STONEGATE MORTGAGE CORPORATION
Consumer Complaints
There are over 156 complaints on file for STONEGATE MORTGAGE CORPORATION. Dated between 2019-10-01 and 2013-06-14.
Complaints Page 4
2016-04-03
El Paso, TX
Loan modification,collection,foreclosure
Mortgage: VA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief
2016-03-22
Rncho Domingz, CA
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-03-16
Dallas, TX
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows.
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase.
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %.
4 ) Essentially forcing to consider refinancing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2016-03-10
KS
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: In XXXX XXXX we filed for a loan modification with Stonegate Mortgage due to a loss of job. We were simply asking for the removal of PMI, due to being over XXXX % LTV. We have had over 30 conversations with the company since we filed this, and get different answers almost every time. We were originally told the process would take 30 days, this drug in XX/XX/XXXX and were we given several conflicting reasons why.
On XXXX/XXXX/XXXX, we were denied the modification due to " being current on our loan. '' This is an issue, because we are currently in Chapter XXXX and this same mortgage company threatened to file for foreclosure if we did not make a payment on the XXXX of every month, so we had to stay current. The HARP/HAMP regulations also state being current is not a dis qualifier.
We were told we could file an appeal, which is basically an email to the person who denied us. We have tried to reach out numerous times regarding the appeal and the company keeps saying they are looking at it. They said they can not provide us any further information. This process has now drug on for almost 6 months, without any resolution.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief
2016-03-03
Atlanta, GA
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2016-02-11
Wesley Chapel, FL
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief
2016-02-08
Hinsdale, IL
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2016-01-25
Clayton, MO
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: In XXXX 2015, my mortgage servicing company, Stonegate Mortgage, sent me correspondence stating that they did not have proper insurance on file for me. I called them stated that XXXX was my homeowner 's insurance agent and that I would get them the documentation, and asked where to send it. The representative I spoke with told me that it was not my homeowner 's policy that was needed, but the policy for the homeowner 's association. I obtained that from my homeowner 's association president and provided that electronically to the email address the Stonegate Mortgage representative told me to, which was XXXXXXXXXXXX on XXXX XXXX, 2015. I received a same-day automated response that that address had received what I sent, on XXXX XXXX, but that it was being reviewed. Then I received an additional email with " secure messaging '' which requires you to go to a different website, and log in to view secure messaging. There was nothing there. So I called and the representative said that they were still reviewing my insurance document. So I thought everything was under review and would be taken care of. In XXXX, I received another message that my insurance information was missing. So I sent it in again on XXXX XXXX, 2015. Again, I received a response that they had received the document and it was under review. I then received another " secure messaging '' request, which produced no results. So I sent them a message saying that I can not receive this type of message so they would know that their system is broken. Then, I started seeing a " lender placed '' hazard insurance fee on my mortgage bill and a notice that my payment would increase from the normal {$320.00} to {$490.00}. I have attempted to communicate with Stonegate Mortgage on multiple occasions, but they refuse to update the information. This is an unethical, predatory company which sees my small mortgage as nothing more than an annoyance that they can not make much money on. So they are attempting to raise my mortgage by exercising a " lender placed hazard insurance policy '' which is not necessary. I 'm so exhausted from arguing with this horrible company. Please help!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2016-01-15
Discovery Bay, CA
Settlement process and costs
Mortgage: FHA mortgage
