Chase Home Finance

Review: Chase took over our home loan from another mortgage company. It has been a huge mess since that time. Our taxes and insurance have went down but our payment has continued to go up. When we called to find out why we were told that they( chase ) had payed my previous insurance company as well as my current company in error. We were assured it would be fixed but they seem to be covering their tracks very well. When we called back we were told they payed our current company 3 times in one year. I called back again to see what the new story would be and they said they had no record of us ever being with Ga farm bureau and it showed we did not have insurance for the first year we bought the house. The girl finally said that so many people had looked at our account their was no telling what has happened. All notes about them paying farm bureau had been erased. She said there was nothing about farm bureau in our account. Chases is covering up the fact that they paid farm bureau and usaa at the same time. Every time we call we get a different story. I have asked for supervisors to call me and I have been refused. I have talked with customer service and low level supervisors.Desired Settlement: I do not want a customer service rep, low level supervisor to contact me anymore. I want someone at the corporate level that can fix this. I want the money refunded back to my escrow and for my payment to be what it should be and not 300 dollars more a month.

Review: Requesting interest rate of close to 8% to be lowered due to change in market. Not able to modify loan(denied) since no financial hardship. I feel not willing to lower since do not qualify for government programs or assistance. Not asking for additional funds but requesting rate of today's market. We have all suffered from this economy...Desired Settlement: Mortgage terms changed to state new lower Interest rate of 4 per cent or less. Reduction in value of loan to match market value with lower rate. New mortgage terms with no additional cost to us would allow payment of debit before retirement and give us the tools to pay debt and not walk away like so many other. Stop punishing us for paying our bills!

Review: I am a Chase customer for my home mortgage. I pay escrow every month with my payment to pay for my property taxes and my home owners insurance. My home owners insurance was due in Decemeber and I have been dealing with the fact that Chase has failed to pay the payment out of my escrow account. I have spoken to Chase several times and have given permission for my insurance company to speak with Chase about the issue. This has not resolved anything. At this point my home owners insurance has been cancelled due to non payment and I am looking into making the payment on a credit card to cover myself due to the extreme winter weather. I am very frustrated about the attitude I have gotten from Chase, and the empty promises that they keep making when I call and fail to fulfill. I do not understand why they are not paying my bills when my escrow account has more than enough to cover the payment. I am now worried that the same issue will present with my property taxes.Desired Settlement: I want the payment paid and I would like to see some sort of settlement to make up for all the anixety and stress caused by wondering if my house would be covered if something bad were to happen.

Review: Chase, formerly [redacted]l, has reported inaccurate data to the major credit agencies. The loan in question is # [redacted]. This is a short sale and the payoff date was 12/10/2008. I have faxed documents to Chase showing this date and they have not called me back. I need a letter showing their mistake. This could cost me thousands of dollars. I am currently attempting to refinance my home. Their mistake has adversely affected my ability to get a loan.Desired Settlement: I need a letter and this corrected ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!

Review: My husband and I have had severe medical hardships; we have been trying to sale our home for over a year. WF has been unreasonable with the price. The realtor has worked extremely hard to obtain the highest price for WF. Most recently WF countered back at a price of $301,526 (which they stated was the BPO). The buyer reluctantly agreed to a price higher than the value to appease WF, we signed a counter offer and accepted. WF then came back and demanded $324,421. This is not fair and we would like to finally close this at the agreed upon counter at $301,526.Desired Settlement: My husband and I have had severe medical hardships; we have been trying to sale our home for over a year. WF has been unreasonable with the price. The realtor has worked extremely hard to obtain the highest price for WF. Most recently WF countered back at a price of $301,526 (which they stated was the BPO). The buyer reluctantly agreed to a price higher than the value to appease WF, we signed a counter offer and accepted. WF then came back and demanded $324,421. This is not fair and we would like to finally close this at the agreed upon counter at $301,526.

Review: Following an approved short sale in 2012, Chase continues to report a deliquency and balance on the account, and have miscoded to the credit reports.

In August of 2012 a short sale of our home at [redacted] was approved by Chase (loan # [redacted]). We supsequently moved out of state. Since the short sale, Chase has misreported the short sale. They claim that we have a $177,000 deliquency and balance, despite our documents showing the short sale approval and the wire receipt of funds sent to them. We have contacted Chase on multiple occations, and have petitioned the credit reporting agencies to correct the incorrect data, but both parties refuse to change the information.Desired Settlement: We would like Chase to correctly report our short sale from 8/2012. We request it be categorized as "Account paid in full for less than full balance" and under status "paid in settlement".

