AimLoan.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The proposed offer would not resolve my complaint due to the following reasons:1) The seller did not agree to pay for the deck repair ($650), because it was NOT part of the original contract signed by both partiesTherefore in order to obtain the loan, I (buyer) had to pay for deck repair from my own pocketThe seller on the other hand had paid for other repairs in the home (such as door, water heater etc.) as mentioned in the purchase contractTherefore the seller is NOT legally bound to paying for the deck repair and is also NOT willing to share the lossesThe loan denial decision made by Revdex.com happened after we repaired the deck and therefore it is your responsibility to bear the losses incurred by meI have already provided the receipt for the deck repair and I am attaching it again hereI am also attaching the past email communications between me and my realtor where we discussed that the seller will not pay for the deck repair as it was not a part of the original agreement 2) Because I could not buy the home, it resulted in the termination of the contract and I lost my earnest money ($500), which is entire due to your improper handling of my applicationTherefore I would like to be compensated for my earnest money losses as well.3) The inspection and re-inspection charges were respectively $and $4) Appraisal fee of $495.I currently have a mortgage with you for my primary home and I really I look forward to receiving a better treatment of their customers by your company Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowI don't buy the argument that it is no fault of AimloanNever before the rejection of the loan I was informed of the occupancy ruleAimloan could have at least gone through these rules with me BEFORE the due diligence period or at the very least before asking me to repair the deckRejecting a loan after asking the customer to spend money to fix the home, is unethical business practiceI tried to resolve this with the seller, but could not get the seller to legally pay for these expenses, as deck repair was not in the original binding contractI could not back out of the contact as the due diligence period was overIt is ironic that Aimloan claims that it has gone the extra mile to help me, because the company never returned my phone calls and emails until I filed a complaint with Revdex.comI don't think that is going even an extra stepI considered the complaint unresolvedThank you Revdex.com for your assistance 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 I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Greetings I would like to close the above complain since I have reached an acceptable resolution with the company ( [redacted] )Please advise if additional information is required for this purposeRegards [redacted] ***

I apologize for the frustrations you’ve experienced as a result of this transaction AIM requested the appraiser to contact the seller once all work was complete on the subject property and per our records this was done As a reminder, the appraisal could not be completed until all work on the subject property was complete The additional underwriting conditions directly dealt with the appraisal report These conditions could not have been anticipated until after AIM received the completed appraisal report Management has discussed the transaction and customer service standards with the processor I am truly sorry that you are not satisfied with the customer service Because the appraisal was completed timely after all work was done on the subject property, a refund is not appropriate in this situation

Thank you for the opportunity to address the issues identified AimLoan.com addressed your concerns regarding the appraisal with the appraisal management company and appraiser The appraiser commented that the gross living area did not include the basement; however the basement was included on line item “Basement and Finished Rooms Below Grade” The appraisal was properly completed by the appraiser Based on the result of the appraisal, you indicated you did not want to continue with the transaction AimLoan.com is not able to refund the appraisal fee because the fee was paid directly to the appraiser for services rendered I apologize for any frustrations you’ve experienced as a result of this transaction If you have any other questions, please feel free to email me directly at ***@aimloan.com Regards, [redacted] Vice President

Please see the attachedJune 16, [redacted] RE: Revdex.com Complaint Dear Mr***, Thank you for taking the time to follow up on your concernYour Final HUD statement doesshow that a 1004D Appraisal was completed to certify the report, $was charged throughclosing and that you paid for the appraisal up front of $as statedI am sorry that yourrefund was not received in a prompt manner.It appears there was miscommunication between our Loan Processor and our Accounting teamand we do not wish to miss this opportunity to rectify the errorI have personally followed upwith our accounting department to ensure a check of $will be mailed to your home.Should you not receive this refund please follow up with me directly and I will be sure torespond promptlyI may be reached at [redacted] or [redacted] Sincerely, [redacted] Processing Manager

