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To all who are investigating Nationstar mtg and their business practices. Investigate the interest rate changes in your ARM loans. Twice this company has failed to notifiy untill after the fact adjustments in interest rate being lowered which lowered my payments. Guess they figured I would not notice since I pay more than my minimum payment every month. WRONG I keep a very close eye on this company. When I notified them of their error on my billing they corrected the payment amount but I had to request a full print out of my loan history and tell them I would be contacting an attorney before they transfered the amount they overcharged in interest to the principle of my loan. May I also suggest that anyone who has Bill Pay with a bank that covers late fees set up their payments to Nationstar with this service. When I was mailing them my checks myself for some reason they were "late" maybe lost in the mail or more like on someones desk until the date the late fee would kick in. After 2 times of having to deal with my bank on these "late fees" instead of myself they suddenly seem to be able to post my payments on time. This is not a reliable company which you can trust to post items correctly and in a timely manner. They push to the limit the interperation of the lending laws. Keep very close eyes on all dealings with them and keep records and copies of all paperwork.
We paid cash for our home in 2003. We needed to expand our home so we took out a mortgage with Nation star. Everything was going great till the economy took a hit. NSM tried to set us up the Obama plan, Did not qualify. So they did there in house modification that's when the night mare began. We were told our payment would be $537 a month for 1 year with a 5% interest rate. Well once we signed the docs for this program we found out that our payment was $807 a month! I was floored. I called NSM and asked why they told me I agreed to put my home in escrow. We pay our own insurance on the side and always have, they told us we could no longer do that. During all this they kept telling me I do not need to make a payment for 60 days, we thought cool. That would help us out a lot. Damn were we wrong. Now I am setting in foreclosure trying to save our home. I came up with the money we were behind, mailed it to the company on my default letter. NSM told me I could not do that. That they could not understand why I would send that company there money. I explained to them I was told to on my default letter. They said no way you could have been told that. I was on the phone today with 5 different people trying to get this taken care of. Finally I spoke with a young lady name Stephanie, she called me in January and said she would be handling my account now. Told her ok and explained what I was trying to do to come up with the money. she said ok just keep me posted. I talked to her today and she told me she called me in January sent me an e mail (which I never received) I told her I left her a voice mail today and asked for her to call me back, Stephanie stated she does not have time to check her voice mail, but it is a form of communication for them? made no fracking sense. Every time I questioned her about somnething she got defensive. She finally told me she would not talk to me anymore because I was attacking her and she hung up on me. Is there any help out eir for us who are in this jam with NSM?
I have been trying to have my home loan modified or at least considered for modification for past 6-8 months by Aurora loan services. I provided all the documents in August of 2009. They are still asking to have 2 more weeks to just give me an update on the status of my loan modification request. It seems that delay is their way of providing service to their customers.
I just called them and asked for the name of Aurora Loan Services president. The response was that I needed to submit my written request via fax to a number they gave me! It appears very strange that even the name of president is kept secrete.
Please avoid Aurora Loan Services if you can.
I have read alot of the complaints on the board about Nationstar Mortgage and now I know I am not alone in...
This company is a nightmare since GMAC sold us to them. They tried to rip us off in the begining, by charging...
My morgage was sold to nationstar mortgage by Flagstar Bank last year. I was a fairly new homeowner had been in my home for 3 years and due to financial difficulties was working with Flagstar and a company in Florida for modification. Had recd the initial mod. pak and filled it out and returned it to the company in Florida along with the first of three trial payments in August. When I did not receive any contact by mid Sept and contacted the modification company only to be told that they were overrun with modifications and it would be up to 6 wks for the paperwork to be processed NOT to send another payment until I recd return info from them should be around mid Oct. When nothing arrived I called again and was told they could not discuss the account with me due to it being sold to Nationstar. I then contacted Nationstar and the first person I spoke with advised me not to send a payment until they had recd my file from Flagstar and then I would be advised of the next step. I spoke with a different person each time I called and was given different info each time. Then in Nov. I was told I needed to send both remaining trial modification payments by Nov. 30 or I would forfiet the modification. So we scraped together the nearly 1500.00 and sent it right out. By this time we had begun to receive foreclosure papers from the sheriff, but with Flagstar listed as the mortgager. When I called Nationstar with this info I was repeatedly told dont worry until you receive a sale date, when you do contact us and we will put a freeze on the foreclosure. So on Jan, 4th we recd the sale date of Feb. 4th and immediately contacted Nationstar. This time their story was due to a computer glich we cannot find your modification payments and for us to continue the hold on the foreclosure we need those payments. Well, I'm no fool and enough is enough we called the Sheriff and were told we had to be out of the home by Feb. 3rd. So the choice was ours, throw more money we couldn't afford to lose at nationstar in hopes that we wouldn't lose our home or use that money to find another place to live. So we left our 4 br home and moved to a 1 br apt. We are lost and disgusted and feel that Flagstar and Sterling of Florida and Nationstar and in this together and something needs to be done to stop this madness.
