American Home Mortgage Reviews
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Nesey
November 22, 2010
Modification into Forclosure Hell
I am by no means saying that falling behind is not my fault or that I couldn't have done better, but I have a severly asthmatic child at home who had pneumonia 4/5 times and had to be off work a week at a time. I went and asked for help because I was way behind on the bills. I sent the modification packet in June '10 and preceeded to resend in whatever they asked for. At the end of July '10 I contacted AHMSI to see what was going on and was told that my packet was completed at the end beginning of July and that I should be receiving my paperwork within the first week of August. I asked for clarification and made sure it was not going to be a phone call.
I figured it was going to take longer so I waited. September comes I call and find out that not only has my packet not been reviewed, it hasn't been assigned to anyone, and I have to resend everything Oh and by the way send at least $3000 because they will probably foreclose in the next couple days. I am a single parent of 2 that is not possible. I, also, had to call every other other day or so to make sure that they received the paperwork and that someone was assigned to review it. So did I also have to put the pen/pencil in their hand to. But when they said I had to be proactive. How dare they? What was starting all this in the first place.
They didn't even have that I was living in my house. I had to prove that I was living there. So I started resending the paperwork and talking to them every other day. Degrading having to say why I was late and being asked, "Do you want to keep your house?' Than to have to resend the same thing again. Than I tried to send money and they sent my money back. When I asked why I was told that they wanted all the money.
Then it happened they started foreclosure. I have been at this for 6 months. I have been lied to and talked down to and all because I asked for help. Something is not right with these people. They don't read your file or give you any respect. For people who say they don't want your house I can't tell.
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Negative Am Girl
August 1, 2010
Not sure if they are a good company
I would like to do a loan modification out of a negative amortization loan but after reading all your comments I am a little worried
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claudiaj
February 4, 2010
They foreclose my house
we purchased a home with American Home Mortagage back in May 2006 in 2007 we noticed they had lied to us in regards the loan. we tought it was a conventional adjustable yearly not monthly. we try loan modification and got denied we attempted this 3 times we even paid to get help. all they could respond in a simple letter was that we had lack of income and at this time the Lender/investor was not doing modifications to try next year and be current on the payments. we stop paying the loan to see if their "home retention Specialist" would help. yeah Right. we never got a single letter offering help or options to help us retain our home. all we were receiving was harrasing calls from overseas from a 1-877-304-3100 and they were no help they never had info on nothing. we contacted a realtor to short sale our property AND EVEN HER WAS IGNORE THEY NEVER GOT BACK HER. the negotiator the the case on hold??? well we just found out our property went into foreclose without our knowledge and no one purchased it so its Bank owned. I been doing my research and many states have a class action againts them. Is anyone going to stop them. please help
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Vivian Clarke
January 20, 2010
Info reported to Credit Bureaus not associated with their company
I have never had a loan with American Home Mortagage. I had a loan with Options Mortgage until 8/2007 when I refinanced with Countrywide Mortgage. The mortgage was paid in full. I understand that over a year later American Home Mortgage bought Options Mortgage. I did not even know that Amer Home Mortg. was on my credit report until I applied to refinance my home back in August. IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A NEGATIVE REPORT THAT I WAS LATE ON MY HOUSE PAYMENT IN 8/2007. tHAT WAS WHEN THE REFINANCE OCCURRED AND THE MORTGAGE WAS PAID IN FULL. i CALLED AMERI HOME MORT TO GET THEM TOP REMOVE THE NEGATIVE INFO FROM MY CREDIT REPORT, SINCE THEY WERE THE ONE WHO PUT IT ON THERE, THEY ARE THE ONLY ONE WHO CAN REMOVE IT. THEIR REP STATED THAT THE INFO SHOULD HAVE NEVER MADE THE REPORT TO THE CREDIT BUREAUS. I WROTE AN EXTENSIVE LETTER TO ALL THREE CREDIT BUREAUS, ABOUT THIS ISSUE. ALL THAT AMERICAN HOME MORTG DID WAS ADD TO THE REPORT, NOT TAKE AWAY THE NEGATIVE INFORMATION. I HAVE BEEN DENIED THREE REFINANCE OPPORTUNITIES BECAUSE OF THE INCORRECT NEGATIVE INFO. PLEASE REMOVE THE NEGATIVE INFO IMMEDIATELY, BEFORE I LOSE THE OPPORTUNITY TO TAKE ADVANTAGE OF THE GREAT INTEREST RATES. I HAVE NEVER BEEN LATE ON A HOUSE PAYMENT IN MY LIFE. IF IT IS NOT DONE, I WILL CONTACT MY ATTORNEY TO FILE SUIT AGAINST AMERICAN HOME MORTGAGE FOR THE NEGATIVE IMPACT IT HAS HAD ON MY OBTAINING A REFINANCE ON MY HOME, PLUS PUNITIVE DAMAGES FOR ALL MY STRESS AND ANXIETY OVER THE INCORRECT INFORMATION.
