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Fannie Mae / The Federal National Mortgage Association [FNMA]
Fannie Mae / The Federal National Mortgage Association [FNMA] Customer Service Phone, Email, Contacts

Fannie Mae / The Federal National Mortgage Association [FNMA]
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2.6 38 Reviews

Fannie Mae / The Federal National Mortgage Association [FNMA] Complaints Summary

15 Resolved
23 Unresolved
Our verdict: Engaging with Fannie Mae / The Federal National Mortgage Association [FNMA], which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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Fannie Mae / The Federal National Mortgage Association [FNMA] reviews & complaints 38

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9:07 pm EST

Fannie Mae / The Federal National Mortgage Association [FNMA] Wrong advices from wells fargo home mortgage

I got a 30-year mortgage from LandUS, immediately they sold my mortgage to Wells Fargo.

I made a $48,000 extra principal payment before LandUs first and last payment was due. It was honored before the only monthly auto payment was applied for December, 2021.

One day before I made my first auto mortgage payment to WF in January, 2022, I made an extra $25000 principal payment.

Wells Fargo applied it toward my auto payment first.

Our phone conversations were taped. I was told by two Wells Fargo operators that if I had made the extra principal payment few days earlier before the auto payment date, it would go straight to the principal payment first for that whole amount.

Per amortization chart, if they applied the principal first and then the auto monthly payment, it would have saved me approximately $58 on our loan balance.

In February, I made an extra principal payment of $34000 FIVE days before my autopay kicked in, as January operators suggested.

Again, Wells Fargo held the $34000 for five days, and paid toward the February payment first again. Then I was told (taped) by a supervisor, also by a research resolution rep that it had to pay the monthly payment first, then the rest as extra principal.

They said that I had a written contract with Wells Fargo (We had no contract with Wells Fargo, and also NOT the way LandUS handled our extra principal either).

It's another approximately $85 extra on the loan balance that Wells Fargo profited from this practice in February.

If I was advised correctly, I would have paid that extra principal on or before the first of each month.

Today I received a letter from Nermina Duratovic, Senior Escalation Representative. She was so clueless, stating that the funds were applied toward the principals and they don't owe me anything. If she's familiar with the amortization schedule, and also listened to all those taped phone conversations, wrong advices I was given, she could see what my concerns were.

It's the sequence of when/what payment that matters before telling me Wells Fargo's rules.

Desired outcome: Wells Fargo to honor my extra principal of $34,000 before the Feb auto payment.

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6:41 pm EST

Fannie Mae / The Federal National Mortgage Association [FNMA] agent/broker

Dear Fannie Mae, my name is Linda Futch, an I'm contacting you in regards of a property that me and my husband,

Charles Futch would like to purchase. The address is 3383 Smiley Rd. Ludowici, Ga 31316. The listing agent is Kathrin Egner.
I contacted Kathrin on 1/8/18 and was informed that the home contract fell through and it was available. She informed the home
needed a lot of work and was told to go and look at the house. I did and it does need a lot of work, but I told her that we would like to see the property. We scheduled an appointment for 1/12/19 at 1:30. I told Kathrin that my VA agent would be coming and was told I didn't need her. I didn't know that she continued to lie to my agent, telling her the property was under contract. She had us upset with our agent, only to learn that it was Kathrin misleading all parties involved.

After viewing the property, my husband made an offer for $125, 000 and was prepared to pay our earnest
deposit. It wasn't considered. Kathrin told me that my husband needed to take a course before we couldn't put in an offer. The course was $75.00 which we paid. On Saturday the house was $145, 000 an on Monday, Kathrin sent us a email showing the price went up to $148, 000.

After several attempts to contact Kathrin and her broker, my agent was able to find the information some how and submit our offer. The behavior of your agent shows that she doesn't want our family to purchase this home or wanted us to pay much, much more which is old fashion, price gouging. We feel that we have been discriminated against in the worst way, and will be filing a complaint through the Fair Housing Act and People with Disabilities Act.

I can't believe that your agency would allow people to act in the manner in representing a company such as
Fannie Mae.

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2:01 pm EST

Fannie Mae / The Federal National Mortgage Association [FNMA] mortgage insurance / servicing

Jacquelyn Faye Lowden™©, Estate, In care of: Occupant to Executor Office
30650 Rancho California Road, Suite D406, 19A Foreign Non Domestic
Temecula California ZIP Exempt Postal Code DMM 602 1.3(e)(2)
North America / Northwest Territory U.S.A.
UCC 1-308; 1863: Book 12 Statutes at Large, 37th Congress,
Session III, Chapter 71, Section 23
First Class. Non Domestic. Without Prejudice. UCC 1-207; 1-308
Private and Confidential
Time Sensitive

To: Timothy J. Mayopoulos, In care of: President Office
Chief Executive Officer, Director
Federal National Mortgage Association
3900 Wisconsin Avenue, North West
Washington, District of Columbia ZIP Exempt
Postal Code DMM 602 1.3(e)(2)
North America / Northwest Territory U.S.A.

