EverHome Mortgage
Reviews and Complaints

We were evidently approved for a loan modification (HAMP?) and found $12000 in legal fees being added to the principal. Everhome representatives ignored our inquiries and those from our attorney about the details behind those fees. We refused to execute the modification documents and found some contrived-deadline imposed (30 days after receipt of mod documents) before foreclosure proceedings would begin again. All this after wiring about $6000 to the company for what appears to be the escrow account; asked about that too without an answer. In some ways, we believe Everhome/Everbank is attempting to extort funds from those qualified for HAMP and other programs, as such may overdue for a/nother class action lawsuit. Our complaints are on file with the BBB, the OTS, and the OCC. PMI is also paid to FannieMae.

I rec'd. notice that mortgage pmt. would be increased $300/MONTH.
After many, many attempts to have Everhome look into the account as to why the payment was going up for the third time, I asked the PA Attorney General's Office for help. Only after he contacted Everhome did they do an an analysis on the account. And surprise, surprise an error was found. Unfortunately for my family it was too late. Everhome filed foreclosure papers 4/10. I rec'd. a letter from them admitting to the error and asking me to call the Solutions Group at Everhome. I want to know if everyone that has filed a complaint on this site has also contacted other agencies - BBB, Dept. of Banking, Office of Thrift Supervision, their State Senators, etc. Please do so if you haven't already.

Loan Officer performed unethical selling practice that was dishonest and shameful.
Everhome Mortgage has practice MORTGAGE FRAUD.

I was a first time home buyer with a good income and credit score. When I signed up the mortgage payment with Loan Officer, DEJAN, I specifically told him that I do NOT want escrow account in my mortgage over the phone and he AGREED with it. Later on after I closing my house, I did not realize that the 500 pages closing documents that I have signed does include the escrow account. In my first year, I paid regularly my monthly mortgage for $1, 100.

In the second year, my mortgage increased to $2, 000s due to the escrow account. I requested the company to waive the escrow account, so that I can afford the monthly payment of $1, 100. I called the customer service around 8 times, and every time I called them, they act like they're trying to solve my problem and giving me the false hope. Sure enough after 7 months of battling the escrow account, the company would never waive it, but they did reduce it to $1, 650. I am really sick with this company and their unethical business practice, and they keep charging extra fee for their own mistake.

I WILL NOT RECOMMEND anyone to finance their home with EVERHOME MORTGAGE. THIS COMPANY HAS SO MUCH COMPLAIN ABOUT THEIR PRACTICE AND CUSTOMER SERVICE. PLEASE GOOGLE "EVERHOME MORTGAGE REVIEW" BEFORE YOU SIGNED UP WITH THEM.

I have tried to contact the Loan Officer, Dejan about 5-6 times, and has left 3 messages, but he doesn’t have a ball to call me back and denies his unethical business practice.

Below is the letter that I wrote to Customer Service:

March 16, 2010

EverHome Mortgage Company
Customer Service Research Dept.
EverHome Loan # [protected]
Fax: [protected]

Dear Customer Service:

I recently received a letter from EverHome Mortgage Company stating that my home mortgage monthly payment will increase from $1, 147.78 to $2, 020.46 on April 01, 2010, due to your miscalculation of my property taxes and home insurance escrow withholding.

When I signed up for the loan, I was a first-time home buyer that relied on the mortgage information provided by my loan officer, Dejan. Since I have a good job and credit score, I stated very clearly in my phone conversation to Dejan that I did not want escrow payments incorporated into my mortgage payment. However, without my knowledge, the loan agreement that I signed included an escrow account for property taxes and home insurance.

I do understand that you have paid my 2009/2010 property taxes for the amount of $5, 357.24, and I have paid into escrow a total of $1, 987.31. The difference that I owe you in property taxes is $3, 369.93. I am going to send you 2 checks via mail for the amount of $3, 369.93 (for the property tax shortage) and $994.91 for April mortgage payment (principal & interest only).

I have always paid on time for every monthly mortgage payment. From now on, I am going to pay the property taxes and home insurance from my own pocket, and I am now fully responsible for both of them. Please change my monthly mortgage payment effective April 1st to equal only the principal and interest due of $994.91.

I want you to discontinue my escrow withholding because I never intended to have an escrow account, I cannot afford to have you withhold $1025.55 every month for future taxes and insurance, and I intend to pay my taxes and insurance myself as they become due. Please reply immediately and confirm that you have canceled and closed my escrow account.

