America's Home Place, Inc.

Revdex.com:
I have reviewed the offer and/or 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 issue at hand is the pressure put upon us from AHP to use their own finance person and making us uncomfortable to the point of having to walk away from the contract. I reviewed numerous reviews on AHP that indicates this is not the first time the company has done this, I wish that I had looked into the company further prior to reaching out to them. AHP encouraged us from the beginning to use their own finance person that they recommended and numerous times told us that they would save us money and could resolve this issue. Once we made it clear that we wanted an independent party to do the financing, that is when they refused to work with [redacted]
On June 9, 2016 Sarah emailed me the following:
In speaking with Kim and Sean today about closing costs, I had an idea. There are some lenders out there that do a one time close which would save you all in closing costs. I’ve attached the lenders that we work with to the email for your review. They both do two time closes like [redacted] but they may have some ability to work with you on closing costs.
[redacted]   
[redacted]
 
[redacted]
Please let me know if you have any questions at all or if I can help in any way!
We let Sarah know that we had no interest in using one of their preferred lenders, again.
On June 16, 2016, Sarah emailed me the following:
It doesn’t look like [redacted] mortgage will accept the pricing worksheet as it stands and America’s Home Place can not artificially inflate prices to hide closing costs within the pricing worksheet. I’ve spoken with [redacted] and sent over the pricing worksheet for his review. After an initial assessment, he would be able to potentially save you 4k in closing costs based on the pricing worksheet and cost of the land (70,000). I’ve copied him on this email as he will have to pre qualify you all with his company before we can move forward. If you are willing to talk to another lender, this is the best option I have been able to find.
Sarah took it upon herself to reach out to [redacted] who they recommend, with out permission from my husband or myself. This is after we made it clear we did not want to use any of their lenders.
Unfortunately, I no longer have the phone that I had when I was dealing with Sarah T[redacted] at AHP however I am sure they will have records of the numerous text messages sent to me asking if I have spoke to their finance person.
At this point, we no longer felt comfortable working with them and decided we were not willing to make such a large purchase from this company after AHP disregarding our concerns for using our own financing and pressuring us into using someone they "recommend."
We request a refund of the security deposit. I would also request that Sarah T[redacted] text message sent to my husband I be submitted and reviewed.
Regards,
[redacted]

Be careful. They build houses cheaply & they don't honor there work or there mess ups.

Americas Home Place placed our house form in the wrong location, (encroaching on setbacks) They had to tear it out and could not figure out how to place the new one properly.This took over 8 months and we were still without a slab!

The superintendent did not seem to have the capability to complete -or start- our house properly. We contacted Mitch, the regional manager, to return our deposit. He did not have a grasp on what had been happening with our project, or his employees, and forced us to take them to court to get it returned. We won our case and have since been returned our deposit + legal fees.

Terrible process, terrible execution, terrible customer service.DO NOT DO BUSINESS WITH AMERICAS HOME PLACE.

Eagle Towing LLC is under contract with Camelot East Apartments as part of a Private Property Impound agreement. [redacted] wrote a nonspecific complaint that did not identify the make and model of her vehicle.  We have no knowledge that the driver “broke-into” the Ms. [redacted]’s car;...

however even if it was necessary, this action is legal. Prior to towing from private property, we must insure the vehicle is in Neutral. The driver is legally permitted to enter a locked vehicle to place the car in neutral. If the car is not placed in Neutral prior to the towing operation there will be damage to the car. This is main reason it is legal for our driver to enter a locked vehicle. Based on these facts Ms. [redacted] is not entitled to a refund.

American Home Place1. Jenkin’s- “We were under contract to build a home and
came to an agreement, gave them a $1500.00 deposit and signed their contract”Please note that all three signed versions of the PWS and
Section 6.01 of the ratified Construction Agreement clearly annotate the deposit
to be...

