Aegis—where do I begin??!?!?
1) 2 hours before closing, I got a phone call from Chris Minjarez of Mortgage Pros (in Austin, TX) stating that the company we were closing with (Aegis) did not allow escrow accounts. He then said that it wwould not really matter because our mortgage would be sold within the first month anyway. This is was just the final straw of a string of strange occurances with the brokers office/aegis.
We had little choice of refusing the loan—our current home (which we were converting into a rental property) was already leased out, we had not place to go. SO we went to closing, signed the papers and got our keys.
2) About 4 months after making timely payments, we started getting harrassing phone calls from Aegis stating they did not recieve a payment. Although we were sure we had made the payments the argued continiuously. We had set up our escrow acct and made a deposit of 1400.00 which was also misplaced.
After making several "catch up payments" (which were bogus because we had paid on time) we started to scratch our heads. It turned out we had paid both our 80% and the 20% over 3 months ahead EACH.
Not only had thay misplaced/miscredited our payments (and we had the canceled checks to prove it) BUT they filed a negative report on our credit report. EVEN THOUGH we had an apology letter from Aegis with the promise to correct the entry on the credit report, it took almost 4 months to get that entry off.
Our mortgage was never sold and Aegis is terrible to deal with. They always pass you on to someone else who promises to call you right back (which they never do). If we had not been good record keepers we would have lost almost $5000 in extra payments!
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