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They hold your insurance claim money hostage !!!

Your are better off working with organized crime at least you know where you stand. I had major damage at my home in February and since that time this mortgage company has basically held my insurance money hostage. Everyone who I have worked with since the damage to my home has been wonderful from the great service and response from Erie Insurance (I can not say how great they have been) to the remediator who was at my house in 1 hour to the General Contractor who is putting my house back together to all the other subs who have gone way beyond the call. Then there is Everhome Mortgage these people have put up hurdle after hurdle to get the money the Insurance company has paid for the repairs. I understand the mortgage company needs to be involved. I sent them the entire check for the repairs which was cut within one week of the adjuster coming to my house. It then took Everhome 4 weeks to send me the first installment. I was paying out of my pocket nearly 20K to get the project going. After that it took over 3 weeks to get and inspector out to my home for the second installment. After the inspector came out it took another 2 weeks to get the second installment. Here is the kicker Everhome holds back the last 34% until the job is complete and all liens are signed off. So you guess it yes I have to pay the contractor and then fight to get these people to pay the remainder. I am lucky I have some liquid assets but what do others do if they do not. The thing that really bugs me is everything is done in the 1960's style of 6-8 business days like we do not have computers or any telecommunication equipment. I know it is a way to make money on money I get it but this should be illegal. This is all found money for the mortgage company to play with, I know my amount is trivial but multiply me by many and you get the picture. The other thing is these people never an I repeat never communicate with you. You have to initiate everything. Today when asking for some of the additional funding to be released I was told it would need to be at 95% complete. My question is how do I get it to 95% complete if I do not have money to pay the contractor. IF anyone has a mortgage closing and you see the name Everhome run run fast. As soon as this home repair is finished the first thing I will doing is refinance to anyone but Everhome Mortgage. They are the exact reason why people hate banks. If you work at this company I wonder how you sleep at night.
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1 comment
#1053955

I experienced the same type of issues with citizens bank. I filed a grievance with the state banking authorities and my funds were released quickly.

The state banking regulators issues fines on banks who are not complaint to state regulations. The all try to make money on other people's money!

ID
#649191 Review #649191 is a subjective opinion of poster.
Location
Exton, Pennsylvania
Service
Everhome Mortgage Mortgage
Reason of review
Bad quality
Loss
$72000
Preferred solution
Release the funding in a timely manor. Come into the 21st Century and provide electronic transfers. Eliminate the 6-8 business days nonsense

They can't get our taxes right

Every year they underpay our taxes, even though they have been taken out of escroll. They pay $10 on another land parcel and my taxes are $1009. Then they pay the rest of the escroll to principle and want to raise my house payments. Three years in a row, now you can imagine what the house payment is now. Then they want to refinance....I have called them, gone to the court house and they first time it happened, my neighbor told me that my house was in the paper in leiu of taxes, how embrassing to find out something like that from a neighbor.
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ID
#577976 Review #577976 is a subjective opinion of poster.
Location
Lagrange, Georgia
Service
Everhome Mortgage Mortgage
Pros
  • Mortgage rate
Reason of review
Problems with payment
Preferred solution
Full refund

SAndy Funds

My insurance company issued my family and I, a check because we lost our home due to Sandy and Now Everhome Mortgage company believes this is there money and are using every excuse under the book to prolong them from giving us our money.Evrytime we call, its always the same excuse. You will get your money in 7 - 10 business day. Its been almost 2 years now and they are still playing games. Im taking them to court for all the stress and aggravation. We still dont have the money. Im living in my home with no walls and floor.
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ID
#527394 Review #527394 is a subjective opinion of poster.
Location
New York, New York
Service
Everhome Mortgage Mortgage

Everhome Mortgage - Mortgage Review

I prayed that I would one day be removed from Everhome Mortgage. Well,. thank God my prayers were answered. About 6 months ago I was notified by mail that another bank had purchased my home loan. Now lets see if there will be a class action lawsuit. /
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1 comment
#1034289

wish I can GET OUT of EVERHOME....wish my mortgage was never sold to them...BAD communications,a run around at times,RE-FINANCED at a 15yr....and they told me DO NOT make next payment...it will ROLL OVER into NEW ...got a statement/call...BEHIND on mortgage...MISSED one month payment...called them STATING it was REFINANCED...one dept. NOT communicating to another...after calls TRANSFERED to other departments..and on HOLD...they finally realized NOT BEHIND.....they FINALLY said, I was RIGHT, after the RUN AROUND....

