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adin | Countrywide home loan? |
we just receieved out paperwork for our home loan from countrywide, and there seems to be alot of fees added in that we were not told about, also on the phone they told us and our agent we would be locked in at 6.5% but on loan paperwork it is now at 6.75% has anyone had any problems with countrywide and what did you do about it |
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Fico C
 |
No, your loan then was not locked. If it was then it would be 6.5%
I have been in business for years. And because unforunately agents don't tell borrowers the fees because they think they will loose the business. Fees are a part of lending and no matter what you will always have them. Even if they are small or you don't see them.
It's not Countrywide it may be your agent.
Hope that helps!
http://www.myfinancialcorner.com |
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Roger This
|
Shop around. Countrywide might not be responsible. Loan officers do it all the time. They tell you the rate has been locked and wait for the rates to drop and sometime, like this case, it goes up. Dont sign the papers as the rate difference is too high.
If you tell me your scenario, I can tell you if you can get 6.5 with countrywide or not. I can even run the pricing engine and suggest you best lenders to approach for a better rate. |
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mazziatplay
 |
It isn't your lender here, it is your loan officer. Call and ask for an explanation, you deserve one.
Now, devil's advocate... did you tell your loan officer to lock the rate? When you got your verbal quote did you talk about fees?
If you didn't lock you are still floating and rates have increased a bit. The Good Faith Estimate of Closing Costs is designed to tell you about the fees associated with the loan. This is your notification, if you don't like it, shop elsewhere. You're not tied to anyone, especially if you're not locked. |
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nate
 |
call your agent back and tell them that the paper work isnt what you were told you were getting, then demand the rate you were supposed to be getting, or you will be going with someone else... |
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Katy B
|
The same thing happened to a friend of ours...they were slapped with all of these hidden fees from Countrywide, and at the day of signing, their rate had somehow gone from 6.75 up to 7.00! I"m not sure if it was the home loan place's fault or not, but I'd talk to someone before signing all the papers! |
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CommonCents
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DO NOT SIGN the docs if you were lied to.
Welcome to the world of dishonest loan folks.
Did you us a broker or Countrywide direct ?
If they lied to you, find someone else to deal with.
DO NOT give them a second chance. |
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just4success
 |
countrywide works with mortgage brokers too, and contrary to belief, a broker can be your best bet to get the best rates among hundreds of loans you qualify for..
unless you signed a closing with any lender, you have 3 days to back out from the deal.. you can demand what you have agreed upon, and if it's already impossible to get back the 6.5%, they can give you a better compromise.. or else, find another lender or broker where promises can be delivered.. |
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ZenWoman
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Countrywide is a large and reputable establishment. The paper work is wrong and you have to let them know about it. If they can get away with it they will, anyone you deal with may do that. Remember, any agreement is only worth the paper it is written on so get EVERYTHING IN WRITING. I have spent over 20 years selling real estate so I know a little bit about it.
About the fees....if there are any like a "warehouse fee" make them take it off, they will. No matter what they try to tell you about why it has to be get rid of the fee or tell them you will go somewhere else. They love to junk up their fees if they can. True of most lenders so don't think its just them. |
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Yanswersmonitorsarenazis
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Shop around. If you aren't happy, and things have changed on you, find someone you trust locally, in person, to meet with and get your loan there.
There's no personal responsibility on the Countrywide loan officer's part here. They're a bunch of inexperienced phone jockeys, not real loan officers. |
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marxistharpist
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Yeah as a broker, I almost never go to countrywide, because they bait and switch, they tell you one thing and than when you go to closing it's something completly different. You have the option of backing out up until 3 days after closing on a refinance and up until closing with a purchase. Do yourself a favor and shop around and get good faith estimates, don't fall victim to predatory lending, make sure you read everything you sign and know the fees upfront. |
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