AimLoan.com

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.

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.I have NOT reviewed the response made by the business in reference to complaint ID [redacted], and have NOT determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Once again, there is no attachment to the email I received from the Revdex.com.  There is nothing for me to review.  This same thing happened with my last complaint.  If there is some trick to finding and opening an attachment, please let me know.  On the email that I received there is nothing on the "Attachments" line and there is nothing that appears to be an attachment for me to click on.  I am using a [redacted] if that is a problem for your system.  Your assistance is appreciated. 
Regards,
[redacted]

This mortgage company does have the best rates out there. However, if you need something resolved good luck. I have called them 6 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.

Dear Mrs. [redacted]:I am in receipt of your complaint filed through the Revdex.com dated March 9, 2016, regarding loss draft claim number [redacted].Our records show that claim check number [redacted] in the amount of $11,544.41 was received on January 28, 2016. The funds were then...

deposited into a restricted escrow account on January 29, 2016. As the claim check exceeds $10,000.00, repairs are to be monitored, and funds are to be disbursed in installments as repairs progress.As no other documentation was received with your claim check, a letter was sent dated February 2, 2016, requesting the Insurance Adjustor's Report and the Contractor's Estimate.On February 9, 2016, we received a call from you to request a status on the loss draft claim check. As you were not authorized to speak on behalf of this account, we were unable to provide you with any loan-level information at that time. Our representative advised you on how you could be granted authorization. The same occurred several times after, as well. We received the necessary authorization on March 3, 2016, and you were added as an authorized party on this account.You and Mr. [redacted] were advised several times over the phone as to what was needed to proceed with the loss draft claim, as well as by correspondence in a package sent to you dated February 16, 2016. Enclosed is a copy of this letter for your reference.The Contractor's Estimate was received on February 24, 2016. This estimate did not include the contractor's name, so a letter was sent advising of this. This was received on February 29, 2016.The final document required to proceed with the claim was the Insurance Adjustor's Report. This was not received until March 1, 2016. The first installment in the amount of $3,848.13 was disbursed on March 2, 2016.Per your request, we submitted a work order on March 3, 2016 with our third party inspection company, [redacted], to have the repairs inspected for 100% completion.On march 14, 2016 we received the inspection results showing 100% completion. Once we received the Lien Waiver form that is completed by your contractor and notarized, the remaining funds in your restricted escrow account will be disbursed. The only Lien Waiver we have on file was completed by you and Mr. [redacted], and this needs to be completed by the Contractor. This information can be sent to the following address:ATTN: Loss Draft Department[redacted]Fax: [redacted]If you have any questions, please call me at [redacted].Sincerely,[redacted]Research Department

I am in receipt of your complaint filed through the Revdex.com dated March 25, 2016, regarding your mailing address.
Our records indicate we received your written request to address on February 26, 2016. 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 2015 Form 1098 and your 2015 Form 1099-INT, as well as a reissued escrow refund check. I have enclosed copies of your year-end statements for your records. Your escrow refund check in the amount of $594 - 20 has been reissued to check number [redacted], dated March 16, 2016, and was mailed under separate cover on March 17,2016. If you have not yet received this check, please let me know.If you have any questions, please call me at ** [redacted] ext. [redacted].

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, 2015 is enclosed as it outlines the history of your loss draft claim.Our records show that on March 14, 2016 we received the inspection results showing 100% completion. At that time, we did not have a copy of the Lien Waiver form completed by your contractor and notarized. The only Lien waiver that we have on file was completed by you and Mr. [redacted]., and this needs to be completed by the contractor.Without 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 $3,848.13 dateed March 17, 2016.As a means to expedite the process, a Letter of Satisfaction was sent to you by e-mail on april 6, 2016. Per the instructions in the e-mail, once the Letter of Satisfaction is received, we will disburse your final installment and send it expeditiously.If you have any questions, please call me at [redacted].Sincerely, [redacted]Research Department

