When a company such as Quicken Loans decides to
start in a social network as Facebook, you are asking for current customers and
future customers to express their opinions. Lets start fresh shall we? 1st.
I speak with Mustafa Tahoun a Mortgage Broker. I send this gentleman all but shy of 100
pages of information on behalf of my wife and myself. This information covers
all employment, bank statements etcThree weeks ago we get our approval letter
after Quicken Loans runs our credit. At this time, all seems to be a OK! My wife and I proceed to find a house and put down the earnest
money. All seems fine and we even pay to have a home inspection done, that was $300.00
out of our pocket.
Just a few days go by and we get a telephone call
from Mustafa that you cannot process our loan without proof of my wifes child support
income. I state that we cannot do that as her ex-husband has no paper trail to
prove his transactions. However, I do express to Mustafa that I forgot to
include a per diem check that I receive every week that is just shy of the child
support payments. I wait over the weekend to hear from Mustafa. As Monday
approaches I understand the underwriters will not accept my per diem check.
Why? He tells me the underwriter needs 36 consecutive months of this check. OK,
I have been getting these checks since I started 4 years ago and as long as I am
away from my own home I receive these. The IRS gives credit of $ 54.00 per day
for per diem. I gave my last two months of paychecks, however, all my payroll
checks are not consecutive as I do take layoff for a month or two in the winter.
Why is my paychecks OK and my per diem is not?
I called and talked to a representative this morning
and she told me the issue was not all about the child support payment but that
my wifes student loans are not on deferment for the next 12 months. Really???
Because I thought I had explained that my wife signed a contract for PUBLIC
SERVICE FORGIVENESS LOAN. What does this mean? Well, if I have to explain it
then perhaps Mustafa needs to be retrained. She signed a contract that she will
teach in her school district for the next 3 remaining years. She has to make
120 consecutive payments of $ 41.50. After fighting with Quicken Loans I went
to ask the bank this morningthe banker said Your credit has been run 5 times
in the last month through this company and dropped your score 30 points. Sorry,
we cant help you at this time for an FHA loan.
As you can see, I am slightly pissed off that I
have to talk to a middleman Mustafa then talk to someone who is competent!
And I quote from Quicken Our under-writers do not talk to customers. Maybe
they should so we are all on the same playing field! Not to mention the money
and time I have lost!!!
Ohand lets not forget the $400.00 he so politly
asked me for and never mentioned as he needs this money to Lock in our
mortgage rate???!!! Excuse me??!!! I have been talking to you for three weeks
and not ONE d*n time did you mention I had to pay you $400.00. Lets me clearno,
lets be crystal clear! Your communication sucks and your loan department must
be doing so good that sh*ting on us small people doesnt make a d*n! My
complaint to the Attorney Generals office I am sure wont mean much; of course
unless you get many from people around the state then they investigate. Soin
conclusion I wish you the best and I am sure a black mark through usacomplaints.com
and the state wont make much difference.
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