EverHome Mortgage
Reviews and Complaints

Look into filing Chapter 13 Bankruptcy. Discuss with a reputable Chapter 13 attorney. I'm in a different type of battle with Everhome/Fannie Mae. Their accounting records are a nightmare. Contest what they claim you owe. There are probably big mistakes in their records. Keep records of all of your payments handy, this is really important. Try not to become to frustrated with the amount of time it takes to get things straight. Try to get all of the assistance you can with going over your payment history matched against their records. If they file a claim in bankruptcy court that is not accurate, they can experience major fines by the judge. Also, there is the possibility that your attorney can file a request to reduce your payments and principle if you can prove that the value of your home has dropped significantly. This will require a current appraisal of your home. I know filing for bankruptcy protection is extreme but I really do not think that the mortgage servicer or mortgage company cares much about the person about to lose their home.

The other option you may have is to seek a credit counseling agency that does not charge a fee. The ones that do not charge a fee are legitimate. Check with your local consumer credit counseling agency.

Good luck to you.

Patricia,
My name is Terri I am so sorry to hear what happened to you thats why I'm on here trying to make a difference and maybe help more people save there houses. I recently did a loan Modification with the Al Verdi Law Group. They walked me through every step of the process from start to finish, I was very fortunate to find such a wonderful company to work with. If I may recommend any company to do your loan modification I would give them a call, they did my entire loan modification in exactly 47 days and anytime I had a question they were very responsive in getting right back to me. Its unfortunate there are so many bad company's out there, If anyone comes across any other bad companies please post because no one deserves to get there house taken from them. You can contact them at [protected] The gentlemen I worked with name was Cale Swanson.

I had a terrible experience with Everhome Mortgage. Last fall I applied for a Loan Modification and they charged me $3000.00 first so that they could see what program I would qualify for. I borrowed the money as they said it was legal fees, yet I never saw any attorney's name or contact information.

They wrote up my modification doubling my payment from $3000 to $6400 which was defeating the purpose of the program. I would never be able afford that payment. I gave it my best shot but was only able to make to payments leaving me with NO money for all my other expenses and bills. So now I am again trying to get a program set up with no response and I have gotten a foreclosure notice pending and I am out the $3000 fee that they charged illegally. One more thing that company has hired the MOST RUDE and UNPROFESSIONAL people I have ever spoken to in my lifetime. I need help and just don't know where to turn or who to trust. petronila1955@aol.com

Update: I contacted my insurance company and it was not Everhome's fault about the insurance not being paid. The insurance company didn't know my mortgage had been sold. The insurance company IMMEDIATELY reinstated my insurance and stated they would send the bill to Everhome. Everhome assured me they would pay the bill in 5 days. If they do not pay the bill THIS MONTH, I will pay it myself and then I will go the normal channels: Florida Attorney General's Office, better business bureau, and then file a lawsuit for reimbursement of the fee paid.

I have to say though that Everhome answered on the 1st ring and was very nice to me. I pay by automatic bank draft so that may be why they were nice, but they were nice nevertheless. I hope they don't let me down. Also, I asked if they paid my taxes and they said they paid them last month.

I have to reinterate that EVERHOME and the insurance company handled my situation with class. Until they prove me otherwise, I withdraw my statement that they may be involved in fraudulent activity.

OMG! I just got a notice from my insurance company that my insurance has not been paid. I am going to go tomorrow and make sure my property taxes have been made. Everhome is involved in fraudulent activity. I am going to try my best to get my mortgage REFINANCED. Everhome needs to be investigated by HUD.

Everhome refused to accept the renewal of my insurance company and they applied their own insurance company, who was charging nearly 3 times more. After several months of calling customer service they accepted my original insurance. But continue to charge the difference. We are still dealing with their customer service and continue to play the hot potato game being send from one dept to another dept. Each dept claims it the other dept to fix the error. Mean while they keep collecting the extra monies for the insurance that we do not have with them. Please email me if you have a similar problem.

