First Savings Mortgage Corporation

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I am sorry to hear that *** *** was unhappy with the service that Michael M*** provided A Good Faith Estimate dated 9/3/was provided to **and *** *** prior to the appraisal being ordered on 10/8/outlining the charge for the appraisal fee All appraisal fees collected are paid to the appraiser for their services rendered First Savings Mortgage (or Michael) have no influence on the comps used by the appraiser as well as the fair market value set by the appraiser If *** *** has a concern regarding the appraisal, she will need to contact the appraiser directly
Please contact me for any additional informationKaren Y***

Review: my wife and I purchased a home and signed with first savings mortgage in july 2012, in august of 2012 we were informed [redacted] now held our loan and would be servicing it from this point on. on january 22 of 2013 we received a letter from [redacted] stating our loan was in default and that we would be forced to pay the entire amount in 30 days or lose our home. I contacted [redacted] they had no idea what had happened or that there was any issue with our loan. I then contacted first savings and [redacted] was extremely unhelpful and hostile when I questioned there authority to recall a not that they no longer held. she had no idea that first savings sold the loan to [redacted] even though it was over 6 months prior to receiving this letter. [redacted] had been working extremely hard to resolve this issue and finally got a response from first savings stating "they never sent any letter to us" after I sent a copy of the letter to [redacted] and they contacted first savings again we finally received a letter from first savings telling us to disregard there original letter of default on our loan. one major issue with this is that the letter was sent February 27 when there original letter stated that by February 23 they would forclose on us. we have never missed a payment or had any issue with payments. we were told our loan was put into default 7 months after it was closed because of a misunderstanding of information in the deed of trust. that it was a quality check. I checked on realty laws and it states a loan can only be recalled due to the deed of trust up to 30 days from closing. not only was this extremely stressful but also upsetting that a company demands you to pay them money when they dont even hold a loan.Desired Settlement: they told us they are recalling it 7 months from closing due to a "quality check" how did they not realize they did not hold our loan. I believe it to be negligent and could have been very detrimental if somehow we had the money to pay them then realized opps they dont hold the loan and we are still paying [redacted].

our desired outcome would be that the person/ persons responsible for this action be held responsible and disciplined.