Everhome Mortgage
Reviews and Complaints
Reviews Chart
930K
CLAIMED LOSSES
136
TOTAL REVIEWS
38K
PAGE VIEWS
On Time & Still "Late"
I have never been late paying until recently when my check was either lost by the USPS or, more likely, at the Everhome payment office. I spoke with customer service. The young lady rep was co-operative enough to take my perfect payment history and "paydown" habit into account. She rolled back my due date in order to conduct a "search" for the check. No good. I was forced to use the online payment option. Although she had rolled back my due date, she informed me I would STILL be charged the late fee. Annoyed? Yes. I have a FICO score in the 800's and would like to maintain it. No choice. My answer? Paying down this mortgage. FASTER! But, overall, Everhome's been pretty fair - so far.
3 comments
ID
Location
Fort Wayne, Indiana
Service
Everhome Mortgage Mortgage
I have 5 mortgage payments due to investment payments. Everhome is the only company charges a fee for online payments, $12.00. That sucks. And this stupid web site wants you to put in 100 words to satisfy them? What if you don't have a 100 #$%$^@ words to put in?...
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10 comments
PissedConsumer734018
#734018
I didn't even take out my mortgage with them. They bought it from my original lender and now I have to put up with their fees and rules. Not right!!!
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ID
Location
Saint Francis, Minnesota
Service
Everhome Mortgage Mortgage
It's so humorous how an individual can take time precious time to write a negative review about a company and never take the time to write something good about the company when something postive has been done. Be fair and understanding. There is no way when i'm...
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7 comments
PissedConsumer246867
#246867
Everhome mortgage sucks, credit the account late to add fees, expect if you fall behind you can pay the full amount due, never return calls, I miss Opteum mortgage, they were fair and great customer service. I would never recommend Everhoime, the also added to my monthly payment when they took over the loan, what crooks.
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ID
Location
Atlanta, Georgia
Service
Everhome Mortgage Mortgage
Home Insurance rip off
Everhome refused to accept the renewal of my insurance company and they applied their own insurance company, who was charging nearly 3 times more. After several months of calling customer service they accepted my orginal insurance. But continue to charge the difference. We are still dealing with their customer service and continue to play the hot pototoe game being send from one dept to another dept. Each dept claims it the other dept to fix the error. Mean while they keep collecting the extra monies for the insurance that we do not have with them. Please email me if you have a simlar problem.
3 comments
ID
Location
Miami, Florida
Loss
$7
Approved short then appraised home for more than it is worth
My mortgage was sold to Everhome Mortgage. I did not select this mortgage company. I applied for "Short Sale", and after months of rudeness from the Loss Mitigation specialist assigned to my mortgage, I was finally approved for the short sale. Then the hitch... My house was appraised for over $10,000 more than it is worth. Consequently, the short sale amount acceptable to HUD for my house is over $10,000 more than I owe on the house. Their words...Get the buyer to pay more. I was furious. Everhome had to have the offer prior to sending an appraiser to my home. They knew exactly what they were doing. Screwed me over. Then I was told that I could submit paperwork for a Deed in Lieu of Foreclosure. This would turn the house back over to HUD and clear me of the debt. Then, once again... "Oh, I'm sorry, you don't owe enough for HUD to accept a deed in lieu. Your house was appraised to high for what you owe. So, they have me over a barrel and I am totally furious over this.
1 comment
ID
Location
Auburn, Indiana
Service
Everhome Mortgage Mortgage
Everhome-harrassing phone calls about pymts that are not even late!
My mortgage was recently sold to Everhome. I have owned over 20 homes and had a mortgage payment for the last 23 years. Not one has ever been "late" (paid past the 15th-which is considered late). For the last two months they have called me with an "URGENT" message from the COLECTION DEPT! wondering where the payment is...I called them and told them they were harrassing me. My credit is perfect and I have never been late on a bill in my life...it is not "late". The rep said it was "late" because it was not received before the 1st day of the month. They need to get a life and go after the nimwhits who don't pay, bother the good ones left!