I just filled out a complaint about receiving automated phone messages about being " late" by one day when in fact we have 16 day grace period they have no business callling us. Here is a wonderful way everyone can benifit. CALL THE FEDERAL TRADE COMMISSION @ [protected]. I have already done this. If they receive more than 1 (mine) complaint they will investigate the company. Everhome needes to stop harrassing people it's not good business! My husband and me think that they are hurting for money. The best thing that could happen to this company is if they were bought out by some descent company!

I was set up on a re-payment plan with ever home, my payment was suppose to start on june 1st. i was not to have a payment for april or may but guess what they pulled 1, 285.00 out of my checking account causing me to over draw my checking account by 483.00 and bouncing about a half a dozen checks! i called to have the payment returned to my checking and they said it wouldn't be a problem i faxed all the info they needed into them not once not twice but i loaded up my 3 year old and 3 week old up 3 times to fax it in because they didn't recieve it. 3 times 3 different numbers and i still have no refund. Yesterday a guy named keith called and said that if i called customer service they would be able to refund my money and that its was okayed by his supervisor and i called and called and called and no one knows which keith it was and have no record and they want me to fax my info in a 4th time! i still have no money and the checks continue to come through and charge my account 25 dollars everytime theey come through and cant pull! im diguisted with everhome motgage and they have by far the most worthless ### customer service! i get better results at walmart!

On Saturday I received a demand for remittance complete with due date and instructions. I had recently received an exemption for disability from the county in which I live. All taxes and insurance premiums are part of the monthly premium terms of my 30 year fixed mortgage contract. Since this exemption was issued because of my disability, I contacted the 800 number on said demand letter on Monday because they were closed until then. Well what a fiasco, I w as told to get the check #s from my county for myself and to prove that the refund existed. Being in customer service for fourteen years, I was appalled to say the least. After I finished my research, I again called the 800 # and repeated the problem to their representative, at that time she told me that they did not have a 800# for the address that my refund was sent to. I find it hard to believe that my taxes were sent to the wrong address but were applied properly to escrow, however the refund was sent to that same address and nobody knows what happened to the refund checks, okay there are two refunds in question. Where do I voice my opinion?

Our home loan was sold to Everhome, without our knowledge of course, in November of 08. Our first payment was due Dec 1. We apparently sent it to the wrong office and somewhere in between coasts the check was lost. Contacted by Collections dept or something like that to advise no payment on Dec 14. We tried to explain it was sent, even gave them a check number, so were advised to stop payment on that check ($35 fee) and issue a new one plus $15 late fee. We complied and all was well for 3 months. Suddenly out of the blue the Collections people call again saying our check for March payment did not clear. We went to our bank and they had no record of ever processing that particular check. Our account balance was more than sufficient to cover the payment. We had our bank representative (nice lady) contact Everhome customer service and advise them of the situation. Apparently they (Everhome) wanted to charge us some fees again even though it was not our fault. The nice lady casually mentioned that was not very good customer relations which I whole heartedly agree. Everhome said they would waive fess this time. We ended up this time cancelling another check and made a phone payment however additional fees were attached. Our bank did waive the check cancellation fee. Looks like we will be in the market to re-finance again with guess who. Seems like Everhome is doing this for the extra fees.