Under separate cover, was refused and returned, "abandoned, " paperwork which appears to fraudulently give notice in a fictitious name, at a fictitious location, in violation of several current postal laws, and in disregrd of the location of record, foreign to and outside of the United States, being the United States of America, California Republic, place in the record by the undersigned.
The Office of the Postmaster General and the United States Inspector General have been notified, with a claim, for investigation. There has not been authorization, agreement or consent to receive any mail matter from the offices of the Central District of California in either a fictitious name, or for delivery at a fictitious location. In fact, the only authorized name and location is as set forth in this communication to comply with federal criminal statutes and postal law.
Using or causing the use of this manner of mail matter delivery cannot legally confer territorial jurisdiction. Any presumptive jurisdiction, based on use of fictitious names and fictitious locations, is rebutted and denied.
The return of this unacceptable mail matter, to your Article IV territorial court, recreated by Congres with the enactment of 24 Stat. 308, and the creation of the Central District, by Congress, by 80 Stat. 75, is for the reason that it violates Title 18, sections 1341 and 1342, and Title 39 section 3003.
The Executrix to Office of Jacquelyn Faye Lowden™©, has common-law, trademarked and copyrighted this property. See California Uniform Commercial Code, (Civil code 22.2) filings at 17-[protected] and 17-[protected].
Your capitalization of the property, renders it a Title 18 section 8, obligation of the United States, which should be forwarded directly to the United States. For the reason that the matter is acquitted, in making the United States of America, secured party for return of the interest to the principal, (see Title 12 section 95a).[without subscription, for explanation]. The use of the Jacquelyn Faye Lowden™©, Estate title, in any manner, including upon any documentation or media, which contains any copy related to the protected title and property, is a violation of trademark and copyright and unauthorized use, and when sent for mail delivery in such manner, a crime as violating federal postal law.
Further, it appears that the attempt by the Clerk of Court, was to place territorial jurisdiction of the claimant within the United States, is advocacy and assistnace to a private law BAR card enrolled in the STATE OF CALIFORNIA BAR Association. If continuing, would require full-accounting relating in any way, to anyone's personal or professional involvement as referenced above and the arrogated paperwork intrusion upon the Jacquelyn Faye Lowden™©, Estate.
As a final matter, the counterfeiting of securities, by Ditech Financial LLC formerly known as Green Tree Servicing LLC, Anthony N Renzi, Green Tree Servicing Corporation, member, David Schneider, Northwest Trustee Services Inc, Barrett Daffin Frappier Treder Weiss LLP, Jasmine Jimison, Nichole Hegel, Edward Treder, Janaya L Carter, Auction.com, a division, brand of Auction.Com Commercial LLC (California registration and qualification as foreign entity CANCELED STATUS), California Multiple Listing Service, MLS # SW18104464, Gail Williams, Century 21 Preferred, Patricia Murphy, Hirata, Michael J Callahan, Lanelle L Schiefiele, are reported for Securities fraud, counterfeiting, trading contraband, filing a false claim and other crimes of sedition, in the name of your organization, the Federal National Mortgage Association. They have counterfeited notes, falsified records, abused legal process, including a non-judicial "foreclosure, " for the Federal National Mortgage Association, and are presently poised, through attorneys, Thomas J Holthus, Kevin R McCarthy, in care of: McCarthy & Holthus, LLP, 1770 Fourth Avenue, San Diego, California ZIP Exempt Postal Code DMM 602 1.3(e)(2), U.S.A., in violation of the STATE OF OKLAHOMA, 444 North Capitol Street North West, Number 517
Washington, District of Columbia ZIP Exempt Postal Code DMM 602 1.3(e)(2) Telephone: [protected]; Fax: [protected], statutes, Title 21. Crimes and Punishments, §21-554. Attorneys - Buying demands for suit - Misleading inferior courts. Universal Citation: 21 OK Stat § [protected]) (fair use only, applicable pursuant to Article IV, Section 1 of the Constitution of the United States): "Every attorney who either directly or indirectly buys or is interested in buying any evidence of debt or thing in action with intent to bring suit thereon is guilty of a misdemeanor, " by filing an action for eviction proceedings, upon the false claim that Federal National Mortgage Association is the holder of the loan, (counterfeiting, and contraband) and holds title to the property, in the STATE OF CALIFORNIA, 444 N Capitol Sreet North West Number 134, Washington, District of Columbia, ZIP Exempt Postal Code DMM 602 1.3(e)(2), Telephone: [protected]; Fax: [protected],
Superior Court, Riverside County, Southwest Division, as Trade Account Number SWC 1801854, authorized and assisted by W. Samuel Hammrick, Elected Constitutional Executive Officer and Clerk of Court. In fact, according to the latest research of many, December 05, 2018, on the official website of Federal National Mortgage Association, you do not own the loan, never did, did not nor could authorize the foreclosure, and did not, nor could, authorize an eviction as owner of the Note and title to the property in the trade account SWC 1801854. https://knowyouroptions.com/loanlookup/noma: Fannie Mae Loan Lookup Results: No Match Found,
It appears that Fannie Mae does not own your loan, based on the information you entered. Try the next steps below for assistance.
rosalyn omoyele
32861 sussex stakes street
menifee, CA 92584
Last 4 Digits of Social Security Number: ****
This appears is a racketeer influenced, corrupt activity and enterprise, to deprive the equity owner of the and it is requested that it be investigated fully to prevent harm to the equity owner, the bearer of the United States Certificate of Indebtedness, and a violation of the intellectual common-law trademarked and common-law copyrighted title, Rosalyn Ann Omoyele, "capitalized, " the represented person as principal by claimant, lowden, rosalyn ann, Attorney-in-Fact, (california civil code, section 22.2, fair use).

This activity is near the United States, but claimant is not a fictitious name, nor is claimant in a fictitious location.

Claimant has changed, permanently, the postal location, outside of the United States, in the United States of America as follows:
Jacquelyn Faye Lowden™©,
in care of Occupant to Executor Office
30650 Rancho California Road, Suite D406, 19A Foreign Non Domestic
Temecula California ZIP Exempt Postal Code DMM 602 1.3(e)(2)
North America / Northwest Territory U.S.A.

Any contrary presumption, that Claimant is within the territorial jurisdiction of the United States, by submission of this form, or otherwise, is hereby REBUTTED and VOID.
Confidentiality Notice
NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL.
Authorized Signatory, Certificate Bearer, Equity Owner,
Common-Law Trademarked, Common-Law Copyrighted Title Owner
Attorney-in-Fact
Without recourse; Non Persona conjuncta
UCC 1-308; 3-402(b)(1); 3-419
This private email message, including any attachment(s) is limited the sole use of the intended recipient ONLY and may contain Privileged and/or Confidential Information. Any and All Political, Private or Public Entities, Federal, State, or Local Corporate Government(s), Municipality(ies), International Organizations, Corporation(s), agent(s), investigator(s), or informant(s), et al., and/or Third Party(ies) working separately or in concert or collusion, directly or indirectly, by collecting and/or monitoring My email(s), and any other means of spying and collecting these communications, Without my Express, knowing, complete and exclusive Permission are Barred from Any and All Unauthorized Review, Use, Disclosure or Distribution. With Explicit Reservation of All My Rights, Without Prejudice and Without Recourse to Me. Any omission does not constitute a waiver of any and/or ALL Intellectual Property Rights or Reserved Rights. This email is exempt, as outside of the United States, the Patriot Act and PRISM.

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10:50 am EDT

Fannie Mae / The Federal National Mortgage Association [FNMA] Water leak in property represented by fannie affecting my property

Hi I live in a property beneath one you guys represent at Royal Palm Fla; 126 Sparrow Dr unit 14A and Fannie property is unit 13B.
Is been two weeks since May 6 2016, on this day I came from work to surprisingly find out when going to my bathroom (master bathroom) the floor was flooded with water, I check the toilet tank the shower nothing, went couples of drops felt on my head I look up and I see water coming from and opening of heating light on the ceiling, at this point I hear there is people ups there (unit 14b) I went ups there and ask cleaning people was going on what happened here I have water coming thru my bathroom ceiling, to what a gentlemen in charge responded is not us went on and check under bathrooms sink and said there is no water leaking here, okay I went downs there again and look again, I went on to management on the building and spoke to Glenn and he came to see and saw the leak thru the bulb opening, he suggested for me to have someone to opened my bathroom ceiling to find out where from ups there was the water coming.
On May 7, 2016 I had someone come and bring down bathroom ceiling at this point Mr Glenn came again and together with the guy that work bringing down ceiling confirmed the water was indeed coming from unit, at this point Mr Glenn toll me am going to call realtor so he can come and checkout the situation< I responded okay just let them know that am going to get out of work early so I can meet with him, the realtor from(Acquired realty & investment) after I got in touch with Mr Tod the owner on mentioned company, Mr Jim, Ryan show on Monday May 9, 2016 he check my bathroom and agreed the leak was coming from unit 14b, he went ups there to try to figure out where was the water coming from, he toll me okay I look at everything we will try to get in contact with Fannie Mae who have this property to see if they send a contractor to see if they can fix the problem you would here from us in a week.
Now the thing is is been two weeks in which I haven't being able to sleep because of cont water dropping on buckets that I needed to pot to hold water and my allergies to humid are killing me, none to mentioned the walls are getting worst the water had gotten to the living room ceiling the bathroom door frame and everything is getting ruin little by little while am still waiting to here from realtors trying to hear from Fannie Mae.
My question would Fannie Mae would respond anytime soon before is to late and my property gets all ruin and how long would it take, or would it be necessary to use other means, please I want everything to get resolve in a civilized way, looking forward to hear from Fannie May soon.
thank you

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AXC
Rosemount, US
Jun 03, 2016 8:34 am EDT

I purchased a foreclosed/bank owned home last month. In the mls ad, it clearly mentioned that new carpet was installed. Once we moved in, we realized that they only deep cleaned the carpet. Also, they did not winterize the sprinkler system (shut off water line & blow out water from the irrigation system). None of those were disclosed during the closing but I am 100% sure that they were well aware of those. They told my agent that carpet replacement did not get approved and "as-is" condition should apply for not winterizing sprinkler system (which now needs to be replaced). Do we (home buyers) have any rights or protections against this type premeditated negligence and deceiving acts?