non-refundable.2. Jenkin’s- “How they had a line in the financing page,
raised concerns with our loan officer and they advised it needed to be changed”* AHP agreed to contribute $9349.47 toward the [redacted]
closing costs. This “concession” was annotated on the last line of the first
PWS*Since AHP was going to have to “front” these funds for the [redacted]
to close on their construction loan, [redacted] ([redacted] lender) preferred that we
rewrite the PWS to isolate this contribution as “closing costs” instead of a “concession”.[redacted] underwriter rejected AHP’s revised PWS and
indicated that AHP cannot contribute towards closing costs. [redacted] now
requested that we rewrite the PWS to rename our contribution towards the
closing costs as “Construction Administration Fees”.*It was at this time that the [redacted] were apprised by their lender
that their loan required two closings and that they were required an additional
$6k in fees. AHP agreed to contribute an additional $1500, which is why the
figures changed from $9349.47 to $10849.35*Their lender then indicated that the only way this deal
would work would be to “absorb” our closing cost contributions into the hard
costs of the home or the Land Improvement Allowance Fees. After consulting with
a legal consultant and a Real Estate broker, we were advised that it is illegal
for us to artificially inflate the cost of the home merely to “bury”
transaction fees. We also rejected their idea of creating fraudulent invoices
to substantiate augmented site related expenses. We conveyed our positions to their
lender which is where we reached an impasse.3. [redacted] “AHP wouldn’t update the contract or work with her”* Inaccurate, reference prior response #1 (above) pertaining
to multiple iterations of our Pricing Work Sheet and signed Construction
Agreement.* Sarah T[redacted]AHP Building Consultant) modified the
agreement and reviewing it with their lender prior to resubmitting to their underwriter.
Under advice from [redacted] ([redacted]) we were instructed to “move
the money around a little” to placate their underwriter.* Multiple additional texts and emails between various AHP
employees, [redacted] and the [redacted] pertaining to this transaction can be provided
upon request.4. [redacted] “At that time they kept calling, texting, and
emailing us pressuring us to use “their” finance guy who began contacting us as
well”* inaccurate, AHP does not have a “finance guy”. We refer
our customer to multiple lenders that are familiar with our processes and who
will, historically, provide bettwe service at competitive rates to our clients.
Our customers are under no obligation to use who we refer.* The [redacted] conveyed a sentiment that they felt they had “gone
too far” with [redacted] and that they would potentially delay the process by
considering other lenders. We:* made them aware that [redacted] had not even initiated an
appraisal (30 days after they were given all of the loan documents) ergo, no
money had been spent.* made them aware that the other lenders have similar
programs with identical (if not better) fee structures and encouraged them to
submit an initial loan application with other lenders so that they could
compare products.* The [redacted] seemed anxious to move the process along yet
unwilling to consider another lender other that [redacted]. Sue to their reluctance
(and the face that we were unwilling to “doctor” the paperwork) their
perception was that AHP was “steering” the [redacted] away from [redacted] and towards
one of our preferred lenders5. [redacted]- “we began getting uncomfortable with the pressure
and we tried to have them work with our lenders but their refused”* To our knowledge, the [redacted] have not provided any evidence
to substantiate this claim. We were diligent to respond to every one of their concerns
and made every effort to work with their lender* we attempted to restructure our PWS to placate their
underwriting multiple times and even agree to contribute an additional $1500
towards their closing costs when their lender supposed everyone with an additional
$6000 fee to pay for a second closing 6. [redacted]- At this point we told them we weren’t comfortable
moving forward with them because of how they were trying to push them to their
lenderInaccurate- “At this point in our lives it doesn’t look like
it’s going to work out and we hope we can work with you all sometime in the
future”7. [redacted]- they refused to give us our deposit and amicably
go our separate waysPlease reference response #1 pertaining to the 4 separate
documents that clearly stated “non-refundable deposit”Based on the direct quote above, we conceded to honor to
$1500 deposit for a period of 90 days if they eventually build with AHPWe expressed to the [redacted] that our overhead burden to
perform a detailed site analysis, drafting fees, estimating, etc. already exceeded
the deposited amount (which is why it is non-refundable after the PWS is
signed)8. [redacted]- “We asked for the information to their
corporate office to talk to them about what was going on but they refused to
give us the information”Inaccurate, when requested this information was providedGiven the proven ability of the [redacted] to navigate social
media, we are confident that they also possess the abilty to retrieve what
relevant information that they require from our company’s website.9. [redacted]- The only response from them was that we had 30
days to stay under contract, again pressure to use who they wanted to finance
with”Inaccurate. Due to the potential of material/labor price increase,
AHP will honor the quoted price on the PWS for a period of 30 days. It is
within this 30 day period that we expect the client to sign the formal
Construction Agreement ( the “contract”)Once the contract is signed, we anticipate an additional 30-45
days for the client to secure financing, as most lenders cannot start their
loan process (appraisal, underwriting, etc.) until this document is ratified.Due to the irregularities in this transaction and their difficulty
in obtaining financing, AHP additional agreed to honor their initial $1500
deposit for an additional 90 days if they chose to build with us in the future.