I called EverHome on Friday the 12th of Nov. 2017. I had wanted to inform your company that my payment for November would be in on the last working day of the month due to the fact that I changed jobs. I WAS INFORMED THAT I WAS LISTED AS BEING ON A PYMENT PLAN. I explained to Customer Service representative that I had been on a payment plan and that I had caught up all my payments and was current. I also explained that I was informed in Sept. hat at the end of the moth if I was current I would be dropped from the payment plan.
The CSR transferred me to the Home Owners Solutions Department. I was connected to someone who informed me that after I made my Nov. payment that the payment plan would drop off my account. I informed him that I was promised that it would drop off at the end of Sept. when my account was brought current and that I would like that payment plan removed at this time because I had fulfilled my obligation of making my account current.
The agent could not clear up the matter so I asked to speak with a manger. Fred was the manager my call was routed to on Friday, Nov. 12, 2017. Fred was very unhelpful and his tone was negative as well as insulting. Fred started out demanding that I pay the current month mortgage. He did not even address the issue I was calling about the payment plan that was still attached to my record. I stated that it was not late as of yet because I had a grace period. Fred became argumentative and stated “No, you are late on the 2th of the month”. He also stated that he would have the payment plan deleted from my account only if I paid on my loan before the end of the month. Fred informed me that I was late by the second of the month in a manner that suggested that I did not have a 15 day grace period, thus I asked him, “if I am late by the 2nd why is a late fee not charged until the 16th of the month” Fred’s tone became hostile and he refused to look into my records and tried to use strong arm tactics on me and changed the subject back to the payment plan which he again refused to drop from my account.
I restated to Fred that my account was current and thus the payment plan no longer applied. He became nasty with me and asked when I was going to pay this month’s payment yet again. I repeated what I explained to the CSR about starting a new job and paying at the end of the month. He stated in no certain terms that unless I paid before the end of the month he would consider me late for next month if I did not pay by the first of December and the payment plan would stay attached to my account. I informed Fred that I had a 15 day grace period so if my funds came in early I would pay by the 15th if not I would pay at eh end of the month as I stated previously.
I was becoming frustrated with Fred, his tone was insulting and his terms and voice inflection was not kind, thus I ended the phone. I recalled Everhome in hopes of obtain an individual with a better knowledge of your companies computer systems and someone better skilled in customer service.
I was lucky enough to speak with Mrs. Erica. I explained the situation to Mrs. Erica. She looked into my records and saw that my account was current and that there was a note on my account that the payment plan should have fallen off at the end of Sept. Mrs. Erica corrected the problem and wished me a good day.

Yep, my payment mysteriously disappeared into thin air. The calls started a day after the grace period. They wanted me to pay over the phone. Nope, not going to happen. I said I would do a stop payment and send another check. Period. I also told them I was fully aware of their bad reputation and that I was taking notes. Now, they have set automated harrassment calls. If they really want this house, I can easily string out a foreclosure for at least a year through the court system. Furthermore, this is not a house they want. It's in a bad neighborhood, upside down mortgage, felons on every block, and is in need of very expensive repairs. I could walk away with no problem. They had better be glad I've been making timely payments, because if they ultimately end up with this house it will bite them in the butt!

Ever-Home Mortgage_ They need to be investigated. I missed 1 payment when my brother found out he
had cancer and we were taking him to DR. apt. this is considered a bona-fide error. when we realized the mistake they wouldn't even work with us to help us get caught up again. Instead they turned it over to collection and was going to start foreclosure on the house.
We had to pay lawyer fees and 6 months back payments because they returned our last 2 payments stating they were late also...

We are having the same issue (forced flood insurance because they failed to pay our flood insurance dues in time). They have given us the run-around for months and refuse to even explain the issue.
I recommend the following:
1.) Mail them an official letter using the complaint form on the following website : www.mortgagesfinancingandcredit.org/
2.) If this doesn't work then contact the appropriate regulatory agency, which can also be found at the website above

The same thing happened to my husband and me. We have NEVER been late and all of a sudden they have started calling our house every month about the mortgage payment. I am so annoyed and sick about it. I thought it was only happening to us! WTF is going on? I guess they must be hurting for money.

Everhome mortgage advertises lower intereast rates on their website than they will give to you. I watched their rates online for a week and talked with a loan officer several times and even asked for a good faith estimate to verify fees. When their on line rates dropped 1/2% overnight, I called loan officer to lock and he basicly said the rate change did not apply to me and that I could not have the rate reduction unless I bought a point. My credit score is in mid 800's and loan to value at less than 50%. Loan officer was basicly planning to steal 1 point from me. talk about a scam. No wonder our financial system is in such disarray. Theives.