After reading all of the other complaints, I can assure you that you are not alone! The more complaints that...
We had a loan with Flagstar that we had four a couple of years when the construction industry that I was in went through the floor. We were able to get a loan modification with flagstar and everything was just fine. We were able to make our monthly payment, when all of the sudden we got told our loan had been sold to Nationstar and we have a letter stating from flagstar that there would be absolutely no negative action with this transfer to Nationstar. Well ONE month after our loan was transfered we got a letter stating that we were going to be forclosed on if we didn't catch up our back payments, and that they had no records of any modification. The only modification program they could offer us would make our payment over 2800 a month which was 1000 dollars more a month than our normal payment, and that if we couldn't do that then our only options were to turn the house back over to them or forclose on it. Now we are in forclosure procedings. Isn't there any one out there regulating this industry, or can they basically kick anybody out of their house that they want to. Who do we call??????
Nationstar Mortgage also took our loan from gmac. This is the worst mortgage company i have ever dealt with. I am afraid of using them as a reference because they say on their 1-800 number that they are a collection agency and any information will be used for that purpose. They also put that on their emails as a disclaimer. I do not appreciate being told that. I have had my mortgage for 12 years and have never made a late payment. They also sent me a notice that I did not have homeowners insurance which is a bunch of you know what. If this is a collection agency then they need to seperate the collection agency from the mortgage company. I am also going to file a complaint with my attorney general in regards to this . And I would advise everyone with complaints about Nationstar to do the same. These people need to be put in there place. And GMAC had alot of nerve sending us to this rotten company.
This month (January) I went online to make my house payment as we always do. To my surprise, they had added...
A New York Lawsuit With Promising Implications for Chicago Homeowners January 6, 2010 Posted In: Foreclosure...
I had GMAC as my lender for years. I did not have one single problem with GMAC. My loan was sold to Nationstar and I have had nothing but trouble with these people. They mailed MY monthly statement to my ex husband (which provides all my personal phone numbers etc on the statements), charged me late fees when my payment was not late. I call, get them cleared and the BANG they appear for NO reason again. I do not get my escrow statements anywhere near on time.
I live in AZ and they do NOT know the real estate/homeownership laws in this state. It is as if they are only doing business in Texas.
I wish that I was not upside down in my house or I would certainly refinance and get away from these people. I am stuck with the constant headache of dealing with these folks every month or so.
I have contacted them about assistance regarding my payments and they simply transfer me around, talk in double talk, tell me I can't refinance and them tell me there is nothing they can do. That's it.
I know I qualify for the Hope Foundation, but they told me to "look it up on line" and go from there. Some help huh.
Makes a good person want to simply walk away to "stick it " to Nationstar.
I have been in a loan mod since July 2009. Here it is Jan 2010. We have paid our trail period payment on time...
We might lose our home because of this mortgage company. I kept getting letters in the mail saying I was behind on payments and when I would call no one could give me a straight answer! One person would say it was an error or nor to worry then another would be rude and stated I was 3 months behind. They said they have no records of my payments! Now I sent them a payment and they sent it back to me. I was very confused by this until I got papers from a lawyer stating our house was being forclosed on. They sent the payment back so they could do this! Now we have no choice to participate in this loan modification which will double our payments. We never had a problem with gmac before they sold our mortgage to this company. We maybe got behind by one payment but because I believed their crap I have no idea where my payments went. I am scared we are going to lose our home because of this companies practices!!
I have already filed a complaint with these people and I have written to my Attorney General. If each of you...
My parents have been with this company for many years. Their last payment was due Nov..They have had...
Good morning russell, I am not happy with the service that i have received from you or your company at all...
Has very rude employees that modify your mortgage as they see fit even though a modification plan is in...
