can, with their expertise in mortgages I lack, review the 4. Finally XXXX XXXX where this mess all started. 5. I am formally requesting a transcript of the calls made to and from Royal United Mortgage as well regarding this loan application. Home mortgages are one of the most important and financially significant decisions a person will make. I was mislead, I was provided documented, wrong and inaccurate information both in emails and taped phone conversations, and the whole situation has been handled as poorly by Royal United Mortgage as possibly could be. I would hate for unsuspecting other people to have to go though similar circumstances with a financial decision of such significance. I will provide a complete email trail along with my comments. The emails, along with the recorded calls should allow the regulatory agencies to make a decision they are much more educated about this mortgage process to review and see if things were done per law, or if from my uneducated mortgage background, just a sweat shop sales shop. I do not know the regulations so I will yield to their expertise. Three weeks after being reassured All looks well, should be no problem, and after forking out {$420.00} for a home appraisal, with significant pressure tactics, I get an email yesterday from Royal United I have to pay off {$10000.00} in debt We need these two debts paid off before we can close : From : XXXX XXXX Sent : Thursday, XX/XX/2018 XXXX XXXX To : XXXX Subject : Two Debts -- Need Paid Off Before We Can Close Importance : High Sent from Mail for XXXX XXXX From : XXXX XXXX Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX ; XXXX XXXX ; XXXX XXXX Subject : RE : Two Debts -- Need Paid Off Before We Can Close Take whatever action you feel is appropriate, as we have done nothing wrong to you. We have made every effort to provide you the services you came to us for. Our policy is that we do not share our internal records. Consequently, you should not expect to receive the recordings. I, and the rest of the Royal United team, wish you all the best in your endeavors. Regards, XXXX XXXX Regulatory Compliance XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Royal United Mortgage LLC. NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equal Housing Opportunity From : XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : RE : Two Debts -- Need Paid Off Before We Can Close External e-mail, think before clicking a link or opening attachments. Mr. XXXX I certainly am no loan expert. So I will refer this to the original regulatory folks I indicated in the letter. I need their expert advice as well as that of Royal United Mortgage, so I will need to get the transcripts of all these calls since there is so much information going around. Again I am formally requesting these transcripts and would like to know when I can expect top receive them. I am not sure about the details of your summary below since this of course is something folks like me dont do but probably for a few times in their lifetimes, so, though some of the things you list below sound strange and untrue, again the loan jargon is a bit of a new world for me. Hence the need for transcripts and to have regulators independently review. Maybe you folks did, as you insist, everything correctly. To me it all just seemed like high pressure boiler room sales talk. 20 Years in the Financial Services industry certainly presented the best and worst of sales folks Thanks for the response. I am sure well be in touch. Please give me a timeframe on getting the phone transcripts so I/we can move forward to getting this independently reviewed. Best Regards Sent from Mail for XXXX XXXX From : XXXX XXXX Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX ; XXXX XXXX ; XXXX XXXX Subject : RE : Two Debts -- Need Paid Off Before We Can Close We spoke for 30 minutes on the phone yesterday morning about your loan. You shared with me that you were committed to getting the loan done for your daughter. We talked about how your liabilities were a challenge and that we would likely have to pay something off to have your debts in line for your income to support a 15 year payment. I specifically spoke of the {$9500.00} in assets we had verified and asked if you would be willing to bring money to closing to make this loan work. You shared with me that you would be willing to bring money to closing and could put together additional money if needed beyond the {$9500.00}. As a side comment you said that you would be willing to pay down the loan to {$60000.00} if it meant making this loan work. We would not have spent the time to put together the option if you had not shared that you were willing to consider an option that required you to bring significant money to closing. The option you were offered by Mr. XXXX yesterday is the option you came to Royal United for. It significantly reduced your interest rate. It put you in a 15 year term. Im sorry that youve changed your mind but we are at a total loss of what else to do for you. If there are other options you would like to see, please let us know. Mr. XXXX has been instrumental in making sure I called you yesterday and making sure XXXX put together the new loan option for you. He has been following your situation closely. However, based on the communication youve had with Mr. XXXX, Mr. XXXX, and myself ; there is no value Mr. XXXX would be able to add to the discussion. Weve shared with you everything there is to say. The chain of e-mails you provided shows an honest lender working to get the financing you requested. We stand by the work that we do. If you would like to pursue getting assistance from another lender, we would be more than happy to transfer your appraisal to them to assist with that. Let us know if you would like to go that route. Regards, XXXX XXXX Regulatory Compliance XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Royal United Mortgage LLC. NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equal Housing Opportunity From : XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : FW : Two Debts -- Need Paid Off Before We Can Close External e-mail, think before clicking a link or opening attachments. Greetings XXXX This mortgage process has just crossed a line to which I view as unacceptable See attached, this is the worst Company I have dealt with in many years. Kind of stunning your VP XXXX - doesnt return phone calls. Too busy for client issues? Seems to be basic bad judgement but I am certainly no mortgage expert and maybe this is the way things are handled in the mortgage industry. After three weeks of everything is fine your experts yesterday tell me I need to come up with {$10000.00}, and WHEN WILL I DO THAT. ALL I WANTED WAS A SIMPLE 15 YEAR MORTGAGE FOR MY DAUGHTER AND HER XXXX YEAR OLD SON XXXX XXXX XXXX Sent from Mail for XXXX XXXX From : XXXX XXXX Sent : Thursday, XX/XX/2018 XXXX XXXX To : XXXX Subject : Two Debts -- Need Paid Off Before We Can Close Importance : High XXXX, We need these two debts paid off before we can close : Please let me know the game plan and on when you can get these paid off. Thanks and XXXX bless, XXXX XXXX Loan Advisor NMLS # XXXX XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Royal United Mortgage LLC. NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, | XXXX, IN XXXX Equal Housing Opportunity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-10