ID
#512029 Review #512029 is a subjective opinion of poster.
Service
Everhome Mortgage Mortgage

They told me it was not my money anymore it belongs to them and they can do whatever they wanted

everhome mortgage bought my contract in 2005they kept raising my escrow and it was about the same price as my mortgage kings title out of Indianapolis had given them the wrong lot number and being the lot number already had a trailer sitting on it they were charging me more taxes then necessary I was on the phone every week for a year and a half Sent them Ariel photo after photo showing where my house was setting they said there was nothing wrong I went to the county tax department and I told me that's what I told me over 2 years of taxes but I can only reimburse me for 2 years I gave them until February to straighten it out or I was ?I was talking to a ladythat was supposed to be in the front office I talked to her about 9 o'clock after I hung up with her I called Kings title in Indianapolis they told me if I ever home would release a title they would fix it I called everhome back and the lady had conveniently left to go on vacation at noon to Europe and when I finally repossessed my house they had to re set the house on the right lot something they told me what's my fantasy
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ID
#504879 Review #504879 is a subjective opinion of poster.
Location
Griffin, Indiana
Service
Everhome Mortgage Mortgage
I fought with everhome mortgage for about 3 years trying to get my house put on the right lot I called so many times I can't remember how many it was costing me extra taxes I don't know how many aerial photos I faxed them and they kept saying there was nothing...
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ID
#504861 Review #504861 is a subjective opinion of poster.
Location
Ellettsville, Indiana
Service
Everhome Mortgage Mortgage

Automated payment system

Plain and simplthe syse, did not work. Now I have a mar on my credit because I was willing to pay a late fee to pay on the 30th of the month, even in a mkonth with 31 days. Perhaps it was because it was Friday, but the monotonous voice on the recording kept repeating "to use our fully automated system to make a payment, press one". After it cycled 10 or 20 times, I went to the website where the error was "the system cannot process your payment at this time". It didn't let me even try, for any amount! Now I have to fight them aver the bad credit mark they gave me. I work for a living, unfortunately, they are not open during my off work hours, and apparently neither is their "fully automated payment system".
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ID
#492338 Review #492338 is a subjective opinion of poster.
Service
Everhome Mortgage Mortgage

Everhome Mortgage Mortgage Review

I have battled with Everhome since 2007 , I tried to modify my loan and they raised my monthly payment, I spoke with them and no help whatsoever , It was impossible to deal with these people, customer service was horrible, it seems like they pick up people in the corner looking for work and have them speak with clients, they have no clue of what they are talking about! My house was forclosed on and my balance went up by 200,000 and they could not tell me why! If there is anyone that can explain this to me and help so I can see a little justice! Let me know!
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ID
#491410 Review #491410 is a subjective opinion of poster.
Location
Ontario, California
Service
Everhome Mortgage Mortgage

Under the Independent Foreclosure Review Forced Out

In 2008, I went through some tough times, I contacted Everhome regarding a Forbearance. they request several documents which all were provided, unfortunately I was denied. The counselor stated that I should do a modification, all of my tax information was provided and I was approved for the modification plan. I needed to make 3 payments at the rate at which Everhome approved, which I did. Once I completed the trial they came back and said they were not accepting the offer and foreclosure proceeding would begin. The agent gave me $500 to leave the place clean and sent me on my way. They turn around and sold the home for $65K. When I purchased it new $192K. Under the Independent Foreclosure Review they gave me $1500 and said this was fair. How? They forced me out when they approved the modification. They owe me more! I worked hard to purchase my home. Any suggestions on how to get my money back?
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2 comments
#858256

I had a similar issue we were 6 weeks behind they set me up with some program all I had to do was pay Half of my mortgage for 6 months. The day we were officially 3 months they called us and said to pay up or get out,luckily we saved the other half of the payments.