Review: I filed bankruptcy in 2011 on my property located at [redacted] and it was discharged in 2011. I have not received any correspondence from Chase since. I contacted chase to see what the status was. I was told that chase will not be foreclosing and the loan has been charged off and they have no further interest in the property and it is my responsibility now.Desired Settlement: I would like for chase to allow a deed in lieu, foreclose, or remove their lien from the deed if they have no further interest and allow it to be sold for back taxes so my name can be removed.

Review: In last 5 years my mortgage company had been Chase Bank in [redacted] on the North side. Recently Chase Bank sold my account to [redacted] In January 3, 2014 I made a payment to Chase Bank they accepted my payment and they did not inform me that my account was close. I did get a receipt. I did not receive any documents from [redacted] until the weekend informing me to make a payment. I called [redacted] telling them I had paid Chase Bank, they said, " don't worry all transaction and document will be sent to us". I called Chase they asked me to bring proof. They said, when you made the payment your account was closed. I said, if my account was close why did your Bank accept my payment and how did they process the payment. A month later, I started receive calls that I have not made a payment for the month of January. I have been harassed by [redacted] wanting the payment. Every month I have called [redacted] concerned about my account 1,2, and 3 times a week they said, that it was my fault and I should contact Chase. Chase tells me that the check has been sent. Till this day [redacted] has not received a payment I have been given the run around by Chase. Now I am constantly having to dispute with Chase and [redacted] over my account. Chase said, were sorry but we can not give you the money and will send another check. What has happened to the second check it is lost. I again, do not have another payment in my account. I insisted to Chase Bank to please give me the money so I can make my payment, they said, " No". They would send a wire transfer. I called [redacted] there is no transaction in my account! We are now in June 13, and I have NO payment in my account. Chase has not solved my dilemma. [redacted] is sending me letters with late payment fees, and interest rates higher due to Chase Bank not wanting to give me my money to make a payment. I am responsible for this payment this is my house. I am afraid that [redacted] has sent my account to the credit report.Desired Settlement: I would like my money back so I can make my payment I had been consistent with Chase Bank and I wanted the same with [redacted].

Review: Wrongful justifications; misleading representation for home modifications program under the making home affordable program

twice I have gone through the modification program, once on my own in 2012, and with legal representation in 2013.

In 2012 chase talked me into the modifcation as they noticed I ran at least 30 days behind in making payments. They promised that my APR would come down from 10.75. As the market was now under 6% for APR rates. This would lower my preminun payments. All taxes and insurance would be added, as I had an outstanding taxe bill for the previous yr. around 3,000 at the time. I was told by [redacted] ( the counseling specialist working with me) that this would all put me in a better place to pay on time, and not worry about my taxes, and that I could come out paying the same mortagage payment of 700.00.

As it turned out against my wishes they told me to pay a little over $1,200.00 ea. mo. for three mos. trail. I protested and nothing had been done according to what was stated above. I was told to pay it and they would come back with the final deal, and my payment would be lowered along with APR which remainded at 10.75. After the 3 mo.trail they came back and said this would be my monthly payment still with an 10.75 APR. All they did was ad the taxes and insurance, paid them and added this over the course of the yr. I did not go witht he deal and the specilist apologized as he really did not know how this was done. I refused the offer.

They came back and said that I can pay my own home owners insurance once again, but that my new mortagae payment would be still $1,200 ( give or take a few dollars) as they had added the rearage for the advance in paying my taxes. now I have from 714.00 mortgage payment to now 1,300 or so odd dollars as I now am paying monthly again my insurance, together totaling 1,300.00

Very stressed, and not knowing where to turn. some months later; last year in the spring (march) I was listening to the [redacted] show when he announces "often/daily" HMP programs..and how you need to have attorneys fighting for you the best deal, and participants shared highlighted stories about how their interest was lowered, home loans decreased tremedously, mortagage payments cut in half, principle balances lowered to market values as many had gotten loan forgiveness.[redacted] radio show advertised to call them and let the legal system fight for you.