If you have any questions, please feel free to call me. I am looking forward to hearing from you. Thank you for your time and cooperation.

Sincerely,

We had our mortgage with Central Mortgage for sometime and they sold it to EverHome mortgage. After 6 months being with them, I got a call from them offering me refinancing that would reduce my interest rate by 0.675 and save me 150 dollars every month.

My PMI is a lender paid PMI and I told the loan officer "Todd Miller" several times (literally more than 10 times) that if I have to refinance, I may have to start paying the PMI so I do not want to refinance. I knew this because I have gone through refinancing through other companies and they always tell me that my lender paid PMI will not be recognized by Fannie Mae and I would have to start pay PMI after refinancing. So I never bothered to do refinancing at all. But this time, Todd Miller called me several times trying to convince me that he has worked on similar cases and the applicant has never had to pay PMI in this case. He also said if the home appraisal comes to 100% or less of the loan amount, I can get refinanced with no PMI (as per new Obama's plan, I do not have to pay PMI if I am not paying PMI now). But I was skeptical as my PMI is a lender paid PMI. After multiple assurance he gave, I moved forward.

Then I paid application fee and appraisal fee (more than 400 dollars). The appraisal came to a decent price that the loan amount would be around 90% of the home value. As he promised the terms, I sent all my signed documents. He just waited until he receives all of documents and then just sent an email saying the underwriter is telling that the lender paid PMI is not being recognized by Fannie Mae and I would have to pay PMI or bring down 37000 dollars as closing cost as the refinancing can only offer me 80% of home value. Isn't it ridiculous for someone to pay 37000 just to reduce the interest rate by 0.675%? Didn't I tell him all this before?

I tried to contact him several times and sent him emails several times asking him what about the assurance he gave me before. Now he is not denying or accepting the fact that he misguided me.

He is either a cheater or an incompetent loan officer who doesn't understand lender paid PMI. I am going to talk with this manager but doubt that Everhome mortgage by itself is doing this scam. The appraisal company was set by them so I believe it could be their sister company. So they stole my 400 dollars, wasted my time and engery, and also did a hard inquiry in my credit history which is going to affect me.

I strongly recommend not to go with this company for refinancing or any other reason.

We had our mortgage with Central Mortgage for sometime and they sold it to EverHome mortgage. After 6 months being with them, I got a call from them offering me refinancing that would reduce my interest rate by 0.675 and save me 150 dollars every month.

My PMI is a lender paid PMI and I told the loan officer "Todd Miller" several times (literally more than 10 times) that if I have to refinance, I may have to start paying the PMI so I do not want to refinance. I knew this because I have gone through refinancing through other companies and they always tell me that my lender paid PMI will not be recognized by Fannie Mae and I would have to start pay PMI after refinancing. So I never bothered to do refinancing at all. But this time, Todd Miller called me several times trying to convince me that he has worked on similar cases and the applicant has never had to pay PMI in this case. He also said if the home appraisal comes to 100% or less of the loan amount, I can get refinanced with no PMI (as per new Obama's plan, I do not have to pay PMI if I am not paying PMI now). But I was skeptical as my PMI is a lender paid PMI. After multiple assurance he gave, I moved forward.

Then I paid application fee and appraisal fee (more than 400 dollars). The appraisal came to a decent price that the loan amount would be around 90% of the home value. As he promised the terms, I sent all my signed documents. He just waited until he receives all of documents and then just sent an email saying the underwriter is telling that the lender paid PMI is not being recognized by Fannie Mae and I would have to pay PMI or bring down 37000 dollars as closing cost as the refinancing can only offer me 80% of home value. Isn't it ridiculous for someone to pay 37000 just to reduce the interest rate by 0.675%? Didn't I tell him all this before?

I tried to contact him several times and sent him emails several times asking him what about the assurance he gave me before. Now he is not denying or accepting the fact that he misguided me.

He is either a cheater or an incompetent loan officer who doesn't understand lender paid PMI. I am going to talk with this manager but doubt that Everhome mortgage by itself is doing this scam. The appraisal company was set by them so I believe it could be their sister company. So they stole my 400 dollars, wasted my time and engery, and also did a hard inquiry in my credit history which is going to affect me.

I strongly recommend not to go with this company for refinancing or any other reason.