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11:26 am EDT
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Fannie Mae / The Federal National Mortgage Association [FNMA] Return of Earnest Money

I put in an offer on a house August 2014 the offer was accepted and earnest money was sent the SeviceLink title company in Anaheim CA.

September 8th after paying for an inspection Fannie Mae states that they "do not own the home" and they pull the contract.

Since this date I have been trying to get return of my earnest money and the $560 I paid for the inspection. Fannie Mae simply will not respond. So I'm out $1560 without a word from Fannie Mae. What's my recourse?

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ashley hardwick
Hartsville, US
Jan 08, 2011 11:13 pm EST

you say you are helping people get loans that is not true, my score is over 750. i have been trying for over 4 months, no closing rbc bank say it all mannie mae guide lines.. they have done everthing to stop my loans, i know nobody cares.. the goverment is destroying even the people with good credit..

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10:41 pm EDT
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Fannie Mae / The Federal National Mortgage Association [FNMA] Breach of contract

After building I was renting was foreclosed on by FNMA, I agreed to move out by a certain date and leave the building "broom swept clean" in exchange for a move-out fee of $750.
I moved out as agreed and left building as agreed yet FNMA will not pay me because they said a cabinet was left on the porch (which I promptly removed, and bucket in the yard (which I promptly removed) and they still wont pay me nor give me a plausible reason as to their refusal to pay me.
To make matters worse, they filed in magistrate court that they evicted me and they did not. Now it is a matter of court record that I was evicted and it is also on my credit report.
I have call them 78 times and written countless of letters to no avail, I am going to file suit.
If anyone out there has a similar situation I would be will to do a class action

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Fannie Mae / The Federal National Mortgage Association [FNMA] Relocation assistance

On friday, june 6th, 2014, I received a letter for notice of sale of condo unit I was renting because I wasnt aware that the unit was in foreclosure. On June 16th, 2014, the condo unit was auction and bought by Fannie Mae. On June 17th, 2014, I received a notfication from landlord that I needed to vacate the unit by July 15th, 2014. On June 18th, 2014 I received "Knowing Your Options" notice in which Fannie Mae assigned Real Estate Agent Berkshire Hathaway HomeServices. I spoke with agent on June 24th, 2014 letting him know that I was not intending on continuing to rent the unit and I was relocating back to Westchester County. I did let him know that my lawyer would be contacting him. My lawyer did speak to the real estate Agent and requested an email about the relocation assistance. The agent intern submitted the emailed and indicated if I vacated the unit by the dates listed the dollar shown would be presented. With that being said, I was trying to vacate the unit by July 9th but I had to family emergenices which caused me to loose 2 love ones in my family (aunts). So, I intern sent an email to my lawyer and real estate agent asking what my options where and if the options was still possible to rent unit. On July 9th, 2014, Real Estate agent met me at my home to perform an inspection and to discuss the options. I told him that I am trying to do what is best for me and my child. I am a single parent who receives no financial assistance. He told me that to continue renting the unit, needed to be reviewed and first accepted by Fannie Mae, but to keep in mind the offer still stands on the relocation assistance funds presented in email to my lawyer. Because they was nothing concrete in stone about me being able to continue renting there because of the month-to-month lease I had with previous landlord, As a parent, I had to do what is best not just for me but for my child, I received a phone call about a place that was available in Westchester County and acted. I moved and called my lawyer the day I moved, so that he could let the Real Estate Agent know so that I can get my relocation assistance funds. Now the Real Estate Agent / Fannie Mae claims that I willing handed over possession of the property to you and vacated and no relocation assistance will be offered. I personally feel like with all that I have been through Fannie Mae / Real Estate Agent should made a better determination about this whole process due to a clear misunderstanding brought upon stress and lack of communication as to the terms of the programs stipulations on Real Estate Agents part.

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1:12 pm EDT
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Fannie Mae / The Federal National Mortgage Association [FNMA] Fannie Mae Homepath

In Naples, FL we submitted an offer for Fannie Mae property at 5031 HICKORY WOOD DR, NAPLES, FL 34119 - REO ID A131Z58. The Buyer is a First Time Home buyer and qualified to purchase. This is the exact buyer profile the Homepath was setup for. Getting First Time owner occupants in these home is what it's all about. Janice Gover is the Realtor representing Fannie Mae. On June 1st we were told to submit our highest and best offer because there were 3 more offers. We did so and were told we were highest but they wanted to counter with some changes. Fannie Mae lowered the inspection time to 10 days and appraisal time to 10 days. We accepted those changes and signed that acceptance in Homepath. Homepath.com and the Realtor said our offer was "Accepted." We need only wait for the Addendum. We wired the $5, 000 deposit to Fannie Mae's lawyer in Tampa. On July 3rd we get a call from Janice Glover saying they decided to do another "highest and best" because she got another offer that was higher than our "Accepted Offer. This is considered Unfair Dealing within the Ethical guidelines of a Realtor not to mention that it's ripping a home away from a First Time buyer. As Realtors we are expected to Protect the Public not sell them something and then take it away when a better deal comes along. These people should be prosecuted to the greatest extent and this First Time Home Bubyer should get this home.

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Update by Mark Weber
Jul 03, 2014 1:51 pm EDT

In Naples, FL we submitted an offer for Fannie Mae property at 5031 HICKORY WOOD DR, NAPLES, FL 34119 - REO ID A131Z58. The Buyer is a First Time Home buyer and qualified to purchase. This is the exact buyer profile the Homepath was setup for. Getting First Time owner occupants in these home is what it's all about. On June 1st we were told to submit our highest and best offer because there were 3 more offers. We did so and were told we were highest but they wanted to counter with some changes. Fannie Mae lowered the inspection time to 10 days and appraisal time to 10 days. We accepted those changes and signed that acceptance in Homepath. Homepath.com and the Realtor said our offer was "Accepted." We need only wait for the Addendum. We wired the $5, 000 deposit to Fannie Mae's lawyer in Tampa. On July 3rd we get a call from Janice Glover saying they decided to do another "highest and best" because she got another offer that was higher than our "Accepted Offer. As Realtors we are expected to Protect the Public not sell them something and then take it away when a better deal comes along. This is unacceptable behavior by Fannie Mae and Homepath.com. This First Time Home Buyer should get the property he was promised on Homepath.com

Resolved

Not resolved but need to change details in initial complaint to reflect corrections. Fannie Mae is working on it but we still have no solution to issue. lkjdflkdsjfkjsalkjflskdjflsakjdflskjflksdjflksjdflkjsdlkfjslkdlkj

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Lisa Sienkiewicz
, US
Jan 28, 2016 5:52 am EST

We own a condo in Naples. Above us is an REO property being handled by Janice Glover. We live out of state and sometime between Jan 14 and Jan 25, something in the REO property has sprung a leak and it has ruined a large part of the ceiling and some of the walls in our condo. When we learned of the problem, the HOA contacted Ms. Glover and she assured them that she was already seeking bids to get it fixed. She made no call to the HOA or attempted to contact us but she knew of the leak and alerted no one. We contacted her ourselves and asked how she was going to remedy this problem and she replied "What do you want me to do? I made a phone call." The problem is getting progressively worse and we have no word that it's going to be fixed anytime soon. We are traveling down there next week. Recently purchased a new home to be built and were planning to put the condo on the market this month as we will need the proceeds from this sale to help pay for the new house.

