Around the first week of December I was contacted by Jessica Nigro from Aegis Lending Corporation. She was trying to sell me a loan with her company.
My husband and I were already considering a cash out refinance to re-model our kitchen, so I listened to what she had to say.
Jessica told us that we would be getting a 6% rate, and we could do a refinance with a $20,000 cash out for a little more than what our current house payment was. On top of that, she said we would close before our December payment was due (before Christmas), so we would not have a payment for December or January. It sounded good to us, so we told her to proceed.
She then proceeded to set up an appointment for an appraiser to come to our home. The appraiser came out, and we waited patiently to hear something. SEVERAL days later, after calling Jessica at both her office # AND her cell #, I finally contacted her only to find out that the appraiser she hired was "crooked" and being investegated for fraud, and that they were not on their approved list (seems she would have known this prior to hiring them...) She set up another appointment with another appraiser who never showed up. Again, it was me who had to contact them to find out what the deal was (approximately a week later). When I finally got in touch with her, she informed me that the first appraiser's report could be used after all. She then set up an appointment for a notary to come to our home to sign the loan papers the following evening at 7pm. The notary never showed up nor did we recieve a phone call from anybody saying why.
I tried for several days to contact Jessica both at the office and on her cell. I left numerous messages on both that she never returned. I finally called the office and spoke with James who told me that Jessica was on vacation. Apparently, nobody was handling our loan the entire time she had been off. We waited a few more days, and I called the office again practically begging that SOMEBODY handle our loan in her absence. We spoke with James who told us that the notary they had hired was not on their approved list (sound familiar?) still, nobody bothered to inform me of that. James then set up another appointment with another notary for 2 days later at 7pm. 7:30 comes and goes with no word from anybody. Luckily, James had given me the notary's phone number so I called him, he was running late. He finally showed up around 9pm. We sat down with him and signed paperwork, he could barely tell us where we needed to sign, let alone answer any questions we had.
We also noticed that the cute little interest rate she promised was based on us choosing to have a pre-payment penalty on our loan, if we had chosen not to have a pre-payment penalty, our rate would have been a percentage higher. (gee. Which one do you think we chose?) The notary said he would get the report to Jessica over the weekend. This was a friday. Monday morning I called Jessica who had not recieved the paperwork as of yet, but she said she would call when it came in. Over a week went by with no word, when I finally got hold of Jessica she said the paperwork had come in and she sent it out to (where-ever they send it).
At this point we were already considered 30 days late on December's payment, and we were getting death threats from our current mortgage company.
After several days of not hearing from anybody, I called Jessica again, who flatly told me that it was out of her hands and she gave me a phone # for someone named Kathy. I called Kathy MANY times before I got her on the phone. She gave me the # to Amber at the title company. I called Amber who said Kathy had JUST sent her the paperwork THAT morning. (over a week after we closed) and she could not disperse funds for 3 days per VA law. Six days passed, and I called Amber again, who said she was dispersing funds that day. 3 days later (exactly 7 days before we would have been considered 30 days late on January's mortgage, our mortgage was paid in full. This nightmare began the first week of Dec. And ended 1/23. (remember we were told things would be completely wrapped up before Christmas!)
Well, its not really over yet. Remember me saying we took a $20,000 cash out? The check we recieved was for $17,377.00. I have spoken with someone atr Aegis 3x, and nobody can tell me where my other $2,600.00 is!!! James keeps telling me he is trying to get me some kind of refund for my trouble, and he keeps SAYING he will call me back, but never does. I always have to call him. Here is a breakdown of what this company has done to me:
*Ruined my credit because of promises not kept
*charged me a whopping $6000 discount point fee and many other "junk"fees.
*continually, on a regular basis lied to me or withheld important information regarding my loan.
*still has yet to tell me why I am missing almost $3,000 of my cash out (this has been going on now for over a week.)
*dodges my phone calls, never calls back when I leave messages
*once they have you in their claws, they totally forget about your needs as a customer.
Check the BBB people, if I had of, I wouldn't be mixed up in this mess right now.
Sincerely, T. M (sucker)
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