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EverHome Mortgage


Scam charges

Complaint Rating:  100 % with 22 votes
100% 22
Contact information:
EverHome Mortgage
Jacksonville, Florida
United States
We were unfortunate enough to have our mortgage sold to EverHome, Sept., 2007. Later that month my husband, the sole provider, lost his job. We busted our butts, borrowed money, took temp. jobs to make sure that our mortgage payments were held in priority and paid by the 16th of the month. We made our November payment, mailing it 5 days prior to the 16th so that it would arrive in plenty of time. With our prior mortgage company (NetBank) that was always sufficient time.

I noticed that it took quite a bit longer for that check to clear our bank. So much so that I was beginning to wonder if they ever received it or it got lost in the mail. It finally cleared and we were hit with a late fee. With any other creditor a simple phone call would have cleared things up. Not with Everhome Mortgage. They told me that we have to go through a 'review process' to get that late fee cleared up. That alone told me that we were going to get hosed and big time.

My suspicions were confirmed with a denial letter. Whatever happened to common customer service? We have excellent credit, not a single payment gone past 30 days. We have made sure our bills were paid through unemployment, but we get punished anyway? I went to their website to find an email address, and conveniently enough, no email addresses!!!

I am unsure as to what to do but to continue fighting them. I am looking forward to selling our house this spring for more than getting out of a crappy neighborhood, but also a really crappy mortgage company. We also know who to avoid and to advise others to avoid when making our next home purchase.
Complaint comments Comments Complaint country United States Complaint category Mortgage Companies
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 10th of Jun, 2008 by    -1 Votes
I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness!!! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at 888-453-1518 and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.
 23rd of Sep, 2008 by    0 Votes
Mr. Lewis,
We have paid every payment of our 30-year mortgage and even paid more at times. If a late charge came up, it was paid. In August, at the conclusion of our 360 payments, we were told that we would need to continue paying through Dec. '09 which would make it 376 payments.

On Sept 3, we denied the need to continue paying with your firm and were told it would be researched. Tomorrow, I am proceeding in the Commonwealth of Virginia to seek a conclusion to this farce and will, through my attorney, seek a redress to this situation. Our total payments over the 30 + years in well in excess of the loan contract. On Oct. 15, we will be closing on the sale of this house and need to move forward.
 19th of Dec, 2008 by    0 Votes
i hate everhome mortgage they ruined my christmas my grand children wont have not one thing and they could care less
 5th of Jan, 2009 by    0 Votes
I have had the misfortune to have my mortgage sold from a good company to what must be the worst company in the world --- and the bogus late fees -- more than 24hrs and they rack up --- and the online page is hard to navigate at best -- and it takes forever for them to process payment racking up more late fees. I do not get paid on the same days each month and miss the flexiblility that my last company offered with no fees for 14 days -- that way I could time my payments to better fit my payroll schedule. I had the same company for 11 years and then got sold for no good reason.

So along with a disastrous new mortgage company I feel betrayed by GMAC as they promised never to sell their mortgages and here I am -- unfortunately the miniscule miniscule fine print says they do in certain cases --- not a mention of the criteria though!!!

I am just glad we have company -- I do not want to refinance but am looking into it just to get away from these crooks --- how do we complain to a higher authority??
 9th of Sep, 2010 by    0 Votes
Most mortgages are due the first of the month and have a 15 day grace period. That means its not considered late if they get your check 14 days after its acually due. Thats a good deal. So stop complaining and pay your bills on time. And its very common for mortgages to be sold multiple times, but remember if it is sold they have to stick to the terms of the original loan.

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