Complaint: I was offered terms to refinance a current FHA home loan, and proceeded with the loan origination. They were made aware that the seasoning requirement from a previous short-sale was not going to be met until the end of XXXX 2015, however I was assured that they can originate the loan sooner, but would not close it until the seasoning timeframe was met in XXXX. As we neared closure, I was then informed that the underwriters would not accept the loan since it was originated prior to the seasoning requirement, and was not acceptable even if closure would not happen until XXXX. This was not in alignment with what I was originally told. The rate lock then expired and another loan was originated in XXXX. This loan then sat waiting for " pricing exemptions '' and other rate adjustments that the loan officer was trying to push through to match the original terms from the 1st origination. This then lead to another expiration of the rate lock. Now, the mortgage company is offering me terms that are much different from what was originally agreed to, which includes a higher loan amount to cover the rate re-lock fees ( which expired due to issues on their end ), as well as to cover PMI, which they said was going to be lender-paid in the original terms. They 've also done a 2nd appraisal to on the property in order to try and further adjust terms and costs.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with monetary relief
2016-01-12
GA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: I first received a loan modification from Stonegate mortgage on XXXX 2015, at this time my payment was going to be XXXX, estimated then went up to XXXX after I had signed the new paperwork at the XXXX payment, they agreed this was their mistake and each time they told me I could fill out a loan modification packet to get my account current again after i kept complaining that the payment was not what I agreed upon. Now for the past year I have been filling out loan modification paperwork maybe four our five times ( different packets ). Each time I am told I missed the deadline. I even had it certified mail and the packet was there on time, they said oh no you missed this, after I was told what I needed to send in and my packet was complete, either by mail, or phone or email. we dont understand what this docoument means, this needs to be certified, the bank statements are not current, the payroll is not current. i now received a letter of default, the XXXX one today. I know I am doing my part getting the paperwork in. I talk to people on the phone and we go over everything, that is needed. I resend it, but sometimes when I am on the phone the person says dont worry about that it is more then sixty days old. Then I talk to someone else and they say oh no you need to send it. I have yet talk to a person that is handling my case, only someone that looks at the paperwork and checks the documents. I am thoughly stressed, and upset. I am doing my part and they seem to not care. The last modifcation to me was totally wrong, after I signed the paperwork they then added on escrow and insurance, ontop of my new mortgage amount. I complained to anyone that would listen. Now I am stuck with a year of resending the same paperwork over and over and it is like a huge game to them. Is there any protection for the consumer? IF you have any answers on what I need to do or who I need to turn to please let me know.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief
2016-01-06
Houston, TX
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief
2015-12-15
N Haven, CT
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2015-12-13
Oak Grove, MO
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2015-12-13
Main Office, VA
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them.
If you require any email correspondence proving any of our claims, we are happy to provide them.
Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place.
During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been.
After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault.
We will be awaiting your response.
Thank you
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2015-12-06
Navasota, TX
Application, originator, mortgage broker
Mortgage: Other mortgage
Complaint: Stonegate Mortgage representative issued us a pre-approval letter at 5 % down payment for the property we were interested in buying. Once we got the pre-approval letter, we made an offer on the house, came to agreement on the contract, hired an inspector, etc. During the 10 day period, the Stonegate representative left a voicemail saying she was " having to step away for personal reasons '' ( we now know that all XXXX Stonegate branches had closed ), and that she passed on all of our information to a representative with another company without our permission. About three days before our 10 day option period ended, the new representative called us to tell us that with the way our finances were, there was no way we could afford to buy that house we had already spent {$970.00} on ( Inspection fee, Termite inspection fee, and Option period fee ) and that we could not be issued the loan for the house. Another day later ( 2 days before the end of the option period ended ), he called again to say the only way we could buy the house was to put 10 % down instead of 5 % ( our original pre-approval letter from the representative at Stonegate was issued for 5 % down ). We could not afford the 10 % down as that was not part of the original pre-approval letter. If we had known that in advance, we would never have spent/wasted almost {$1000.00} on a house we were n't going to get a loan for, and on a house we should never have gotten a pre-approval letter for.