When I called Everhome the next day I talked with a customer service Rep who Explained that the program Everhome put me on was run by an outside company, and he told me it was set up to get us 3 payments behind so it would be easier to foreclose on us.Yet they say BOA is a bad bank.

#846801

I had a similiar occurance in 2010. Six payments were never accredited to my mortgage, and my local court judge helped them foreclose and take my home.

Have you taken further action? Did you receive you monies as a final settlement for any damages?

The government seems to have audited them and provoke the lastest mailing of "settlements". The one I received is more than a joke.

Wondering if any joint action might be a possibility? Any info appreciated.

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ID
#488587 Review #488587 is a subjective opinion of poster.
Location
Atlanta, Georgia
Service
Everhome Mortgage Mortgage Modification
Loss
$65000

Wife Died and my name is not on the mortgage

I have had two mortgages with Everhome (EverBank) for 30 years. I just paid them off. The loans were in my now deceased wife's name. After 4 and one half years of sending the death certificate to Everhome, they still will not discuss the loan with me. Talk about stupidity and frustration. This bank is so out of touch I sent the final payment (guessing at the amount because they won't tell me) and it was $55 short for the satisfaction filing fee. Instead of cashing the check and asking for the rest, they sent the check back to me and started threatening foreclosure. Meanwhile they still won't talk to me. I was successful finally because one person took pity on me and pretended they were talking to my dead wife and sent the final forms out. If you are wondering how the banking industry has screwed up our economy - look no further the EverBank. I fondly refer to them as EverIdiots after sending the death certificate for the fourth time.
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1 comment
#808838

The only EverIdiot is you, pal. You and this person who took pity on you and pretended to talk to your dead wife COMMITTED FRAUD!!

They won't talk to you because you were never on the original loan, genius. Just because you made payments and you were married to her, doesn't make it yours.

Get yourself a good lawyer. You'll need it to get your Everidiot self out of prison for attempting to commit fraud.

ID
#484165 Review #484165 is a subjective opinion of poster.
Location
New York, New York
Service
Everhome Mortgage Mortgage

Lost my home

Crooks some how 15 times my paper work was lost - did not make it to there office- was no date on them - fax did not come in -no SS# was not on my paper work and it was . they could not read my name but they have my loan # on all the paper work . other things like it was lost in the mail - we could not read your address but the loan number will pull all that information up if they wanted to find it . run far away from this so called bank - mortgage company lets get a attorney the more people come forth the better we can fight Crooks - Liars - scams. lets get the New channels 2-4-5-7 in on the scams
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ID
#482264 Review #482264 is a subjective opinion of poster.
Location
Los Angeles, California
Service
Everhome Mortgage Mortgage

IT IS THE WORST MORTGAGE COMPANY WE'VE EVER HAD TO USE.

Our mortgage was sold to Everhome Mtg. from GMAC. They are difficult people to work with on so many levels. When with GMAC, we were allowed to split payments so that we would pay bi monthly. We did this for years, never had a problem. As soon as Everhome took over, their main objective has been to make sure their rules are never bent, they do not care what is happening in your life (I became ill, had to stop working, went on disability), and not once did they make any effort to try to help resolve payment plans, etc. Their ONLY concern is that you get Late charges (even if you pay the late fee w/yr payment) they still charge you. They say to put in writing all the problems you are dealing with in making your payments so they can go to their "Board" and try to arrange a solution to help. Well, we did this, two months later their response was "We're sorry there is nothing we can do to help, either pay all the fees or we'll proceed with our foreclosure proceedings'. They are not here to help you, when we always paid on time before my illness. Most mortgages companies don't charge you to go online to make a payment, well Everhome makes certain they get their $12 if you do. They are money grubbing, their purpose it simply to collect a debt, so why do they call themselves a mortgage company, and instead DEPT COLLECTOR!!
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ID
#476010 Review #476010 is a subjective opinion of poster.
Location
Colorado Springs, Colorado
Service
Everhome Mortgage Mortgage
Loss
$5000

Thieves and crooks - liars

fill out about 5 loan modification paper work all was got lost . by fax- post office - fed-x - ups - etc.. Never could my rep. to talk to me or call me back. just lies one paper did not have the date on it so they said one other paper did not have name on one other they could not read one other no ss# on this went on for months. no help at all been in the home for 30 years . now I have 60 days to move out. all loan paper work was done correctly. I had to pay an attorney been fighting for about year and a half.
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ID
#459938 Review #459938 is a subjective opinion of poster.
Location
Los Angeles, California
Service
Everhome Mortgage Mortgage Modification

Sent to U.S. department Of Justice at their request.