Please see the attached.
June 4, 2015[redacted]
RE: Loan Number: [redacted]
Dear [redacted] and [redacted]
I  am in receipt of your complaint filed through the Revdex.com datedJune 1, 2015,...

regarding the handling of your change in insurance carriers.Let me begin by extending our most sincere apologies for any concern andinconvenience that this matter may have caused.
On June 2, 201.5, we placed a stop payment on check number [redacted] in the amount of$2,360.0 that was disbursed to Renaissance Alliance dated May 27, 2015, as thispolicy has peen cancelled by you. Tile funds were deposited back into your escrowaccount.
Additionally, on June 2, 2015, we disbursed $2,454.10 to [redacted], per yourrequest, and check number [redacted] was delivered overnight to ensure this policy didnot cancel.
Your account has been updated to reflect policy number [redacted] with [redacted] Insurancefor future disbursements.
While our Customer Service Department and our Escrow Department effectively
collaborate on our borrowers' insurance requests, we are sorry to hear that thiswas not the case in your change of carriers. We have reviewed the situation withthe appropriate members of management and the vain work diligently to ensure thatthis does not occur again in the future .
If you have any questions, please call me at ** [redacted] .
Sincerely
 
[redacted]
Research Department

My loan just funded last week. I had an excellent experience with AimLoan! This is the 3rd refi for me and this was by far the smoothest! Three ladies made everything flow...from start to finish: [redacted] and [redacted]. VERY PROFESSIONAL, VERY PERSONABLE, and willing to go the extra mile to get things closed before I would owe another month of interest to my previous lender. OUTSTANDING CUSTOMER SERVICE and VERY RESPONSIVE!! I highly recommend this company and will use them again if I ever need to purchase and/or refi again!!

September 30, 2014
[redacted]
RE: Revdex.com Complaint #[redacted]
Dear Ms. **:
This letter is in regards to a recent complaint you filed with the Revdex.com. I
have had a chance to review your complaint along with our internal notes and as...

you
requested, we have agreed to reimburse you for the cost of the second appraisal.
In reviewing our notes, our associates recommended an alternative loan program that we
thought you would qualify for but overlooked the fact that your home was a condo and
not a four unit property as you had indicated on your loan application. When researching
further, we found the Condominium complex to not have VA approval, thus we were
unable to move forward with a VA loan.
None the less, AimLoan.com agrees that we should have caught this prior to ordering
another appraisal.
Attached please find a copy of a credit card receipt which shows a credit to your credit
card for the cost of the second appraisal.
In the future we ask that you and others reading this response please contact us to further
discuss the issue prior to submitting a complaint with the Revdex.com as we
agree that this was an oversight on our part.
Please feel free to reach out to me at (619) 814-8210 should you have any further
questions or concerns surrounding this complaint.
Sincerely,
[redacted]
VP of Loan Production

Please see the attached.
Dear Ms. [redacted] :
I am in receipt of your complaint filed with the Revdex.com on October 8, 2015 regarding the handling of your insurance policy and payment. The situation involving your premium payment for your [redacted] Insurance condo policy...

has been reviewed and I trust you will find the answers you require below.All insurance related phone calls with our Customer Service Department on October 7, 2015 and October 8, 2015 have been reviewed. Aimloan.com does acknowledge that numerous phone calls were made by you, the borrower, and your insurance agency in order to update the insurance policy on file and have the premium paid out of your escrow account. The fax number and e-mail address for our Customer Service and Insurance Departments are shared between multiple representatives, and therefore it can take 24 – 48 hours for your policy declarations page to be received and processed. The contact information given to you and your agent was correct, but it would take time for your insurance information to be received, updated, and payment disbursed.
On October 9, 2015, your evidence of insurance was received and scanned to your loan file. A request was submitted to have your loan updated with this information and have the premium paid as a rush. On October 12, 2015, the insurance on your loan was updated to reflect a master condo policy with [redacted] and a contents policy with [redacted] Insurance. Your [redacted] policy number [redacted] effective September 24, 2015 to September 24, 2016 was paid in the amount of $646.00 from your escrow account. Your insurance is now ?p-to-date and paid current.
I apologize for the frustration you experienced while trying to update your insurance information on your mortgage loan. The circumstances of your loan have been reviewed by the appropriate parties and our processes and procedures are being monitored in order to prevent such occurrences in the future. I trust your experiences with AimLoan.com will be less stressful going forward. Should you have any further questions or concerns, please contact me directly at [redacted].
Sincerely,
[redacted]
Research Department