Company Response: Closed with non-monetary relief
2015-11-04
Taft, OH
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Stonegate Mortgage increase by {$300.00} a month without warning
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2015-10-27
Simpsonville, SC
Loan servicing, payments, escrow account
Mortgage: VA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-10-09
Portland, OR
Settlement process and costs
Mortgage: VA mortgage
Complaint: In the middle of refinancing our VA mortgage, our current mortgage servicer ( Stonegate Mortgage ) contacted us and promised to beat any offer we had to refinance through someone else. We provided Stonegate with the Good Faith Estimate we were working with and they gave us a better Good Faith Estimate giving us a rate of 3.625 % and them contributing all of the funds for closing costs. After providing Stonegate with all of the documents they delayed several weeks ( causing the rate lock to expire ) and are now saying they can only give us a 3.75 % interest rate and that we will have to come in with several XXXX dollars for closing costs.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief
2015-10-02
Deerfield Bch, FL
Application, originator, mortgage broker
Mortgage: Other mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2015-09-10
Northside, NC
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: Stonegate Mortgage Bought out our Loan within XXXX Months of Buying Our Home, I have Battled XXXX off and on for XXXX yr 's. So I did not pay Much Attention to My Statements, We Put {$2500.00} a yr in an Escrow Account, With That Being Said, Property Tax and Insurance Comes to almost {$2000.00} a Yr, Ok, There should Be Money Left Every yr, there is not. We pulled up all the statements for the last 2 yr 's. And Turn 's out they are Taking the Money for Insurance, Which we did not sign for, are that is there excuse to keep the Money, and XXXX year they Put down USDA Fund, I paid My USDA fund when we first Bought the Home, Over {$2.00}, XXXX, The Beginning of the Year, it said I had XXXX in my Escrow Account, We put XXXX in it every month, I would like to know, Why it goes Up and Down every Month?? And Why the Extra Money every year is not Returned to me?? I also sent XXXX extra dollars one month to go on the Principle, They did not apply it to it, They held on to it. I also found a Lot of other people with the Same Problem as us, They are taking the Money out of the Escrow Account, XXXX XXXX, I had {$77.00} in my Escrow Account, XXXX XXXX I had XXXX in my Escrow account, My property tax Bill is not due until XXXX XXXX 2016, I had a beginning Balance of XXXX the XXXX of the year. and My insurance was paid, I have paid XXXX payments this year, XXXX XXXX. then XXXX x XXXX, Which comes to {$1700.00} then add the XXXX from the XXXX, Which comes to $ XXXX I still have XXXX payments to make this Year. Add XXXX x XXXX Comes to {$650.00}, So By the middle of XXXX, there should of Been {$2600.00} In My Escrow Account, Ok. Our Insurance Comes Due the Middle of the Year. We Switched Insurance Company 's. So they paid it XXXX, Which that XXXX is Right, XXXX, We canceled that Policy, Because there was a 26 % increase, and Homeowners Insurance is {$580.00}, That comes to {$1200.00} Ok that should of left a Balance {$740.00}, And with the XXXX payments coming in of XXXX, By the End of the year, there should be {$1300.00}. I still have to go over all of last Years Statements, But Just Glancing over them, they are the Same, Every Month going up and down, Instead of going up. My Property tax only went up {$12.00} for the Whole Year. Our home owners Insurance only went up a {$100.00} for the Year. They raised My Escrow Account XXXX a month, Which Total 's XXXX more a Year. Now when the Time comes at the End of the Year, There are gon na Say I do Not Have Money In my Escrow Account to pay the Property Tax 's. WELL, from My Calculation 's, I Should Only be {$110.00} Short!!! Because the Insurance Company Sent me Back the check for {$710.00} that was canceled, Oh Yes, They sent a letter Saying I should send it back to them, But Why Should I?? It was my Money, They still have over XXXX they took there self 's from this year, and they took over XXXX last Year, So I think they need to pay it back, And all the Other people that have Complains about them taking money from the Escrow Account 's. I will also Be sending a Letter asking That I will be responsible for paying My Own Insurance and Property Tax as 2016, That I wish to Cancel My Escrow Account, I Can not afford to Give MONEY AWAY!!! XXXX x XXXX = {$2600.00} a Year. My Tax and Insurance total 's {$2000.00} So Where is the Rest Of My Money Going???? But i did get some of it back this Year. Thanks to the Insurance Company!!!! Just Think how Many people are Losing Money, Because they Way there are doing. There getting RICH!!! While some of us have a hard time making Payments, Thanks for taking your time to Read this, I am seeking legal Advice, And if you no of anyone that would be willing to help, I am Open to it. Thanks again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2015-09-08
Little Washington, OH
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2015-08-31
OH
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: In 2014 i was laid off work and have still not found full time work. I have been trying to get an many hours on as needed bases. Still not able to make ends meet my husband was in a accident in XXXX XXXX and off work XXXX mths. We really fell behind. Discussed with Stongate mortgage our situation and inability to make payments. They recommend we fill out a borrower assistance form. I did XXXX in XXXX of 2014 and I was told I had to send another XXXX cause the XXXX XXXX expired. The XXXX XXXX sent XXXX XXXX. I sent a hardship letter, expense form, pay stubs ( multiple times ), and bank stamens ( multiple times ). Every time I call them I ca n't get any information. Now they tell me I 'm in foreclosure after I have sent all these papers in. They tell me that someone has tried to contact me but I have no voice mails from them. This has been going on for about a year and no resolution. Please Help.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2015-08-27
Leming, TX
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: My wife XXXX purchased a house a little less than XXXX years ago. We were approved for the loan and the appraisal was completed and we closed on the property. The house is a XXXX level property with internal stairs connecting the XXXX XXXX XXXX floors. An external staircase allowed for access to the XXXX XXXX XXXX level. The appraiser did not make any deduction in the appraisal for the external staircase.
