Caliber Home Loans

Caliber home loans was totally inept and clueless when processing our loan. so many errors were created by the processor and consultant, causing our closing to constantly be rescheduled and application expired (changed - address, tax and bank info, relatives info?, etc.). we had sent wire transfer of our closing funds and finally received this email "everything just came in. what is a good time to close? the title company doesn’t have 4pm available, so they’re going to be reaching out to everyone to pick an ideal time later this afternoon. caliber home loans, matthew r. edwards, loan consultant" I arrived first at the title co. and everyone was ready and waiting except caliber.
We never closed! our realtor notified us - the lender had cancelled.
We had canceled our rental lease and had shown the house. the movers were scheduled the very same weekend! luckily, the house had not been rented.
Our next loan co. fairway, was terrific - we closed on time.

Except for the amount (which was higher loan) - this story is almost exactly like mine. Did you ever get any help? Did you see this thread? (Vericrest Financial — Complete Scam, broke laws)

I have sent insurance verification i have had thru Gmac for the past 5 years. They keep threatening me to charge me for their insurance. This is a con. Vericrest Financial should be stopped this fraudulent practice. My next stop is the Nys attorney General.

A lawyer wants to help you

Ask for
Michelle
Atkinson, Andelson, Loya, Ruud & Romo
20 Pacifica, Suite 400, Irvine, California 92618
Main [protected]

First off I would contact the Better Business Bureau(Website) in fact when you have any problems with any business report it to the BBB, they have 101 complaints against them(Vericrest) there, you can even see some of the complaints against them there. The BBB as they are called will get Vericrest to help you. Those other people who complained to them got results. Also I used the BBB cause I discontinued my Cable and took every thing back and they kept taking money out to pay it even though I discontinued. Some of the bad results when you sign up for automatic payment. Well the BBB did a great job with my problem. We also got sold to Vericrest all because we applied for a loan modification(denied twice) with Chase Bank. Are you even sure Vericrest holds the note on your property? Freddie Mac holds ours yet our servicer is Vericrest now. We are behind a month cause we got a call from a place that does Loan Modification we were told to with hold 2 months and the guy never really called us back I complained To New faith outreach and they set us up with someone else after they made us pay them one payment of the money we with held as they told us. Now I have to report them to get our money back. If I ever have problems with them I will go straight to the BBB, cause they get results

Hi,

My name is Sarah, I am posting this reply for you because saw the multitude of comments replies about Vericrest Financial INC being involved with various mortgage companies and frauds. I work for a company that deals with these types of situations. Vericrest Financial INC has been one of the names that has been coming up a whole lot lately. It seems they are involved with a ton of fraudulent loans.
We will be able to advise, consult and educate you. You may be able to receive the compensation you deserve due to the negligence of the lenders involved. it is your obligation to yourself to use your last means of defense to get to the truth of this matter. Once you provide evidence that they have been collecting on your property illegally you can void the deed of trust.

When and/if your property is being foreclosed on one of the things we do offer is a packet for a Stay of Execution which has stopped at least two of our clients from losing their homes until we were able to finish the investigation for them.

Please get into contact with myself or the company as soon as possible to see what we can do to help you with this. Trust me its worth it. I would encourage you and anyone who has contacted you to get in touch with us ASAP.

Below I will leave a brief explanation of what we do and all the contact numbers along with the facebook page and website. I also have an email newsletter and PDF for you to review if you wish to review them send me an email and I will get them both to you.

Sincerly,

Sarah Shepard

Our corporate mission is to provide best industry forensic loan audit services being recognized as the industry's “gold standard” known for integrity and transparency. ADP’s highest priority is to become the leading audit service provider while facilitating an industry need for additional services assisting the legal profession in its ongoing quest to uncover errors and misrepresentations in legal documentation.

The primary goal is to provide the finest and most comprehensive suite of products and services in the business. ADP, reviews each file to ensure compliance with respect to investor and regulatory requirements along with sound responsible underwriting that ensure closing decisions were appropriately enacted.

