Now, today, April 25,2022, He says we STILL need Eng report for a porch that is NOT an addition. He says we might be able to get around it by using PLAT from 2009. Sent to processor.Now, talking to *****, 3rd mgr. he says send proof porch was here when we moved here which we did, its NOT an addition. It shows BOTH built in 1997,when MH moved on land. Sent MLS ************* tax info showing in 2009, porch was here. Explained to them, porch was here & is NOT addition. Now processor says porch on manuf hm is addition, need proof porch was here when we moved here in 2009 or engineer report. ****** will not insure that Amount for dwelling. 3/25-**** says before we can close need Ins binder 160,000.Problem. Now they say closing delayed mid to end of March. On 2/23 still working on loan.March 5-conditional approval. Had to resubmit some forms.Appraisal done Feb 10.Signed docs for closing end of Feb. Had to submit forms twice,On Feb 4,2022 **** took over. We began our refi with ***** on Jan 13,2022. She stated she was getting a second opinion from another lender and wanted to compare the two lenders quotes. She wanted to make sure their credit was pulled prior to the scheduled appointment that evening so they had clear numbers. She gave American Financing permission to pull credit not once, but twice on the call. Once ****************' credit was pulled there were several lenders that received alerts from the credit bureaus. Although all of the credit bureaus sell borrower data. American Financing's privacy policy clearly states that we do not sell any borrower data. American Financing does not service its own loans so we must follow the guidelines of our investors. When we started the process the investor guidelines were 10% down payment, and within one week the investor changed the guidelines to 20% down payment. We wanted to do this loan for **************** but the investor changed its requirements during the initial process. I equate this to harassment and the organization should adjust their tactics.Īmerican Financing understands why **************** is upset, but not completed this loan was beyond our control. I understand that they want the sale, but I've never seen such an invasive form of contact. I did not apply for an assault of various forms of contact within less than 24 hours. The gentleman who confirmed I was on a recorded line, was quite rude and I expressed that it was not the way to do business.I submitted a form to inquire about refinancing my home. I stated that no, I did not get any answers, because I wasn't going to do business with an organization with such aggressive tactics. I expressed that I filled out the form to start an inquiry. I was told well why did you fill out the form, did you get your answers, etc. And instead of letting me finish, which I was speaking rationally, I kept being interrupted. I advised the person on the phone that I already asked to be removed from contact lists. End of story, or so I thought.I wake this morning and check my email, I received an email at 10:11pm and by 8:23am already had yet another call. I expressed my frustration over their very aggressive sales tactics and did not want to be contacted any further. At approximately 7:00pm I received yet another call and at that time, asked to be removed from their contact list. I went back to work but between 3:30pm and 5:00pm I received a total of 4 texts and 5 phone calls. I received an email confirmation at 3:35pm. Other terms and conditions apply.I submitted an inquiry form on American Financing website about 3:30pm on during my afternoon work break. Loan approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: This advertisement does not constitute a loan approval or loan commitment. Corporate Headquarters 2523 Wayzata Blvd. For further information about Luminate Home Loans, Inc., please visit our website at Luminate Home Loans, Inc. | NMLS #150953 | For licensing information, go to: | | Please review our Disclosures & Licensing information. We aspire to become the most valuable person in your life when it comes to real estate and finance.Ĭopyright © 2023 NEO Home Loans is a registered DBA of Luminate Home Loans, Inc. We believe successful homeowners – who have a plan to maximize their wealth and minimize their monthly expenses – make better neighbors and build stronger communities for us all. At NEO Home Loans, we believe the mortgage industry needs a new beginning.
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