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Sherry Watts
September 21, 2009
Lack of communication
We have battling with this company for almost nine months now - - trying to process a home modification loan. Everytime we speak with someone via phone we have a different person who tells us something different. We have been told that our paperwork has been assigned to a negotiator and to expect an answer in ?7 days, ?21 days, ?3 months, etc. We get different answers every time. Also, it would be nice to speak with someone who actually understands and can speak the English language!!! Our home has supposedly been placed in foreclosure status - - there again, we are told ?not to worry about that at this time, ?the foreclosure process will be stalled once the paperwork is in the negotiator's hands, ?the process will go on until the process is loan modification process is completed. We don't know if we are about to be kicked out of our home or what is going on!!!
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Andrea Kent
July 1, 2009
SCAMMING PEOPLE OUT OF MONEY
THEY TOOK MORE THAN THEY WERE OWED!!!
I paid them a month ago and they say I still owe 15000.00
I was fortunate enough to sell my house inn 3 days - before it went into foreclosure. They stated that if I called on the fourth of May they wouldn't put it in foreclosure well guess what the closing company called on the 4th and faxed the info they foreclosed on the 5th making me pay an additional 3000.00 Not to mention the fact attorney fees of 1950.00 - That wasn't the end of my nightmare!! They also took advanced escrow out of my payoff for insurance and taxes well I paid those in Mar of 09 when I told them I had proof they said that I can't get back what they paid out - Whats sad is I paid it twice in Mar 09 and May 09 and thats my fault! Here are 2 letters I sent to them!!
LOAN NUMBER: 4000127243
Andrea Hawthorne/Andrea Kent
1813 MEYERS PL
OKLAHOMA CITY, OK 73111
To Whom it may concern:
Enclosed is a copy of my payments. When I spoke to the customer service rep they stated that I had not paid after the month of April 2008. Here is a confirmation report from the United States Bankruptcy Court showing all of my payments. Please adjust and refund the difference.
Pages 4 and 5 reflect these amounts…
Also, enclosed is a copy of a letter I sent to the Federal Reserve consumer help line in reference to all of my issues with your company. How can you charge me nearly 3000.00 for my home going into foreclosure for one day?
Please correct any and all mistakes in my file
A COPY OF THIS LETTER AND ANY AND ALL CORRESPONDENCE IS GOING TO THE FEDERAL RESERVE CONSUMER HELP AND COMPLAINT DEPARTMENT.
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
American Home Mortgage Servicing Inc
Customer Care Department
PO Box 631730
Irving, TX 75063
Re: 4000127243
This is a formal complaint:
After looking at the evidence you will completely see that there is a refund due of approximately 15, 000.00!!
If you look at the annual escrow account dated June 16th, 09 DATED after I closed and paid off the loan! There was 6, 940.56 taken during closing please look closely at the ANNUAL ESCROW ACCONT DISCLOSURE STATEMENT! Why would you guys take 6940.56 for ADVANCED ESCROW if I sold the house! Please see the payoff stmt!! Escrow Advance of 6875.54
Let me now discuss Interest of 7394.10. the customer service agent stated that my last payment was April of 08 - Oh really! Please see the statements from the UNITED STATES BANKRUPTCY COURTS – They have cancelled checks from you guys for the rest of the months HOW DO YOU EXPLAIN THAT! How do you explain the fact that you guys charged for future payments up to 05/13/09 please see the payoff stmt!