A forensic loan audit looks at loan documents for miscalculations, and it requires performing thorough investigations to determine if the loan terms are accurate, truthful and meet requirements of the applicable federal statutes.
These regulations include the Truth in Lending Act, the Home Ownership and Equity Protection Act, and the Real Estate Settlement Procedures Act (RESPA).

Here are the website and Facebook links: Contact Numbers:
Our Toll Free number
http://ameridocsprocess.com/ [protected]
https://www.facebook.com/ameridocsprocess?ref=hl
Personal Cell Number:
[protected]

Here is the Link to the interactive PDF:
http://ameridocsprocess.com/sarah.php

Feel Free to email me@:
ahradiollc@hotmail.com
or
AmeriDocsProcess@gmail.com

Same thing happened to my mother. We had to come up with over $5k in a week or they were going to auction her house. People actually came to her door and asked if they could look inside before the auction.
This is in Missouri - Happened in May 2013
We were told if they didn't get their money by "Monday" there was nothing they could do. We managed to scrape up the "casH" as that is all they would take by Monday, but they didn't remove the foreclosure for 2-weeks. I contacted the Attorney General in Missouri but nothing ever came of it. We are currently looking for a new mortgage company! DO NOT GET TANGLED UP WITH VERICREST.
My question: How can they stay in business?

Corey Payne at extension 1683 is a smooth talking liar. He pretended to wanna help us with our mortage payments that fell behind after a back injury, but because I didn't schedule payments through him after he would not answer he cancelled my payments that I set up with another vericrest employee. If this isn't a ego Idon't know what is and then he lied and said his manager told him to remove which was a lie. she reinstated my arrangements and told me she question him about this and denied she ever told him to do such a thing. She seems to be heplful but did he.

rambod99 did you pay? I hope not.

You guys should head to debtorboards.com. There are people fighting these low lifes and winning and sharing their experience and expertise.

I agree they did almost the same thing to me, wellsfargo sold my loan 1 week before the sale date. I managed to pay vericrest and get the house out of forclouser. soon after they sent me a letter saying wellsfargo did not pay the propoerty tax and I have to pay additional $1000 per month to catch up. This compnay is nothing but a scam and everyone that works there is a collector and not a servicing company as they claim.

Yes, I agree...try righttocancel.com and foreclosurefraud.com...fight back. all your dealing with is debt collectors, not your lender!
Contact the Consumer Financial Protection Bureau and let them know what is going on and they can help you free...they are looking for complaints from banks about now during all these changes and new regulations being slapped on to them...

I went the same thing with Vericrest. It was a horrible experience. They ended up foreclosing on us. We was even approved for a short sale with them. Was told we could stay in house til we sold. Lies, the foreclosed on us. The land that my house sits on has been in my family for over 60 years. I lost it due to the lies and deceit through this company. It has been over 6 months since they forced us out. Right at Christmas time. Was told we could stay until after first of year. Nope sheriff showed up and we had two weeks to move. I still cry on a nightly basic. I have to drive by the house everytime I visit my family. I am a bitter person right now. This company can go ____________________________ well you get my drift.

January 9, 2012 AFTER 1 YR. AGAIN AND AGAIN... SENDING THEM INFORMATION AND I AM TRYING AGAIN... THEY SAID NO! MY INTEREST RATE ON MY MORTGAGE IS LOWER THAN WHAT THEY CAN OFFER ME... WHY TELL ME OR OFFER A MOD. IF THIS WAS THE ANSWER THEY WERE GOING TO GIVE ME... WHY... THIS IS A SCAM!

Dear Modification Department of Vericrest Financial,

Before looking through all of my documents, I would appreciate you reading this letter to understand what my situation has been the past year.