If you could please add this to the comments of the response to the complaint. 11/6/15-AHP has contacted Mr. [redacted] and we are working together to find a time to correct any issues with his interior doors in the next few weeks.Thank You,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

From: [redacted] [redacted] Sent: Wednesday, July 23, 2014 11:24 AMTo: [email protected]: RE: You have a New Message from Revdex.com Serving Connecticut Regarding Complaint #[redacted]
 
Can you please update the complaint stated the product has shipped, [redacted]

Review: We were under contract to build a home and came to an agreement, gave them a $1500.00 deposit and signed their contract. How they had a line in the financing page, raised concerns with our loan officer and they advised it needed to be changed. AHP wouldn't update the contract or work with her. At that time they kept calling, texting and emailing us pressuring us to use "their" finance guy who began contacting us as well. We began getting uncomfortable with the pressure and we tried to have them work with our lender but they refused. At this point we told them we weren't comfortable moving forward with them because of how they were trying to push them to their lender. They refused to give us our deposit and amicably go our separate ways. We asked for the information to their corporate office to talk to them about what was going on but they refused to give us the information. The only response from them was that we had 30 days to stay under contract, again pressure to use who they wanted us to finance with.Desired Settlement: We would like a refund and to go our seperate way however we do feel that the company should be looked into for steering and pressuring people to use their preferred lenders.

Business

Response:

American Home Place1. Jenkin’s- “We were under contract to build a home and

came to an agreement, gave them a $1500.00 deposit and signed their contract”Please note that all three signed versions of the PWS and

Section 6.01 of the ratified Construction Agreement clearly annotate the deposit

to be non-refundable.2. Jenkin’s- “How they had a line in the financing page,

raised concerns with our loan officer and they advised it needed to be changed”* AHP agreed to contribute $9349.47 toward the [redacted]

closing costs. This “concession” was annotated on the last line of the first

PWS*Since AHP was going to have to “front” these funds for the [redacted]

to close on their construction loan, [redacted] ([redacted] lender) preferred that we

rewrite the PWS to isolate this contribution as “closing costs” instead of a “concession”.[redacted] underwriter rejected AHP’s revised PWS and

indicated that AHP cannot contribute towards closing costs. [redacted] now

requested that we rewrite the PWS to rename our contribution towards the

closing costs as “Construction Administration Fees”.*It was at this time that the [redacted] were apprised by their lender

that their loan required two closings and that they were required an additional

$6k in fees. AHP agreed to contribute an additional $1500, which is why the

figures changed from $9349.47 to $10849.35*Their lender then indicated that the only way this deal

would work would be to “absorb” our closing cost contributions into the hard

costs of the home or the Land Improvement Allowance Fees. After consulting with

a legal consultant and a Real Estate broker, we were advised that it is illegal

for us to artificially inflate the cost of the home merely to “bury”

transaction fees. We also rejected their idea of creating fraudulent invoices

to substantiate augmented site related expenses. We conveyed our positions to their

lender which is where we reached an impasse.3. [redacted] “AHP wouldn’t update the contract or work with her”* Inaccurate, reference prior response #1 (above) pertaining

to multiple iterations of our Pricing Work Sheet and signed Construction

Agreement.* Sarah T[redacted]AHP Building Consultant) modified the

agreement and reviewing it with their lender prior to resubmitting to their underwriter.

Under advice from [redacted] ([redacted]) we were instructed to “move

the money around a little” to placate their underwriter.* Multiple additional texts and emails between various AHP

employees, [redacted] and the [redacted] pertaining to this transaction can be provided

upon request.4. [redacted] “At that time they kept calling, texting, and

emailing us pressuring us to use “their” finance guy who began contacting us as

well”* inaccurate, AHP does not have a “finance guy”. We refer

our customer to multiple lenders that are familiar with our processes and who

will, historically, provide bettwe service at competitive rates to our clients.