After speaking with the U.S. department Of Justice on the phone, they asked me to send some details about my experience with Everhome Mortgage and this is what I emailed them:> !!!! This is to alert you about a so-called mortgage management company called Everhome Mortgage having offices in Atlanta, GA., Jacksonville Fl. and maybe other locations, I don't know. Our first communique with this so-called mortgage company was an out-of-the-blue call from one of their reps., telling me they had acquired our mortgage from Bank Of America AKA (BOA) and wanting us to refinance our home. I told him I was not yet aware of such a transaction and that I would not discuss anything until we received official notification from our current mortgage company. I did not mention our mortgager's name. He started to get pushy, so I hung up on him. We received three more calls from Everhome before we received notification from BOA stating that they in fact had sold our mortgage to this group. I shrugged "oh well" and prepared to go through payment address changes and all that normally comes along when one mortgager sells your mortgage to another. Then we received another call from Everhome's rep about refinancing and I told him we were not interested and that we would contact them should we change our plans. The rep, who sounded like the same guy that I had to hang up on a few calls before, started to get arrogantly loud again, so I gave him an *** and told him never to call my home again. Feeling kind of queasy about this new mortgage holder, my wife and I decided to send our payment by two day priority mail, with receiver signature required and we don't send checks for payments, only money orders. That way we minimize the amount of our banking information that gets out there. I don't allow firms access to our banking info if it at all possible. I'm a 27+ year I. T. pro, I know better. That very same day we received another phone call from Everhome Mortgage, but this time it was their collections department. I asked why were they calling, before our payment was even late once and she said it was a courtesy call, which they do if they hadn't received the payment by the first. I then explained that I'd just mailed it two day priority, with receiver signature required and asked her to take down the United States Postal Service AKA (USPS) tracking & confirmation number. She refused to take it, but asked for our banking information and I refused to give her that, as is my practice. I suggested they check our pay history, of which I knew they should have received from BOA and also explained that we were well aware of when our payments are due, as well as what date of the month they would be late after and didn't need the calls and to please stop them. She stated that I'd have to send them a written request by mail. I asked why could I not just write the request, sign it, scan it in and email it? She replied saying they were not setup to receive it that way. "REALLY"? Do you believe that? I think they just don't want any kind of electronic paper trail. In any case, I tracked the payment via USPS online and verified that the payment was received on the scheduled day, a full week before it would have been late. Since then, we have received at least five calls from Everhome Mortgage's collection arm, stating that they have not received our payment, even though there are two more days before our payment is late. Each time the rep had refused to except the USPS track & confirmation number, until today. Why did they except it today you might ask? Could it be because I informed the rep that they weren't the only one recording our phone calls. I informed her that as they said they had been doing, I also was recording our calls on my end. Immediately she asked for the USPS track & confirmation number that I had offered so many times before. Our mortgage has been in very good standing throughout the entire time it was held by Bank Of America and CountryWide Home Mortgages, prior to BOA taking them over. Now the even more troubling part. I decided to do a search online for complaints about this so-called mortgage company "Everhome Mortgage". People, the complaints about them out there are innumerous, all bad and consistent. They receive mortgage payments within alloted time from people, but either they don't post them, or at the least say they haven't received them in order to extract those extremely high late fees that they charge. This is a purposeful scam and you already have enough people out there getting in mortgage trouble because they really can't pay. You don't need more people getting in mortgage trouble because of criminal activities by so-called mortgage companies. As you can see I and mine are going to be fine because we never trusted these ***-bags in the first place, but how many more folks are going to have to loose their homes because of Everhome Mortgage and cons like them, before some US agency investigates them?
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8 comments
#803715

Everhome

Crooks- Liars - Thieves :(

#785382

This is interesing as my mortgage was bought by them from regions bank, never any problem there.

