Doorway Home Loans

International City Mortgage takes these complaints very seriously Ms [redacted] and her co-borrower, [redacted] , closed a loan with International City Mortgage (ICM) in March of Their first payment was due on May 1, Pursuant to the legal closing documents signed by both borrowers, they are required to pay their mortgage regardless of whether they receive any notifications from the servicer Payment coupons were included as part of their closing package Ms [redacted] provided the banking account information to Loan Care She did not forward a voided check but, in fact, was responsible for all numbers disclosed Loan Care and ICM, for that matter, have no way of verifying whether or not those numbers were correct when acknowledging receipt of the data The only way to know if the numbers obtained/input are correct is to process a payment Confirmation of receipt of a payment is reflective of the payment attempt However, just as with a non-negotiable check, receipt of the payment is reversed if the payment cannot be negotiated and is not received by the creditorAt the time of payment processing it was discovered that the numbers provided were erroneous and, therefore, processing could not be completed and notification was sent to the borrower The borrower(s) did contact ICM and Loan Care but this was more than days after the payment due date Please note that the borrower(s) did make their first two payments on time As the subsequent payments were not paid on time, delinquencies were reported as disclosed within the loan documents Should the borrower(s) provide bank statements demonstrating that, in fact, the payments were made within days of the due date, ICM will remove the reporting from the credit profile As for the bi-weekly payment option, this is an option set up by a third party post-closing A bi-weekly payment option is not the same as a twice monthly option The first ICM learned of the borrower's desire to set up this option was through their complaints regarding payment processing If borrower still desires, ICM can have the third party vendor send the paperwork to them to have this set up To summarize, ICM will remove all reported late payments if the borrower can provide bank statements demonstrating clearance of payments within days of the due date and will request that a third party vendor reach out to the borrower(s) to set up bi-weekly payments Please do not hesitate to reach out should any further information be desired

Dear Sir or Madam,In reference to the aforementioned complaint, International City Mortgage, IncDBA DoorWay Home Loans (Doorway) tenders the following response:Firstly, the Complainant, [redacted] is not a borrower/party to our transactionMrs [redacted] is a non-purchasing spouse and, therefore, any response to her is limited as she is not a party to our transactionUpon reviewing the transaction history and documentation provided by Mrs [redacted] , it appears that she has been the sole party attempting to make Contact regarding the transaction and making requests for refunds.Our Senior Vice President of Production first reached out to me on Friday, July 14, requesting to Schedule a meeting to discuss a borrower ComplaintI did not become aware until Tuesday, July 18, that the Complainant in question was Mrs [redacted] I reached out to her via e-mail that evening, and received a call from her the following morning.At that time, I did request that she forward me e-mail and document copies that she had pertaining to the transaction for reviewI also advised her that I would need some time to review the transaction.I did receive Communications from her checking in on the status of her claimOn the morning of August 2, 2017, I e-mailed her to let her know that an internal meeting was scheduled for the morning of Friday, August 4, to discuss her claims and our findings, and that I would contact her that afternoon.We have subsequently discovered that she filed a claim with your agency on August 1, 2017.Unfortunately, as Mrs [redacted] is not a party to the transaction, We are unable to provide any further information to her regarding this matter.HOME LOANSAs indicated to her previously, an internal meeting was held to discuss our findings pertaining to this loan transaction, and a proposed resolution was reachedHowever, We are only able to discuss this further with a party to the transaction, due to financialpriva Cy.Please do not hesitate to reach out should any further information be required.Sincerely,

On the condition that the company removes the delinquent notices off of my credit report, I can accept the company's response.Thank you for your swift response.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find
that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

International City Mortgage (ICM) takes these complaints very seriously. As soon as this complaint was received, ICM opened investigation into the status. Based upon the borrowers rural location, ICM's sub-servicer had difficulty securing an appraiser willing to travel to the location
Subsequently, the borrower did obtain an appraisal for the subject property. However, based upon the appraised value, ICM is unable to remove the Mortgage Insurance (MI) at this time as the Loan to Value (LTV) exceeds 75% which is the maximum LTV allowable for MI removal. A response was sent to the borrower via overnight service utilizing the address reflected in the formal complaint provided by the Revdex.com (Revdex.com) letting the borrower know that they did not qualify for MI removal. A copy of the appraisal was included in that response.*** ** ***EVP of Strategic InitiativesInternational City Mortgage, Inc