1 comment
ID
Location
Stone Mountain, Georgia
Service
Everhome Mortgage Mortgage
Loss
$100
Incompetent Customer Service
We have been customers for almost 15 years and have never been late in a payment. I have automatic bill pay set up through my bank to be paid by the 10th of the month. Yet, every month, I get a phone call around the 1st wanting to know why we haven't made the payment. I have explained bill pay to them, suggested they check our records for our history, and flat out told them they were wrong in saying our mortgage is delinquent. Nothing does any good. I told them they should be after dead beats and not good customers like us. The customer service is rude, incompetent, and does not understand mortgages at all. I am so sick of this phone call every month! I teach Real Estate Law and know the laws regarding mortgage payments. I have tried to explain to them, but no one is smart enough to understand the law. Oh, they also sent our checks to the wrong processing center and then tried to tell us we had not paid. This took over a year to correct (even though I sent them a copy of the endorsed check cashed on time and in the correct amount.) I had my attorney write a letter threatening a lawsuit if a credit change letter was not submitted to the credit reporting companies. This did get a result- an apology and a statement to the bureaus about what great customers we were. This company should not be in business and I would encourage everyone to never do business with them and to certainly tell everyone they know about the incompetency.
2 comments
ID
Location
Greenville, South Carolina
Service
Everhome Mortgage Mortgage
Everhome Mortgage Misapplied Mortgage Payments
Just over a year ago my mortgage was sold to Everhome. Twice since then they have misapplied my mortgage payments and the first time they did so they reported a late payment on my credit report. I discovered the second error last evening when they called demanding a payment made on time over two weeks ago. I fear that this will reported as late on my credit report as well. Every time I've called to correct the error I've been told that is it "my responsibility" and they refuse to correct their mistake. I can't afford to have my credit score drop every time they lose track of my on-time payments. Does anyone have any advice?
1 comment
ID
Location
Provo, Utah
Service
Everhome Mortgage Mortgage
Loss
$30
Lost payments, applied to someone elses account, destroys credit, slow applying payments, horrible c
Here is information from one letter that was sent to Everhome- Matter is still not cleared up= Company has sent replies, but with no answers- They state that I am a month behind and still owe them all these past due fees- A couple of the fees they state that I owe are from 2004? Never was I informed until year 2008? This company is completely worthless- There is absolutely no communication going on inside this company- Very poor customer service- I have been yelled at for Everhome loosing my payment - now how is that right- Would like to refinance, but they have screwed my credit so badly I am unable to. For September 2007 your records state payment was applied on a late fee was assessed on 99/17/2007 but no payment was ever applied. Payment was sent from my bank account on 08/22/2007 in the amount of $700.00. For October 2007 your records state payment was applied on 11/14/2007 and then a partial payment on 11/16/2007 a partial payment. Payment was sent from my account on 10/01/2007 in the amount of $964.84. For November 2007 your records state payment was applied on 11/14/2007, Partial payment was applied on 11/16/2007, another payment applied on 11/30/2007. Payment was sent from my account on 10/30/2007 in the amount of 946.84. For December 2007 your records state payment was applied on 12/05/07 and payment applied was applied on 12/31/2007. Payment was sent from my account on 11/27/2008 in the amount of 964.84. For January 2008 your records state payment was applied on 1/2/2008 and on 1/18/2008 payment was sent from my account on 12/27/2008 in the amount of 12/27/2008. For February 2008 your records state payment was applied on 2/08/2008 and 2/11/2008 payment was sent from my account on 1/31/2008 in the amount of 600.00. For March 2008 your records there are no payments applied, payment was sent from my account on 03/06/2008 in the amount of 695.00. In February 2008 my payment should have be for 964.84, but I sent it for 600.00 owing Everhome 364.84. In March my payment should have been for 690.53 leaving a balance of 360.37. I will be forwarding all the following documentation: • My bank statements showing the payments from my account. • Letters from Everhome Mortgage stating my payment plan. • Letters from Everhome Mortgage stating the loss of payments and misplacing of money. Due to this unfortunate mishap, my credit reports, from the 3 major credit bureaus, Trans union, Equifax and Experian report numerous 30 day 60 day late payments, which were indeed agreed upon as stated in Everhome Mortgages documentation. All payments were made upon agreement and should be reported in such a way. I expect for this to be handle immediately and in writing. I don’t want no more phone calls from some *** in your office that doesn’t understand or have enough knowledge of this situation
2 comments
ID
Location
Saint Louis, Missouri
Service
Everhome Mortgage Mortgage
Loss
$900
Ripped me off and lied
I needed a new roof and some home repairs. I called Everhome. I was lead to believe that there would be no problem with my refinance of my home. I would only be out of pocket $350. Well not only did I end up paying the $350, but another $175 for home inspector. Only to find out my loan was denied and was told they did not have the funds to support my loan in the first place!!! The reason my loan did not get through??? They said my roof needed replacing. Hello? They totally ripped me off big time!
