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Top Dot Mortgage almost killed me, got me fired and charged me double for closing and a half point higher and 3 month delay in closing,
In Feb. 2009 I received a good faith estimate from top dot mortgage to do an equity refinance at 5% no closing points and 3 days to close.
It took 3 months, 3 appraisals, and at closing my rate was not 5% but 5.5 %
and they said they would pay me back for their mistakes making me pay for 3 appraisals. My closing costs for a $151k loan were close to $8-9k and was told they would be around $3, 500. Even the Notary that came to my house to close, was astonished by the high closing costs and couldn't explain why, but I had no choice at that point as I got fired from my job of 9 yrs due to my inability to focus on work as during the 3 incredibly frustrating months, I almost had a heart attack, my blood pressure went to 195 over 117 and still on blood pressure medicine. I was fired one week before closing in May of 2009 and warned my broker that I was going to get fired because of this situation they put me in. I was told don't tell them what they don't want to hear! Also my original credit score was very good and by the time I closed it dropped over 100 points, they said they would keep sending in my original score instead of my current score?
Then after 6 months or so of looking for a job while on unemployment I racked up my credit cards and personal line of credit to the max to make my payments. I called my broker John Detulio not sure of last name. And told him about my job loss and need to do a loan modification. He though he put me on hold, but didn't. I heard him talk to his boss about this and heard his boss say " give him the number for loss mitigation and well sell the loan out from under him. Sure enough as I was working with their loss mitigation department I received notice from Loan Care that they are taking over my loan. The nightmares continue with them as they have given me seven different stories about a loan modification and now 5 month behind they said they are foreclosing on me.
Is there any HELP for me? PLEASE someone contact mike at [protected]@yahoo.com or call [protected].
I have now used all of my unemployment and can't keep the lights and water on to sell it.
Thanks
Mike
Top Dot Mortgage almost killed me, got me fired and charged me double for closing and a half point higher and 3 month delay in closing,
In Feb. 2009 I received a good faith estimate from top dot mortgage to do an equity refinance at 5% no closing points and 3 days to close.
It took 3 months, 3 appraisals, and at closing my rate was not 5% but 5.5 %
and they said they would pay me back for their mistakes making me pay for 3 appraisals. My closing costs for a $151k loan were close to $8-9k and was told they would be around $3, 500. Even the Notary that came to my house to close, was astonished by the high closing costs and couldn't explain why, but I had no choice at that point as I got fired from my job of 9 yrs due to my inability to focus on work as during the 3 incredibly frustrating months, I almost had a heart attack, my blood pressure went to 195 over 117 and still on blood pressure medicine. I was fired one week before closing in May of 2009 and warned my broker that I was going to get fired because of this situation they put me in. I was told don't tell them what they don't want to hear! Also my original credit score was very good and by the time I closed it dropped over 100 points, they said they would keep sending in my original score instead of my current score?
Then after 6 months or so of looking for a job while on unemployment I racked up my credit cards and personal line of credit to the max to make my payments. I called my broker John Detulio not sure of last name. And told him about my job loss and need to do a loan modification. He though he put me on hold, but didn't. I heard him talk to his boss about this and heard his boss say " give him the number for loss mitigation and well sell the loan out from under him. Sure enough as I was working with their loss mitigation department I received notice from Loan Care that they are taking over my loan. The nightmares continue with them as they have given me seven different stories about a loan modification and now 5 month behind they said they are foreclosing on me.
Is there any HELP for me? PLEASE someone contact mike at skip4funlove@yahoo.com or call [protected].
I have now used all of my unemployment and can't keep the lights and water on to sell it.
Thanks
Mike