Oxford, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/2016 Royal mortgage charged me {$400.00} for an appraisal that was not required to refi. After my appraisal failed, XXXX XXXX told me i was angry because it failed. Im angry because he took {$400.00} for no reason. I had contacted XXXX XXXX for the same refi and discovered it did not require appraisal. The loan was, under a XXXX XXXX or XXXX XXXX who waive appraisals. I called XXXX XXXX asking why he charged me, he said he didnt know until after it was, done. I ask for money back and he ignored me. I was, with XXXX XXXX and i provided loan #.
Company Response: Company believes complaint relates to a discontinued policy or procedure Closed with explanation

Timely Response

2018-03-13

Trevor, WI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2018-02-20

Philadelphia, PA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-02-19

Zionsville, IN

Applying for a mortgage or refinancing an existing mortgage

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

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-29

Sebring, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I was checking on current mortgage interest rates online and afterwards I received about 20 calls from this company AFTER I told them I had picked someone else and NOT to call me anymore. They used these phone number each time. XXXX XXXX XXXX XXXX XXXX XXXX I immediately went to donotcall.gov and registered my cellphone and verified through email link. Get these guys. Very disrespectful calling me 20 times after I told them NOT to call me anymore.Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-10

Mabank, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-05

IN

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX I was contacted by Royal United Mortgage via a Request I submitted via XXXX XXXX.At the time XXXX XXXX contacted me and we discussed options for a cash out refinance. He stated he could lower payments, and provide cash back for me and beat others costs etc... I questioned him on costs and rates he would not send everything. On XXXX XXXX I asked again and stated I needed it in writing the best he would do was send one word emails "XXXX" and "Opt1. 4.250%,Opt2, 4.250%, Opt3. 3.625%" in separate emails as we were discussing costs and options. I agreed to go with Royal Mortgage to perform a Cash-Out Refi and selected option 1 of his 3 options. This was a cash-out refi at 4.25%, XXXX origination fees, XXXX closing costs (including appraisal XXXX) for a 30 year mortgage, 75% LTV pending appraisal #'s. My estimate was XXXX (Actual appraisal came in at XXXX). We also discussed paying off the $7100+/- due on a truck I own. I also stated several times from the beginning that this is an investment property and not my residence that NO mail should be sent to this location and gave him my current address (since then multiple items have been mailed to the property). When the initial appraisal and paperwork was time to sign he wanted to call and discuss as I was signing and kept insisting we just do it as he talked me through it.... There were several very high costs associated with appraisal, total fee's over $7100 dollars! He assured me that he had to report the highest possible fee's but the rate was locked and those numbers would come down substantially. I again pointed out this was an investment property since the previous form said personal residence, I was reassured it was corrected and just a typo. (Dodd-Frank was mentioned during this call as reasoning for all of this hassle.)After the appraisal I was sent two different closing cost statements nearly back to back... I tried to question XXXX, and his coworkers (XXXX XXXX, XXXX XXXX, XXXX XXXX) via the phone however 'XXXX' was unable to locate any of them in the office on XXXX XXXX when I had tried to call. So I sent XXXX a text message (since he has answered those in the past rapidly), in the text I asked XXXX to review his numbers as they were not what was stated to me previously. He said he would and this morning at XXXX eastern XXXX.XXXX, he called and apologized for the couple of fee's that were not taken out. These fee's amounted to around $350 dollars which still didn't add up to my XXXX appraisal fee. I asked him about the XXXX and other large sums listed on the closing documents, he stated that because my loan wasn't as large now that the appraisal was XXXX lower, that I was being forced to pay more, and also that it was an investment property. I disagreed that this should never be the case and said that's not what he stated earlier and quoted the previous XXXX in fees total (XXXX origination, XXXX closing) and that the rate should be 4.125%-4.25% APR as was also mentioned previously, not 5.253% as stated in the closing disclosure. He kept reiterating the same thing saying yes but your payments are exactly what I told you they'd be... In order to get off the phone I told him I'd think about it, and after thinking about it, I feel I was outright lied to. In my opinion this amounts to fraud, and illegal deceptive banking practices.When XXXX called back the next day he again tried to get me to agree to sign the document to complete the loan, I disagreed with the extra points & fees they were now charging and listed the terms I was told. He didn’t seem to remember anything he told me and since I stated our communication from this point will be solely via email so that it is documented and excused myself from the call while he stated he would see what he could do on the numbers. I said unless it is exactly as I was told it would be, I’m not interested.Since I declined I was harassed with up to 7 calls and texts messages per day for several days until I threatened them that I would report them to the Consumers Financial protection Bureau.Then on XX/XX/XXXX I received a text from “XXXX XXXX, Assistant Vice President of Client Experience Team” I instructed XXXX. XXXX that I was on vacation and if he wanted to discuss the issues I would be available at XXXX on Thursday, XX/XX/XXXX. He did not call at that time while I blocked out calls and waited for him to contact me as he stated in his text he would. Just another case of a Royal United employee not following through with what they stated they would!Since XX/XX/XXXX I have received two missed calls from Royal United when I have stated numerous times to only contact me via email and only if they'll put what they promised to paper.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-12-30

