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Village Capital sent me a notice that I had a $3,800.00 escrow shortage and if I did not pay, the mortgage payment would increase from $2,800.00 to $3,400.00. I immediately sent the payment; however, to date they have failed to reduce the monthly payment; although the online account reflects that they received the escrow shortage payment.
This is a VA loan and their failure to adjust the payment is causing me harm.
Recommendation: If your loan is sold to this company, refinance. They suck
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Village Capital did the same thing to me and I am a veteran that is 100& disabled. In the state of Texas you do not pay any taxes. Since we bought this home in September 2024, they have been charging us taxes on our escrow payments. I filed all of my exemptions with this company in 2024, again in 2025, and again when we refinanced the loan after making a 111,000 payment to reduce the loan and the payment. Now, they sent a notice increasing the loan from 1872.00 to 2350.00 per month because of a supposedly shortage on escrow. There would not be a shortage if they did not put taxes in the escrow payments. If we pay 2350.00 for two months they will correct it later because it takes 60 days for the company to correct the mistake.