I had made continual calls to Paul Smith at Homepoint Financial about a simple refinance. This was in May. He said repeatedly it would close in June. July comes, they still had not done anything. When confronted - Natalie used the excuse of Covid which is convienant for most companies that feel like throwing that out there in my opinion when things are taking too long (yet her and Paul and most of their employees are working from home anyway) and then she said they were bombarded with rates so low.
So that's fine, but don't have your guy Paul lie to me and say June for sure. There was NEVER a mention of it continuing into July or August since he would say "you don't have to pay Julys payment" which clearly had to be paid because they still had not processed anything in July. Also most loans will take longer when rates are low yes, but that's loans where they need docs, they need appraisals etc. There was no appraisal, they based it off what we bought the house for. Also they did not need bank statements, etc. Hence the NO DOCS that Paul told us nothing was needed in that area either.
When I saw the excuses of Paul over the phone and her in email I told her to withdraw the application. She said she understood. That was July 10th. I just received a letter a month later saying my refi was denied because they couldn't verify work? Funny, I withdrew the application and signed via docusign the paperwork to withdraw July 10th. I have her email on 7/10 stating she would withdraw it, but she continued to run the whole thing a month later and then has the nerve to mess up my credit because she denied it based on they could not verify employment.
Last I knew IN MAY they were verifying it and as of JULY 10 they "still were working on it", so to give me two excuses that they could not verify or that they didn't have substantial history is lies. Additonally why did they continue to supposedly process it as my letter today in now AUGUST just said when they told me and I KNOW I signed off to wtihdraw the app and go with another bank which I did. Now they messed up my credit. DO NOT deal with this place. They lie to you and I have seen that for myself and then pull stunts like this. There's many othe banks that will not pull this nonsese in my opinion.
I purchased my house on June 6, 2014 located at St. Louis, MO . My original mortgage company was Stonegate Mortgage Company in Indiana. My rate is very high at 4.5%. I enrolled in their auto payment program and never missed one payment since the day purchased. In Oct 2015 I filed bankruptcy and then was discharged in May 27 2017. Home Point Financial bought Stonegate Mortgage in 2017. My nightmare started. First in July Home Point Financial canceled my auto payment without noticing me. If I didn't find out early enough, I would missed that month payment. Then Home Point Financial blocked me from paying my monthly fee online because they said my account is a bankruptcy account. I told them I was already discharged from Bankruptcy and sent them the court document . But they ignore it. Whenever I called to pay, they charged me $10 fee.
I decide to end this loan. On Nov 17 2017 I requested a payoff statement via their website. By Nov 27 2017 I did not get a single response from them. I called the collection department on Nove 27 and requested a payoff statement via email and mail. Another two weeks past, I still have not heard a word from them. I have not seen any company with this kind of customer service. On December 8 2017 I sent them a Notice of Error (by priority mail with tracking) with a hard copy of court document of my Dischage notice. I also demanded a payoff letter immediately.
Today is December 22 2017 two weeks past agian. I still have not received a single response from them. I kept calling them at least 10 times. Every time I called, my call had to transfer 2-3 times to different persons because my account is a bankruptcy account, they said. And every time they lied to me and said they would send me an email tomorrow. But I never received one. I belive this company is not a trasparent company. They do not provide me a payoff statment intensionally because my mortgate rate is high. What really pist me off is I deserve a response even they rejected my request. I want to know why???
Home Point Financial Corporation Reviews
I had made continual calls to Paul Smith at Homepoint Financial about a simple refinance. This was in May. He said repeatedly it would close in June. July comes, they still had not done anything. When confronted - Natalie used the excuse of Covid which is convienant for most companies that feel like throwing that out there in my opinion when things are taking too long (yet her and Paul and most of their employees are working from home anyway) and then she said they were bombarded with rates so low.
So that's fine, but don't have your guy Paul lie to me and say June for sure. There was NEVER a mention of it continuing into July or August since he would say "you don't have to pay Julys payment" which clearly had to be paid because they still had not processed anything in July. Also most loans will take longer when rates are low yes, but that's loans where they need docs, they need appraisals etc. There was no appraisal, they based it off what we bought the house for. Also they did not need bank statements, etc. Hence the NO DOCS that Paul told us nothing was needed in that area either.
When I saw the excuses of Paul over the phone and her in email I told her to withdraw the application. She said she understood. That was July 10th. I just received a letter a month later saying my refi was denied because they couldn't verify work? Funny, I withdrew the application and signed via docusign the paperwork to withdraw July 10th. I have her email on 7/10 stating she would withdraw it, but she continued to run the whole thing a month later and then has the nerve to mess up my credit because she denied it based on they could not verify employment.
Last I knew IN MAY they were verifying it and as of JULY 10 they "still were working on it", so to give me two excuses that they could not verify or that they didn't have substantial history is lies. Additonally why did they continue to supposedly process it as my letter today in now AUGUST just said when they told me and I KNOW I signed off to wtihdraw the app and go with another bank which I did. Now they messed up my credit. DO NOT deal with this place. They lie to you and I have seen that for myself and then pull stunts like this. There's many othe banks that will not pull this nonsese in my opinion.
I purchased my house on June 6, 2014 located at St. Louis, MO . My original mortgage company was Stonegate Mortgage Company in Indiana. My rate is very high at 4.5%. I enrolled in their auto payment program and never missed one payment since the day purchased. In Oct 2015 I filed bankruptcy and then was discharged in May 27 2017. Home Point Financial bought Stonegate Mortgage in 2017. My nightmare started. First in July Home Point Financial canceled my auto payment without noticing me. If I didn't find out early enough, I would missed that month payment. Then Home Point Financial blocked me from paying my monthly fee online because they said my account is a bankruptcy account. I told them I was already discharged from Bankruptcy and sent them the court document . But they ignore it. Whenever I called to pay, they charged me $10 fee.
I decide to end this loan. On Nov 17 2017 I requested a payoff statement via their website. By Nov 27 2017 I did not get a single response from them. I called the collection department on Nove 27 and requested a payoff statement via email and mail. Another two weeks past, I still have not heard a word from them. I have not seen any company with this kind of customer service. On December 8 2017 I sent them a Notice of Error (by priority mail with tracking) with a hard copy of court document of my Dischage notice. I also demanded a payoff letter immediately.
Today is December 22 2017 two weeks past agian. I still have not received a single response from them. I kept calling them at least 10 times. Every time I called, my call had to transfer 2-3 times to different persons because my account is a bankruptcy account, they said. And every time they lied to me and said they would send me an email tomorrow. But I never received one. I belive this company is not a trasparent company. They do not provide me a payoff statment intensionally because my mortgate rate is high. What really pist me off is I deserve a response even they rejected my request. I want to know why???