It would not hurt to try and have such a clause added to yout note, but highly unlikely. Blocks of loans are sold daily by lending institutions. The way the system works is lending institutions sale loans to gain funding to generate more loans. Servicing companies purchase loans to replenish the loans that were paid off or refinanced out of their blocks of existing loans.

As for interest reduction, unless it is something mandated by the government or a clause in the original note, the mortgage company will more than likely not enter into an agreement with with a borrower to reduce the interest rate. It would be like your employer who signed an agreement to pay you a fixed salary of say 6, 000 per month, then come back and say to you because sales are down I am having a hard time making payroll, so I want you to agree to a reduction in salary for the rest of your service here at XYZ company. See my point? They are in business to make money.

Thanks, Al

they reported that my payments were late when they weren't

The $12.00 was a pay by phone fee; not a late charge. All mortgage companies charge a fee for payments that are done past the 1st of the month. To avoid this charge you can go online and set yourself up on a monthly drafting, which you can set up to draft up to your grace period for free. This way it will come out of your account within the time frame you set up, no fees are accessed and can pay after the first with no issues. Hope this helps!

I fought everhome on this same charge, it is not " a late fee" it is a payment processing fee, and if you pay online, you will be charged this amount no-matter what.
I had to pay it unfortunatly for two years, after complaining to the department of banking, attorney general's office, and the office of thrift supervision that oversees everhome, it was finally dropped. I continue to pay online, and do not pay this outrageous fee any longer.
It is just another way for everhome to rip you off.

I agree. I am on the same boat. Every mortgage compamy that I have dealt with has always had a least a 14 day grace period. This company will charge you a late fee of $12 for the first 15 days "late", and a late penalty of $32 if received more than 15 days late. Ouch!

our loan was also sold to Everhome and we have had nothing but problems.They are very rude and refuse to work with you.They have also charged us late we mailed out our payment in plenty of time for them to get it.I dont think their so -called customer service have kind of education, and they could all use a good dose of charm school.And if you can send your payments western union where youll have proof that you sent it.As far as a lawsuit, I am definately on board.

I have been dealing with this company for the last 6 months. I have NEVER in my life dealt with such unprofessional people. They are rude and unresponsive. How about a class action law suit?

I do not have a loan serviced by Ever Home Mortgage but I have seen so many negative comments about them that I had to call the 800 number Patti left. I called and explained that I do not have a loan with them so I had no loan number but I wanted to ask a few questions that will not require sharing private information about any of their active loans. I got a pleasant young lady we took the time to allow me to ask questions knowing that I am not a customer. I asked about the policy for an escrow analysis. She explained that if the tax and insurance amount is in access od 50 dollars (as yours was Patti-so your call was very justified), they will send a request to the escrow department to have the escrow investigated. The customer will be contacted within 7 to 10 business days. I asked what do the customer do if they are not contacted or have not received the analysis in the mail by then? She said that you can call in and have them review the comments on the account for an update. With the analysis being sent to the customer by US mail, some delays may be due to the mail system.

I know that it looks like I am coming to their defense, and in a way I am because I did not get the same negative experience. Understand that the customer service agent you are speaking with is in a cube with a headset on. They do not have the privilege of getting up and walking back to the fax machine or going to someones office to check on an account. They are taking call after call all day. I would suggest that, if you are not already doing so, talk to the agent with a positive attitude. They get more than enough negative calls or called where demands are made and the demand is against company policy. Just tell them what you are trying to do and ask for their advice on how to handle it. I am not saying that this and almost any company you call that has a customer service department is not going to have a few [censored]s, but let's not stereotype all customer service agents and even the company for one or two [censored]s. If you get a [censored], call back and keep calling back until you get someone with a good attitude.