1 comment
ID
Location
Campbell, Missouri
Service
Everhome Mortgage Mortgage
Horrible Customer Service
One can only hope that this company sells its portfolio. I have dealt with at least 10 mortgage companies is my lifetime and this company is the pitts. I put 20% down on my mortgage and it was my choice to escrow or not...now they won't let me pay my own taxes....I had no choice where my mortgage went. I will never let this happen to me again. Customer service rep told me to just file bankrupcy. I was so shocked and astounded at that reponse I thought I would fall out of my chair. I am sure the investors would love that.
ID
Location
Lake Worth, Florida
Service
Everhome Mortgage Mortgage
Refused to correct loan documentation
keep sending data to mother-in-law who has been deceased for more than 10 years. keep wishing to speak with father-in-law who has dementia. have sent power of attorney and deed records for over 10 years and Everhome mortgage refuses to correct matters. these are beyond a shadow of a doubt the most non-responsive *** on the planet. they have like government assume the position that they are above the law and they answer to nobody. if the person that owes the note were to pass away they would deserve for the insurance company never to pay off
1 comment
ID
Location
Houston, Texas
Service
Everhome Mortgage Mortgage
Rude and incompetent customer service.
My mortgage was sold to Everhome - this was not a company I selected. I have never worked so hard to set up direct debit with any business. I'm pretty sure these folks did NOT want me to pay on time. It took four phone calls and two faxes to set up direct debit. As if that wasn't bad enough I needed to change the bank account a year later. I'm still fighting to make that happen! The customer service reps are always snotty and curt. I have never paid late and just want to let these folks have their money on time every month!
16 comments
ID
Location
Kalamazoo, Michigan
Not paying escrow bills on time
In September they insisted that the Insurance had been paid yet the Company never received it. After the policy went delinquent, I paid the premium out of pocket and was later reimbursed by Everhome. Summer taxes were very close to being late. Now winter taxes have not been received by the township treasurer. Everhome advised that it was a lump sum check sent for several accounts. Makes me think they needed to save on a couple of stamps. I'm now within 2 weeks of being delinquent on taxes. There must be a way to cancel an escrow account and maintain it myself without having to pay out large closing cost to refinance with another company. Dennis S.
22 comments
ID
Location
Chicago, Illinois
Service
Everhome Mortgage Mortgage
Everhome mortgage
I would like to know if anyone else is having trouble with the way they handle escrow. It looks like they are trying to get to high of monies in the account when mortgage was sold they are trying to say the account was short by more than a thousand dollars. I called and try to explain that the way they are figuring I will have more than 700 dollars in the account even after the required amount of reserve money is left this based on 12 months they came up that the monies are distributed on different months don't matter to me 12 month is 12 months.
5 comments
ID
Location
Augusta, Georgia
Service
Everhome Mortgage Mortgage
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In 10 years I had 2 late payments... neither my fault.
The first they reversed the fee. The second several years later, they refused. My bank got on the phone with them and told them they mailed the payment out of my electronic bill pay on time. Long conference call, but they refused.
Mind you, my bank was Citibank, not a mom and pop. The Citibank rep told me she never heard of another financial institution not offering the courtesy of a credit in a situation like this. What lousy customer service. I do 6 digits of business with them for years and years and they have to be idiots over a $40 late fee.
I hope to refinance out of it soon. Let them lose my long term business over their pettiness.
i send a payment on 12/24/09.it never got there and send a new check after stopping the first check i sent.this new check send on 01/06/10 as of 01/13/10 has not been cash by everhome.it should of been there friday or monday latest.what is going on.i also have a 800 score never been late in the 3 years since my org bank sold me out to these people.getting a new mortgage..i think they want to drive me out since i have a 4.75 rate.15year.
Im calling the better business bureau on them.