I tried to cancel my automatic mortgage payment, and I was prepaired to pay it later with late fees added later. The customer service personal made mistakes in handling it, so they over drafted my banking account. Like other companies that blame the customer; It was my fault according to them. They never took responsibility for their customer service agents making bad decisions; they did send me a form letter 2 months later dismissing my complaint. How nice of them. This is not the first time I have had issues with their customer service agents, and I know it won't be the last.

My mortgage was sold to this company. If I had a choice in leaders; I wouldn't use them in the future. I they are difficult to work with, and its your problem when things are carried out properly by them.

We have been workign with Everhome to go through a short sale on our house. WE finally get to the point where they say, we are going to approve the short sale, we are just waiting for one more document to be returned. Should be soon. Great News, Right?... That was until I get a call from the buyer that says, we are trying to do the apprisal, , but cant get back in the house, the locks are changed. What? So I rush over there to find my deadbolt pried out of the door and replaced with another. SO, now I can not get in my house and the buyer walks, thinking I am in foreclosure. I call Everhome and they say " we do that all the time". After talking to a lawyer, I find out that is illegal in Michigan. I call them back and really get into it. That is when I find out they are "taking bids" on our appliances, etc. I have just about lost it at this point. These guys are the worst bank I have ever dealt with. Complete liars. Will blow smoke up your A%& while they steal your wallet.

My loan was sold to Everhome in early 2000. I fell behind in the payments, which I am well aware was my fault. In 2001, I filed Chapter 13, with full intent of repaying my loan, and ultimately did. However, in 2008, I found that a partial claim was filed on my behalf in November of 2001. When I asked for proof of the claim (I did not request, nor did I receive the claim), Everhome, nor HUD could provide any proof. I should state that my Chapter 13 was filed in early November 2001, and the claim was filed like 10 days later. The only reason that I found out about the claim was because of falling behind again in my payments. I applied for a partial claim to catch up my payments in 2008 and was informed of the prior partial claim. I was told since I previously had a partial claim I could not receive another. Long story short, Everhome Loss Mit department could not find any paperwork to prove the claim was ever filed. Also HUD could not find any documentation to back up the claim. My opinion is that someone from Everhome pocketed that money thinking that I would never pay off my Chapter 13, and my home would eventually be foreclosed on, or I would pay off my chapter 13, and no one would ever find out about the partial claim. I eventually had a modification of my loan and that brings me to another problem with Everhome.

My loan was modified in January 2009. In the modification, Everhome was supposed to add over $2, 000 back into my escrow account and add it to my principal. Well they did add it to my principal, however never added it to my escrow. Since this created a shortage in my escrow, my payment went up over $200. per month. This created another issue with me making my payments on time. I called Everhome almost daily and requested that they document my phone calls. I tried to get someone, in any department to review my agreement and correct the issue with my escrow. This finally happened in January 2010. I ended up having $1775.01 as a suplus in my escrow. I called in February 2010 to have the surplus applied as payments. I was told that would happen. Well long story short, it never happened. Now I have tried, called repeatedly, and requested the surplus be applied. To this date, this has not happened. Now guess what? I am in foreclosure because they did not apply the surplus, which I thought they did, then I made an $800. payment and they added it to a suspense account because of my payments being behind (they would not have been if the surplus was applied) Now I owe some attorneys fees, inspection fees, late fees, among other things. DO NOT USE EVERHOME MORTGAGE FOR YOUR HOME LOAN. THEY DO NOT DO WHAT THEY SAY AND WILL NOT INVESTIGATE ANYTHING!

EverHome Mortgage and LPS is being investigated by the FBI for fraud of documents to rush through foreclosures in select areas for a small select few of investors to swiftly buy up at far below already low housing prices. Some cases, even rushing forecloure to beat closing dates of possibly realtor sold homes. Some believe, to purposely force foreclosure auctions that only a hand few would respond to, therefore the property selling well below appraised values. One person called EH CS, could not get anyone to explain why his mortgage jumped $960 more a month with a fixed rate, asked to go to Everhome's office in Jacksonville...was told he would be escorted off property without an appointment AND WOULD NOT GIVE HIM AN APPOINTMENT. Maybe FBI will solve their customer service issues.