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Carl43
, US
Mar 28, 2015 8:44 pm EDT

We have tried to purchase two homes that are unfortunately listed by Janice Gover since for some reason she is the only one representing the foreclosed wells Fargo homes. She is extremely rude, arrogant, and does what she can to avoid you until a 'better higher' offer comes along so she can have you counter. It's unethical the way this woman works and I don't understand how there aren't more complaints about her.

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Fannie Mae / The Federal National Mortgage Association [FNMA] breach of promise on Request for Repairs

I purchased a Fannie Mae REO home in 2008 with Results Realty as the listing broker. A Request for Repairs was added to the purchase contract and my real estate agent received notice from the seller's agent that all repairs were authorized on the list from
Fannie Mae, seller. However, two delays in escrow had already occurred because the Fannie Mae approved contractor was
not able to get to the job site. The Fannie Mae real estate agent contacted my agent that all repairs were done and the VA
appraiser could come and do his final inspection. Four repairs were not required for VA funding but were put into the Request for
Repairs as a safety situation : missing flu vent to central heating to vent it to the outside, missing gas cap, exposed electrical
wires in the attic and a broken garage door cable. Two of those items were done but the repair contractor sealed the only
attic entrance with wood screws and I could not physically get into the attic to see the work for myself. My agent requested a
work order or invoice to show the work was done in the attic, the listing agent said it would sent and never was. Escrow closed
and I had no ability nor reason to go into the attic until the central heating unit malfunctioned.
A repair technician discovered the missing flu vent was still missing and had never been repaired to vent the central heating
unit and immediately disconnected the gas to unit. He refused to fix the unit stating a serious hazard until it was vented
properly and I had to pay out of pocket to have the furnace vented. All this Fannie supposedly had authorized to be done.
The listing broker selects the Fannie Mae contractor from a list, acquires the job BID submits it and waits for authorization
to proceed. The broker is then responsible for detailing the work to be done, room by room for the repair contractor, is responsible for verifying the work was done and pays the contractor. The broker is then reimbursed by Fannie Mae a later date (usually after close of escrow) for their payment to the repair contractor. When I contacted the Listing Broker about the situation that I had
just discovered I was told "your issue is with the seller, Fannie Mae, I am not the seller". Fannie Mae's policies for brokers
and contractors is available for public view via internet. I think that was a cowardly answer and attitude by the Listing Broker. It was obvious that Fannie Mae as the seller intended to honor the Request for Repairs and she failed somehow in her duties in
communication with the repair contractor or to make sure the repair work was done before informing my agent that all was
completed. I failed to stop escrow when I couldn't get into the attic and went on mistaken good faith judgement that everything was done as requested.. It is a very disappointing situation and I believe Fannie Mae
should have issue also with the way their listing broker managers repairs and won't own up to their own mistakes. They may have a repair contractor that is less than honest and overcharging them or a listing broker that is doing so. It is a sad
way to maintain good buyer relationships. I certainly won't be a Fannie Mae property buyer again, they are too difficult to find afterwards should a problem occur. And I certainly will never buy anything or recommend anyone else do business with that listing broker.

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Update by Taken in Sacramento
Jan 16, 2014 10:05 am EST

I understand what California Law Civil Code 337(7) saqys about written contracts and breach of contract by fraud or mistake and the "statue of limitations begins when the aggrieved party discovers the fraud or mistake". If the window feel out after I closed
escrow I had no contract to fix the window. That would be my total problem. If the repair contractor had repaired installed the
flu and it fell apart later after I took possession, their work has no warranty to me. That the work was not done per the contract
and Fannie Mae, seller's asset manager authorization falls to the Listing Broker per her contractual obligations to Fannie Mae.
She was the conduit for oversight of the repair project and the directing of the repair contractor. There is failure on both
parts. I checked everything that I was physically able to check.

Update by Taken in Sacramento
Jan 16, 2014 3:13 am EST

I should have not closed, that is true. I do own that. If the realtor had done her job properly, there wouldn't be an issue would there?
Fannie Mae authorized all the work to be done. She communicated it incorrectly, the contractor didn't do his end properly OR there was an intentional fraud.

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Fannie Mae / The Federal National Mortgage Association [FNMA] policy change

foreclosed house right in the middle of owned family land with no right of way in 2009 brother-in -law and sister lost their house in the downturn. Fanny Mae had a lawsuit for right of way from my dad, they lost. today 2013 after it was put onto the open market for sell we submitted three times offers to buy and they said no, the last offer was the most they had been offered over all the other buyers looking at it. then they pulled a good one. they said a family member can't buy it it's in the policy. I called John McCain office to look into it, they said they have their own rules we can't tell them what to do. the house goes up for auction today I am told. I asked if I could bid like everyone else on it. the realtor said same rules applied. this is why we need to get rid of them crooks for mom and pop and all of America.

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JoeKay
, US
Aug 16, 2013 10:41 am EDT

Get off the computer and you and 10, 000 other people need to quit work, pack your bags, and go and camp out on the Mall. Get some placards and make some noise. That's the only way those crooks in the Capitol Bldg will ever get the message. There is no other way. Not conservative radio, not town hall meetings, nothing! I'm tellin' ya, these are crooks who only think about their bank accounts and nothing else; all they care about is keeping that seat and cashin in - all of 'em, make no exceptions! If you have kids or grandkids YOU OWE IT TO THEM! You made those babies, YOU voted these idiots into office, where they are now becoming multi-zillionaires, and you now have to go and undo what YOU did! It's your responsibility. If you don't get it, quit yer cryin. I'm tired of hearing about it.

I can say this because I have not voted more then twice in the last 25 years. You know why? Because if there isn't anybody to vote for, I stay home! You vote for these creeps, you get what you deserve!

The Mall is the only place you can even begin to have any influence. The MSM will eventually have to cover it, and then maybe, just MAYBE, somebody will catch on to what is happening. And what is happening is what dooms your progeny to a lifetime of USSR living - in its worst days, with a government that does just what they did to you...and hey, keep it going...it'll get worse!

I was in the USSR in the 1970's. It was pathetic. But sickeningly, I see it even worse here. Just let it continue...you may live to find out. Shut the computer and start packing. Or just shut up.