As for the above comment about the skip a payment option. That is an option at some servicing companies but not a policy that all services companies have. You have to understand that the payments must be made so they can get paid. I know that to you its just one customer, but on the same day you made that request there my have been over 3000 other people who may have made the same request. If they granted the request to all of you, they would not be able to explain that to the stock holders or the people that they have to make payments to.

Hope this makes sense.

Al

I also had a similar experience with the "non-human" customer service. These guys...or whatever you want to call them, have no sympathy, courtesy or understanding of any kind. My mortgage was also bought out by Everhome and I have never been late with my payments. This month(feb/09) i wanted to skip a "one" time mortgage payment due to financial hardship. They didn't care...all they said was "you can't skip your payment, we can't help you" I can't wait til the economy rebounds...so I can sell my condo and never again associate with these slimeballs again!

We also have our mortgage with everhome. Our mortgage was sold in November 2008 from Gmac to Everhome. Everhome increased our mortgage payment by $282.00 per month. I called and spoke to several people at Everhome who could not explain what was the other tax. Our mortgage payment already included our county tax, and we have no other tax. They finally straightened it out after 3 months, but we did have to pay the increase. We have to file a complaint to get our money back. I also sent my mortgage payment on Feb. 6 priority mail with delivery confirmation. Our payment was received by everhome on Feb. 8, but did not post to our account until Feb. 20. There should be a way to file a class action on them. It seems that have many complaints and we have no choice but to deal with them since our mortgage was sold to them.

I was forced into signing a modification of my loan, which I was later told I did not qualify for, leaving me behind on my mortgage. When I asked what I could do to get caught up, I was told that I would qualify for a forbearance for six months and they would work out a payment plan with me at the end of this time to bring me up to date. After six months, they stated that I did not qualify for a repayment plan, that I dd not make enough money. During this time, I was getting nasty collection letters, when I called Everhome I was told to ignore these, that by law they had to send them to me. That as long as I was working with them, they would not foreclose. I had been saving these six months so that I could make payments. Now they say that I have to try and qualify for another modification. After I sent in the paper work with the help of a mortgage counselor, I got a letter saying that my house was in foreclosure and that there would be a sheriff's sale next month. I firmly believe that they led me down this path on purpose. Now I don't know who to turn to.

Everhome also made a mistake in calculating my escrow - payment went up 300.00/month. They will foreclose on the property. I have come to the understanding that Everhome will probably get away with this foreclosure. I have written to just about anyone...HUD listened the most intently - maybe something will come of it. This company is a disaster. I did think of burning down the house...My family still likes me better out of jail! I'm not done with them yet - I believe someday something will come of this.

The exact same thing happened to me. Someone else said they called the FBI. I am getting an attorney and I am calling the FBI. I already called and filed a complaint with the Better Business Bureau and the Federal Trade Comission.

We are going thru the same thing with Everhome, we leave messages, call them once a week in regards to the status of the paperwork we've filled out three times in three months to see if we qualify for any help and we keep getting diconnected when they "transfer the call to another department", or they never return our calls..my husband and I both feel they have been keeping us at bay to buy them time to start the foreclosure process. We have finally had it after 4 months of getting absoulutely no where with these people. Now we have an attorney.

Mortgage was paid in full since Nov 2007 and still have not received the paid in full mortgage documents, nor have they repaid monies they are holding in escrow.

Everhome mortgage advertises lower intereast rates on their website than they will give to you. I watched their rates online for a week and talked with a loan officer several times and even asked for a good faith estimate to verify fees. When their on line rates dropped 1/2% overnight, I called loan officer to lock and he basicly said the rate change did not apply to me and that I could not have the rate reduction unless I bought a point. My credit score is in mid 800's and loan to value at less than 50%. Loan officer was basicly planning to steal 1 point from me. talk about a scam. No wonder our financial system is in such disarray. Theives.

