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J. Plyer Roofing & Exterior

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J. Plyer Roofing & Exterior Reviews (3)

much of this response is inaccuateI always stated I was in the process of a divorce, as that was the main readon for refinancingIn addition I provided every documentbrewuested from the companyI was informed that the mortgage was approved and signed documents and provided requested funds on 12/9. The company was not forthcomingThey told me the loan was approvedNow they need to satisfy my existing mortgage with Wells FargoOtherwise I consider their actions fraugulentTime is of the essence! Close escrow on this loan.

Borrower was finalizing her divorce when she started the loan process. On Oct 13th
she faxed us divorce documents confirming the divorce was completed but
it did not include the full divorce decree. The initial application
had been taken with the borrower listed as married
Once we cleared the loan to close, the borrower needed
the ex-spouse removed from title, which is when we realized no divorce decree
had been provided or reviewedWe receive the divorce decree on 12/9, we immediately submitted it to the investor for review and advise our funding dept to hold off completing the file until we received the all clear from the investor. The divorce decree stated that the subject property was communal assets that were to be sold immediately after the divorce was finalized with the equity split between the spouses. The UW replied on 12/that this was unacceptable, giving us the option to either have the divorce decree modified or provide proof the ex-spouse was liquidated with verified assets from the borrower. The borrower choose to modify the divorce decree and provided that to us on 12/15. The modification stated the equity would not be due for years and the ex-spouse could place a silent 2nd on the property if he choose to secure his interestOn 12/UW advise she would need the equity payout to the ex-spouse to be due within years instead of for the divorce decree modification to clear the condition. The rep advised he would talk to the UW and get the year on the modification agreement to work. On Monday 12/the rep came back saying that we need the equity to be due in years and there was no way around it. The UW provided a written re-condition on this on 12/stating that in additional to the modification of the equity being due on in years, she wanted a mortgage note draw up for the equity due and that the equity due would count as a 2nd mortgage on the propertyGeneva Financial was not the cause of the delays

The prospective borrower refuses to speak to us via phoneWe have a conditional approval, but must be able to speak to the customer to see if we are able to clear the outstanding conditionsGeneva Financial, LLC has not done anything wrong in the process of this home loan transactionWe are unable to rectify the issue without cooperation from the customerGeneva Financial, LLC should be cleared of all wrong doing on this complaintIt is impossible to rectify without assistance from the customerAt this time, we will be forced to withdraw the loan application

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Address: Cudahy, Wisconsin, United States, 53110

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