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Fannie Mae / The Federal National Mortgage Association [FNMA] Loan Modification

The Loan Modification that Fanniemae/Seterus is outrageous or a bold face scam. I was approved for a loan modification that changed only the loan term. It changed it from a 30 year to a 40 year mortgage. Giving them an estimated profit of $125, 665.59 in interest payments for a $2988.42 of past due payments They claim the house has equity which is not true. I have submitted a comparative market analysis of the property and the selling price of the house is $25, 000 below the mortgage amount. They have refused to accept the CMA but focus only on the assessed value which everyone knows is used for city/governments to collect taxes.

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Fannie Mae / The Federal National Mortgage Association [FNMA] No over sight

There is no over sight for wrong doings of the system, Fannie MAE is blameless because the appointments of power, from HomePath all the way down to the appointed realtor. The amount of abuse and back door dealing is appalling. Buyers are nothing but sheep to this system and the only fraud number leads right back to the wolf.
HUD guidelines are used as gospel but manipulated for profit and gain. If you make it out of the dark woods of HomePath, you then have to deal with the loan officer. Once again the gospel of HUD is told to you and when it comes out that the lenders version and the realtor’s version both don’t match HomePath’s version, it turns out it’s none of their fault it’s the buyer’s fault.
All of these organizations follow the same creed “WE HAVE IT; YOU WANT IT”. Without oversight of the system it only has one way to go, and that is down. It sure would be nice one time if the government could put guidelines into place for the people.
I am compiling all the facts in one document at this time, to publish and hopefully point out to the unsuspecting; the short falls of the system, and maybe just maybe I will find someone in the mess that actually wants to help.

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Sherry Day
, US
Jul 28, 2015 8:28 am EDT

YES I absolutely agree. The banks, the overseers, the agencies involved are all in cahoots. In particular I'm so frustrated as a buyer/investor with realtors who service these FANNIEMAE homes & do a huge disservice. They do not respond in a timely fashion to an inquiry, if at all. Listers are too lazy to show the property themselves & want to pawn a buyer off to their 'team mate' buyer's agent. Instead, FANNIEMAE's contracts should permit a savings on commission, i.e., they pocket more money & make deals more affordable, if buyers agents aren't always a part of the commission structure/deal. Most investors do not need a buyer's agent, just someone to open the darn door to the property!

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Fannie Mae / The Federal National Mortgage Association [FNMA] Underwriter Appraisal

Doubt any recourse is available for this situation. Appraisal and subsequent agreement both state property zoned residential (not quantified at all, just listed as residential R3. 7 years later we have decided we'd like to remodel with an addition and find that property is actually zoned business, single residences are non-conformance properties and this has been so for at least 20 years.
This will entail extensive meetings with the zoning board for waivers and exceptions and in the end they could reject every request.

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Fannie Mae / The Federal National Mortgage Association [FNMA] Getting Screwed by Agent and Fannie Mae

I PLACED A BID THROUGH HOMEPATH- FANNIE MAE FOR A HOUSE (811 LOUSIANA, NEW ORLEANS, 70115) AND MET THE FANNIE MAE ASKING PRICE (ACTUALLY ADDED A $1, 000+ TO ASKING PRICE). THE SELLING AGENT CAME BACK AND SAID THAT ALL OFFERS WERE REJECTED AND THAT HE IS TAKING THE HIGHEST BID IN THE NEXT 24 HOURS. WE ASKED WHY? NO RESPONSE...SOUNDS LIKE A SCAM...ASKED FOR THE ASSET MANAGER'S NUMBER AND NAME, THEY WILL NOT RELEASE IT...CALLED FANNIE MAE AND THEY ARE TELLING ME TO TALK TO ANALYST 2, LEFT MESSAGES, NO IS CALLING...FANNIE MAE WILL NOT GIVE NAME AND NUMBERS OF THE ASSET MANAGER OR A SUPERVISOR. I TRY CALLING AND JUST LEAVE MESSAGES...THIS IS A SCAM! WHO CAN I COMPLAIN TO WITH THE FEDS?

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Fannie Mae / The Federal National Mortgage Association [FNMA] Paul Whittle

After finding a condo a putting a bid that was accepted. Mr. Whittle called to set an appointment to close disregarding the fact that the house was currently rented. I informed him that I would not close until the renter had moved out. In the process of the inspection it came up that the ac unit was broken. He agreed to have it fixed before closing date. A month went by the renters moved and it was time to close. I asked to go do an assessment of the house to make sure the ac was working condition. Only to find out that it still has yet to be repaired. He still pushed to close without the ac being fixed. I offered to take the price of the new ac out of the cost and we would take care of fixing it. He claimed the seller refused which was odd considering it took him 3 minuets to respond to the email which doesn't seem like enough time to call the seller and get a real response. The behavior of Mr. Whittle was and still is very unprofessional. I would suggest avoid making business with this gentleman and his business American Allstar Realty.

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Fannie Mae / The Federal National Mortgage Association [FNMA] Pulled back on rental agreement

I am half way through the lease of a single detached home I 've been renting, The owner let it go to foreclosure, it went back to the bank (Fannie Mae). I finally got through to them to set appointment with there property management team to view my lease and we did agree on an amount and had the appointment set to sign the papers and I was told from the Property Mgr that Fannie mae pulled back and is moving forward with the eviction process.. I AM SO BAFFOLD and LOST in knowing my rights. I am a full time working single parent. Can they do that?

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chang30
horitso, US
Feb 13, 2012 5:52 pm EST

yes they can
they are going to throw your non-paying butt out in the cold and you will be living on the streets
your 'chillen' will be homeless with you too
you deserve this - remember - you deserve this...

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Fannie Mae / The Federal National Mortgage Association [FNMA] Fannie MAe Housing

We recently went into contract with Fannie Mae in November. We found a house listed around 160K W finally placed a bid and got the property at 137 after they ended up reducing the price after 2 months. We saw the house and placed our bid. Fannie Mae and us knew there were issues in the house since the beginning, before it was even listed. We were told that we could get some relief of the work that would need to be done for the house to pass appraisal and inspection. We went ahead and ordered the inspection. Fannie Mae had to send out their de-winterization people for the inspection to be done. The first scheduling the guys never showed! The second time we set up a time with them speaking eye to eye. They agreed to be there the following Monday. Monday rolls around, no de-winterization guys! So we had the agents set up a time with everyone. This included both the inspector and appraiser. We all show up and the de-wint guys actually do show up. They were supposed to get up everything up and running properly. Bleed the pipes for the heat upstairs etc. Well they were rushing their jobs and left BC they had another 'job' to do. Once they left the appraiser was checking upstairs bathroom. Well the guys left the bleeder valve open on the heater in the bathroom. AN INCH OF WATER all over the floor. Well were do you think that water was going to go? Since we had no towels, the water seeped through the floor and down to the kitchen ceiling.
This is after we went in 2x since we signed the contract, we found patches of ceiling and walls out of the kitchen and dining room. The sellers agent was never told about this and neither were we. We said those patches had to be fixed to the original condition of what we wrote the contract on. Fannie had someone come out to fix the patches BUT the house wasn't tempered and you cant patch drywall with out having the house tempered in winter weather! The Spackle will never dry correctly. So everything looked horribly done, plus not in the same condition as when we had signed.
So as everything was in place for the mortgage and on our end, there were repairs that needed to be done to make the house a livable condition. The heating system was not working properly, leaky valves etc, the door jams in the front and back door were rotted, and the electric wasn't working on half the side of the house!
These things needed to be repaired for our bank to give us a loan on the property. Fannie Mae would NOT negotiate price nor negotiate fixing anything with us. A few weeks away from closing and they aren't even helping us buy our first home!

