I was notified in March my payments were increasing on my 1st mortgage so I tried to arrange financing before the pre-payment penalty was up in November. They said "no" which was ok I had a 700 credit score and could go anywhere. I had fixed up my home and raised its value $40,000 in 2yrs! That's when SPS misapplied my payment for my 1st mortgage to my 2nd in June and I still couldn't get them to fix it until September.in September they pulled it from the wrong bank. They promised not to put me in the credit bureau's but they did. All the mortgage companies I went to said they did. I didn't get anything in writing though since my credit is so bad now (low 600) due to late mortgage pays and bank insufficiencies I can't secure a refinance. I may have but the company wants to know why the pay-off keeps going up a $100. Within the same month? I was told on the phone it would stay the same until the 29th of december and it's already increased $200.!
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