Our customers are under no obligation to use who we refer.* The [redacted] conveyed a sentiment that they felt they had “gone

too far” with [redacted] and that they would potentially delay the process by

considering other lenders. We:* made them aware that [redacted] had not even initiated an

appraisal (30 days after they were given all of the loan documents) ergo, no

money had been spent.* made them aware that the other lenders have similar

programs with identical (if not better) fee structures and encouraged them to

submit an initial loan application with other lenders so that they could

compare products.* The [redacted] seemed anxious to move the process along yet

unwilling to consider another lender other that [redacted]. Sue to their reluctance

(and the face that we were unwilling to “doctor” the paperwork) their

perception was that AHP was “steering” the [redacted] away from [redacted] and towards

one of our preferred lenders5. [redacted]- “we began getting uncomfortable with the pressure

and we tried to have them work with our lenders but their refused”* To our knowledge, the [redacted] have not provided any evidence

to substantiate this claim. We were diligent to respond to every one of their concerns

and made every effort to work with their lender* we attempted to restructure our PWS to placate their

underwriting multiple times and even agree to contribute an additional $1500

towards their closing costs when their lender supposed everyone with an additional

$6000 fee to pay for a second closing 6. [redacted]- At this point we told them we weren’t comfortable

moving forward with them because of how they were trying to push them to their

lenderInaccurate- “At this point in our lives it doesn’t look like

it’s going to work out and we hope we can work with you all sometime in the

future”7. [redacted]- they refused to give us our deposit and amicably

go our separate waysPlease reference response #1 pertaining to the 4 separate

documents that clearly stated “non-refundable deposit”Based on the direct quote above, we conceded to honor to

$1500 deposit for a period of 90 days if they eventually build with AHPWe expressed to the [redacted] that our overhead burden to

perform a detailed site analysis, drafting fees, estimating, etc. already exceeded

the deposited amount (which is why it is non-refundable after the PWS is

signed)8. [redacted]- “We asked for the information to their

corporate office to talk to them about what was going on but they refused to

give us the information”Inaccurate, when requested this information was providedGiven the proven ability of the [redacted] to navigate social

media, we are confident that they also possess the abilty to retrieve what

relevant information that they require from our company’s website.9. [redacted]- The only response from them was that we had 30

days to stay under contract, again pressure to use who they wanted to finance

with”Inaccurate. Due to the potential of material/labor price increase,

AHP will honor the quoted price on the PWS for a period of 30 days. It is

within this 30 day period that we expect the client to sign the formal

Construction Agreement ( the “contract”)Once the contract is signed, we anticipate an additional 30-45

days for the client to secure financing, as most lenders cannot start their

loan process (appraisal, underwriting, etc.) until this document is ratified.Due to the irregularities in this transaction and their difficulty

in obtaining financing, AHP additional agreed to honor their initial $1500

deposit for an additional 90 days if they chose to build with us in the future.

Consumer

Response:

I have reviewed the offer and/or 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 issue at hand is the pressure put upon us from AHP to use their own finance person and making us uncomfortable to the point of having to walk away from the contract. I reviewed numerous reviews on AHP that indicates this is not the first time the company has done this, I wish that I had looked into the company further prior to reaching out to them. AHP encouraged us from the beginning to use their own finance person that they recommended and numerous times told us that they would save us money and could resolve this issue. Once we made it clear that we wanted an independent party to do the financing, that is when they refused to work with [redacted]On June 9, 2016 Sarah emailed me the following:In speaking with Kim and Sean today about closing costs, I had an idea. There are some lenders out there that do a one time close which would save you all in closing costs. I’ve attached the lenders that we work with to the email for your review. They both do two time closes like [redacted] but they may have some ability to work with you on closing costs. [redacted]

[redacted]

[redacted]Please let me know if you have any questions at all or if I can help in any way! We let Sarah know that we had no interest in using one of their preferred lenders, again.On June 16, 2016, Sarah emailed me the following:It doesn’t look like [redacted] mortgage will accept the pricing worksheet as it stands and America’s Home Place can not artificially inflate prices to hide closing costs within the pricing worksheet. I’ve spoken with [redacted] and sent over the pricing worksheet for his review. After an initial assessment, he would be able to potentially save you 4k in closing costs based on the pricing worksheet and cost of the land (70,000). I’ve copied him on this email as he will have to pre qualify you all with his company before we can move forward. If you are willing to talk to another lender, this is the best option I have been able to find. Sarah took it upon herself to reach out to [redacted] who they recommend, with out permission from my husband or myself. This is after we made it clear we did not want to use any of their lenders.Unfortunately, I no longer have the phone that I had when I was dealing with Sarah T[redacted] at AHP however I am sure they will have records of the numerous text messages sent to me asking if I have spoke to their finance person.At this point, we no longer felt comfortable working with them and decided we were not willing to make such a large purchase from this company after AHP disregarding our concerns for using our own financing and pressuring us into using someone they "recommend."We request a refund of the security deposit. I would also request that Sarah T[redacted] text message sent to my husband I be submitted and reviewed.

Regards,