I did and was given an appointment date to bring papers to this law office where I was told by Para-legal that I qualified for a modification and that NO ONE should have a 10.75 interest. I explained that I had just attempted to get the modification, that they never lowered the loan or APR.

I paid $5.000.00 dollars for them to represent me in a second modification with chase, feeling confident that they would work in my behalf. I was told chase would do a market apprasial which would lower my principle as my house is not worth what I owe, lower my APR to under 6%, and include taxes and insurance. They said that the worse cse was that I might be at paying a little more than the 700.00 in mortgage as I was prior to all of this to maybe 800.00 in mortgage, and how did this sound to me?

I felt great and it sounded good.

What chase has done is added over 23,000. 00 in fees and assessed interest. My APR went from 10.75 to 8.75, and my house was appraised at 48.000.00 but, my home has went from a principle balance owed of $69,000 when I began this in 3/2013 to now oweing $93,000. All my 12 year worth of equity is gone. I purchased my home in 2002 at 85,0000.

My attorney's have not worked in my best interest as I have never spoken to the actual attorney regardless of my request and they simply want me to pay the 1,035 in new mortagae without justification of all extra fees, no consideration for appraisal value. All that was told me by this law firm was misleading, and dishonest as no one informed me at any point over the course of theseDesired Settlement: I am seeking resolution in a fair and proper Home modification assessment agreement according to what was expressed to me both times in terms of what would tae place for me to look forward to with my modification.all is outlined above.

I want my equity (12 years)back and my old principle as I did not seek refinancing to take money out. I want my annual percentage rate to be lowered according to going market rates, under the 6%, and to use the apprasial as it was intended to be utilized,as th

Review: CLAIM DATED: September 29, 2014

On October 1, 2013 I filed with Chase a request to assist to lower my current mortgage payment. after months of not hearing from Chase I called on March 14, 2014 to ask for a status report. I was then told the file was with underwriting, on April 15, 2014 I again called Chase to enquire as to another status report, I was told there were some questions and additional documents were needed by underwriting, to which I submitted on April 16, 2014.

Every month I would call in for a status report, nothing. Shortly after my initial calls, Chase began its barrage of letters in the mail of countless documents and financials they needed to assess my file properly. Everytime I got such a letter I immediately re-faxed and re-mailed all the necessary documents, even though those documents were submitted on October 1, 2013. I left several messages for the account representative [redacted] to call me and give me a status report, nothing, no call from him. On June 11, 2014 I finally spoke to [redacted] who again collected all of my information and sent it to underwriting. I was then again told that a decision would be made in 3-4 weeks. I again called every month, nothing. Each time I called yet again another document was missing. I again re-submitted all the paperwork.

After a full year of re-submitting and re-faxing and calling in every 3-4 weeks, I received a letter dated September 18, 2014 declining assistance implying since I am able to make all payments to Chase on time, there is nothing they can do for me to reduce the monthly payments; if I was to fall behind then Chase can assist me in lowering the monthly payments and getting out of my home within 30 days.

Such a statement and process and tactic by Chase is highly un-ethical, unprofessional and insensitive to me as a current home owner. I request this agency to look into this case and process by Chase.Desired Settlement: Such a statement and process and tactic by Chase is highly un-ethical, unprofessional and insensitive to me as a current home owner. I request this agency to look into this case and process by Chase.

Review: This correspondence is being sent in an effort to gain assistance for what has been 10 MONTHS with my mortgage holder. In January 2014, I began submitting documents as requested to be placed into a repayment program. During this period of time, my file has bene placed with 7 different representatives, for reasons that to date have not been specified to me. I have submitted duplicate documents in January, February, March, May June, August and September of this year to no avail, and STILL with no resolution. Within the past 2 weeks, I have been told on 3 separate occasions, that my file is in the Underwriting department for review. In MY reaching out to CHASE on today’s date, I was told that there were additional documents that were requested as of October 1ST. These documents are already in the file as I have sent the same. The Cust Svc Rep that I spoke with today, indicted that, “….it would be easier for us if you just sent them in AGAIN, since there are so many pages here.” I would imagine so, given that I have faxed in an estimated 400 pages to Chase during this process. I was then transferred to [redacted], who is allegedly a “Customer Escalations” Rep, who stated that she would “….read – the file and call me back.” THAT was at 1:15 p.m., CST. Given that I have not received a returned call yet, I can only presume that she is still reading.