This is the third time refinancing with AimLoan.com with three different properties we own. [redacted] and [redacted] were excellent! They communicated well with us through the whole process. We were extremely happy with speedy services and lower interest rates they offered to us, and we will be saving so much money on our new home!

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.I used the aim loan web site each month and paid the requested amount every month.when someone called from aim loan and 1st they asked me for my social security then told me was late on my payment and demanded a payment over the phone I thought it was a scam, I logged onto the aim web site and could see that I was 2 payments ahead. the person on the phone told me that the web site is wrong and demanded a payment over the phone , I said no again .I need to know where can I file to hear this case in person in front of a judge, so I can show someone in person all of the payments and aim  web site screen shot Regards,
[redacted]

Our family recently built a new house and needed a mortgage company. After extensive research, reading reviews and working out the different rate scenarios with my loan consultant [redacted], we pulled the trigger and locked in an incredible 3.125% rate with just under a point. The process was smooth and issue free. Just have your docs in order and it's a breeze. I literally ran it to 2 weeks before closing, pulled the trigger and they made it happen right on the builders set closing date (2.23.2015). I couldn't be happier with everything and everyone. We've already referred friends over. I highly recommend AIM.

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.[I have no clue how to find an attachment with the details of this, or any response.  THERE IS NOTHING IN THE ATTACHMENT LINE OF ANY EMAIL I HAVE RECEIVED.  I don't know how to make this more clear.  I keep responding that I do not accept the business response because I CANNOT FIND AN ATTACHMENT with the details.  I will keep responding that I do not accept the business response until someone can assist me with this issue.  As of 4/11/16 I have not received the balance of the insurance money owed to me by Aim Loan and I am unable to find any attachment that might state their position on holding money that is intended to pay for my new roof.  Until I am able to see an attachment with their response, or until I receive the balance owed to me, I will continue to "reject" their response.  I am including TWO attachments with this note.  One is the Letter of Satisfaction that Aim Loan sent for me to fill out and have notarized.  You will see that this Letter is written in a confusing way which asks for the contractor to be 100% satisfied with the work done, then asks the borrower to sign and have notarized.  The second attachment is my response to the Letter of Satisfaction.]
Regards,
[redacted]

Please see the attached letter.
Dear [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 address.
A letter was sent to you on April 1, 2016, that contained copies of your 2015 Form 1098 and your 2015 Form 1099-INT. I have again enclosed copies of those documents for your reference. If 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 those.
Additionally, 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, 2016 and mailed on March 17, 2016 under separate cover. Our records indicate that as of April 8, 2016, this check has not yet been cashed. If 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 you.
Furthermore, your initial complaint references you having to verify your address on the phone. Please note that this was verification of your property address, not your mailing address. At 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 file. I 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. [redacted].
Sincerely,
[redacted]
Research Department.