In reference to the aforementioned complaint, International City Mortgage (ICM) tenders the following response: In September, 2016, the borrower made a payment via phone and, inadvertently, transposed two numbers on her account. ICM’s sub-servicer, Loan Care, took her payment in good
faith and credited it to her account. When funds did not clear her account, she contacted Loan Care and was advised to wait a few days. Again she called and, after extensive research, it was determined that her bank had rejected the payment due to the account number error In October of 2016, a payment was made for both September and October. This made the September payment days past due Loan Care has since reviewed the case and contacted all bureaus to remove the late reporting. Borrower was notified of this decision on February 23, Please do not hesitate to reach out should any further information be required Sincerely, *** *** Chief Operating Officer

On the condition that the company removes the delinquent notices off of my credit report, I can accept the company's response.Thank you for your swift response.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find
that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that the resolution is satisfactory to me. However, the excuse given by International City Mortgage for their delay was that I live in a rural area and they had difficulty obtaining an appraiser. I live twenty five minutes north of the city of San Bernardino in the Lake Gregory Recreation Area. The appraiser told me that she came to my house from Big Bear, our neighboring mountain community. In my opinion, this was an excuse given by International City Mortgage to justify the delay in processing my requestI appreciate your help and believe that the quick response by International City Mortgage was the result of your intervention
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

May 19, - Credit Report obtained for *** ***.May 26, - Contract dated by attorney. No dates provided by either buyer or seller on signature lines. Co-borrower (*** ***) added after initial Purchase Contract. Unable to quantify when he was added to
transaction.May 29, - Credit Report obtained for *** ***.June 10, - Initial application completed by Loan Originator for *** *** and *** ***.June 15, - Initial Application and Intent to Proceed signed by *** ***.June 19, - Purchase Contract received by I City Mortgage. No dates provided by either buyer or seller on signature linesCo-borrower added after initial Purchase Contract. Multiple corrections applied to contract. Unable to quantify dates.June 22, - Intent to Proceed signed by *** ***.June 23, - Initial Application signed by *** ***.June 23, - Appraiser inspected property.June 25, - Appraisal returned to I City Mortgage by appraiser.July 1, - File submitted to Underwriting.July 6, - Initial Approval issued by I City Mortgage.July 10, - Conditions required by initial approval and obtained by the borrower submitted back to underwriting.July 13, - Underwriter updated condition sheet. Additional documentation regarding funds to close needed.July 13, - Lock extended with investor.July 13, - PreFunding QA completed.July 19, - Final items obtained. File forwarded to closing department for loan documents.July 20, - Loan documents sent to attorney for review and signature.July 22, - Sale recorded and funds released.International City Mortgage (ICM) takes loan closing very seriously. Based upon the review of this file by Executive Management it appears that an additional borrower was added later in the transaction. Due to regulatory requirements specific to borrower intentions, the ability to obtain the appraisal was delayed as the second borrower added to the transaction signed the "Intent to Proceed" on June 22nd, as well as all initial application forms and disclosure forms. From this point, the loan process timeline appears to be quite active with the loan closing exactly one month later. Based upon these signatures, the documentation in file directs to a 30-day timeline from completion of initial signatures by second borrower to closing

Dear Ms***,We have received your rebut to Complaint ID #***, filed with the Revdex.com of Arizona, which was a duplicate of the Revdex.com complaint filed in the San Diego district and CFPB Case (referenced above) filed by your co-borrower, Ms*** ***
This also appears to be a duplicate of a case filed by you with the CFPB against Loan Care, LLC (***)International City Mortgage, Inc(ICM) takes these complaints very seriously, and we sincerely hope to provide sufficient explanation to satisfy all of the points raised by you.First, we would like to thank you for the copy of the letter provided to you by LoanCare, LLC, dated November 16, As stated in the letter, Loan Care found that the bank account information that you provided was incorrect and caused the payment to be returned from your banking institution unpaid." It is further noted in this letter that your account history reflects several more payments that you either scheduled on the website, or made with an agent via telephone, which were also returned from your banking institution."This information supports the statements made in our letter to you, dated December 21, 2016.LoanCare, LLC has elected to waive the returned check fee assessed by your financial institution and a total of $in late fees on your mortgage account, as a Courtesy to youAn updateto your records with the credit bureaus has also been requested.To mitigate the negative history reflected on your credit profile, you may forward a copy of the letter provided directly to you by LoanCare LLC. Thank you,*** ** ***Executive Vice PresidentInternational City Mortgage, Inc