Your [protected] is the worst number ever. I need to talk to a representative about escrow taxes, and what do I get, a piece of crap telephone number that just gives a person the run around. I didn't want Everhome. I was happy with my old mortgage company. At least with them if there was a problem, I could talk to someone to take care of it.
Like the person above said, Everhome Mortgage is a dead-end.

My mortgage was recently sold to everhome. We paid our mortgage on August 5th 2008 and they are saying they never received payment. I sent a copy of the money order to the company and they claim they never got it.

Ever home Mortgage has tried to foreclose on our property, saying that we were behind and we were not. This has cost us several thousands of dollars for attorney fees.Checks were sent back saying we did not make a payment. We mailed a copy of every check, they still will not accept that they were wrong. Ever home Mortgage trying to foreclosing again. We have had to hire an attorney again to stop these proceedings. Looking for any one that has problems similar, and would like to help us in a suit against Ever home Mortgage. Please give us a call [protected]

Totally agree. My mortgage got sold to Everhome Mortgage last year. And they suck and have awful service. They are rude and do not know the ABC of Customer Service.

I finished school in the summer and was still looking for employment after graduation. All the while that I was in school, I never missed a payment and even though I was still unemployed, I continued to make timely payments. But when in November, I called to find them for alternatives and to ask them to lower my interest rate, they were so rude and although by then the government had interwened and had lowered all the rates to abysmal levels they would not budge. In fact, in response to my phone enquiry they then sent me an e-mail stating that I was delinquent when I have never ever missed a payment or even been late.

For anybody looking for a mortgage, don't use them and if possible have a clause in your mortgage that they cannot sell your mortgage to Everhome.

I am currently being over Escrowed. And I have sent county documention proving it. I also got a lower premium rate on my Homeowners insurance, after they reassesed my Escrow account...and still nothing changed. I have spoken with them several times, but they seem to be looking at my situation with thier hands over thier eyes.They are refusing to accept that they are over Escrowing me.

They are robbing me...and probrably are robbing others as well...

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

Everhome is one of the banks under the Office of Thrift Supervision call them and make a complaint [protected]. We have got to stick together

I agree with you about Everhome Mortgage.My husband and owed our home for seventeen years before we we lost it in foreclosure. i lost my job in May 2009 after working ther for thirty-five years and my husband came disabled with back problems in Feb.2009. we was trying to work with Everhome to get our mortgage lower so we could afford it. They did not want to work with us at all. We used all our savings trying to keep up the payments. The company my husband worked for does not have long-term disabilty insurance so by Nov.2009 we was trying to make ends meet just on my unemployed check. We finally got behind in Feb. 2010.My husband would call them and try to explain the situation to Everhome everytime he call it would be to a different person. In May 2010 we went to the Salvation Army for help, the Salvation Army decided to pay the three months we were behind on.The Salvation Army wrote Everhome a check and Everhome agree to accept the payments until we got the check back from Everhome saying they had already send our home to forclosure and there was nothing we could do about it! Ou home was sold on the couthouse steps in Aug.2010. Two days later my husband got his settlment from social security, so he was back on the phone with Everhome trying to work something out with them we offer to pay all the back payments plus court cost and pat them six months of payments ahead but they still refuse to work with us. Somebody or some one needs to put this so called mortgage company out of business!

I just received my 1098 form from Everhome mortgage detailing my payments / interest paid and principal over the last 12 months. they state 7 payments of over $1000.00 to the principal balance made to my account this year. Thanks somebody for reducing my principal by $7900.00 plus

there are now 10 notes entered in the month of June, one of which minused out the June payment. So do I still owe for June ? All this was an

obvious error to which I have made several phone calls

they did not send me a letter with corrections as they said they would

so I called them again. same story--cant call there cash management dept direct and don't figure they will ever get this straightened out.

