My name is Ruthanna Gray im writting to warn people about everhome a mortgage company that is a SCAM!!! they buy or give mortgage loans to people just to turn around and screw people over they constantly cash payments late and add late payment charges to ur accounts.This company is a scam.stay away.Example... My parents bought their house 15 years ago with GMAC as their mortgage company then in Nov. EverHome took over and its been hell ever since they dont help they dont even listen in nov. when they took over the mortgage they were late sending paperwork telling us so my parents sent their payment to GMAC we told them this already they didnt care GMAC said they would be sending it over to EverHome so my mom thought everything was ok well come DEC. they said no payment was received for Nov. we sent in proof we had paid it. Then we receive a letter from EverHome telling us that indeed they did receive a payment they added it twith the Dec. payment and put down no payment made for Nov. and 2 payments were made for Dec. and they added late charges to their account. they said sorry nothing they could do about removing late payment charges but not to worry about them well now its 2 years later we have been fighting with them and my parents are facing losing their home of 15 years to this pathetic so called company they need shut down i know all about this mortgage company ive done my research and im angry by what ive found out how is it this company is still operating when clearly the things they pull on people are illegal.People get in trouble for doing less to people then this so called company is doing.They dont call the house they send rude letters and send people by our house who attach little letters to the door when in fact i think they are watching to catch when no1 is here they can change our locks take the house and auction off the stuff in the house that is what they are known for they steal houses from people even from active men and women who are away over seas take houses from them wtf!!! well everyone needs to get together and take this company down the economy cant recover with this piece of shit company doing predatory lending they r indeed scam artists.

Ever since my mortgage was taken over by EverHome I have had nothing but problems. Their staff is incompetent and has harassed me for two years since they took over my mortgage. Every year they claim I did not pay taxes and threaten me with financial harm. The taxes are public records on the internet! All they have to do is google my county's tax website and enter my address to see that the taxes were in fact paid on time! I send proof after proof (canceled checks and other documentation), and I always get threatening letters until I call and scream at the people on the other end--to which they always reply it is a computer error. Doubtful. Why does it happen every year? I think it is probably a scam to rip off people who don't stand up for their rights or are away on vacation and don't receive the threats to deal with--they only give you 15 days to respond and it takes 7 from the date on the letter before it gets to your home--they probably hang on to it in the mailroom a little while to help reduce the 15 day period even more. That way they can scam people out of fines, fees, and whatever else these unscrupulous fiends can do to cause harm. They are predators just trying to squeeze money out of honest people.

THOSE OF YOU WHO ARE POSTIING COMPLAINTS ON EVERHOME MORTGAGE..PLEASE EMAIL [email protected]
This is an attorney that is trying to start a class action lawsuit against Everhome. Posting on the sites all of our complaints will not help anyone. I have been burned by everhome as well. PLEASE email the attorney with your complaint!

My mortgage loan was sold to Everhome Mortgage last year and since then it has been a complete disaster! For the 2nd year in a row, they have screwed up on my homeowner's insurance. I have escrow, so it's their responsibility to submit payment. In February, 2010, they submitted a payment to my insurance company. I saw the withdrawl on my escrow account. In June, 2010 I saw the same amount being credited back to my account. I called to see what was going on and they could not tell me. 2 weeks later, I received a letter stating that I did not have insurance and that they were going to force place. I immediately called and they said that my insurance company had returned the check back in MARCH. I did not receive any notice from neither my mortgage company or insurance company, but went the following day and obtained insurance. After faxing them the new policy 5 TIMES, they finally updated my account. A month later, they hit me with $35oo for forced placed insurance. Even though they sat on the check and did not notify me, they are holding me responsible for the months my property was not covered. They screwed up and not my payment is almost $200 higher. I am in the process of seeking legal representation because this is just ridiculous. I spoke to some Michael idiot today and he started the conversation by "as a courtesy I am taking your call. I have more experience than most people here." What a moron! Then he proceeded to tell me that it was not their problem. Don't EVER do business with them!

We had our mortgage with Central Mortgage for sometime and they sold it to EverHome mortgage. After 6 months being with them, I got a call from them offering me refinancing that would reduce my interest rate by 0.675 and save me 150 dollars every month.

My PMI is a lender paid PMI and I told the loan officer "Todd Miller" several times (literally more than 10 times) that if I have to refinance, I may have to start paying the PMI so I do not want to refinance. I knew this because I have gone through refinancing through other companies and they always tell me that my lender paid PMI will not be recognized by Fannie Mae and I would have to start pay PMI after refinancing. So I never bothered to do refinancing at all. But this time, Todd Miller called me several times trying to convince me that he has worked on similar cases and the applicant has never had to pay PMI in this case. He also said if the home appraisal comes to 100% or less of the loan amount, I can get refinanced with no PMI (as per new Obama's plan, I do not have to pay PMI if I am not paying PMI now). But I was skeptical as my PMI is a lender paid PMI. After multiple assurance he gave, I moved forward.

Then I paid application fee and appraisal fee (more than 400 dollars). The appraisal came to a decent price that the loan amount would be around 90% of the home value. As he promised the terms, I sent all my signed documents. He just waited until he receives all of documents and then just sent an email saying the underwriter is telling that the lender paid PMI is not being recognized by Fannie Mae and I would have to pay PMI or bring down 37000 dollars as closing cost as the refinancing can only offer me 80% of home value. Isn't it ridiculous for someone to pay 37000 just to reduce the interest rate by 0.675%? Didn't I tell him all this before?

I tried to contact him several times and sent him emails several times asking him what about the assurance he gave me before. Now he is not denying or accepting the fact that he misguided me.

He is either a cheater or an incompetent loan officer who doesn't understand lender paid PMI. I am going to talk with this manager but doubt that Everhome mortgage by itself is doing this scam. The appraisal company was set by them so I believe it could be their sister company. So they stole my 400 dollars, wasted my time and engery, and also did a hard inquiry in my credit history which is going to affect me.

I strongly recommend not to go with this company for refinancing or any other reason.