International City Mortgage (ICM) has been in contact with Mr. [redacted].  We take these situations very seriously and our Compliance Department has been engaged.  From the Corporate office of ICM we are unable to determine exactly where Mr. [redacted]' original documents are.  The person...

that originally accepted these documents from Mr. [redacted] is no longer in our employ and this individual never activated a loan with ICM on Mr. [redacted]' behalf.  The first time the corporate office was aware of Mr. [redacted] attempt to obtain a mortgage through ICM was the same day that he filed his complaint with the Revdex.com.  At this time, ICM is working with Mr. [redacted] to obtain copies of pertinent documents as well as setting him up on a stringent Fraud Alert system at company expense for his personal protection.

Dear Sir or Madam,In reference to the aforementioned complaint, International City Mortgage, Inc. DBA DoorWay Home Loans (Doorway) tenders the following response:Firstly, the Complainant, [redacted] is not a borrower/party to our transaction. Mrs. [redacted] is a non-purchasing spouse and,...

therefore, any response to her is limited as she is not a party to our transaction. Upon reviewing the transaction history and documentation provided by Mrs. [redacted], it appears that she has been the sole party attempting to make Contact regarding the transaction and making requests for refunds.Our Senior Vice President of Production first reached out to me on Friday, July 14, 2017 requesting to Schedule a meeting to discuss a borrower Complaint. I did not become aware until Tuesday, July 18, 2017 that the Complainant in question was Mrs. [redacted]. I reached out to her via e-mail that evening, and received a call from her the following morning.At that time, I did request that she forward me e-mail and document copies that she had pertaining to the transaction for review. I also advised her that I would need some time to review the transaction.I did receive Communications from her checking in on the status of her claim. On the morning of August 2, 2017, I e-mailed her to let her know that an internal meeting was scheduled for the morning of Friday, August 4, 2017 to discuss her claims and our findings, and that I would contact her that afternoon.We have subsequently discovered that she filed a claim with your agency on August 1, 2017.Unfortunately, as Mrs. [redacted] is not a party to the transaction, We are unable to provide any further information to her regarding this matter.HOME LOANSAs indicated to her previously, an internal meeting was held to discuss our findings pertaining to this loan transaction, and a proposed resolution was reached. However, We are only able to discuss this further with a party to the transaction, due to financialpriva Cy.Please do not hesitate to reach out should any further information be required.Sincerely,

International City Mortgage takes these complaints very seriously.   Ms. [redacted] and her co-borrower, [redacted], closed a loan with International City Mortgage (ICM) in March of 2016.  Their first payment was due on May 1, 2016.  Pursuant to the legal closing documents...

signed by both borrowers, they are required to pay their mortgage regardless of whether they receive any notifications from the servicer.  Payment coupons were included as part of their closing package.   Ms. [redacted] provided the banking account information to Loan Care.  She did not forward a voided check but, in fact, was responsible for all numbers disclosed.  Loan Care and ICM, for that matter, have no way of verifying whether or not those numbers were correct when acknowledging receipt of the data.  The only way to know if the numbers obtained/input are correct is to process a payment.  Confirmation of receipt of a payment is reflective of the payment attempt.  However, just as with a non-negotiable check, receipt of the payment is reversed if the payment cannot be negotiated and is not received by the creditor. At the time of payment processing it was discovered that the numbers provided were erroneous and, therefore, processing could not be completed and notification was sent to the borrower.    The borrower(s) did contact ICM and Loan Care but this was more than 30 days after the payment due date.  Please note that the borrower(s) did make their first two payments on time.  As the subsequent payments were not paid on time, delinquencies were reported as disclosed within the loan documents.  Should the borrower(s) provide bank statements demonstrating that, in fact, the payments were made within 30 days of the due date, ICM will remove the reporting from the credit profile.   As for the bi-weekly payment option, this is an option set up by a third party post-closing.  A bi-weekly payment option is not the same as a twice monthly option.  The first ICM learned of the borrower's desire to set up this option was through their complaints regarding payment processing.  If borrower still desires, ICM can have the third party vendor send the paperwork to them to have this set up.   To summarize, ICM will remove all reported late payments if the borrower can provide bank statements demonstrating clearance of payments within 30 days of the due date and will request that a third party vendor reach out to the borrower(s) to set up bi-weekly payments.   Please do not hesitate to reach out should any further information be desired.