I originally had my mortgage with Citi Mortgage. I was paying my mortgage payments and then was laid off from my job. When I called them to discuss my financial status with them they offered me a program to reduce my payments during unemployment. This offer sounded good to me until I could find a job and then at that time I can resume my life. At the end of the 6 months they then told me that I had to pay them $20, 000.00 in order to go back to my regular mortgage agreement. This money had to make up the difference of the lower payments that I made. I was mislead by them and understanding that the money was going to be put towards my principle. However this did not happen and I had to give them $20, 000.00. I returned to work at that time, they told me about a modification. It is great and would lower your payments. Well this was another mistake, I should have never agreed. I do not know why they even suggested that to me. A couple of months later that the government program I did not qualify for because I was making to much money. They suggested an In Home Modification. As another month went by during of which they were working on my modification they sold my mortgage to your Company, Vericrest. When your company talked to me they assured me that I would qualify and they would continue to get me into a modification program. Well I have called many, many times, sent over all of my information, talked to several people and each time explaining that I sent over documents and again they assured me that they were working on a modification. Your department also told me that they were very behind because of all of the customers that were out of work and getting new customers as myself from Citi Mortgage Company. At that time they said the government modification has been denied but will be trying to put me in an In House Modification. As I then got very frustrated and having medical problems from all of the stress, I turned to a lawyer. At this time my lawyer assured me that with my income there would be no reason for me not to qualify. It would take no longer than 3 months and there was a 99% chance that I can put this behind me. I have sent the lawyer all of my information again and Mr. Wigfield told me that Colleen in his office will stay on the phone with Vericrest and keep trying to understand why my modification In home was taking so long. Again, Colleen assured me that she deals with this all of the time and there was no need to loose sleep over this. I called Mr. Wigfields office the beginning of December and asked for Colleen. “Colleen NO LONGER works here”. All of this time she assured me that she was taking care of everything and was in contact with your office. What was she doing? She said you were doing a In-Home Modification. She also said that your lawyers have agreed to work with us. AGAIN, being lied to and mislead. Mr. Wigfields office also said that months ago this should have been taken care of and doesn’t know what happened. I WANT TO KNOW WHAT HAPPENED! DO THEY KNOW WHAT THEY HAVE DONE TO ME, I AM FIGHTING TO KEEP MY HOME NOW!

I called NOVA Debt. A non profit organization that is affiliated with the US government. They agreed that I have been mislead and will try to lead me in a good direction. The direction lead back to your office. Your office told Susan (Novadebt) that if I send in all of the enclosed information that they would do another modification. Since the rates are lower now that I had a good chance to put this behind me.

Remember, for every person that said they were going to help me has now put me in a greater debt, does anyone realize that this is my home? Has this been a game for them? I am 52 years old and want to keep my home and was able to keep it and financially afford it with the same income that I have made through the years. With the same income of 11 years I have kept my home, I also refinanced it with Citi Mortgage Company, I was employed and unemployed and I do not see any reason why now I wouldn’t get my mortgage back to the way it was. I have invested my life's savings and I hope you can work with me. Put yourself in my situation, you would have ended up the same way as I have.

January 9, 2012---THIS IS A LETTER THAT I HAD TO SEND TO VERICREST ... THIS IS ABOUT THE 3RD TIME I HAD TO BEG THEM TO FOLLOWING THROUGH... AFTER TELLING ME IT TAKES A COUPLE OF WEEKS HAS TURNED INTO 1 YR!

Dear Modification Department of Vericrest Financial,

Before looking through all of my documents, I would appreciate you reading this letter to understand what my situation has been the past year.

