Global Equity Finance

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I invested 4months into refinancing my mortgage with Global Equity Finance. It was a total waste of time. I had to pay upfront 1,000 for an appraisal and $375.for an "Engineer's Report", and they wanted another $2,000 upfront to put some anchor straps on the already permanent foundation of my manufactured home. My loan was stalled because I get my mail in a post office. I felt discrimination because I live in a small mountain town and the local post office will not deliver mail to a residence address. This company extorted money from me during the loan process that caused a financial
crisis, causing me to be unable to pay my existing mortgage payment on time.
My payment was late, affecting my credit negatively. I was told every week that my loan was ready to close and then they would come up with more restrictions and unnecessary services for me to pay for- right then, not when the loan closed. The estimated closing costs went from $3,000 to $17,000. After they ruined my credit, my loan was rejected.

Both the Compliance Manager and the Loan Consultant have been trying to reach you Please return their voicemail calls.If there are outstanding issues- we are unable to resolve them without a returned call We need to know which debts you say have not been paid so that we can track the checks with the title Company and confirm their payment.Without further clarification- it is impossible for us to help Customer care is extremely important to us

According to your initial signed pre-disclosures you were opting for a FHA loan I'm confused as to why you signed these disclosures and agreed they were correct if you were not interested in a FHA loan? The reason why we send out all these disclosures and require them to be signed and returned is to confirm that we have the correct agreed upon terms

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below We were never interested in an FHA loanAs a business you should be looking out for the best interest of your clientThis is not in my best interestThis interest is in lining your own pockets.The reason FHA is not a good option for me is because it raises my payment several hundred dollarsand it will include very high PMI of Which I don't currently have any!!Your sly salesmen of a loan officer talked me into starting the process of the loan with an FHA because I didn't have any money to come to closing with based on what the appraisal came in at.The appraisal came in better than expected! It was his idea (check the voice recordings) to start with the FHA and then if the appraisal came in low, then instead of me coming to the table with money (which I had none),to close with an FHA and then in months - year when the values of the houses have risen a little more we could refinance with your company again with no cost to me I would have never been able to accomplish any of these options because he (my loan officer) made a clear mistake and qualified me for a loan that were never available as an option to me based on my credit! Listen to the recorded phone callsI was adamant that I wasn't interested in an FHA loan! He twisted the system and used it against usHe DEFRAUDED us!! He led us to believe that the conventional loan was an option for us The process of this loan application should have never gone any further than a consultation, because you do not have a product that is available in my best interestThe loan officer just wanted his paycheck and he would accomplish it any way he could In Division of the California Financial Code and starts with Section The general purpose of the law is to protect borrowers against unfair practices by lendersThe laws also seek to motivate lenders to develop processes and practices in the consumers' best interest and promote a solid business environment in the stateWhich you did not clearly adhere to I trusted the experience and professionalism of the loan officerI am not the professionalHe should have known the standard guidelines of a conventional loan, of which I did not qualify for! He made the mistake! He tried to flip, twist, be-creative, whatever you want to call it, just to close the loan and get paid! The current loan we have is a way better option than an FHA loan! I am asking for the cost of the appraisal which is GUARANTEED in the No-Risk Appraisal Guarantee that you sent us No-Risk Appraisal Guarantee “If your loan does not close for any reason other than 1) You’ve canceled your loan with Global Equity Finance, Incor 2) The appraised value comes in lower than that estimated, we will reimburse you for your appraisal payment – guaranteed!” Disclaimer: Reimbursement of appraisal payment will not be honored if we later find that there is insufficient equity in the property to satisfy approvable loan requirements or if information obtained at time of application is inaccurate or cannot be verifiedExcluding Free Refinance Guarantee, one guarantee reimbursement may be offered per customer/loan transaction Regards, [redacted]

Both the Compliance Manager and the Loan Consultant have been trying to reach you Please return their voicemail callsIf there are outstanding issues- we are unable to resolve them without a returned call We need to know which debts you say have not been paid so that we can track the checks with the title Company and confirm their paymentWithout further clarification- it is impossible for us to help Customer care is extremely important to us