Every six months I have to fight with the Everhome mortgage to pay my homeowners insurance because they claim they didn't get a bill from my insurance company. This time the insurance company canceled my homeowners insurance. I talked to Everhome mortgage they said they sent the payment on April 1st, the insurance was due to be canceled on April 7th. I got a letter Aril 11th from my insurance company stating my insurance has been canceled.I called Everhome on March 31st and told them the inurance hasn't been paid and will cancel on April 7th. My insurance agent had to fax a copy of the insurance declaration to them on March 31st. Every six months I get the run around from Everhome. I did no choose this mortgage company my mortgage was sold to them. We should have a choic about weather we want to have our mortgage sold.Again this happens every time a new insurance payment is due.

when they first acquired my mortgage, they failed to pay my insurance, then charged me almost triple the old rate for the month or so I had no homeowners insurance. They refused to budge saying they were a government entity and could get away with it.
my payments are 10-20% higher because of this and also unauthorized fees added to the escrow account. Over $250 was charged to escrow to pay out someone who says I owe them money.
Aside from this:

THIS IS THE WORST MORTGAGE COMPANY I HAVE EVER BEEN FORCED TO DEAL WITH.

I would seriously consider never getting another mortgage because of the possibility it could be sold to a company like this without my permission.

I have been dealing with EverHome for 2 months now on a property tax issue. I sent them bills in October and was told they would be paid. After payment was due, I realized EverHome had not paid my property taxes. I contacted them, and had to wait 5 days for them to do anything. I was then told they would not pay my property taxes, so I paid them. A week later I received a letter stating EverHome had disbursed funds for my property taxes, and that it would be escrowing for the payments they just made and for next years (in other words, huge jump in my payment). I contacted the county, and it had not received any payments. I then contacted EverHome, and the customer service rep gave me a complete run around, telling me I would have to provide proof that I had paid the taxes. I faxed them information and a letter. I hear nothing back. I continue to call the county and EverHome about every other day to get an update. Three weeks after the payments were disbursed, by EverHome, the county has still not received any additional payment. And, each time I call EverHome I have to speak with a new customer service rep who knows nothing, and is not able to give me any additional information. After each call, I fax the research department a new update letter. I also attach all of my previous letters and information. No one will contact me with any information, and apparently their research and tax department people are not able to call customers. Thus, there is no way to get information from them except through letters, and I have only received one letter in the past two months of dealing with this issue. This customer service system does NOT work, and cannot be called customer service. Do whatever you can to avoid dealing with EverHome.

My house has been on short sale status with EverHome Mortgage for over a year. Our loan is owned by Fannie Mae. We have had several offers each offer higher than the last offer. EverHome takes no less than about 4-6 months to send BPO's to appraise our house. Causing many buyers & realtors to loose interest in EverHome even attempting to acknowledge offers. I call Everhome Priority Department all the time and speak with Amy and a Robi Tracy. Negotiators have changed at least 2-3 times. Currently Elinda Murphy is our current negotiator, she literally tells us, "she will get to us when she can and currently we are not up yet" Please help me, we have been trying to do whats right from the very beginning even though we were robbed blind of $80, 00 cash with a screwy loan. Plus uncontrollable financial circumstances.

my house has been on short sale status with EverHome Mortgage for a little over a year. Our loan is owned by Fannie Mae. We have had several offers each offer higher than the last offer and higher than any house that has recently been sold in my community. Yet EverHome takes no less than about 4-6 months to send BPO's to appraise our house after an offer has been submitted to Everhome. Causing many buyers & realtors to loose interest in EverHome even attempting to acknowledge or even start the approval process. I call Everhome Priority Department all the time and speak with Amy and a Robi Tracy our negotiators have changed at least 2-3 times. Currently Elinda Murphy is our current negotiator who never returns any of our voicemails, and when we speak to her, she literally tells us, "she will get to us in the order which she receives and currently we are not up"

Please help me, we have been trying to do whats right from the very beginning even though we were robbed blind of $80, 00 cash with a screwy loan. Plus uncontrollable financial circumstances.