FANNIE MAE IS A DISGRACE! They clam they want to get hard working Americans into homes but they cant even use some of their bailout money to fix what is probably peanuts in their eyes! I have never had such a bad experience in my life! I can not believe they shattered a families dream with only weeks to go. And the worse part that act like they can do anything they want! Isn't there anyone that should be controlling these people? Its a dirty business and they cant even sell half the house they buyout as it is!

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Fannie Mae / The Federal National Mortgage Association [FNMA] bids on there houses

I put a bid in on a house that was Fannie Mae/Reo owned that was priced way over what it was worth. The price 183, 600.00. my bid was 110, 000.00. This was a cash bid, no financing involved. We just received there reply and I quote buyer needs to come up with a serious bid or move on the price is 183, 600.00. I went to issue a complaint to Fannie Mae and wrote to the wrong department and was told that it would be sent over to there property department but if I wanted to talk to somebody then I could call [protected]. I did where I was informed that Fannie Mae does not negotiate prices, or allow bids to come into there offices, so I want to know who said No to the bid and can I sue Fannie Mae if they sell the house for less then the bid that they gave me that was 183, 600.00 @ because of discrimination of somebody who can pay cash over somebody that would have to have financing from them or any other financing company?

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Update by Kellysuesymons
Jul 31, 2011 1:43 am EDT

Did you look at the house? Better yet can you pay cash for a house or only for your English lessons, since you have such a great vocabulary

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mellrocks
Cranston, US
Oct 11, 2011 4:28 pm EDT

I put in a bid with FM too. They are shady and use unethical brokerages. I'm pretty sure the listing agent told the other party what my bid was, even though I had no idea of another bidder. This practice needs to be stopped! Please sign this petition!
http://signon.org/sign/stop-fannie-mae-reos?source=c.url&r_by=1135442

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Fannie Mae / The Federal National Mortgage Association [FNMA] Stay away

I bought a house in May 2009 in California. My job was transfered to Oahu so I had to move. Now I can’t buy another house because Fannie Mae rules state I have to have 30% equity in the Concord house, 30% equity in the house I want to buy and 3 month’s reserves in the bank to cover both houses even though I have a renter in the Concord house with a 2 year lease. I have the reserves but don’t have the equity. The reserves would have been my down payment, but now I will have no down payment. On top of that an FHA Loan requires PMI no matter how much I put down. What’s going on here? I make over 100k a year and can’t buy even the cheapest house. The rules have effectively banned the average homebuyer from getting a second house no matter what the circumstances. Only the rich can now buy a second home. The financial institutions can screw us by making ridiculous loans that trash the country’s economy and then, after getting huge bail outs at our expense, they can refuse to make reasonable loans to responsible people. I’m disgusted.

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Fannie Mae / The Federal National Mortgage Association [FNMA] Retaining Ernest Money

Seller refusing to retain Earnest Money after not responding within contract guidelines to repair request.
Notice of Contestment Non Return of Ernest Money
I Nichole Freeman Coleman previous potential buyer of property 657 Village Crest Circle Hoover, Al 35226 request return of earnest money funds for reasons cited below or arbitration hearing of the subject matter: Seller, requesting to keep 1000 in EM. My contest is as follows. Ernest Money per contact is based on inspection. Two inspections were complete on property and a list of repairs drafted on April 20, 2011. This list was provided to the seller no later than April 21, 2011 which was within contract guide lines. The seller had three days until April 26, 2011 to confirm or deny repair requests. The seller did not respond with time frame. When asked for status, I was advised by ReMax agent Charlene Carter: “the seller’s agent Ann is requesting please be patient.” She was waiting on another bid. This response occurred on numerous occasions. Finally on April 29 I began to receive the following text dialogue:
April 20, 2011 10:07 AM: Charlene Carter ReMax
Give me a call when you can. I have spoken to Ann and I need to go over some things with you.
Self-10:07 AM
Ok
During that phone conversation, I still did not receive confirmation for repairs. Call was to advise they are still gathering bids.
-------------------------------------------
May 1 2011 6:34 PM to Charlene Carter:
Hi Charlene. I sent you and Darryl an email with the proof the under writer requested in the approval statement.
May 1 6:35 PM to Charlene Carter
I also sent Joseph Brown the EFIS report. He wanted to include it with his.
---------------------------------------------------------
May 2 to Charlene Carter 12:33 PM
Did you hear anything?
Charlene Carter 12:36 PM
No not yet but I will let you know I did get your information yesterday
May 2, 2011 12:36 PM to Charlene Carter
OK
May 3, 2011 2:24 PM to Charlene Carter
Did y hear anything?

Fw: 657 Village Crest Circle-- EIFS
From: "charlene.[protected]@gmail.com"
View Contact
To: Nichole Freeman-Coleman
________________________________________
Sent via BlackBerry from T-Mobile
________________________________________
From: "ann"
Date: Wed, 4 May 2011 11:28:59 -0500
To:
Subject: Re: 657 Village Crest Circle-- EIFS

Charlene,
The lender for this property has called. I have talked with the contractor today and I will have his report today.
Ann Thomas
Assistant to Brian Bentley
Bentley Realty Group, Inc.
1929 Hoover Court
Birmingham, AL 35226
Office # [protected]
Fax # [protected]
email: [protected]@reo-group.net

From: charlene.[protected]@gmail.com
Sent: Thursday, April 28, 2011 6:53 PM
To: [protected]@reo-group.net
Subject: Re: 657 Village Crest Circle-- EIFS

Hi Ann,

We have an inspection and it also cost 500.00 we can get that one over to you or will she have to pay another 500.00?

My family is safe but we have no power which is only minor. I have asked the mortgage broker to forward you a copy will follow up with him.
Sent via BlackBerry from T-Mobile
________________________________________
From:
Date: Thu, 28 Apr 2011 15:47:50 -0700
To:
Subject: 657 Village Crest Circle-- EIFS

Hey Charlene,
I hope you are ok and your family as well.
I tried to call you in regards to the EIFS that the apprasier has called out on his report. I have talked with our contractor in regards to the EIFS inspection and this will have to be completed by contractor that specializes in this area. I have one in mind and he charges $500.00 for the report and this will have to be paid up front for.
Please get with your buyer and let me know. I will be getting in touch with this contractor to find out when he can go out.
Thank you,

Ann Thomas
Assistant to Brian Bentley
Bentley Realty Group
1929 Hoover Court
Birmingham, AL 35226
Office [protected]
Fax [protected]