I originally had my mortgage with Citi Mortgage. I was paying my mortgage payments and then was laid off from my job. When I called them to discuss my financial status with them they offered me a program to reduce my payments during unemployment. This offer sounded good to me until I could find a job and then at that time I can resume my life. At the end of the 6 months they then told me that I had to pay them $20, 000.00 in order to go back to my regular mortgage agreement. This money had to make up the difference of the lower payments that I made. I was mislead by them and understanding that the money was going to be put towards my principle. However this did not happen and I had to give them $20, 000.00. I returned to work at that time, they told me about a modification. It is great and would lower your payments. Well this was another mistake, I should have never agreed. I do not know why they even suggested that to me. A couple of months later that the government program I did not qualify for because I was making to much money. They suggested an In Home Modification. As another month went by during of which they were working on my modification they sold my mortgage to your Company, Vericrest. When your company talked to me they assured me that I would qualify and they would continue to get me into a modification program. Well I have called many, many times, sent over all of my information, talked to several people and each time explaining that I sent over documents and again they assured me that they were working on a modification. Your department also told me that they were very behind because of all of the customers that were out of work and getting new customers as myself from Citi Mortgage Company. At that time they said the government modification has been denied but will be trying to put me in an In House Modification. As I then got very frustrated and having medical problems from all of the stress, I turned to a lawyer. At this time my lawyer assured me that with my income there would be no reason for me not to qualify. It would take no longer than 3 months and there was a 99% chance that I can put this behind me. I have sent the lawyer all of my information again and Mr. Wigfield told me that Colleen in his office will stay on the phone with Vericrest and keep trying to understand why my modification In home was taking so long. Again, Colleen assured me that she deals with this all of the time and there was no need to loose sleep over this. I called Mr. Wigfields office the beginning of December and asked for Colleen. “Colleen NO LONGER works here”. All of this time she assured me that she was taking care of everything and was in contact with your office. What was she doing? She said you were doing a In-Home Modification. She also said that your lawyers have agreed to work with us. AGAIN, being lied to and mislead. Mr. Wigfields office also said that months ago this should have been taken care of and doesn’t know what happened. I WANT TO KNOW WHAT HAPPENED! DO THEY KNOW WHAT THEY HAVE DONE TO ME, I AM FIGHTING TO KEEP MY HOME NOW!

I called NOVA Debt. A non profit organization that is affiliated with the US government. They agreed that I have been mislead and will try to lead me in a good direction. The direction lead back to your office. Your office told Susan (Novadebt) that if I send in all of the enclosed information that they would do another modification. Since the rates are lower now that I had a good chance to put this behind me.

Remember, for every person that said they were going to help me has now put me in a greater debt, does anyone realize that this is my home? Has this been a game for them? I am 52 years old and want to keep my home and was able to keep it and financially afford it with the same income that I have made through the years. With the same income of 11 years I have kept my home, I also refinanced it with Citi Mortgage Company, I was employed and unemployed and I do not see any reason why now I wouldn’t get my mortgage back to the way it was. I have invested my life's savings and I hope you can work with me. Put yourself in my situation, you would have ended up the same way as I have.

I was with Citi Mortgage after a Unemployment program. Then told me to try to Modify my loan. During that time they sold my mortgage to Vericrest Financial and then I have been trying to get my loan modified Since Last yr. I went to a Lawyer Scara, Wigfield in Wayne NJ and they said they would handle it. They never did, the girl in office made only a couple of calls. She is no longer with the company. They just apologized to me! Now I took it back into my hands and Vericrest said that now after my review my mortgage loan is a lower interest rate then the modification. They have now started foreclosure procedures... This is only a brief summary of what my nightmare has been for over 1 yr. MORTGAGE COMPANIES SHOULD NOT SCAM PEOPLE AS MYSELF AND NOW I HAVE TO PAY THEIR LAWYER FEES AND LATE CHARGES! LATE CHARGES SINCE I HAVE BEEN WAITING FOR THEM FOR OVER 1 YR... I AM HAVING A NERVOUS BREAKDOWN... I CRY AND I AM SOOOOO UPSET I CAN NOT BELIEVE THIS IS HAPPENING TO ME... WHERE IS THE GOVERNMENT? WHERE ARE PEOPLE TO HELP US! I AM NOW WITH THE HOMEKEEPER PROGRAM... I HOPE WE CAN TAKE THEM TO COURT... ... NJ RESIDENT

They do need to be investigated. Everybody who has them should complain to the FTC, FDIC and their state Attorney General. Also, complain to your state and federal govt representatives.
I've experienced first ham their horrible tactics.