Well i got one month behind because they sent my payment back. I also have a FHA loan with a fixed rate, which they did try to get me to refinanace(did not do) Anyhow, they sent my payment back , saying they will not accept partial payemnts. This was not a partial payment, Then i made escrow only payments and it never filled the escrow shortage and they said they posted it to my mortgage but it did not show online. then my online access has been disabled ......they sent someone outr to take pictures of my home and me, i was irraate beccause he was taking picture from his car as my kids got off the bus, *** , well after that the past few years my PMI insurance is still on my mortgage which should have been taken off after 5 years it is now 10 years , and i fell behind and they are trying to foreclose in 2 months , they said the person can help me Is "HEAVAN LAND" i said thats no real person they said yes , i called asked for this person , they are never there but they told me not to pay my mortgage, to get a modification, which i thought was FHA related , not... what i found out from a neighbor is they want our houses , they say dont pay we will help and to ignore foreclosure notices but they will foreclose and take your home , why?? we live in HEAVAN LAND , our area is newly growing and our proprty has 15 -25% increase in value because of our location, our neighbors have lost htere house theres wasnt FHA, i lied and told them i had a 2nd mortgage and asked if the mortgage cared if we have a Terminite infestation , like a blonde (on purpose) to make them not want my home , they have been really helpful since and even take partial payments , lol , guess they figured it may not be a quick flip with the termites and second mortgage, IDK but HEAVAN LAND is not a person it is a code , WE WANT THIS HOUSE...who do i go to for help with getting rid of the PMI and finding out what happened to my extra payments to my escrow shortage my payments went form 525mo to 593mo since they took over but i didnt want a change i sent the payments to them for the escrow to cover the insurance increase.

dont trust them

#746786

I'm going thru a devastating time with this mortgage company :cry

#707766

Sounds like your an ***, that really doesn't know that your payment is due on the due date not when you feel like, so guess what? do you think the mortgage company is going to say "here how about I give you 160 k, but dont worry you can pay me later?

" UMMM *** NO! Maybe instead of bashing because youre bored and didnt get your way, maybe you can do something productive and oh... I dont know... pay bill.

Im suprised you were even approved for a mortgage. I guess they just give any *** a mortgage these days...

#708775
@PissedConsumer707766

Hey Everhome Mortgage/Bank EMPLOYEE/STOCK HOLDER/OFFICIER, that's a good one. We, the mortgage consumers are not going to stop speaking out against this crook of a company and it's cronies, just because you have bad manners, a warp sense of contractual law and can cuss like a 1950s sailor.

It would be useless to try and educate you on the fine points of mortgage contracts and protocol, so I won't attempt it, but the pressure stays on and will be heightened. Tell your Everhome buddies to stop their devious practices and maybe they'll make a few honest bucks for a change. If they can't manage that, stop buying into mortgage contracts that they obviously don't want to honor. And your cuss ladened beginning sentence should read "you're an ###", not "your an ###".

Gotcha!!! :grin :roll

#877826
@PissedConsumer707766

Its obvious that you work for Everhome

#703781

:p Never thought of recording Everhome phone calls, or money orders and priority mail. Good move informing the dept.

of justice. , ,) ) ,)

#877827
@PissedConsumer703781

I believe I will be the next one to contact the authorities. Class action in my opinion is our next move.

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ID
#440990 Review #440990 is a subjective opinion of poster.

Scam to get you in the door

I was told if I refinance I could get a certain rate. They tell me the rate is locked and then drag the process out for 2 months. Then they tell you the rate increased. After you've waited believing your payments would drop and after you've paid their application fee. This is what they do to get you in the door. They waste your time knowing they were never going to give you a low rate in the first place. I thought they were requesting subordination on my second loan when in fact they never even requested it. They only wanted to drag it out so that they could say the rate increased so now you have to pay a higher rate and no we never locked in your rate. Your 2nd would have to be subordinated before we could lock in your rate. It's a big SCAM and I am reporting this to the Feds.
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ID
#435367 Review #435367 is a subjective opinion of poster.
Location
Atlanta, Georgia
Service
Everhome Mortgage Mortgage
Loss
$10000