Advanced Remodeling and Contracting

The payoff amount provided to you on September 30, in the amount of $76,was calculated good through October 6, 2016. This amount included the Foreclosure fees and costs that Stonegate incurred as result of the loan in a default status. Although we had received the Purchase
Agreement, a complete workout package is required in order to suspend Foreclosure referral. As of September 17, 2016, we had not received a complete workout package and the loan was referred to Foreclosure. The attorney fees and costs, in the amount of $1,451.00, is borrower responsibility per the executed Security Instrument and Note signed at closing on June 26, 2013. These fees and costs are not able to be reduced or waived

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I would also like to add that the staff at Stonegate was always friendly and courteous as I was going through this It seemed that the company had perhaps grown too fast or that they were just understaffed; making it more of an upper level management problem Regardless, it was very painful for my company and the people that work for us I am glad to report that the money was wired in a timely manner once my request was made and that this was a huge relief for us!
Regards,
*** ***

I did confirm the tax payment, in the amount of $1,934.01, disbursed on March 8, was received by *** County on March 22, 2016. That payment was to satisfy the taxes that were due before April 10, 2016. We monitor tax payments closely to ensure timely disbursement is made on
your behalf to avoid any late payment crediting. I note the loan was paid in full on March 9, 2016. Unfortunately, we are not able to suspend any escrow disbursements once a payoff statement is requested as we have no way to determine if and when a payoff will be received. We are obligated to manage the account until the payoff funds have been posted, in full, to satisfy the obligation. I did make contact with the tax office who confirmed the receipt of duplicate payments. They advised they will process the refund back to our tax department, and in return, we will disburse the funds back to you. Please note that this may take 60-days before we receive the funds from the tax office

In the previous response, I noted that we had received the Purchase Agreement, however a complete workout package is required in order to suspend Foreclosure referral. Our records indicate that we spoke with you on September 13, and advised what documents are required for a complete workout package. During that conversation, there was a discussion regarding the reason for default and the need to provide an explanation around pay frequency. As of September 17, 2016, we had not received a complete workout package or any additional documentation and the loan was referred to Foreclosure. The attorney fees and costs, in the amount of $1,451.00, is borrower responsibility per the executed Security Instrument and Note signed at closing on June 26, Please note a notice of default was sent to you, via certified mail, on August 8, 2016. This correspondence advised that the default must be cured on or by September 10, to avoid acceleration of all sums due. I have enclosed a copy of the correspondence for reference

On 2/9/you applied for an FHA refinance with Bill *** and Stonegate MortgageAt the time of application, we are responsible for assigning your FHA case # to your mortgage applicationAfter that point, we attempted to reach out to you on multiple occasionsOn 2/17/2016, you contacted
Bill via email and asked him to release the FHA case to Bay Equity
Bill responded back and asked about the mortgage you were being offered at Bay EquityYou emailed Bill and asked him to reach out to Denise at our corporate officeBill responded back to let you know that he passed this along to his supervisor and that he would submit your request with hours
At that point, from what I understand, you spoke to Dakota *** about the steps needed to be taken in order for the case number to be transferredOnce we received the necessary documentation back from you, the transfer would be completed within business hours
On 2/17/2016, we received the necessary documents and the case number was transferred and completed on 2/19/

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution would be satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution would be satisfactory to me. We also cross referenced with the county tax office and can confirm that all property tax is now paid for the previous year as of 3/11/Thank you for your mediation in this matter
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me I do want to add that despite receiving the outcome that I desired, this has been one of the worst customer service experiences of my life Stonegate Mortgage bullied me when they could not explain to me why they were charging me more than the agreed upon monthly payment
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will continue to watch to make sure this is being reported accurately from now onI hope they really keep their word as to everything being resolved, otherwise another compliant will be made
Regards,
*** ***

At Stonegate, our customer relationships are important to us. Per review of your loan history, the August late charge was waived and is no longer an outstanding fee. Additionally, the September installment posted to your account on September 12, 2016. While we cannot control the
delivery timeline by the USPS, we are obligated by Federal regulation to post your payment within hours of receipt. Please rest assure, that we constantly monitor our controls around payment posting to ensure timely posting methods are intact For future reference, all of our important addresses and phone numbers are listed on our website www.sgmservicing.com. You will find a list of those addresses and phone numbers once you click on “Contact Us”. Please note below the payment addresses as well Regular Mail Payment Address: Stonegate Mortgage Corporation P.OBox StLouis, MO Overnight Mail Payment Address: Box: Mailcode: SL-MO-C1LB StLouis, MO

I would like to begin by extending my apologies for any inconvenience that this has caused you and your companyAs we have recently discussed, I am working with *** Mortgage to resolve this issue as quickly as possible*** Mortgage has confirmed that a wire was issued to you on
December 3, and you should receive the funds by December 4,

Your original request was for a term less than yearsIn the process of underwriting your loan, we determined that you did not qualify for a loan with a term of less than yearsThis information was disclosed to you at the time of the change as required per RESPA regulations. The
funds required from you to close the loan primarily increased related to re-establishing your escrow accounts. This information was related to you during the loan approval process. In many cases when the terms of a loan change there are rate and fee changes as well At the loan closing you agreed to the loan terms, signed the documents for a year mortgage, and were provided with a three day right to cancel. In addition, you were given information at the closing as to how to cancel the transaction within three business days if the terms, conditions or fees were found to be unacceptable by youYou did not exercise the option to cancel during the three-day period

The beginning balance of escrow funds held by Stonegate was $165,In addition to the $1,sent to you on November 21, 2014, there were multiple disbursements totaling $11,The remaining $152,was sent to you via United Parcel Service (UPS) tracking number ***
on June 2,

I have enclosed a copy of the satisfaction and recorded release of lien through *** County on 4/17/15. Should you have any additional questions, please call our Customer Service department at 800-686-Monday through Friday, a.mto p.m Central Time

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
Regards,
*** ***

Revdex.com:
In reference to complaint ID *** for your reference, details of the offer I reviewed appear below:
RESPONSE Dear Ms***:
Please accept this letter as Stonegate Mortgage Corporation’s (hereafter, “Stonegate”) official
response to this complaintThis letter is intended to respond to and address the concerns
related to the items requested to review your account for liquidation options. At Stonegate, our customer relationships are important to usAs such, let me assure you we will
work diligently to address any problems so they do not reoccurUnfortunately, we have been
unable to complete the package review due to missing required items, however we would like
to work with you to find a resolution. After the file was withdrawn on July 20, we initiated a new review with the documents
received on August 8, The documentation received in August has been reviewed and we
are currently missing the following items: ? Borrower Expense Form, please remove "Job Related Expenses" this should be added to
your Profit and Loss statement. ? Copy of most recent months Profit & Loss statement showing gross income, itemized
expenses, and net income for self-employment incomeThis must show your company
and personal name*** Need July, June, and May ? Copy of ALL pages of your most recent consecutive official Bank Statements including
the name of the banking institution, account number, and name of the account
holder(s) displayedPlease explain all deposits over $on the bank statements (If
applicable) that are not clearly stated direct deposits in a signed & dated letter
***Checking and saving accounts The missing workout items can be sent to [email protected] and cc:ed to
Steven *** at Steven.***@stonegatemtg.comSteven is your assigned Single Point of
Contact and he can be reached at 972-598*** Monday-Friday from 8am-5pm CSTStonegate
Mortgage Corporation reserves the right to supplement this response as more information
becomes available. Sincerely, Sarah *** Stonegate Mortgage Corporation Enclosure: Original Complaint; CC: *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ***[I have reviewed the response made by the business, and have determined that the response would not resolve my complaint This is not an acceptable responseEven if I attempt to submit the documents to the best of my ability, I cannot satisfy their requestFor example, Stonegate asks for "Copy of most recent months Profit & Loss statement showing gross income, itemized expenses, and net income for self-employment incomeThis must show your company and personal name*** Need July, June, and May." I have told them more than once, and so has my lawyer, that I do not have a business nameI am an independent consultant, I am not the owner of any business, not even a single member have a single-member LLCI really don't know what else I can possibly do at this point to get this point acrossThis profit and loss statement was the last thing that was supposed to be holding up this process; we've gone back and forth on this form monthsWhich brings me to a second point, "Borrower Expense Form, please remove "Job Related Expenses" this should be added to your Profit and Loss statement"? "Please explain all deposits over $on the bank statements (If applicable) that are not clearly stated direct deposits in a signed & dated letter"? The profit and loss statement, per what my lawyer was told, was supposed to be the last itemI specifically asked him to call and ask Stonegate what exactly was needed for a decision to be madeHe was told that it was the profit and loss statementNow they want me to make a correction that they can make themselves and also now explain all deposits over $200? This is just busy work? What something else will it be next month? I want, in writing, that these are the only/last "missing" items needed for Stonegate to make a decision.]
Regards,
*** *** ***

Per the phone discussion today, January 25th, 2016, we explained there are currently two parcels that have an outstanding balance related to the tax payment. Parcel *** due for $and parcel *** due for $will be paid to the county from your escrow account and any
penalties associated with the late payment will be paid by Stonegate Mortgage.
We also discussed the research we will initiate with the title company you closed the loan with, regarding the legal description of your property that is secured by the mortgage we service. Please note that you should receive a status update call from Micheal ***, Escrow Manager, by the end of the week

Our records reflect a payment, in the amount of $1,043.59, was issued to USAA Insurance from your escrow account on February 25, 2015. This payment was cashed by USAA on March 9, 2015. We confirmed your USAA insurance policy, number [redacted], is current and does not expire until March 22, 2016....

As a demonstration of our commitment to you as a valued customer, we have waived the current NSF fee on your account in the amount of $30.00.

We apologize that you experienced difficulties attempting to
reinstate your loan.  Stonegate strives
to assist consumers with reinstatement rather than proceed with
foreclosure.  Please be advised that we
have placed your foreclosure on hold for two weeks as of October 19, 2015,...

in
order to assist you with the reinstatement process.  This hold will prevent additional fees from
being assessed to your account and give our team the time to promptly assist
you.Regarding the email difficulties you experience, we have
confirmed those are valid Stonegate servicing addresses.  We apologize for the difficulties you have
had.  We request that you contact Alice
[redacted], a member of our foreclosure team, directly.  Our records revealed that you spoke with Ms. [redacted]
on October 16th and 19th, 2015, regarding your intention
to fully reinstate your loan.  At those
times you stated you were unable to reinstate as you did not have the total
amount due but that you would be able to do so upon receipt of a check you
anticipated receiving on October 20, 2015.  Stonegate remains ready to assist you with completion of
your reinstatement; please contact Alice [redacted] directly at 972-598-1581, or
our customer service representatives at 800-686-2404.