I empathize with you as well. I had my mortgage sold to them some time ago and have had nothing but negative experiences with each encounter. I applied for a loan modification for a hardship I never even got a response from the company! I then filed Bankruptcy, had to accept the same high interest rate, taxes not escrowed to keep my home. I recently have asked them about a lower payment, due to having a hard time paying my taxes and they lied and told me they had a program available that could help me that because I paid the first half of the year's taxes if I paid an additional $200 amount they would pay the remaining amount for me for this year to catch my account up. I would then have an escrow account set up going forward. I paid the $200 amount waited 2 weeks and called them and was then told the program was over they were not offering that anymore. I was furious. I said do you make notes that something was promised or in process, what happened? I did not even get a letter in the mail if there was criteria I had to meet, the only thing I was told by a phone rep was I don't know I am sorry. I asked to speak to a manager to get more specifics. He said they were in a meeting put me through to a voicemail, I left a message asking for a callback and I never even got that from the company. I wish I had my mortgage with someone else as well!

I empathize with you. I have experienced their lack of customer concern and the games they play. Have reported them to the FDIC, FTC and my state Attorney General and Division of Insurance and Investments, et. Everybody should complain toeverybody they know about this. Go to your house of representatives for the US and your state, e tc. Also, try respected attorney. And try Credibility and some of the other counseling services.

Stealth Pilot Your right it is due the same time every month but these people will also change the amount due on you without even being late so I want my statement here on time to see so I can dispute changes in my amount due

We have been having the same problem for over a year. Our mortgage is due on the 17th right now it is the 12 and we still have not gotten it, online it says the statement was generated on the third but they never mail them on that date it usually takes at least a week from that date for them to mail them and then 3 to 4 days for it to reach us. I too have been told for over a year they are working on this. They are complete liars!

Yeah, though sometimes you do not have a choice which mortgage company you do business with, not when the bank sends you to a different server. I take it Chase Bank is punishing us cause we signed up for a loan Modification, cause after they denied us we were sent to Vericrest which by the way changed their name in May 2013. Probably cause of 101 complaints against them at the Better Business bureau(BBB) if you go to their website you can see some of them. Veri-Crest does not hold our note Freddie Mac does. In fact we asked Vericrest to send us a loan modification(Month ago) and they said they would send it yet we never got it. I'm going to ask them again, and if they do not I will contact the BBB. And I think there might be someone else we can report them to also.

I also have been trying to talk with the Escrow Dept.. I have alrady called 4 times and told every time, they have to call you- that is crap-Every year my Eascrow comes up as a shortage- even my local tax collector can't understand t hat-
I was with CIT and when Vericrest took over- 2009- everything was fine-
Ihave now been going around with sewage/garbage since January - which my city changed to an outside company- and for almost 28 yers- the mortgage company paid- so I have been going around and around and finally- October- we were told it is the homeowners responsibility to pay- well- I got hit with a bill for around $400 and paid and when I received my statement- there was anadded $100 added on for 'corp adv'- called customer service and they had no clue what it was for, I think legal fee- since I was told by cust. rep. the previous call that they will not pay the sewage/garbage-
This is SO frustrating... I just want to sell this house and get away from them...

I have been waiting for the escrow department to call me for 3 months, our house is going up for sheriffs sale in September. Today I spent an hour tiring to tell them I will not pay another cent until the back taxes are paid. 2008 and 2009 and now 2010 are not paid, I stopped paying my payments in march and now they want to foreclose. I talk to 4 different people and been documenting everything. I just don't know how to get them to pay this up with out screwing myself. I even have faxed them all info on taxes and still nothing. I am done with dealing with this company and have a buyer for my home.I hope they pay the taxes before closing so I don't have too!