Please see the attached letterDear [redacted] and [redacted] : I am in receipt of your rebuttal filed through the Revdex.com dated April 7, 2016, regarding your mailing address change and your request for documents sent to the incorrect addressA letter was sent to you on April 1, 2016, that contained copies of your Form and your Form 1099-INTI have again enclosed copies of those documents for your referenceIf there are any other specific documents that you have not received due to your change in address, please let me know and I would be more than happy to provide you with thoseAdditionally, as stated in my previous correspondence, your escrow refund check, number [redacted] , in the amount of $594.20, was reissued to you on March 16, and mailed on March 17, under separate coverOur records indicate that as of April 8, 2016, this check has not yet been cashedIf you still have not received this check, please contact me at the phone number listed below so I can stop payment and reissue these funds to youFurthermore, your initial complaint references you having to verify your address on the phonePlease note that this was verification of your property address, not your mailing addressAt that time, your mailing address differed and it was necessary for you to send a request signed by both borrowers to change the mailing address on fileI apologize for any confusion or inconvenience this may have caused; however, please be assured that these processes are in place for your security If you have any questions, please call me at [redacted] ext***Sincerely, [redacted] Research Department

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Aimloan required and requested documentation of homeowner's insurance, which was sent to them before the appraisal took placeIt was at Aimloan's request that the payee or policy owner on my homeowners insurance be changed The updated hoemowner's policy was forwarded to [redacted] on September 5, The bottom line is, Aimloan had my policy in their hands at the onset, but nothing was said about the necessity for me to provide replacement cost insurance until much later in the process An unreasonable request that no other lender has ever required of me Aimloan neglected to advise me of this requirement up front, which would have been optimal, but they also had the opportunity to advise me before September 5th (before the appraisal took place) A confirmation that my documents had been received by Aimloan was emailed to me on August 31, 2017.Regards, [redacted]

I got my mortgage through AimLoan when I bought my home and have since refined with them Their service has always been very good I use their internet login to monitor the account, set up auto payments, etc I'm really happy with the companies services

I would never do business with this organization I feel they are completely incompetent My husband and I have tried to "refinance" for their "amazing low rates" since Mid-May They have been nothing but difficult Our home is valued at $470,and we have A+ Credit, never being late with a payment Every time they asked for a document that I provided, they would return back with a request for more When we finally got fed up today (because the "underwriters" wanted to know why we had just made a deposit in our personal account that was large) they were perfectly fine pulling back I am out over because I had to pay the appraiser up front This is a complete farce of a company and I cannot believe you gave them such a high rating

I am in receipt of your complaint filed through the Revdex.com dated March 25, 2016, regarding your mailing addressOur records indicate we received your written request to address on February 26, Our system was updated and mailing address, which matches your property address, as for the frustration you experienced while trying to have because your loan has more than one borrower, we required written consent from all borrowers before this change could be made.Additionally, you requested copies of your year-end statements, which included your Form and your Form 1099-INT, as well as a reissued escrow refund checkI have enclosed copies of your year-end statements for your recordsYour escrow refund check in the amount of $- has been reissued to check number [redacted] , dated March 16, 2016, and was mailed under separate cover on March 17,If you have not yet received this check, please let me know.If you have any questions, please call me at [redacted] ext***

This mortgage company does have the best rates out there However, if you need something resolved good luck I have called them times now to let them know I have flood insurance and they don't need to purchase it Different email addresses from ALL the different folks I have talked to No internal communication tracking system or expectation that the person that handles the call owns the call AND the follow up They just go home and never follow through No email responses EVER Not impressed with this company AT ALL If they were truly recording the call for tracking purposes they should just give up They have ZERO tracking

Went into my refinance with AimLoan not knowing what to expect, but since they were local to me, I felt like I had some bit of recourse (real or perceived) The locality was of no consequence as I had a fantastic experience with AimLoan and never saw them in person The process moves very quickly and I took it upon myself to respond as quickly as possible to all documentation requests The process went fast and we closed in a few weeks Would have closed sooner, but my employer was very slow to respond for employment verification (almost a week) They also took the time to alter one of their forms my HOA had to fill out to reduce the cost to me charged by the HOA Outstanding!

