Christmas Warehouse, The

In regards to Mr [redacted] ’s complaint, we anticipate that his loan will be closing within the next two weeks at the terms requested The process has taken longer than expected as we have had issue gathering the necessary information from third-parties who have been unwilling to respond timely to our requests We are moving forward and intend to close the loan ASAPThank you Yours Very Truly,Rich E***

First, the complaint is moot, premature, and should beremoved from our complaints against usAs once management was informed of [redacted] request, we immediatelyoffer her 3.875% fixed no cost loanThis offer is .125% better than other Company We have already sent her theapplication Just like every otherBorrower who comes to us, we will beat any legitimate Good Faith Estimate aslong as they adhere to our guarantee policyThough [redacted] didn’t qualify for our guaranteepolicy but we beat our competitor anywayAs for [redacted] she states in her complaint thatshe stated terms “that to me says ” and “I assume”, which are both opinions andnot fact of our Guarantee Policy Ourpolicy link is below The lender alsoprovided a WORSE priced loan than the terms [redacted] closed at The UNLOCKED Good Faith Estimate that [redacted] sent the company states that the credit should be $6, However, the closing lenders credit atclosing was $5, [redacted] thengoes on the state the Lender gave her a check for $1,after closing which isin violation of [redacted] and [redacted] policy Also, the statement provided by the borrowerreflects payment of fees outside of closing not reflected on the ***-1, thislikely is a violation of [redacted] that could open up the rescission period andsubject [redacted] Mortgage to fines and civil liability NationsChoice Mortgage does not and will notpractice such non-compliant loansSo, we are asking Revdex.com to remove this inaccuratecomplaint As we have abided by ourGuarantee policy which clearly states we have hours to reply, even though wedidn’t have to [redacted] presented usthe closed [redacted] on August 19th and we sent application at an .125% lower onAugust 21stThe company took no improper action, but in the spiritof customer service and despite the time lost responding to a complaint that ispre-mature, the company will continue to strive for 100% satisfaction Here is the link to the guarantee: [redacted]

I called and spoke to the Mrs [redacted] and, prior to the company receiving notice of this issue, Mrs [redacted] received the refund of her application fee and she is now satisfied with the outcome This appears to be a miscommunication of the processing time as it only took a week and a half to complete Mrs [redacted] 's request NationsChoice Mortgage prides itself on its customer service and is always willing to go the extra mile to satisfy our customers Unfortunately, sometimes information is intercommunicated or misunderstood and issues such as this occurs We recommend that any questions or concerns be directed to a company contact, to [email protected], or its Chief Compliance officer at 480-222-for timely resolution

While the company appears to be moving in the right direction, I will not considered my complaint resolved until I see the net result of my application

We strive to close customer mortgage loans quickly and to make the mortgage process as easy as possible The company has resolved this miscommunication issue with Mr*** Mr***'s issue has now been rectified We are moving forward with the loan as requested and
expect a timely loan closing at the terms Mr*** requested We thank Mr*** for his patience Our goal is 100% customer satisfaction, we take customer comments seriously, and we use those comments to make us a better company focusing on the customer and to avoid delays such as those that occurred processing this loan application

The borrower signed two legal form that clearly state that the Application Fee is Non-Refundable, if needed we can provide signed copiesWe do authorized our licensed loan officers to authorize a credit for those fees once the loan closes We can also provide you the Loan Estimate that
clearly states this The borrower choose, not us, to withdraw his application even though we could honor exactly what we quoted.However, Mr*** thought that amount could be refunded at any time Once management was aware of the situation, we resolved the situation to Mr***’s satisfaction immediately

First, the complaint is moot, premature, and should beremoved from our complaints against us. As once management was informed of [redacted] request, we immediatelyoffer her 3.875% 30 fixed no cost loan. This offer is .125% better than other Company.  We have already sent her...

theapplication.  Just like every otherBorrower who comes to us, we will beat any legitimate Good Faith Estimate aslong as they adhere to our guarantee policy. Though [redacted] didn’t qualify for our guaranteepolicy but we beat our competitor anyway. As for [redacted] she states in her complaint thatshe stated terms “that to me says…” and “I assume”, which are both opinions andnot fact of our Guarantee Policy.  Ourpolicy link is below.   The lender alsoprovided a WORSE priced loan than the terms [redacted] closed at.   The UNLOCKED Good Faith Estimate that [redacted] sent the company states that the credit should be $6,646.25.  However, the closing lenders credit atclosing was $5,062.50.   [redacted] thengoes on the state the Lender gave her a check for $1,502 after closing which isin violation of [redacted] and [redacted] policy.  Also, the statement provided by the borrowerreflects payment of fees outside of closing not reflected on the [redacted]-1, thislikely is a violation of [redacted] that could open up the rescission period andsubject [redacted] Mortgage to fines and civil liability.  NationsChoice Mortgage does not and will notpractice such non-compliant loans. So, we are asking Revdex.com to remove this inaccuratecomplaint.  As we have abided by ourGuarantee policy which clearly states we have 72 hours to reply, even though wedidn’t have to.  [redacted] presented usthe closed [redacted] on August 19th and we sent application at an .125% lower onAugust 21st. The company took no improper action, but in the spiritof customer service and despite the time lost responding to a complaint that ispre-mature, the company will continue to strive for 100% satisfaction.  Here is the link to the guarantee:[redacted]

In regards to Mr. [redacted]’s complaint, we anticipate that his loan will be closing within the next two weeks at the terms requested.  The process has taken longer than expected as we have had issue gathering the necessary information from third-parties who have been unwilling to respond timely to our requests.  We are moving forward and intend to close the loan ASAP. Thank you Yours Very Truly,Rich E[redacted]

I called and spoke to the Mrs. [redacted] and, prior to the company receiving notice of this issue, Mrs. [redacted] received the refund of her application fee and she is now satisfied with the outcome.  This appears to be a miscommunication of the processing time as it only took a week and a half to...

complete Mrs. [redacted]'s request.  NationsChoice Mortgage prides itself on its customer service and is always willing to go the extra mile to satisfy our customers.  Unfortunately, sometimes information is intercommunicated or misunderstood and issues such as this occurs.  We recommend that any questions or concerns be directed to a company contact, to [email protected], or its Chief Compliance officer at 480-222-1032 for timely resolution.