To anyone who is thinking about using this company please read this first,
I wanted to refinance my home to lower my intrest rate. After applying on-line Surepoint lending contacted me. They told me that I was approved for a loan that would lower my rate 3 points. Over the next week and a half I sent Surepoint all the documents they needed and paid out of pocket for an appraisal. Then Surepoint told me that it would be 8 to 10 days to the closing. About 2 1/2 weeks later I still had not closed.
It was the end of the month and my current mortgage was due and Surepoint told me to not make the payment because it would mess up the payoff and then it would cost ME more to get another one. They assured me that we would be closing on the loan in the next few days. I contacted my current mortgage company and told them what was going on and they told me that they understood and that it was fine if we were going to be closing on the new loan soon.
Surepoint strung me along for the next two months asking me to jump through hoop after hoop. During this time they wanted me to sign more papers because they said that the first ones were not right. When I got the new papers the rate was changed and the closing cost were more. I called them to find out why and they told me that it must have been a missprint. They assured me that the original rate and closing cost was what I was going to pay. I then received a cancelation notice from my home owners insuance company.
When I called my agent she told me that Surepoint had changed my mortgage to get paid through there escrow and it wasn't paying. She also told me that Surepoint changed my lean holder to them instead of my current mortgage company. She told me that she had the paper that I signed at closing when I refinanced with them. I told her that I did not yet close on this loan and to change everything back to the other mortgage company.
My insurance company warned me about this company because they had to of done something very wrong. I then called Surpoint to find out why they changed my insurance and they told me that they had to so the loan would go through. I told them that the insurance company told me that it would only be done at closing. I told them that I changed all my information back to the way it was before.
Finally after over 2 months they now tell me that I was not approved for the loan because of the payment that they told me not to make! Now I am out $250 for an appraisal that I still do not have a copy of! This company is not right! Please do not use them for anything!!! They will lie to you and try to screw you!!!
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