Dovenmuehle Mortgage review: Special loans/assumptions department

As part of a court-ordered divorce settlement, I submitted a complete loan assumption package on December 19, 2024, including a $1,000 processing fee. Months went by, I continued to follow up with no clear answers, just delays and miscommunication. I received no response until April 2, 2025, when I was verbally informed of a denial due to a title issue. I immediately corrected this by submitting a recorded lien release and updated income documentation on April 3, 2025.

Due to the lack of written communication and the inconsistent verbal responses I received, I filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) on May 29, 2025. Dovenmuehle Mortgage responded to the CFPB blaming the delay on their use of a third-party underwriter — an explanation that does not excuse their failure to comply with federal regulations, including the Equal Credit Opportunity Act (ECOA) and Regulation B, which require an adverse action notice within 30 days of a completed application.

I submitted an assumption appeal on April 7, 2025, and in their response to the CFPB dated June 13, 2025, Dovenmuehle stated that the appeal was still “under review” and expected to be completed within ten days. However, several months have passed, and despite repeated follow-ups, I continue to be told that the appeal is still pending.

On September 16, 2025, I spoke with a representative in the Assumption Department who said she would escalate the matter. Later, I received a message from Special Loans Administrator Prathima Surapaneni claiming that the assumption was canceled by their Loss Mitigation department because the borrower resolved the delinquency without proceeding with the assumption. This is demonstrably false.

I personally paid the delinquent amount of $11,563.12 on June 18, 2025, and I never requested the assumption be closed or canceled. Loss Mitigation did not initiate or pay for my assumption process; the Special Loans advisor is outright lying.

Despite their mishandling of the application process, failure to provide a timely and clear adverse action letter, and lack of guidance on what was needed for approval, Dovenmuehle denied my loan stating that I did not meet the credit requirements. I have provided all of my credit reports from the date of application to the present, showing that my credit score has consistently exceeded the minimum requirement of 620 — averaging 640 and currently 670.

Now, after months of delay and miscommunication, the company is demanding that I complete another loan assumption packet and pay additional fees. This is obviously their way of deterring me.

I was awarded my home in a divorce settlement and have a very good interest rate which is the absolute only reason I haven't tried to refinance with another bank. I encourage everyone to run as far away as possible. They are terrible to do business with. We obtained the loan from Ameris in 2016 and have been forced to deal with this unprofessional company ever since.