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Mr***Response to your Point #1) You are in errorYes, you did force this notary on us! No recommendation was ever made to my wife and me, as to the services of a notary [redacted] informed me a mobile notary had been assigned to meI informed him I wanted to use my Credit Unions notary serviceI submitted the name and notary registration number (AssMgrV.C.C.U.) to GEFGEF rejected himI submitted a second notary name, (the manager of Ventura County Credit Union) which you also rejectedMr [redacted] stated GEF would pay for the notary servicesNo doubt tacked on somewhere to the mountain of fees you already chargedAnd as in your reply, I did complain about the notary from the start[ because you complained about the notary...] Let me go on record stating this notary was never recommended by GEF to my wife and I Response to your point #2) Again you are in errorYes I did object to using your title company! I did not accept [redacted] as my escrow companyWhen Mr [redacted] brought up the subject of Title Company, I informed him I planned to use the services of [redacted] ***, located just up the road from where I liveI had already obtained a quote for their services, which turned out to be a lot less than your choice of [redacted] ***Mr [redacted] informed me [redacted] had already started escrow and would have to be paidI informed him they should be paid, but not by meThis was the first time [redacted] was ever mentioned to us Shortly after, I received a telephone call from your associate: [redacted] Mr [redacted] was very aggressive and intimidatingHe informed me I could not use [redacted] ***, as they were unprofessional and very expensive, which is why GEF fired themHe went on screaming at me, if I went the [redacted] way, I would pay for the title work already started by [redacted] ***I could not afford to pay for two escrowsAgain I will go on record stating [redacted] was never recommended to my wife and IThey were imposed on usYou refer to [redacted] as “an amazing company”To you, perhapsHowever, I could not get our escrow agent, [redacted] , to take a call, return a call, or answer email“Pretty amazing” all right, amazing they are still in business “we do this as a service to our clients free of charge” I beg to differ, GEF do nothing for free, this was part of the $2,fee you charge Response to your point #3) Again, you highlight the ineptitude of GEFI asked Mr [redacted] to remove the Homeowners insurance on numerous occasions, as I had obtained cover from [redacted] for the coming yearMr [redacted] almost cried into the phone stating he had asked for it to be removed three times and just cannot understand why it still thereResult: I had to pay Homeowners Insurance twice Mr***, you and your cohorts promised my wife and I professional service, you did not deliverGEF took full advantage of us being immigrants and having no US banking experiencePlease return our money to us so we can get on with our lives Regards, [redacted]

[redacted] ( [redacted] ) My husband and I would like to highly recommend [redacted] of Global Equity Finance for any of your loan needs Throughout the loan process [redacted] always replied very quickly to our questions He made this process very simple and easy for us He is confident and knows what he is doing We would recommend him for any of your loan needs because of the outstanding customer service he gave to us

I just want to say that dealing with global equity has been an extremely postive experience!! I dealt with dave freeman, who was very helpful to my wife and I, to make the the loan experience easy and not overwhelming like you have at local banksdave's personal phone number is [redacted] we highly recommend calling him for your mortgage needsyou will not be sorry!!

RE: [redacted] 858-500- [redacted] I would like to write a brief review about [redacted] 858-500-***I live in Fort Lauderdale, Fl and for several years had the intention of refinancing my CondoThe Banks and Financial Institutions that I called put some blocks on the way and I declined myself the opportunity to go ahead On August 18, 2015, while vacationing in Boston with my wife an add showed up on my iPhoneI called and I expressed my intention to refinance and get some extra money to pay-off the mortgage of my ex-wife, all at a lower percentage rate Within half an hour, [redacted] was on the phone inquiring about my plans and how he could assist meAll along the process it has been a very satisfying experienceHe moved me through a complex process in such a relatively easy wayI would call him, leave a message and within less than minutes he was usually back with meOr I would text him and the response was almost immediateHe guided me through all the process, and without taking much of my time or of his time; always straightforwardWhen/if he did not have the answer, he would get it and contact me right backLike a friend that you have known for years but always very professional He deserves and I am not only willing but obligated to express him my deep respect and my appreciation for all his dedicated and complex jobI got the refinancing the way I always wanted and thanks to CharlieOutstanding!

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below SirYour response typifies the unprofessional performance of Global Equity FinanceYou did not address any of issues: · You selected the Notary for the closing documentsBy law this is our choiceYou broke the law by imposing this person on us · You selected a Title company without any consultation with us; again, this selection is my right by lawAgain, you broke the law· A copy of the documents signed the evening closing, were promised to us by [redacted] These still have not arrived days after being promisedThis is the complaint I brought to the Revdex.comYou did not even have the professionalism to review the complaintRe: “ [redacted] ”I informed [redacted] I had obtained content insurance from Liberty Mutual for the coming yearThe HOA cover the contents the policy was furnished to GEFYou still went ahead and paid “ [redacted] ” so I’m out of pocket there alsoRefund me my money! Regards, [redacted]

My refinance was a very pleasant experience [redacted] was my agent and was super helpful He answered every question I asked, usually by email, and always responded promptly His team, GEQ Private Client Group, were very helpful in this processI really felt the information [redacted] gave me was truthful and he was so knowledgeable When he asked me what my property was worth and I didn't know, he took the steps needed to do a little research to give me an idea if this was something that would work for me Nobody had done that for me All of the other refinance companies put it back on me, telling me I needed to get that information, like I would know what to do [redacted] did a little research and had this information in less than minutes Because of that one piece of information, I chose to move forward with *** The process went fast and smooth I would definitely recommend Global Equity Finance for a refinance

