My name is Michael Gaskin, school teacher living in Lithonia GA. I am married with 2 children 4year old and 8 mth old. Credit Scores 796, 800 respectively. WATCHING MARKET LOW HOUSING PRICES I DECIDED TO TAKE ADVANTAGE OF THIS OPPORTUNITY. IT TOOK ME 4 MONTHS TO FIND A HOME. I WAS PREAPPROVED THROUGH DESKTOP UNDERWRITE WITH EVOLVE BANK & TRUST.
I am considered in the Industry Standards Perfect borrower A+++ Money in the Bank, Job Stability, Excellent Credit, No Loan/No Debts Except current home I live in. Therefore, NO DEBT OVERLOAD even if I purchase another home $120K - value of my current home plumetted $50K. I applied for a loan with Evolve Bank & Trust August 2010 (FHA Loan). I cooperated with all their request INCLUDING BUT NOT LIMITED TO Proof Children & Marriage (Birth Certificates, Marriage License, SS Numbers for children and wife) even proof that Inlaw live in my home with us {A REQUIREMENT FOR 2ND FHA LOAN}. My wife was not on the loan. It took Evolve Bank 54 DAYS to DENY FHA LOAN & switch loan from FHA to Conventional Financing. Solid Source Realty Sharell Rogers REO Specialist awarded us 3 Extensions on Purchase Contract to NO AVAIL. My agent Margaret Blackman - Integrity One Realty was in constant communication with the bank and Listing Agency plus Closing Attorney for Seller. Solid Source Realty Listing Comp. for Bank Owned/Fanniemae Property could not hold this house off the market indefinitely for me or the Evolve Bank. My agent called, Evolve Bank VP Mortgage Division Jeff Keuhn, who deferred her to VP LPO (loan Production Office) Sally Woods, John Linville, Jim Boggs Sales Manager, Robert Anderson Branch Manager and back to Eva Sleeper Loan Officer - made everyone aware that I was in jeopardy of loosing my Earnest Money, Home Inspection, Appraisal, Termite Inspection & Termite Bond money ($4500). My agent was told by Eva Loan Officer "To stop calling Jeff Keuhn or Sally Woods & to get her agent under control." They were given ample time to close this deal and Evolve Bank and its representatives were NEGLIGENT. THEY WERE HAVING A RECORD BREAKING 2 MONTHS with Purchase and Refinances AND I WAS SUFFERING AT THEIR HANDS. While they made PLENTY OF MONEY I lossed. NOBODY CARED WHAT HAPPEN TO ME OR MY FAMILY. ( I had a renter for my current home who had to go find another place to live at the last minute). THEY HAD NO ANSWERS FOR ME. END RESULT LOAN WAS FINALLY APPROVED NOV 3rd 2010 Conventional Financing but the house was NO LONGER AVAILAVLE and WENT UNDER CONTRACT ALMOST IMMEDIATELY OUR CONTRACT EXTENSION EXPIRED. SOLID SOURCE KEPT MY EARNEST MONEY AND I WAS AT A LOSS IN EVERYWAY. Fanniemae owned property 800 Deerfield Ct Stone Mountain GA 30083 WAS NO LONGER MY DREAM HOME. WE WERE PACKED AND READY TO MOVE AND PLANNING ON SPENDING THANKS GIVING WITH FAMILY AND FRIEND TO BLESS OUR NEW HOME. ALL PLANS QUICKLY CAME TO A HAULT - DEPRESSED, DISMAYED, HURT AND NOT READY TO GET ON THE BACK OUT THERE TO LOOK FOR A HOME BECAUSE TOOK ME 4 MONTHS TO FIND THIS ONE. THERE WAS NO REASON FOR THIS ... I CANNOT AFFORD TO LOSE MONEY IN THESE HARD TIMES WITH TEACHER FURLOUGH, WIFE THAT DOES NOT WORK & YOUNG BABY, ESPECIALLY WHEN IT WAS NOT MY FAULT. Evolve Bank did not seek or protect my interest. They did not live up to their standard of excellence superior service, where I was their TOP PRIORITY.

THIS bank motto "We are committed to being a responsible citizen and business leader while making available the highest quality financing service based on sound & stable policies. It is our intent to benefit our customers & the community we serve. We will strive to provide you peace of mind & that assurance that you are getting the most for your money. Efficient Effective Service You will realize the benefits of our personalized approach which is based on your needs & feel confident you will sense the honor, integrity & professionalism - cornerstones of our firm. At Evolve Bank & Trust you are our TOP PRIORITY. SUPERIOR SERVICE IS OUR STANDARD."

HELP ME CLARK HOWARD!

MICHAEL GASKIN
[email protected]
(678) 526-8738