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D'Masti Caterers Reviews (2)

American Pacific Mortgage (APM) is in receipt of the consumer complaint ID #[redacted]. We have completed a full investigation of the circumstances and completed a second underwriting review. Our investigation revealed there were two purchase transactions for the consumer which were submitted at the...

same time. One was an investment property and one was the subject property referenced in the complaint. There are many complexities involved in qualifying for two loans simultaneously. Our review showed that the challenges we had to overcome in order for the consumer to qualify for both loans involved the type of income, hazard insurance and the second property income. We could not utilize rental income from the second property because at the time of the loan for the subject property, the second property was not owned by consumer and the loan was still in process. To ensure the consumer qualified for both, we had to lower the loan amount for the subject property which increased the down payment. We acknowledge the terms changed as we continued to work with the consumer through each circumstance that arose that jeopardized their ability to qualify for the subject property loan. Our Loan Originator spoke with the consumer and explained the lower loan amount and higher down payment and documented agreement to move forward with the loan. Our system was updated and documents were available at Title for review and signature. It was our understanding that the consumer picked up the documents from Title and reviewed them with an Attorney. They were signed and both loans funded. We believe we did everything possible to assist the consumer in purchasing these two properties. The consumer originally requested that all communication happen via email. We’ve presented an initial response to him via email with the results of our investigation. We’ve requested a phone conference to discuss his desired resolution and gather some additional details. We are currently in the process of working with the consumer towards a mutually agreeable resolution.

I am rejecting this response because:Very simple - American Pacific changed the terms of the loan just before end of escrow, but never offered me any paperwork about the change.  I got the new terms on paper from the title company the night before close of escrow.  Much to late to find a new lender.  I asked they honor the original loan rate for the extra cash they extorted from me and they refused.

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Address: 150 Willbrook Blvd, Pawleys Island, South Carolina, United States, 29585-7694

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