We refinance the house several months ago and during the appraisal process, the appraiser for the refinance did not fully recognize the sq.ft. of the XXXX floor, since you have to use an exterior staircase to access that space- essentially using a different method for appraising the property. The difference in market value is approximately {$57000.00}. I have made complaints to both appraisers and the lender- with no satisfactory actions to date. The inconsistency of the process and the seemingly arbitrary way of deciding what is allowed and what is not puts the consumer in a disadvantage especially when the consumer does not control any part of this process. I am seeking restitution of {$57000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2015-08-27
CO
Credit decision / Underwriting
Mortgage: Conventional fixed mortgage
Complaint: Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief
2015-08-24
Galena, OH
Application, originator, mortgage broker
Mortgage: FHA mortgage
Complaint: My original mortgage was with Stonegate. In late XXXX I began working on a refinance with another lender through a broker I knew. Once the payoff request was sent to Stonegate, they began contacting me multiple times a day, stating that they could beat any offer I had from another lender, and that their process would be faster because I was an existing customer. After the other lender parted ways with the broker I knew, I decided to go with Stonegage. I began the process of refinancing my mortgage with them on XXXX XXXX. That day I spoke with a Mortgage Advisor named XXXX. We discussed my wish to lower my PMI and to come away from the closing with extra cash if possible. I was told that the best option for me was a " full doc '' FHA refinance, which would lower my monthly payment from {$1100.00} to {$1100.00} ( this DID NOT beat the offer I had from the other lender ). I would be able to get back a maximum of {$500.00} from the closing, which would be made possible by rolling over my escrow balance. I would also be able to skip XXXX months mortgage payments. I was satisfied with these numbers, and later that day I was contacted by a Transaction Coordinator named XXXX who sent me a list of documents to gather and disclosures to sign. I expressed concern over the good faith estimate showing over {$6000.00} in settlement charges and was told by XXXX " I am going to make it so you do n't have to bring any cash to close, especially after we transfer over your escrow balance. '' I returned all the required documents to XXXX the following morning, XXXX XXXX. I never received any acknowledgement of receipt or any further instruction. On XXXX XXXX XXXX called me again. It was clear that no progress had been made, and we basically had a repeat of our conversation from the XXXX. This time, XXXX said I would only skip XXXX month 's payment, but that my escrow balance would be refunded to me. When I reminded her that we had discussed transferring my escrow balance and that I had signed an authorization for this, she brushed it off. After again hearing nothing, I contacted a supervisor named XXXX on XXXX XXXX. He informed me that a mistake had been made but that an appraisal had now been ordered. After the appraisal was returned, I was finally assigned to a loan processor named XXXX on XXXX XXXX. XXXX informed me that I would need to bring {$1900.00} to closing as well as pay my XXXX payment. After insisting this was unacceptable, she came back and told me they had " found '' {$800.00} in credits for me, and I would only need {$1100.00} for closing. I could pay this cost in lieu of making my XXXX payment. I agreed, but expressed frustration about the change from my initial conversation with XXXX. She came back again and told me they could raise the loan amount and now I would actually receive a credit of {$350.00} at closing. On XXXX XXXX I was sent a HUD agreement detailing a monthly payment of {$1000.00}. At this time I was told that my homeowners insurance would need to be paid for out of closing costs since my escrow was being applied to the loan balance, so I would now owe {$160.00} at closing. The next day this changed to {$180.00}, and I was informed that my monthly payment would be {$1100.00}. I was told the HUD was incorrect and she did n't know why. On XXXX XXXX, the notary came to my home for the signing. At this time I learned that my monthly payment is in fact {$1000.00}. After examining, I found that my insurance was no longer included in the monthly escrow, despite it having been included in the breakdown sent to me by XXXX on the XXXX. I am fed up with the inconsistency. I am stretched financially and can not afford to prolong this process any further, forcing me to put up with this atrocious customer service. Every step of the way I have been met with a lack of urgency and complete disregard for details.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief