Advanced Remodeling and Contracting

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

Our records indicate a lender placed wind insurance policy in theamount of $1,639.12 was added to the account September 9, 2015. The policy wascancelled on September 17, 2015 and a partial refund of $903.16 was credited tothe account September 21, 2015. The remaining balance of $735.96 was...

creditedto the account September 30, 2015. Please allow the enclosed loan history toserve as confirmation of these transactions. Additionally, our monthly escrow payment has been adjusted toreflect the current hazard insurance premium of $591.27 and the wind insurancepremium of $477.00. Effective November 1, 2015 your monthly principal,interest, and escrow payment will total $2,271.50. There is a surplus of $89.21which will be mailed with the next monthly billing statement. Enclosed is acopy of the most recent escrow analysis for review. We apologize for anyinconvenience this matter may have caused.

Our records reflect that your initial appraisal was lower than
expected due to an unpermitted improvement on your property.  We do commend you for obtaining a permit to
address that issue.  Unfortunately, the
related delay and subsequent late payments have resulted in you not meeting...

the
VA loan requirements at this time.  Stonegate
understands your frustration with the process and these requirements, and as an
expression of our customer service we are pleased to advise that the Company
will refund you the requested monies:  Appraisal fee of $400.00, Permit fee of $400.00, refund of Late Fees in
the amount of $201.75, for a total refund of $1,001.75.  Our accounts payable department will promptly
be mailing you a check directly.

At Stonegate, our customer relationships are important to us.  As such, let me assure you we will work diligently to ensure we address such problems so they do not reoccur.  I understand that you have requested, on several occasions, an assumption of the above referenced loan as a result...

of a divorce.  I sincerely apologize that we were unable to process that assumption prior to the release of your loan to [redacted].  Please be advised that the release of servicing to [redacted] had no weighing on your request for an assumption.  We do not sell individual loans, but rather a pool of loans grouped by investors. I did reach out to the VA Regional Loan Center that services your jurisdiction in Denver.  I spoke with Jean N[redacted] who oversees loan production and inquired about your request.  She was able to provide me with information on how to streamline your request so that you are able to move forward with the assumption, even after the loan has been released to [redacted].  The VA is sending you a letter with detailed information on what documents they will need in order to process your request.  She also mentioned that the one piece of information that typically slows down the review process is obtaining a status letter from the Servicer.  While this information is not listed in the letter you will be receiving, from the VA, as required documentation, she did ask me to inform you to include an account status letter with your documents you will submit to the VA for review.  I have enclosed the letter with this response for assistance.  Once the VA reviews and provides their decision, [redacted] would be responsible for the final transaction.  If there are any fees associated with the transaction, please note that Stonegate Mortgage will be happy to refund you what [redacted] may charge.

After listening to your concerns, we were able to lower the interest rate to 3.875, which in turn lowered your monthly payment by $190.  We were also able to minimize the amount of cash you were required to bring to closing to less than $300.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

At Stonegate, our customer relationships are important to us. As such, let me assure you we willwork diligently to ensure we address such problems so they do not reoccur. As informed byJeffrey A[redacted], SVP of Stonegate Servicing Default Management, we have notified [redacted], yournew Servicer, of the...

escalated case in which we have requested a disbursement to be made to[redacted] to renew your policy. I have confirmed $1,609.00 was disbursed on September 8, 2016from [redacted]. This disbursement covers the cost of the annual renewal, therefore, Iencourage you to reach out to your insurance agent directly to inquire about any out-of-pocket payments that you may have made directly to [redacted] and the status of the refund. I apologizefor any inconvenience this may have caused you.

Per our phone conversation on Tuesday, February 14, 2017, we discussed the reasons why the pastseveral payments were rejected and returned to you.  As stated in the certified breach letter, mailed to youon December 17, 2016, the funds must be made in full and via certified funds due to the...

default status.  Ihave documented your account and notified our cash processing department that you sent in a certifiedcheck, in the amount of $13,817.04.  This amount would bring the account to a current status applying tothe November 2016-February 2017 payments.  Please note that once this payment posts, I will have yourcredit corrected for the January 2017 payment based on your efforts to reinstate the account through thebank-to-bank transfer on January 31, 2017.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The refunding of money was helpful.  The main issue of late payments showing in Stonegate's system is a lasting effect.  I attempted to refinance and was denied until September 2016.  I was denied because Stonegate will not change their system in regards to my account even though I had followed their original advice and got sent into a downward spiral.  Until Stonegate corrects the late payments in their system, I will never be satisfied.    
Regards,
[redacted]

Stonegate issued your tax payment on April 14,2015, in the amount of $2,069.73, with check #[redacted]. The check was sent FedExto the Johnson County taxing authority and they signed for the check on April17, 2015. Johnson County did not cash the check nor return the check to us. Weissued a stop pay on...

check # [redacted] the original tax payment, and issued a newcheck in the amount of $2,069.73 on June 10, 2015. The taxing authority agreedto waive all penalties and interest

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. They sent me exactly what I was waiting for in Certified Mail.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The representatives at Stonegate that I talked to never informed me about filling out the workout packet. If they would have informed me about the workout packet after sending the accepted purchase offer on the house I would done that. I firmly believe Stonegate Mortgage should make their employees inform you with that information first thing. Since Stonegate mortgage did not inform me to fill out the workout package after the accepted purchase offer. I would like Stonegate Mortgage to reimburse me $1,751 for not originally informing me about the workout package and if not I will escalate the issue and will consider filing a lawsuit against Stonegate Mortgage for attorney fees and damages for making a foreclosure show up on my credit report when I already sent Stonegate an accepted purchase offer on the house.
Regards,
[redacted]

At Stonegate, our customer relationships are important to us.  As such, let me assure you we will work diligently to address any problems so they do not reoccur.  Unfortunately, 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.The missing workout items can be sent to [email protected] and cc:ed to Steven [redacted] at Steven.[redacted]@stonegatemtg.com.  Steven is your assigned Single Point of Contact and he can be reached at 972-598-[redacted] Monday-Friday from 8am-5pm CST. Stonegate Mortgage Corporation reserves the right to supplement this response as more information becomes available.

On April 14, 2015, you were issued a conditional approval. Under the terms of your contract with the seller, the “final objection deadline” was April 16, 2015.  Per the terms of the contract, by not requesting an “Amend/Extend,” you would be required to close by the scheduled close...

date.  While Stonegate had provided a conditional approval, at no time did Stonegate advise you that you had full loan approval. Due to being unable to meet the conditions required, your loan was ultimately declined (declination letter attached).  By not requesting an “Amend/Extend” with the seller at the time of the “final objection deadline,” you were obligated under the terms of the contract to close on the property byApril 30, 2015.  When the terms were not met, the sellers executed the Earnest Money Release (copy attached) on May 1, 2015.  It is our understanding that you made an effort to have your EMD returned by the seller, but lost in mediation.  Please note that Stonegate made attempts prior to their April 30th deadline to assist in finding another alternative to obtain financing.  We later learned that you had chosen to purchase a different property within the same subdivision through another lender. At no time, did Stonegate commit to refund your EMD.

To make up the difference for what you were quoted and what youpaid, you will be credited back $186 to cover the loan funds that were short toclose.  On top of that we’ll be creditingyou an additional $500. At Stonegate,our customer relationships are important to us. As such, let me...

assure you we will work diligently to ensure we addresssuch problems so they do not reoccur.

On Thursday, March 9, 2017, your escrow administrator spoke to you regarding the miscommunication about the payment to your contractor.  As was discussed, the HUD consultant determined that the previous contractor was to be paid $24,311.  Once the previous contractor agrees to this amount...

we will move forward with the new contractor to get the project completed.  If you have any additional questions or concerns, please contact us.

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

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

Please note that our Insurance Department has received all the proof of coverage necessary in order to eliminate the lapse in coverage as initially discussed.  As a result, we have submitted a credit correction to all four credit bureaus for the February 2016, March 2016, and April 2016...

reporting months.  Please note that it may take up to 45 days for the credit bureaus to update their records.  I have also enclosed a confirmation letter for your records.

Our records indicate that a disbursement, in the amount of $999.30, was sent to the Catoosa
County Tax Commissioner on February 26, 2016. We acknowledge the taxes were delinquent
and as a result, Stonegate Mortgage has paid the late fee in the amount of $29.97. This did not
impact your credit...

reporting history nor was the fee assessed or charged to you in anyway. We
apologize for the inconvenience. Please use this response as confirmation of payment.