May 5, 2011 Phone conversation approximately 9:30 PM:
Charlene advised the sellers (Ann) were still getting bids. She stated Ann was attempting to get bids for all the repairs and it wasn’t needed. Only repairs on appraisal report. I advised all bids are needed which are listed on the underwriters report. I also this was unacceptable. I needed documented commitment by Friday 6. The sellers had dragged their feet and I was working within set guidelines. I still didn’t know if they were going to say yes or no to the repairs. During that conversation, I also advised if I didn’t have the information by end of business day to cancel the contract and request my earnest money back.
--------------------------------------------------------------------------------------
May 6 8:45 AM to Charlene Carter and Darryl Richardson (Synovus Bank)
Good Morning. I sent you an email of the under writing approval. Number 8 lists all the repairs which have to be completed to close. I’m not sure if this is where the confusion stems. But the loan cannot close without the requirements being completed. I am simply requesting documentation from the sellers of a commitment for repairs completion by closing. If they are requesting documentation an extension, I need to know the length of the request also in writing to make a determination. Also attached is the good faith estimate which is available thru May 13, 2011. So I need to know this today. Thanks Charlene
----------------------------------------------------------------------------------------------
May 6 2011 2:37 PM from Charlene Carter
I need to send you something which is the best address?
2:37 PM to Charlene
Im at home
2:38 PM from Charlene
Ok here they come.
2:38 PM to Charlene
Ok
Fri, May 6, 2011 2:47:12 PM
Fw: Freeman
From: "charlene.[protected]@gmail.com"
View Contact
To: Nichole Freeman-Coleman
________________________________________
Sent via BlackBerry from T-Mobile
________________________________________
From: "ann"
Date: Fri, 6 May 2011 14:41:10 -0500
To:
Subject: Re: Freeman

1220.
Ann Thomas
Assistant to Brian Bentley
Bentley Realty Group, Inc.
1929 Hoover Court
Birmingham, AL 35226
Office # [protected]
Fax # [protected]
email: [protected]@reo-group.net

From: charlene.[protected]@gmail.com
Sent: Friday, May 06, 2011 2:40 PM
To: ann
Subject: Re: Freeman

Ann give me the amount of the repairs again please and can she see the estimate for the repairs.
Sent via BlackBerry from T-Mobile
________________________________________
From: "ann"
Date: Fri, 6 May 2011 14:28:33 -0500
To: DARRYL RICHARDSON
Cc: Charlene Carter
Subject: Re: Freeman

oh that is not what I was hoping to hear.
Ok Charlene, find out from your buyer, if she can pay the difference.
Then I will ask.
Ann Thomas
Assistant to Brian Bentley
Bentley Realty Group, Inc.
1929 Hoover Court
Birmingham, AL 35226
Office # [protected]
Fax # [protected]
email: [protected]@reo-group.net

From: DARRYL RICHARDSON
Sent: Friday, May 06, 2011 2:20 PM
To: [protected]@reo-group.net
Cc: charlene.[protected]@gmail.com
Subject: Freeman

The answer is yes to closing cost question. We are using the full amount, she had to pay the difference of the sales price to qualify.

________________________________________
NOTICE: This communication is intended only for the person or entity to whom it is addressed and may contain confidential, proprietary, and/or privileged material. Unless you are the intended addresse, any review, reliance, dissemination, distribution, copying or use whatsoever of this communication is strictly prohibited. If you received this in error, please reply immediately and delete the material from all computers. Email sent through the Internet is not secure. Do not use email to send us confidential information such as credit card numbers, PIN numbers, passwords, Social Security Numbers, Account numbers, or other important and confidential information.

Fri, May 6, 2011 2:44:46 PM
Fw: Freeman
From: "charlene.[protected]@gmail.com"
View Contact
To: Nichole Freeman-Coleman
________________________________________
Sent via BlackBerry from T-Mobile
________________________________________
From: charlene.[protected]@gmail.com
Date: Fri, 6 May 2011 19:40:44 +0000
To: ann
ReplyTo: charlene.[protected]@gmail.com
Subject: Re: Freeman

Ann give me the amount of the repairs again please and can she see the estimate for the repairs.
Sent via BlackBerry from T-Mobile
________________________________________
From: "ann"
Date: Fri, 6 May 2011 14:28:33 -0500
To: DARRYL RICHARDSON
Cc: Charlene Carter
Subject: Re: Freeman

oh that is not what I was hoping to hear.
Ok Charlene, find out from your buyer, if she can pay the difference.
Then I will ask.
Ann Thomas
Assistant to Brian Bentley
Bentley Realty Group, Inc.
1929 Hoover Court
Birmingham, AL 35226
Office # [protected]
Fax # [protected]
email: [protected]@reo-group.net

From: DARRYL RICHARDSON
Sent: Friday, May 06, 2011 2:20 PM
To: [protected]@reo-group.net
Cc: charlene.[protected]@gmail.com
Subject: Freeman

The answer is yes to closing cost question. We are using the full amount, she had to pay the difference of the sales price to qualify.

________________________________________
NOTICE: This communication is intended only for the person or entity to whom it is addressed and may contain confidential, proprietary, and/or privileged material. Unless you are the intended addressee, any review, reliance, dissemination, distribution, copying or use whatsoever of this communication is strictly prohibited. If you received this in error, please reply immediately and delete the material from all computers. Email sent through the Internet is not secure. Do not use email to send us confidential information such as credit card numbers, PIN numbers, passwords, Social Security Numbers, Account numbers, or other important and confidential information.
Fri, May 6, 2011 2:44:26 PM
Fw: Freeman
From: "charlene.[protected]@gmail.com"
View Contact
To: Nichole Freeman-Coleman
________________________________________
Sent via BlackBerry from T-Mobile
________________________________________
From: "ann"
Date: Fri, 6 May 2011 14:28:33 -0500
To: DARRYL RICHARDSON
Cc: Charlene Carter
Subject: Re: Freeman

oh that is not what I was hoping to hear.
Ok Charlene, find out from your buyer, if she can pay the difference.
Then I will ask.
Ann Thomas
Assistant to Brian Bentley
Bentley Realty Group, Inc.
1929 Hoover Court
Birmingham, AL 35226
Office # [protected]
Fax # [protected]
email: [protected]@reo-group.net

From: DARRYL RICHARDSON
Sent: Friday, May 06, 2011 2:20 PM
To: [protected]@reo-group.net
Cc: charlene.[protected]@gmail.com
Subject: Freeman

The answer is yes to closing cost question. We are using the full amount, she had to pay the difference of the sales price to qualify.

________________________________________
NOTICE: This communication is intended only for the person or entity to whom it is addressed and may contain confidential, proprietary, and/or privileged material. Unless you are the intended addressee, any review, reliance, dissemination, distribution, copying or use whatsoever of this communication is strictly prohibited. If you received this in error, please reply immediately and delete the material from all computers. Email sent through the Internet is not secure. Do not use email to send us confidential information such as credit card numbers, PIN numbers, passwords, Social Security Numbers, Account numbers, or other important and confidential information.
Fri, May 6, 2011 2:43:50 PM
Fw: Freeman
From: "charlene.[protected]@gmail.com"
View Contact
To: Nichole Freeman-Coleman

2 Files Download All
[protected].html (1KB); DARRYL RICHARDSON.vcf (1KB)
________________________________________

Sent via BlackBerry from T-Mobile

-----Original Message-----
From: "DARRYL RICHARDSON"
Date: Fri, 6 May 2011 14:20:33
To:
Cc:
Subject: Freeman

The answer is yes to closing cost question. We are using the full amount, she had to pay the difference of the sales price to qualify.
http://www.complaintsboard.com/complaints/the-spider-man-pest-control-centerville-utah-c483481.html
-----------------------------------------
NOTICE: This communication is intended only for the person or
entity to whom it is addressed and may contain confidential,
proprietary, and/or privileged material. Unless you are the
intended addressee, any review, reliance, dissemination,
distribution, copying or use whatsoever of this communication is
strictly prohibited. If you received this in error, please reply
immediately and delete the material from all computers. Email sent
through the Internet is not secure. Do not use email to send us
confidential information such as credit card numbers, PIN numbers,
passwords, Social Security Numbers, Account numbers, or other
important and confidential information.
Inline Attachment Follows: [protected].html
The answer is yes to closing cost question. We are using the full amount, she had to pay the difference of the sales price to qualify.