The ONLY definitive information I have received back from Chase this year is the refusal of funds as that I have tried to submit as an act of Good faith during this process, and a letter indicating a Foreclosure sale date of December 2, 2014.

Please assist as my process in September 2013 with the same documents took 10 DAYS, and in 2014 has taken 10 MONTHS.Desired Settlement: Compeltion of the file for Underwriting to approve the same.

Review: -Approved for a home loan on 9/10/2014.

-Proceeded with home inspection(s) - 4 total after loan approval

-All forms submitted to Chase in the next 2 weeks proceeding 9/10 for an agreed closing date of 10/6

-Week of 9/29 (one week prior to closing), multiple emails sent to chase from buyer (lending customer), agents (both buyer's and seller's, and escrow company to confirm a closing date of 10/6

-No response from Chase other than it is in process

-After multiple emails and phone calls to Chase on 10/6 (day of closing), the loan processor finally called buyer (lending customer) around 2 PM PST that their underwriting missed a step and that they can't issue final loan docs

-Buyer escalated to multiple managers within Chase and got a call back from one of the managers on 10/7 saying that they are working to expedite a resolution - that the underwriting team messed up - but a resolution can be expected within 24 to 48 hours

-It is now 10/22 (16 days after the issue started) and still no resolution from Chase

-Their communications are sporadic at best - they don't return phone calls and emails in a timely manner (it takes them 2 business days to respond)Desired Settlement: Refund the money they took from my Chase Checking account as loan processing fee

Reimburse for the per diem charge (incurred from Escrow) because closing date of 10/6 was not met (with no heads up from Chase whatsoever until deadline for closing has passed 2 PM PST on 10/6)

Review: I am in complete dismay as to what has transpired concerning my escrow/tax/mortgage account since my inquiry of a registered letter sent to my address concerning delinquent taxes and the soon tax sale of the parcel in the beginning of June. I brought the matter to Chase because I knew Chase was supposed to be paying the taxes on my unit/address. And the letter stated that this is whom I should contact.On June 25, I received a letter from Chase stating that they had paid the delinquent taxes for this parcel that did not belong to me or my unit. I called Chase immediately and went to the [redacted] County Treasures office to verify that in fact the parcel did not belong to me and did not concern my condo unit. They also told me that the account (not mine) was actually overpaid and not delinquent.On August 28, I received another letter stating that the matter has been rectified and that all the funds taken from my escrow account have been refunded, canceled, voided or not cashed. (I have attached a copy of this letter).On September 2, I received a notice that my escrow account had a $546.27 shortage. I overlooked this notice thinking that the transactions I was told of on 8/28/14 had not yet been processed.I have since been paying on this shortage and my mortgage payments have been adjusted.It is now December 7th and there is still the amount of $808.60 that has not been refunded, canceled or voided. As I was told on August 28th.On 11/21, I called and spoke to the escrow and tax departments and a Supervisor. I was told that there was nothing that could be done until Chase recovered the monies from [redacted] County. WHAT - YOU MUST BE KIDDINGPLEASE, explain how it is okay for Chase to steal money from my escrow account to pay some other person's taxes?Desired Settlement: Chase made a mistake, stole my money that should be used for my taxes. Chase should return my money NOW, and return the money that I have paid towards the shortage which is over $200.00. I could most certainly use that money to my bills/expenses or Christmas.Chase needs to return $808.60 back to my escrow account. And refund to me all monies paid towards the shortage they created.

Review: no response for over 2 weeks after requesting an update regarding appraisal. Current comps were given to reevaluate, since appraisal was over $20,000 less than 6 mo ago and recent sales values are higher. thank you

Chase contacts are:

[redacted]| Lending Manager| NMLS ID [redacted] | Mortgage Banking | Chase | Office: [redacted] Senior Lending Manager[redacted]@chase.com | Office: [redacted] | Mortgage Banker | NMLS ID [redacted] | Mortgage Banking | Chase | Office: [redacted] thank youDesired Settlement: please refund $455 fee for appraisal

Review: We have lived in our home 25 years. We have had a record of our mortgage payments. Chase tried to default our mortgage into foreclosure. Wealmost lost everything. They kept telling us they were going to "remodofy" our loan but kept telling us to pay all these late fees. We kept paying and kept paying. We were both without work for a long while and went without Ins. We tried to catch up but Chase would not return our calls. We are paying 11 1/2 % interest to this date. My credit report numbers have raised very well except this negative late fees with chase. We do not think we were even in foreclosure or wanted the home back. I've tried to call them with no success. We have been on time with our payments "not one day late" for over 4 years +. Because of their terrible business practices and there negative remark on my credit report I cannot even get a good interest rate. And I'm sure their enjoying this. My own chase banker does not understand It but he cannot borrow me money. Please help us please. Thank you [redacted]Desired Settlement: Please remove late days off my credit report so my family and I can live decent lives.