My Mortgage waS orginally with another company since 2004 has been sold AT LEAST 3 TIMES. I have never in my life paid anything late. About 30 months ago( as I pay some of my bills online)I went to pay my mortgage with Everhome. TheIR website was having major problems. I tried 4 2 days to set up the payment to no avail. I called and spoke to a superivisor who agreed their website was having problems and since that monday when my mortgage payment was due was a holiday he told me that my payment wasnt actually due until that tuesday and helped me set up the payment for that tuesday. I'm not stupid I got his name ID# etc. The next month I actually got a statement in the mail from Everhome (which doesnt happen very often) The statement charged me a $250.00 late fee( plus the extra $12 they charged me for paying it online which I paid with then payment). I called them spoke to the same supervisor again he said he would take care of it. PS it never happened. Then not to long ago we were having internet problems in the entire San Fernando Valley in Los Angeles. I drove over 1.5 hours away( had called everhome on the phone telling them of the situation with Time Warner & the internet In fact I made a 3 way call so Everhome would know that what I was saying was true) When I got to my friends there too were having internet problems I called Everhome again they said dont worry( I'm disabled so that 1.5 hour drive( which I paid someone to drive me back & forth) played hell on my body and I ended up in bed for over 2 weeks from that). Now I have a late fee that shows up monthly for $480.00 every month.n @ late charges .Neither of which were late. I was actually able to then make that payment after I drove 1.5 hours in each direction over the phone. At that point they were not allowing over the phone payment so they decided to let me pay over the phone just that once, not without additional charges. They charged plenty extra for making it over the phone (which I paid & was not included in the almost$250 late fee) So my payment that they said wasnt late was per them now actually 10 minutes late. Not to my fault but theirs!. Since this has happened when I had extra money( not anymore) I would pay additional principal to lower the amount of my debt. They didnt take the now over $480.00 late fees(that were not late at all) off the additional principal payments. They know they weren't really late but they are messing with my credit. which isnt right at all. I just found out that the credit reports we get are not at all the same as the ones our creditors get! Yet another misnomer! Now after becoming disabled and in desperate need of a loan reduction & modification they tell me Im not eligible because I always pay my mortgage on time. WHAT IS THAT ALL ABOUT! SO THEY HAVE CHARGED ME 2 TIMES FOR BEING LATE WHEN I WASNT THEY WONT REMOVE THOSE CHARGES FROM MY CREDIT AND IM NOT ELIGIBLE FOR A LOAN MODIFICATION AND OR REDUCTIONS. OH i FORGOT TO TELL YOU THAT WHEN I ORGINALLY GOT THIS LOAN IT WAS 1 LOAN AFTER HAVING IT BOUGHT & SOLD IT WASNT UNTIL EVERHOME GOT IT THAT THEY DECIDED TO MAKE IT 2 LOANS NOW! i WAS TOLD I HAD NO CHOICE IN THE MATTER AS WELL. PLEASE IS THERE SOMEONE OUT THERE WHO IS A LAWYER NOT A LIAR, & WOULD BE WILL TO HELP ME. THIS COMPANY TAKES THE CAKE AS FAR AS BEING UNDERHANDED, LIARS & THEIVES.(please fax my work at [protected])

Everhome mortgage Company

I am not going to get to involved with this one, but if Everhome is the maintenance company for your loan I feel very sorry for you, I have been trying to get the Fannie mea and Freddie Mac Home modification loan after losing my Job. We submitted all the appropriate documentation they requested "To the best of our knowledge" and sent it to them numerous times as a matter of fact
because they either keep losing it or misplacing it. After getting a call from their representative telling us we were approved for the loan
two weeks later we get a call from one of their african american reps
"Whom I have had trouble with before" and verbally told me that our loan in fact was not approved? with absoluetely no explanation other then you are not approved? it is specifically stated in the legal documents they sent us for applying for the home affordability & modification program, that if the modification is rejected they must submit it to you in writing. I informed the girl that it is not acceptable to just tell me over the phone that I did not get approved and I read her the stsement in the paper work that THEY sent me, that the information must be sent to me in writing. After requesting to talk to a superviser she proceeded to hassle me instead of transferring me as I requested and all she would give me at that point is a phone number
to her supervisor to whom I have left a number of messages to return my call, and to this day I still have not received a call back from Everhome Mortgage Company. After getting off the phone with the african american representative, I had to call my Fiance home from work to try and call them back. She came home and called and did happen to get a helpful Caucasion lady to help her "BUT" she informed us that the account to modify our loan was canceled by the african american rep and she immediatly opened a completly new case so we have to start all over, only the new modified amount grew by $200.00
per month. At this point it seems that a single rep has total control over your current and future payments? I have no other alternative but to think that this is a matter of discrimination, how can one person control my financial future in terms of the loan modification program when we are talking about ten's of thousands of dollars over the remaining term of the loan? Now that we have been dealing with a new "HELPFUL" rep, I was rescently informed that appearantly this same african american rep noted on our account that she had tried to contact us and that she had left a message. "A Total Lie" we were home that entire day and never left the house. We also are able to print out a report of all incomming calls which there was not one from EVERHOME or EVERBANK as they show up on the caller ID. So now we are resubmitting all the documentation again to the best of our knowledge since Everhome Mortgage Company never gave us one shred of information as to why our loan was not processed
even though we were pre approved and met all the mathematical requirements and to this day we still have no idea why we were not approved the first time? and we are pretty confident based on the last go around that we will probably not be approved again. Why should they approve us if all that is required is to have a rep call you and tell you to bad so sad, "You are not approved". This rep that seems to be discriminating against us, since she seems to be the decision maker at Everhome Mortgage Company and has seemingly way to much power to choose who she grants modification loans to and in fact may in the end have caused us to lose our home and never had to give us one single reason as to why the loan was not approved. She was Rude and totally disrespectful from the word "Go", I also should not have to explain anything to her when I request a supervisor either. I am sorry, I am not a person that discriminates but in this case I can only assume the worst since she seems to have the authority to do whatever she wants with absolutely no explanation.