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowPlease look at Page of the re-appraisal that was submitted to Global Equity Financial, IncThat should have been sufficientThe apprasier submitted pictures of the repairsThat part of the home was completely abolished, removedI know they are a giant financial Incorporation and I would never win againist them, but I do want the world to know that they are not all goodThey, and particularly [redacted] led me on constantly that we were going to be closing any dayHe couldn't believe that I was doing everything he asked me to do in order to comply to receive the loanAfter a while it began to feel like he was having me do things that were heading towards me selling my home instead of refinancingFor instance making repairs that the Home Inspector noted outside of verifying that the fire damage was correctedTHAT IS WHEN I STOPPED WORKING WITH GLOBAL EQUITY FINANCIAL, INCI had already incurred $10,in repairs that were to be paid contigent on when we closed based on what I was told by ***Now I'm working with another company hoping that all goes well so that I can pay the contractor who so kindly, is waiting to be paidI This is a debt that I incurred because of [redacted] I have the emails to prove what I am saying, I'm not just talking out of the side of my mouthI kept every single email and I have them printed out and we did most of our communications via email and very little via telephoneTherefore I have proof of what I'm statingI DID NOT NEED TO PAY FOR A HOME INSPECTIONPlease review the attached apprasial and especially look at page after you review the whole thingI don't really care if I get the $or notIt would be nice because when you are poor, $can go a long ways, but if I can expose this company and [redacted] and perhaps save at least (one) person from going through this, then it is worth it! Regards, [redacted] ***

[redacted] Senior Mortgage Consultant, (***)***- [redacted] was AWESOME!! He made this whole process so easyHe was very knowledgeable and was straight to the pointThere was never any surprises! He kept us well informed and up to date on everything!! We will definitely use him again

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , 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, [redacted] The facts stated above by Global Equity Finance are not true, we did not quote 190,as the value of our home, we told our loan counselor that we did not know the value of our home We do not remember being presented with a re-work of our loan, to my knowledge, our loan counselor did not get back in touch with us, would just not answer when we called Global Equity Finance is not a company I would recommend to anyone, very poor customer service and thus not reputable

Folks, We're happy to solve this but it can only be solved with [redacted] ***'s help If [redacted] can continue correspondence with [redacted] - the Compliance Director- everything can be resolved We reached out to [redacted] ***, the last debt, and they confirmed the address was incorrect This address was confirmed by the borrower (per LO) to be correct [redacted] has agreed to take the payment waiving all late charges A Stop Payment was issued on the original check & a check to be shipped to the correct address today/tomorrow Chicago Title also got the VP to approve late fee reimbursements for her other debts, with statements confirming all the late charges, and will offer to rectify any credit issues with the debtors This would take care of the late fees & credit issuesMonica & [redacted] called [redacted] again just now Her husband picked up & said she is unavailable until tomorrow or the day after We did call from Chicago Title's line, she will call in an hour (husband is currently driving) to leave a message from her line with an update Again, this requires communication from [redacted] to [redacted] to resolve

I am very grateful to Global & [redacted] for helping me to refinance my homeMr [redacted] was wonderful! He always returned my phone calls in a timely manner & answered my questions with patienceHe is very knowledgeable & thorough [redacted] is very polite & I knew I was in good hands with himAll in all, a very pleasant experienceThank you!

Mr [redacted] ***,Thank you for reaching out It is impossible to pull a credit report without you providing us your SSI Perhaps there was a miscommunication there In the meantime, we will remove the inquiry with the bureaus and apologize for the inconvenience.Best regards,

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] I started my refinance application with Global Equity on April They knew my Tax Return was filed on 4/11/because I pointed this out to my Originator ***, He should have told me to wait to do the loan and appraisal as they should know it takes 6-weeks for the IRS to accept and enter tax returns at this time of year It's their business to know these simple factsI was told My application would fly through the process and take 30-days which is about when the rate lock expiredI haven't been contacted by them for weeks and have gone with another mortgage Coas it's now been almost ten weeks since starting with Global EquitySo, out of the blue on 7/17/ [redacted] the originator calls me and tells me they received the tax transcripts and can close the loan at a higher rateI just paid for another appraisal yesterday for my new application with another co I gave up on them, so I won't accept their offer on the loan If Global Equity had just been courteous and communicated with me during the process I wouldn't have had a problem, but I had to keep reaching out and calling and emailing them for updates with no responseI feel they misrepresented the loan during the entire process and handled this transaction in a very unprofessional mannerI would still like a credit for $for my wasted appraisal on this loanGlobal Equity needs to communicate with their customers in the future to avoid complications in situations like this Regards, [redacted] ***

I have used Global Equity Finance on separate occasionsOn both occasions [redacted] was my mortgage loan consultant [redacted] has been extremely helpful and easy to work with on both occasionsHe was very quick to get back to me and answer any questions I might have had during the process of refinancing my homeThe whole process was very easy and [redacted] walked me through step by stepI will definitely use [redacted] again for any future home financing needs because I trust that he is going to be upfront and honest with me