Meantime I wonder who has a monthly payment coupon printed out and sent by Everhome with my account number on it-- who lost there home due to misdirected payments ?

You should never have out of pocket cost until the loan closes these are called closing cost. Unfortunatly what happened to you is probably a big scam.

My ex-boyfriend mortage was sold to this company and all he get is late letters and they adding insurance when i purchased the insurance myself. They actually made him pay for the insurance they claim he didn't have twice. Please call me with more detail because I would love for an attorney to take this case. And maybe they may just stop take hard working people money.

These people are the absolute worse. When you call them they have no idea what they are talking about. I received a voice message to call them so I did. When I did they transferred me to about 3 different reps. All of them sounded half asleep. They can't find your payment, can't find your loan, and but they can send out late notices.

i can agree with all of the complaints on these 3 pages. my question is...is anyone out there doing anything to put these bad boys out of business? ours is a totally diffrent story. began when our daughter separated from her husband. she knew that she could make the payments(no child support is being paid, whole other story) so she moved in with us, and rented the condo hoping to get on her feet. three years later the renters have moved on and she still can ot afford condo(was left with a mountain of debt after the divorce) we contacted everhome to get loan modified..hahaha b/c she was not living in the residence and because was vaccant and because she was "current" they would not talk to her. did i mention the condo was on the market? 6 weekd into the default, everhome took the lock box off and changed the locks. We had 3 showings that weekend. everhome did not tell us they were doing this. i called and complained until i got them to send me a key(which they did) got in, retrieved the lock box for the realator, and made a copy for him and us. 6 days later, he had a showing and guess what the locks had been changed again...well they(everhome) turned down a short sale, told us to re apply for a deed in lieu, which we did on 9/13/2011, got letter saying to give them time to review and they would get back to us with options and an answer...the house is being sheriff saled on 11/3/2011...rude, ignorant, arrogant people to deal with. will not return phone calls, emails, etc. all of the above compalints, they are out to forclose and no one out there is able to help any one of us.

I used to work for Everhome until I found out they cook the books. I am surprised nobody hasn't busted them for altering business records and messing with the escrow accounts.

When I was there, the business was driven by how much you can screw the customers and get away with it.

THERE ARE HUNDREDS OF COPLAINTS ONLINE CONCERNING EVERHOME MORTGAGE UNFAIR AND ILLEGAL WAYS! HOWEVER NOTHING WILL BE DONE IF WE JUST POST ONLINE..SO SEND ALL COMPLAINTS TO ATTORNEYellerysteed@yahoo.com, HE IS WILLING TO FILE A CLASS ACTION LAWSUIT ONCE ENOUGH PEOPLE SEND COMPLAINTS TO HIM...NOT INTERNET. I UNDERSTAND YOUR PAIN. THEY CHARGED ME $6000 IN PAST DUE PAYMENTS AND FEES AND NEVER ADDED IT OT M Y BALANCE!

My loan slipped into 90 days past due, which started the foreclosure process. As soon as I found out my payment was rejected (sent in time to prevent the 90 day issue, but posted late), I called and requested a pre-foreclosure letter so I could get a hardship withdrawal from my 401k. I was in constant contact with Everhome, letting them know I had the funds coming. I received enough to make 2 payments, but when I called Everhome, they refused to take them. I left that money in the bank until the hardship check came in. I called Everhome daily to update them on the status. When I got approval for the hardship withdrawal, I called Everhome and let them know that the check would be sent out the next day and that I'd have funds within 2 days. The next day, I called to get the payment amount and find out how to best make my payment and was informed that my loan was officially in foreclosure and they sent the paperwork to the attorney. The day before I was able to pay? Big coincidence there. I never should have kept them updated on the status. I was informed by Everhome that they couldn't provide me with the amount to pay. I had to contact the attorney. They also informed me that they couldn't tell me who the attorney was yet. I was instructed to call back in 2 days.