Review: I received your letter on the date shown above rejecting my “request for a loan modification”. I want to try and clarify the request that has been ignored consistently by Chase. Here is the letter I sent that led to an assumption that I wanted a loan modification based upon hardship: I have a mortgage with Chase with a balance due of $41,777 on a residence that is worth over $300 K. I have an excellent credit rating. The interest I’m paying is 6.125% --which is about twice of the current market rate for a mortgage. I have a couple of options: 1) pay-off the amount due (which I can do); or refinance the mortgage. I don’t want to pay it off at this point, nor to I wish to pay the costs associated with refinancing. Can Chase give me a lower—market-based rate of interest on the balance of my loan balance? I hope you can do so and retain me as a client—I’m a good source of dependable income for Chase. So, I was not asking for a loan modification based upon hardship. I have an excellent credit rating, have paid all my mortgage payments on time, and I’m very capable of continuing those payments. I tried to clarify my position based upon four letters I sent and even copied your CEO. I received no response other than continuing requests that I send the documents required for a hardship modification. I called the “Specialists” listed in your letters, but was unable to talk with them. All the correspondence I received indicated you were debt collectors and that I should contact my attorney. No one, including your CEO, ever bothered to listen to my request to receive a lower interest rate because your rates were roughly double the market rate and I felt I was a good customer you wanted to retain thru a lower interest rate. Your responses have treated me as if I am impoverished and concerned about a foreclosure—this is far from the truth. I did call your call center and after being transferred to several departments, I was told the load could be refinanced for an “above the market” interest rate with very high closing costs. The message I received is that you don’t want me as a continuing client. From your letter, I gathered that you had shared information with credit agencies that my “request for a loan modification” had been rejected. If this reflects a decline in my credit rating due to your incompetence, I will take legal action. I am extremely dissatisfied with Chase. I’m also a shareholder, but plan to sell all my shares with the thought that your extreme lack of customer focus will eventually lead to a big decline in share value. I am in the process of executing a loan to pay off my mortgage with Chase. And I will do all I can to direct other consumers away from doing business with Chase.Desired Settlement: Admit their incoptence in responding to my letter and assure my credit rating will not be adversely affected.

Review: I applied for a mortgage to combine my 1st mortgage and 2nd mortgage together. I received a mortgage conditional approval June 7 for a 15 year fixed mortgage for $168,314.00. I sent in all the information requested. July 12 Chase Home Finance at 343 Thornall Street, 8th floor Edison, NJ 08837 made an inquiry on my credit report and then on 11 July JP Morgan Chase, 194 Wood Ave S 8th floor Iselin NJ 08830 made another inquiry on my credit report. Even though you are not in Columbus OH, another inquiry was made on my report from the office in Columbus OH on July 11. I thought after they looked at my report in June that they would not keep looking up my credit reports. This set an alarm which the credit bureau sent me in my email saying that too many inquiries could mess with my scores. I in the meantime put a freeze on my credit. I am not sure what they are doing. I already have both loans with them anyway so I am not sure what the problem is. I have made my payments on time and the payments would stay the same. I had to send some information twice. Why so many inquiries? Something does not feel right. I am really concerned that the person I keep in contact with does not know what is going on and my personal information is in Ohio and New Jersey. The number I call is [redacted]Desired Settlement: Stop checking my credit scores at 7 and 8 something in the morning. Are you trying to find a reason for not giving me the loan? I have proven I can make the payments so what is going on? Is this the normal practice you put people through? I have been working for 35 years with the government and I don't think that I should be treated like this. I was born and raised in Washington DC and my first loan is almost paid for so why is this one a problem? I am also making more working at the post office. I just want to be treated fairly. I trusted you with my identity. What happened?