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 account
We 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 property. As such, an estimate was made at closing that your taxes would be due in the amount of $2,725.38 per installment once the full value was determined by [redacted] County. per 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 assessed. Additionally, the documentation that you provided from the [redacted] County Assessor is an estimate and cannot be used in determining you actual tax values. We 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 2015 payment. While we have received an amount of $700.00, the total amount due is $1,184.56, and we do not accept partial payments. A letter was sent to you dated November 17, 2015, advising you of this. In order to bring your loan current, please remit the remaining $484.56 to satisfy your November 2015 payment.
If you have any questions, please call me at [redacted].
Sincerely,
[redacted]
Research Department

November 21,2014
[redacted]
RE: Revdex.com Complaint #[redacted]
Dear Mr. [redacted]:
This is to confirm receipt of a recent complaint you have filed with the Revdex.com. I have had
a chance to look into your complaint and...

see that you were refunded your appraisal
deposit the same day that you had requested this from us and the same day of this
complaint.
In regards to your comments surrounding the process of collecting a credit card for the
appraisal, it is AimLoan.com's policy to obtain and charge a credit card for the ordering
of the appraisal at the time of rate lock (or prior if the borrower wishes to have their
appraisal ordered). When a borrower is in contract to purchase a home with a closing in
less than 30 days, it is imperative that the appraisal be ordered and completed ASAP so
that the closing date is met.
In your situation had you not wanted the appraisal to be ordered and charged to your
credit card, then this should have been discussed with the Loan Consultant at which point
the Loan Consultant would not have asked for a credit card. In our opinion collecting a
credit card number for use at a later time is not good policy and can result in potential
fraud as this number must be stored in a database somewhere. Charging the card the
same day eliminates this risk as the card is immediately charged and there is then no
record ofthe credit card number.
None the less, the appraisal deposit has been credited back to you the same day the
request was made. There was no need to submit a complaint to the RevDex.com as this was addressed.
Feel free to reach out to me should you have any further questions or concerns
surrounding your loan application.
 
Sincerely,
[redacted]
VP of Loan Production

AIM loans
We just completed the closing process. I wanted to say thank you for the easy experience. It has been a real pleasure dealing with you and your colleges. Stephanie is terrific, responsive, concise on what she needs and excellent follow up.
I am not sure who should I send the comments and reviews about my experience with AIM Loans, but more people need to know how great this process is to busy people like me. Being able to submit docs when is convenient to me through the website, email communications, real time verification that the documents were sent and received. The fax cover letter to route to the right person. Very easy and fit my schedule perfectly.
You guys do great work and I will recommend you to anyone I know looking for great rates and service.
Best regards,
Lev Rejanovinsky

I am in receipt of your complaint filed through the Revdex.com dated March 25, 2016, regarding your mailing address.Our records indicate we received your written request to address on February 26, 2016. 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 2015 Form 1098 and your 2015 Form 1099-INT, as well as a reissued escrow refund check. I have enclosed copies of your year-end statements for your records. Your escrow refund check in the amount of $594 - 20 has been reissued to check number [redacted], dated March 16, 2016, and was mailed under separate cover on March 17,2016. If you have not yet received this check, please let me know.If you have any questions, please call me at ** [redacted] ext. [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.
I supplied all documents requested within a day or two from their request. It was a continual delay hearing back from them.  The issue they havewith the Business Tax Return was only brought up about 5 months into thisprocess.  If this issue is so important to the refinance why wasn't itbrought up several months ago.Aimloan claims they can't find business payments to my personal creditcard of which I use for business purposes as expenses on the business taxreturn.  My last email to Aimloan requested detail clarification of thisrequest.  Why it even matters baffles both me and our CPA that does thetaxes.  Proof was provided with 15 months worth of statements.A hypothetical thought of if the CPA failed to have these expenses of taxreturns ... the only thing it would hurt is the company having to pay MOREtaxes than it should.Why is it such a stumbling block for completing a refinance.I am a repeat customer of Aimloan.  In the last refinance a few years agothere was no issue like this when I at that time provided (I believe) only3 months of statements proving that the business pays personal creditcards that I used FOR the business.I have left a message with the VP at Aimloan explaining how I see this 6month refinance unfolded.  I await his response!
Regards,
[redacted]