I called back 2 days later as instructed and was told (very rudely) that my loan was in foreclosure and then was asked why I was calling them. I explained that I was told to call back in 2 days to find out the information on my loan. The rep told me to call the attorney. I explained that I would love to do that but I needed the attorney's contact information. I called the attorney and was told that they wouldn't have the balance due for 3-5 business days. They had to obtain a quote from Everhome. All this time, the money is sitting in my bank account READY to be sent.

I get the quote and it is for $3k more than I owed. I received the quote on 12/22 and it was good through 1/16. After some review, I noticed that my January payment was included. A payment that wasn't even due yet. Even better, they included my "anticipated late fees" for January. They also included the appraisal fee (my house had NOT been appraised yet) and $950 in attorney's fees. I called the attorney back and asked if there was any way I could get a new quote that did not include January's payment. She contacted Everhome and they (surprise!) provided a much lower quote that would be good through 12/30. The new quote had 1 less payment ($1400), $300 less in attorney's fees, no "anticipated late fees" and no appraisal fee ($550). $2000 less that I would not have been given without specifically asking for it.

Their goal was NOT to help me keep my home, but to do everything in their power to foreclose. Too bad for them I was on the ball and refused to give in. I had NO intention of losing my home and took the measures necessary to make sure I kept it. I took my cashier's check and hand delivered it on 12/27. It was overnighted and was received on 12/28 and my loan has been reinstated. If Everhome had just let me send them the funds ASAP like I had requested, this entire process would have been reported.

They are horrible. I called to get some information that the company I was going to refi with needed. They put me through to one of their refi guys. He is full of it. I ended up giving them a chance at the refi. We were told by the loan originator that we would be able to skip 2 months if we paid our mortgage late. Well that kept us from being able to do the streamline refi. Now I cannot get him to respond to me at all. I would like to go over there and open up that can on him. Now I see why the majority of their business is buying mortgages from other companies. I used a local bank to buy my home and the loan was sold to Everhome and it makes me mad that it got sold in the first place.

We also had our mortgage sold to Everhome by Irwin. My FIXED rate mortgage with escrow was $458.00 monthly. Our payments increased every month until we were up to $1200.00. Imagine $1200.00 a month for a $68, 000.00 / 20 year mortgage!

When demanding an explanation each month as the payment went up, we've been told "escrow". Our property taxes have held steady, yes insurance has gone up, but the additional escrow they are collecting is nearly triple the annual premium. When we told them wanted to stop paying taxes and insurance through escrow and handle it ourselves, we have been repeatedly told this is not possible. Not sure how that works since I am the one who set this up through escrow for my convenience.

We also have one late payment on our credit report, Everhome. Due to the fact that it took them more than 2 weeks to credit an online payment. I called them at the time to apologize and explain that I did not send it in on time that month due to my grandmother's death, funeral arrangements, etc... Despite the fact that I had electronic proof that it was NOT a month late, it was still reported as such

I now pay (electronically) 14 days late, every month. I have no other choice as it takes the extra paychecks to cover the more than doubled payments. Every month they call multiple times daily to inform me that they have an important call for me, I speak with a representative and inform them they will be paid on the 15th, when I am paid. I've given up in attempting to deal with them or for finding any reasonable explanation for the ever spiraling increase of this modest fixed rate mortgage.

Most mortgages are due the first of the month and have a 15 day grace period. That means its not considered late if they get your check 14 days after its acually due. Thats a good deal. So stop complaining and pay your bills on time. And its very common for mortgages to be sold multiple times, but remember if it is sold they have to stick to the terms of the original loan.

i wanted to see what people thought about this company. and i wasn't surprised to what read about them.i not to long ago had the property tax bill come to the house in the year.my escrow account is low now my payment is 1140 to 1340 a month but i supposed to have a fix rate.as soon as i can i have to get another company to handle my mortgage for me.because this not right by a long shot.