Review: It seems that I can never obtain a home loan modification from [redacted] I am an active duty service member. I have submitted numerous home loan modification packets and I have proof of all my fax confirmations showing when I have submitted the home loan modifications. I am not receiving any responses from Chase Bank regarding the status of my home loan modification. In addition I have this negative entry on my credit report stating an unpaid mortgage from the primary owner of the home. In 2011 I was awarded the property in a divorce and I have submitted this information with my home loan modification packet. Chase Bank will not respond to my requests but only months later tell me that a quick claim deed is required when the application states they only need a copy of the divorce decree or quick claim deed. I have provided all my documentation and I still have not received any responses. When I called back Chase the person that looks over my loan modification was very rude and I requested that another individual is assigned to my home loan modification. I filed a complaint with [redacted] and I have yet to receive a response back from the Corporate office. I believe their Home Loan Modification dept. doesn't respond to complaints in a timely manner therefore since I have not received an response I will be contacting [redacted], Revdex.com, [redacted] and the [redacted]Desired Settlement: I have noticed a negative credit entry from Chase on my credit report and Chase Bank will need to resolve the matter by removing the entry off my credit report. In order for them to do that I am requesting loan forgiveness, an approved loan modification or a civil court hearing if the negative credit entry is not removed from my credit reports. I would like know the status of my loan modification because I cant afford to pay a mortgage in Colorado and pay rent in NY. I would like to request loan forgiveness; removal of all negative entries from Chase Bank. I have been awarded the property though a divorce decree and I am unable to obtain a quick claim deed so therefore since I am a service member Chase Bank are not authorized to foreclose the home so they will need to approve the loan modification or provide me loan forgiveness. The negative credit entries from Chase are not allowing me to obtain financing to help take care of the home in Colorado so Chase will need to remove the credit entries from all 3 of my credit reports. Another resolution is to elevate my complaint to the [redacted] Office of the I[redacted] and the [redacted]. I will not talk to Chase Bank, I will contact them and let them know that I will be *iling a complaint with the *ollowing agencies. Legal action will be pursued against Chase Bank.

Review: I obtained a mortgage loan with Chase and they had not disclosed the 1% mortgage cash back offer since it was never offered to me. I discovered this offer on their website: https://www.chase.com/mortgage/mortgage-advantage/mortgage-cash-back and when I asked to get enrolled with the offer, I was declined since I did not meet the time-frame to enroll. However, I was never given the opportunity to enroll since the offer wasn't given to me and I happened to stumble across this myself. I found this to be misleading and poor customer service not to provide this option in the first place.I have a business and personal checking account including a business credit card and now a mortgage through Chase, so I would like to be given the opportunity to have this 1% mortgage cash back option for a loyal customer.Desired Settlement: Allow me to enroll in the mortgage cash back opportunity.

Review: My husband died a year ago, Sept. 28, 2012. At the time we were paying Chase for our home loan. After his death I continued to make payments, but when I called to ask them about a benefit that my husband said he had with a company that they originally bought out (America Equity then JP Morgan), that was to pay off our home in full at his passing. Chase told me that they could not talk to me about anything since my name wasn't on any documents. Which I know I signed back in 2007. They said they needed to see a death certificate, marriage license, copy of will. So I went to my lawyer and got all that information and sent it to them, with all the papers notarized and sent it certified. They received it because I got the card back in the mail to show they had. Since then I have tried to contact them about paying off the house, because they will not tell me weather my husband had what he said he did. I of course believed my husband that we had signed these papers and I knew for a fact that my signature was on the orginal documents. Since last Oct. I have continued to make the payments to Chase and they have accepted every check , still using my husbands name thou I told them what mine is and they have my social security number also. They refuse to talk to me or my financial advisor about a final payment which should be coming up in the next 2 months. They also claim that they have no proof of the document that we signed with American Equity in the beginning. I would like to know what I owe so I can pay this mortgage off and be done with them totally. I'm tired of them and what they have done to me. I feel like they have taken about $ 54,000.00 that didn't belong to them, and since they still won't talk to me but accept my checks every month for a house payment. In the 6 yrs. that my husband and I dealt with them my name was signed to the check. If at all possible I would like to be able to just pay them off with out a hassle of any kind.Desired Settlement: Just to find out how much my final payment would be and if there is any refund on the amount that I have already paid them. And to find out what happened to the orginal paper work that my deceased husband said was there. This would have paid off the house I year ago, and saved me $53,000.00. Thank Yoou