I've done several loans before but not online I thought it would be a gimmick, bait and switch I was working with a loan officer at my bank/lender who was going to do a no cost loan refi I told him about the rate AIM was offering, way lower than his, and he was surprised and said be careful about this&that Bottom line, I was truly amazed at AIM's high level of service - from filling out the info on line, to their agents on the phone who are incredibly cordial and helpful and keep you updated every step of the way via email, to the notary who shows up at your door with all the docs to sign Couldn't have asked for a smoother, no-hassle process

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] 1, and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolvedafter waiting for Aim Loan and getting no timely response, I handled the matter at my expense Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [Your response is inaccurateWhen the seller was told that the renovations needed to be completed sooner he complied***(the loan processor) was contacted by the Title company and told that he could order the appraisal a full week earlierWhen appraiser failed to contact the seller on the date he was expected, the seller contacted himThe appraiser informed him that he had not been instructed by the lender to proceed with the appraisalThis delay falls directly on the loan processor and AIM Loans as they are the only ones with the authority to do soIf the appraisal had been ordered when he was given the 'go ahead' there would have been adequate time to complete the process even given the subsequent delays with underwriting in which they failed to identify ALL needed additional information during the first review, or even the secondThis is another reason that the failure to fund on time is the fault of AIM LoansI still maintain that I was assured on multiple occasions by [redacted] that there was enough time to complete the loan (I have detailed notes on several conversations with ***) even without giving him the extra week, which he failed to utilizeThis was misleading and highly unprofessional ] Regards, [redacted] ***

[redacted] RE: Revdex.com Complaint # [redacted] Dear Mrs***: This letter is in regards to a recent complaint you have submitted to the Better Business Bureau I have looked into your complaint and concluded with [redacted] that we must keep a copy of all documentation that has been provided to us per regulationsI can assure you though that no access to your documentation can be obtained externally as once the documents have been downloaded through the secure channel that access is then no longer granted A copy of our Privacy Policy (which was included with your online loan disclosures) IS attached to this letter and explains in greater detail how we protect your privacy I apologize that this was not explained to you in a clearer matter by the AimLoan.com Associates with whom you were working Please feel free to reach out me directly at (619) 814-or via email, [email protected] should you have any further questions or concerns surrounding our Privacy Policy Sincerely, [redacted] VP of Loan Production

Please see the attached.Dear [redacted] and Ms [redacted] :I am in receipt of the complaints that you have filed regarding the monthly collection for property taxes in your escrow accountWe have confirmed that the tax amounts that are reporting on parcel number [redacted] are valued at land only and do not include any improvements to the propertyAs such, an estimate was made at closing that your taxes would be due in the amount of $2,per installment once the full value was determined by [redacted] Countyper the assessor's office, the reassessment of your property will not be conducted until Deed of Trust has been recorded with the county, which may take approximately six to eight months.If we were to make any adjustments to your tax collection at this time, the amount being collected would reflect the land only value and would cause a shortage in the future once the property becomes fully assessedAdditionally, the documentation that you provided from the [redacted] County Assessor is an estimate and cannot be used in determining you actual tax valuesWe are unable to update our records at this time.Once your tax value has been fully assessed, you may provide the updated installment projections to the following address, and we will be more than happy to make any necessary adjustments to your account:ATTN: Tax Department [redacted] Fax: [redacted] Our records show that your loan is currently due for the November paymentWhile we have received an amount of $700.00, the total amount due is $1,184.56, and we do not accept partial paymentsA letter was sent to you dated November 17, 2015, advising you of thisIn order to bring your loan current, please remit the remaining $to satisfy your November payment.If you have any questions, please call me at [redacted] .Sincerely, [redacted] ***Research Department

Dear Mrs [redacted] : I am in receipt of your complaint filed through the Revdex.com dated March 29, 2016, regarding loss draft claim number [redacted] For your reference, a copy of our previous correspondence dated March 14, is enclosed as it outlines the history of your loss draft claimOur records show that on March 14, we received the inspection results showing 100% completionAt that time, we did not have a copy of the Lien Waiver form completed by your contractor and notarizedThe only Lien waiver that we have on file was completed by you and Mr [redacted] ., and this needs to be completed by the contractorWithout the notarized Lien Waiver, the remaining balance in your restricted escrow account could not be disbursed; however, we did disburse the second installment in the amount of $3,dateed March 17, As a means to expedite the process, a Letter of Satisfaction was sent to you by e-mail on april 6, Per the instructions in the e-mail, once the Letter of Satisfaction is received, we will disburse your final installment and send it expeditiouslyIf you have any questions, please call me at [redacted] Sincerely, [redacted] Research Department