________________________________________
NOTICE: This communication is intended only for the person or entity to whom it is addressed and may contain confidential, proprietary, and/or privileged material. Unless you are the intended addressee, any review, reliance, dissemination, distribution, copying or use whatsoever of this communication is strictly prohibited. If you received this in error, please reply immediately and delete the material from all computers. Email sent through the Internet is not secure. Do not use email to send us confidential information such as credit card numbers, PIN numbers, passwords, Social Security Numbers, Account numbers, or other important and confidential information.
Inline Attachment Follows: DARRYL RICHARDSON.vcf
BEGIN:VCARDVERSION:2.1X-GWTYPE:USERFN:DARRYL RICHARDSONEMAIL;WORK;PREF;NGW

2:45 PM to Charlene
I am missing some info.
2:48 PM from Charlene
Yeah I am going to call you asap I am actually in the chair right now getting my hair done and the emails are going to help when we do talk.
2: 48 PM to Charlene
Ok
3:07 PM to Charlene
We’er you trying to send attachment?
3:09 PM from Charlene
No I don’t think So
3:10 PM to Charlene
U didn’t send any info
----------------------------------------------
Phone call from Charlene to advise the sellers are requesting a one week extension to May 27 and they have completed the list of repairs. The list totals 1220. They request I make the repairs. I advised Charlene, I look like a fool making repairs for a house that is not mine. Charlene then advised They offered the following. I pay for the repairs at closing. They reduce the selling price. I asked Charlene if the 1220 included the 500 the were to pay? Charlene said she would call me back after asking.
May 6 3:53 PM to Charlene
Ask her what r the repairs for. Where’s the breakdown?
3:57 Pm from Charlene
Remember I did. I sent you the email showing where I asked for a copy of the estimate and I will let you know.
3:59 PM to Charlene
Ok. Not complaining. But seems really cheap compared to 25k .
4:01 PM from Charlene
Yeah I know that is why I wanted to see this information.
5:06 PM to Charlene
Did she respond?
May 9, 2011 4:06 PM
Hey Nichole, Please give me a call when you can. I have spoken to the agent.
May 10, 2011 11:59 AM
Hi Nichole, I have a document for you extending closing one week for on or before May 27th. Please let me know where to send it Thanks!
May 10 12:26 PM to Charlene
Charlene I confused. On Friday I sent a message asking for info by that day. It was not received. I am not paying for any repairs or agreeing to an extension. I explained to you Thursday, if I didn’t receive the info by Friday. I wanted my EM back.
Phone call to Charlene approximately 3:45 PM
I advised Charlene to cancel. Charlene advised she had spoken to Darryl and he has contacted sellers. He requested they provide the breakdown of repairs to the back. The bank would hold the money for repairs in an escrow account with any attorney payable upon completion. Also that it was the banks intention to make sure I do not move twice, so that we could close on Friday May 13, 2011. I asked what about the money I needed to bring to closing. Reminded I have to request funds. And that I advised all parties of this. Charlene advised she would call me back after speaking to Darryl. Asked that I call Darryl
Darryl advised he spoke to Ann and she was to send the repair list and cost request to the bank that day. Confirmed the funds would be placed in escrow with an attorney. The repair list had to be approved by the bank. I asked about the money I needed to request, He advised he would call my back Wed money.
Wed May 11, 2011
Phone call to Darryl aprox 11:45
Darryl advised he had not received the repair request and would call Ann then to request it again.
----------------------------------------------------------------------------------------
Thursday May 12, 2011
Call to Darrly Richardson – No answer
See attached email to Charlene Carter and Darryl Richardson
Thursday May 12 4:45 PM to Charlene
Did u get my msg?
5:01 PM from Charlene
I did
May 13, 2011 10:03 AM from Charlene
Good Morning!
The seller is saying they are willing to make repairs and asked for an extension until the 27th of May. Now with that being said they want to retain your earnest money because you want to cancel the contract before the end of the contract of May 20th. They are saying they are willing to complete the contract and they will allow cancelation but they will retain the earnest money. They seller is saying they are in compliance with contract. Please let me know your thoughts on all of this.
May 13, 2011 10:06 AM to Charlene
Review the contract for conditions regards reply to repairs and also they cannot have an extension. Also they didn’t provide the requested documents that were requested. They are out of compliance.
May 13 2011 10:10 AM To Charlene
Also I never agreed to exact terms of repairs.
May 13 2011 10:11 to Charlene
I advised last week what I wanted.
May 13 2011 10:22 AM from Charlene
I have been working on this since that time relaying information and trying to since that time now going on seven days to get done what you asked of me.
I work for you and I am trying to successfully complete this for you. At this point the seller is saying they are in compliance and they are willing to complete the contract therefore they want to retain the earnest money funds.
May 13, 2011 10:48 AM to Charlene
Let me ask you this. In your professional opinion, are they in compliance? Did they adhere to the terms of the contract? I say no. Bu I want to know what you think?
May 13, 2011 10:50 AM from Charlene
Ok
----------------------------------------------------------
Phone call to Charlene May 13, 2011 approximately 4:00 PM
I verbally ask the previous question to Charlene. Charlene advises she will putt the contract and call back.
Charlene calls back with the contract and confirms no the seller didn’t respond with in time line outlined by the contract.
----------------------------------------------------------
May 16, 2011 9:00 AM Call from Darryl
Called to advise he did receive the 1220 break down from the seller which the bank rejected. Also advised the seller had to fix everything on the underwriters report and I didn’t have to pay anything. I advised Darryl I did not receive any communication advising those facts. I also confirmed to Darryl I moved and incurred expenses moving and have to be bought out of my lease. Darryl said he would contact the sellers for possible compensation and would call back in an hour.
About two hours Darryl calls back to advise the sellers will not provide funds toward move or lease buy out. I advise Darryl, I am content and do not have to move. I also advise that the fact that I was almost homeless was not important to anyone else. Nobody cared because it didn’t affect them. The sellers dragged their feet and I didn’t receive proper communicated facts. I advised him I would request the release form from Charlene again.
May 18, 2011 Call from Darryl 11:00 AM
Darryl called to advise he would give 800 towards my move. The sellers will only provide five hundred towards repairs. Then he asked how can we get this deal closed? I advised Darryl repairs are more than five hundred. He says only 1220. At that point my phone died. I didn’t call back. He sent a text asking if he did something wrong? I advised yes. He claimed he was only trying to help.
In addition A copy of completed contract is attached for review.
In conclusion, the seller’s extension was rejected. They did not reply to request for information for repairs in a timely matter. Based on the contract, I am entitled to refund of EM funds. I am requesting refund of earnest money funds mailed to the following address.
140 6th Ave N. Bessemer, Al 35020
Best Regards
Nichole Freeman Coleman

I
Bottom line- sellers are not entitled to earnest funds contract terms were not adhered to. Sellers are not where not in compliance with repair guidelines
.

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