Again when the closing company called on the 4th for the payoff it was 45506.07! It went up on the 5th when they called again to 61470.86 saying oops I went into foreclosure that morning but they stated that if the closer faxed the required documents on the 4th then that would have saved me 4000.00 – well lets see she did and so did I and we have a transmission okay stmt saying we did. Please see the original online dispute form with the contact information of First American title contact name and number which is enclosed in this packet I contacted the federal reserve consumer help online on the 30th of May 09 and disputed all of this information with names and numbers. Also you charged me for an atty which is wrong! Again they stated that if we would have called or faxed on the fourth of May I would not have been charged please contact Lori at the title company she has the fax transmission and in your own notes we called on the fourth so why do I have to pay those charges!
Respectfully,
Andrea Kent
1813 Meyers Place
Oklahoma City, OK 73111
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max staples
May 23, 2009
ESCROW ANALYSIS MISTAKE
I RECEIVED ESCROW ANALYSIS ON 4.26.09. THERE WAS AN ENTRY I COULD NOT IDENTIFY. I CALLED THE COUNTY & CITY. I SPOKE TO ALL DEPARTMENTS THAT MIGHT HAVE SENT SUCH A CHARGE. NOBODY HAD EVER HEARD OF THE ENTRY. I CALLED AMERICAN HOME MORTGAGE TO IDENTIFY THIS CHARGE. NO SUCH LUCK. I HAVE SPOKEN TO 5 DIFFERENT PERSONS TO GET HELP. THEY ALL PROMISE BUT NEVER CALL, FAX OR E-MAIL. I DID RECEIVE MORTGAGE STATEMENT FOR JUNE. OF COURSE THE NEW ESCROW WAS INCLUDED. THIS AMOUNTS TO OVER $ 600.00. I HAVE ALSO FILED COMPLAINT W/ TEXAS ATTORNEY GENERAL'S OFFICE. ANY HELP OR SUGGESTIONS WILL BE APPRECIATES
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Tania
February 6, 2009
Harassing/Calling 50 times in 1day
Tania Aikman
1216 Majesty terr
Weston, Fl 33327
Harassing/Calling me 50 times in 1 days
My Mortgage Company (American Home Mortgage) calls me everyday of the month over and over. I will talk with a person and tell them I have a grace period which is by 16th of every month, but still get another call from another customer service rep within 5min on the same day after I just spoke with a person before. I have never gone pass 30 days without paying my mortgage. Time is inflexible but I make sure the mortgage get paid every month, I also have other mortgage company and never gotten any phone calls from them before. I honestly think if I am 30 days past due they have the right to call me then, but not before I pay every month. Please don’t call me unless I am 30days past due that what credit card companies does, also I can understand after the grace period. I have this mortgage for 3year and didn’t have any complaints with (Option one). This loan was bought by (American Home Mortgage) and I feel like they are harassing me.
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November 25, 2008
changes my terms of the loan
I am outraged! American Home Morgtage has litterly changes the terms of my loan. They can't back it up and I've requested such simple things from them and they can't provide me with anything. They barelt speak english and they could care less if I'm loosinf my home or not. I have papers in front of me that has one type of loan but they screwed me!!!
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October 9, 2008
Rip off
I would just like to thank Dave H from American Home Mortgage in Powell, OH for giving me a loan I could not afford. I will certainly take the responsibility for being dumb enough to sign for it. Dave told me that my mortgage payment + taxes and insurance would only be $700-$800/mo. but once we got to the closing table we found out it would be more like $900-$1000/mo. I should have backed out right there, but I was too scared so I just went with it.
Now, I have lost the house and filed bankruptcy all because some guy named Dave pretended to be qualified and actually was not. Th-th-th-thanks Dave. G-g-g-good l-luck with your future, and may you become richer at the expense of others.
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