I got sold in 2008 to Nationstar, who I never even heard of and I'm sorry I ever did. It' s been nothing but a ongoing nightmare since Feb 2008. Their title company was to cut a check per my closing for the 1st half of my house taxes. Nationstar was to pay the 2nd half. But Fiserv(the title co.) sent the wrong amount and it got kicked back. They said nothing and did nothing. When Nationstar tried to pay the 2nd half it got kicked back because the first half was never paid. Now neither company said nothing and did nothing. In August 2008 I got a letter from the town my taxes were deliquent and a lein was being placed on my property in Sept.2008. I took an entire day off from work and spent it on the phone between Nationstar, the Town, the County and Fiserv. I found out Fiserv still had the check it had never been cashed. I was in contact with Jeffrey of Nationstar Escrow. I told him Fiserv had the check, gave him the contact there I had spoken too and the check number. He said it would be taken care of, no problem. A few weeks later I called the town, they said everything was paid and there was no lien. Everythings good right??? WRONG!!! It seems Jeffery and Nationstar took out an advance of money from First American (who holds the escrow monies). They took basically an unauthorized loan on my mortgage for $7000.00 in Aug 2008. I found this out 8 months later in April 2009. How?? I had just made the April payment online. My account appeared perfectly normal on the statements. There was no inkling of what they had done until I received a letter on April 6, 2009 that my next payment (in 3 weeks for May 2009) would be an additional $700.00 a month to payback the advance they took out 8 months earlier to cover the tax money they lost. I went NUTS. That was Saturday and all was closed. Again Monday I took off from work and called them. Needless to say, they told me they would file a dispute it could take 30 day...then 90 days... it has now passed 6 months and they still have not gotten back a single dime of my money. I have been working with a woman named Theresa Pointer in Escrow, but she has suddenly disappeared in the last month (they said she's been out sick). Now I have Tom in Escrow and Fiserv contacts with the Research Department of Randy Foyer and Kathy Kinkerk. Not only can they not get the money back from Fiserv (I even sent them an entire packet of papers certified registered mail w/signature required) with a copy of the page from my mortgage that shows what should have happened, but they themselves cannot find the money they should be holding for what should have been the second half of the taxes. But they said "Don't worry about that yet, we have to get the Fiserv money back first." The original tax bill and what they ended up paying, of course, were different amounts because of the interest and penalties that accrued after they paid it also. I have refused to pay them ANY of the extra amount since May, because I believe they are thieves and con-artists and I will not pay on money for an unauthorized loan they took out because they are incompetent. So now they keep saying my payments are behind, they put each payment into a holding account until it adds up to what they want it to be. I call them 3-4 times a week. They call me 2-3 times A DAY 7 DAYS A WEEK. They send me threatening letters about foreclosure, and remodification of my loan. I get phone calls from all these departments- Customer Service, Collections, Foreclosure, Research and Escrow. I am on the automatic dialer so they call me everyday including Saturday and Sunday when they are closed, besides the live operators. It starts at 8 am and goes till 9 pm. This for the last 5 months.. They threaten me constantly. I even had a supervisor hang up on me during one phone call because of my attitude toward her (this was on a third phone call of one day from them after about 4 months of this crap) She didn't like my tone or attitude and wouldn't be spoken to "in that manner" and when and if I calmed down and adjusted my attitude I could call back to speak to them..with that she hung up on me. So 6 months and still waiting for them to find my money...it's the worst nightmare scenario. I would never have imagined this happening to me. All my bills are paid on time..but my credit is now in the CRAPPER because of this..because, of course, they are report me as being deliquent to the credit bureaus. I cannot even refinance through another bank just to get away from them because of all the damage they have done to my credit. I can't sleep and have nightmares, I don't know what to do anymore. :(
My daughter purchased a home out of foreclosure. The bank that owned the property was nationstar mortgage out of texas. My daughter and her fiancée made an offer for the full asking price with no conditions or inspections. They accepted the house "as is". 12 weeks later they are still trying to get the final closing paper work from nation star. 1 day before the scheduled closing they still had not provide all of the required documents to constitute an accepted sales contract. This is after my daughter was forced to sign an addendum agreeing to pay $195 a day for each day the closing was delayed. Because we did not have all of the paper work back from northstar the rural housing department could not process the final loan approval. At the end of the day prior to the schedule closing we received the final paper work but it was too late to close the next day. We had to delay a week while the final loan approval was process. At closing one week later, they refused to sign the closing papers unless we paid a $1095 late fee. It was their fault the closing was delayed. Our lender has negotiated a reduced late fee, but we still had to pay one. They told us they had a back up offer on the table and we either paid or forget the deal and they would keep the earnest money. We have our fingers crossed that now that we have agreed to pay this extortion money we can complete the closing.