Booth, WV

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-12-04

Dexter, KY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: We went on XXXX XXXX last night to get more information about starting the process to refinance our home. Starting at XXXX am this morning, we have received 21 phone calls from a XXXX area code. After multiple calls, my husband picked up three times and requested to be removed from the call list. Calls still persisted and so I called a gentleman back ( who had previously left a message ) and told him to please remove us from ALL call lists for his company. He said he can take us off of most of the XXXX area code phones but that his company is " pretty persistent. '' 21 is an unacceptable number of calls for being from XXXX ( which is very early! ) to XXXX, and I consider it a form of harassment!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-25

Bargaintown, NJ

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: I applied for a mortgage refi. With ROYAL UNITED MORTGAGE. We are currently in a adjustable rate mortgage. And wanted to refinance to get locked in. My credit score is a XXXX my income is over 100,000. we have about {$90000.00} of equity in our home. However I was steered into applying for an FHA loan. I paid {$500.00} for a home appraisal FHA.My wife happened to look over this loan application and realized that we qualify for a conventional loan, and paying almost 11,000 for points. We feel we were pushed into this loan so they could reap more monetary benefit from the government loan. Also I consider this predatory lending. If my wife did n't look into this loan it would 've cost us thousands of dollars and years to even get back the money that we put into it.The fees were astronomical, they were charging us for almost 3 1/2 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-20

Taft, OH

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: My wife and I applied for a home equity loan with Royal United Mortgage , LLC. We provided all the information to pull our credit. I mentioned to the loan officer XXXX XXXX that I had a short sale on a home in Illinois. She mentioned Royal United Mortgage underwrites their own loans and they can do hings other lenders could not. The attached documents will show that a few hours after pulling both of our credit reports, an appraisal was ordered through XXXX and payment would have to be made by us as Royal United Mortgage did not pay for that part of the loan and all other associated costs would be rolled into the loan. We paid {$450.00}. The appraisal was done it satisfied us borrowing the amount we were set up for. Then the week we were supposed to close the loan, here comes the underwriting problems. The same information in my credit report before the order of the appraisal is now a stumbling block to closing the loan. A subsequent conditional approval is very confusing after appraisal is paid for but loan not closed. I am requesting the return of my appraisal fee {$450.00}. The company and it 's loan officers should not promise what they claim they can do that other lenders ca n't. It is as if they lead you on, get your dollars and skin involved then, " Oh we ca n't do anything ''. I do not need a {$450.00} appraisal of my property. I do need my {$450.00} returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-09

Val Verde, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-09-26

Venus, PA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-07-31

Fort Pierce, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I responded to an ad last night online by Royal United mortgage services stating that they may be able to get me a better rate if I financed my mortgage with their company. I filled out a brief form with my phone # and address. This morning as I was sleeping in the other room I could hear phone calls coming in one after the other non-stop for about 20 minutes. I did n't answer them and tried to determine where they were coming from based on the area code, XXXX . This afternoon I finally answered a call from one of their agents and told her how unhappy I was with their attempt to reach me. She had no explanation and said my number would be taken off their list. Then more calls came in from the same area code and another one, Clearly these XXXX have no respect for anyone 's time or use of phone service. I have NEVER EXPERIENCED ANYTHING LIKE THIS BEFORE. They appear to be based in Indianapolis or somewhere nearby
Company Response: Closed with explanation

Timely Response

2017-07-04

Asheville, NC

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-29

IN

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I paid {$450.00} on XXXX XXXX , XXXX for a home appraisal throug h Royal Mortg age XXXX XXXX XXXX Loan Advisor NMLS # XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Royal United Mortgage LLC. NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , IN XXXX ) that was to be conducted on XXXX XXXX , XXXX by VALUTRUST APPRAISALS XXXX XXXX , KS XXXX it was stated in the inspection report that an attic was not present in the home, that is not true as there is a stairway to the attic, but was never asked if there was one and the appraiser took a picture in the room that the pull down stairway is present. I have had several other mortgages without any issues the appraiser was at the home for less than 10 minutes when I was present.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-03-01

Birch Run, MI

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I completed all the required steps and provided all of the documentation required to obtain a mortgage. The mortgage lender gave no reason why the mortgage was not completed before the purchase agreement expired. I was intimidated to not get competing offers, that might have allowed me to get other financing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response