Whatever you do... Don't do business with "Crooken Loans" I am 60 years old and have had experience getting home mortgages and refinancing my house and can tell you this is the WORST experience in my life.
The first few times you talk to them (before they get your $400 deposit) they are courteous and call you several times a day to get your business. Once you give them the $400 you can kiss them and your money goodbye. They will do anything not to approve you and keep your deposit. It's a $400 scam! Just think... If they do this to just 5 people a day it's $2,000 times 30 days... It's $60,000 a month for doing NOTHING!
In my case, the appraisal came in way over what was needed so they couldn't use that excuse. They fabricated this belief that my home, where I have lived since I bought it in 1996, was not may primary residence!!! What a joke! They asked for a TELEPHONE LAND LINE BILL. When I informed them that I, like thousands of people who live in this country, don't have land lines at home anymore and instead use their cell phones, they turned me down under the pretense that I wasn't able to provide them with the required documentation for them to approve my loan. I told them I had electricity bills, water bills, etc., which to me are absolutely necessary items to have in a house, but no... They didn't want those... They wanted a land line bill. How ridiculous is that?!
In the meantime, I was contacted by several different inept individuals who work there asking me to send all kinds of private documents like pay stubs, tax returns, property deed, just to name a few, and I was so naive that I complied with their every request. Finally, I was contacted by someone in their "Solutions Department" who offered NO solutions, only problems. I would try to offer solutions like sending them my FPL bill or water bill, but she was stuck on saying that "underwriting" wanted a land line bill. I even offered to install a land line at home even though I would not use it, but no, it had to be "before the fact"!
I know it sounds unbelieavable but unfortunately it's the truth. The final outcome was of course they kept ALL of my money and sent me an email saying thanks but no thanks.
Someone should stop them from continuing to riip people off and get away with it!!!
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