Harlequin Capital Corp

Danielle at Harlequin Capital is top notch I was referred to Danielle from another mortgage person who started my loan and could not get it done Well let me say Danielle delivered Not only did she close my loan in days she got me a rate that was ¼ point better than I had expected She is a true professional wonderful experience would recommend Harlequin Capital and Danielle to all that will listen thumbs up

Danielle at Harlequin Capital is top notch. I was referred to Danielle from another mortgage person who started my loan and could not get it done. Well let me say Danielle delivered. Not only did she close my loan in 6 days she got me a rate that was ¼ point better than I had expected. She is a true professional wonderful experience would recommend Harlequin Capital and Danielle to all that will listen. 2 thumbs up.

Review: I used this company to refinance my mortgage in May of 2013. I was explicitly told by [redacted] of Harlequin Capital that there were no closing costs associated with this refinance. He asked me for a certified bank check in the amount of $4,100 dollars on the day of the closing. He expressed this money would be returned to me immediately from my former banks Escrow account. The money has never been refunded. I have been pursuing this issue with [redacted] for the past seven months on my own, with no signs of progress. He has repeatedly avoided me both in person and on the telephone. He has given me multiple "stories" and excuses regarding the situation but never a plausible scenario for how this error occurred, or how it can be rectified. He has been rude, condescending, dishonest and is an unscrupulous businessman.Desired Settlement: I desire to be reimbursed in the amount of $4100 dollars, that was misappropriated through the error of [redacted].

Business

Response:

As for the complaint [redacted] was referred to us by her [redacted] for a refinance

that needed to be done to remove her ex Husband from the current loan and

deed of the house per the court ordered divorce agreement. After reviewing

[redacted]’s situation we came to the conclusion that the home was

underwater and the only loan she could qualify for would be a stream line

refinance with FHA. Since her Loan was currently with FHA this type of loan

would allow her to refinance the home with no appraisal in turn removing the

issue of the house being underwater. The Streamline loan due to not

requiring an appraisal has strict guidelines as far as cash out and rolling

closing costs into the loan, in short it is not allowed. I was able to get

the lender to cover a great majority of her closing costs so she would not

have to come out of pocket for those expenses. The only fees I could not

get paid by the Lender as HUD would not allow it was the shortage of her pay

off to the current and she had to pay to fund her escrow account for her

taxes and insurance these totaled the $4100. This $4100 was paid to the

title company in connection with the loan and were used for the sole purpose

of such. Again to repeat the $4100 was used to fund her escrow account and

pay the shortage in her pay-off. After the Loan closed the Prior Lender

would have 30 Days to refund whatever remaining monies were left in that

account to her but that would be done post-closing and is out of the control

of Harlequin Capital Corp. As far as our loan is concerned we were able to

close Ms.Masone’s loan in a timely manner with an interest rate that was1/4

less than quoted with our Lender paying the bulk of her closing costs.

After the Closing [redacted] reached out to us to further explain the HUD

and the conditions of her closing she stopped at our office a few times but

was out on appointments and I advised her that she must make an appointment

to see us as we are in a sales job and are in and out of the office. We

reached out to her [redacted] the source of the referral to set up an appointment

with him myself [redacted] and her Father to answer any and all questions

they may have. This meeting took place late December I explained the whole

loan process from start to finish to her and her Father who understood it

all and re explained it to his daughter in front of my self and the CPA. We

also advised [redacted] that our firm made approximate $1500 on the

transaction and Harlequin Capital prides itself on customer service we

agreed to refund her ½ the fee which we subsequently did. We all left the

meeting with a hand shake and the assumption that all was understood and

explained to them satisfactory. As I stated before Harlequin Capital takes

Customer Service very seriously as well as our status with the Revdex.com. We

would like to apologies again for the misunderstanding with the complaint e

mail and have instructed all employees to check with the Revdex.com when an e mail

is received to be sure it is legitimate complaint that needs to be

addressed. I thank you for the opportunity to answer this complaint.

Harlequin Capital Corp