My mortgage was sold to EverHome a year ago by Regions Mortgage. In all the years that I owned the home, I have never been late with any payments. In fact, since I don't trust Mortgage companies I always Fed Ex payments so they will be signed by the recipient. Today I got a letter from EverHome stating that I had $47.00 in late charges. Naturally, I called them to investigate. I was told by their Customer Service that I had to contact their Research Department since they could not find any late payments during the past year. The so-called Customer Service Rep then stated that the late charges "might" have been from 2006 for 2 payments received on the 18th and not the 16th and were probably from Regions. Well, when I checked a 2006 calendar it showed that the dates she pulled out of the air were dates that were totally legal since the 16th was on a Saturday. In addition, at no time did Regions ever assess me any late charges. Anyhow, I faxed and wrote a letter asking for the exact dates and the response that I have gotten states that the charges are correct, but without any mention of dates so I can send the necessary proof. These people are basically criminals trying to exhort money from people without any basis in truth. They figure that no one will spend the time over $47.00. The point here is that they are trying to exhort money and are hoping that no one will have their required information from several years ago or take the time to find the documentation. Trust me I will spend more than the $47.00 to clear this criminality up.

These guys are something else! My loan got sold to them and I was setting up the online pay. To my astonishment, I find that if the mortgage is paid after the 1st of the month, there is a "late" fee of $12 in the name of "service charge"!

God, things these banks would do to screw us! And we are bailing them out!

If I was given a choice, I would stay away from banks with such practices!

When I asked to talk to the CEO, I was told that he does not talk to the customers - you have to write to him and then wait for him to respond!

Great!

I have been trying from October 2008 to get a Deed In Lieu or a Short Sale, I have called weekly - it is rare that I talk to a person, normally it is leave a message here or there... and they never get back to you EVER. My case was given to one lady in Dec. 2008, in Feb 2009 when after 100s of calls I got to talk to her she had no idea who I was or anything about the property. She went on to say she could not do a deed in Lieu or a Short Sale - all she really was doing was trying to get me to pay on time. I was transferred to another another young lady who told me three to four weeks and a Deed In Lieu could be finished. Right... after 6 weeks I called and said what is going on - she had done NOTHING again... we had an offer at last so they started working on the Short Sale - we needed something we had perfect credit until this and due to job loss and the other job moving had to get something done. So there we where 4 weeks tops was the promise, but this time I called each week - every week and guess what - NOTHING June 24th when I get her again she says everything is at a Lawyers and there is nothing to worry about it will be over in a few weeks. Great right? So today I call again and guess what my file was transferred to yet another lady over there who knows NOTHING about the file, NOTHING about the offers, NOTHING about the lawyer, NOTHING about the times table and who let me KNOW that SHE DID NOT GET THE FILE UNTIL JULY 15th AND DID NOT HAVE TO LOOK AT IT FOR 30 DAYS! So here I go again, at least the lady I had last was very nice on the phone when you could get her this new one is the WORST customer service I have ever had - EVEN WITH ALL THE BAD CS AT EVERHOME! I regret daily ever getting a home loan - it was sold to them and if there is anything one thing in life I could change it would be to never let them get my loan.

My loan was sold to EverHome last year and they have the worst service, they take way to long to deposit checks and clear auto drafts. I contacted them to day to enquire on a rate or loan modification as my rate will be adjusting and I will be unable to afford at the higher rate.

I was told there was nothing that could be done unless I was not making payments or wanted to refinance. Basically I can and would continue to pay on time at my current rate and only until I am behind they will discuss options. Seems kind of reactive instead of proactive, no wonder these banks are in the situation they are.